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Use investment diversification of non-correlated assets to minimize unsystematic risk. This is the only "free ride" available to portfolio managers.

The idea behind Betterment is that you can set up the asset allocation for your goals, whether they are short-term, like saving up for a down payment, or long-term, like saving for retirement.

Tactical asset allocation, value investing, socialism, commodities, SPIC, dividend paying stocks, inflation, bond prices and yield, and much more.