I have about 11 betterment accounts to invest for various goals, but the returns for the past 4 years are kind of flat.
Should I just open 11 Schwab accounts and keep it simple with 70% SWPPX and 30% in swvxx for "safer" returns and invest SWVXX dividends back in to SWPPX ?
It's only about 35k with the majority of my retirement money with a professional wealth management firm.
It's not quite play money in Betterment, but accounts for vacations, vehicles, an expensive hobby, real estate purchasing, etc.
I like the set it and forget it of betterment, but even with moderately aggressive portfolios they have been lackluster compared to the s&P