Robo-advisors, like Daffy, provide a range of services that are designed to benefit your portfolio returns by more than the cost of the robo-advisor. These services include researching the best ETFs to buy, automatically rebalancing your portfolio on an ongoing basis, reinvesting dividends in an intelligent way, and providing advanced services such as tax loss harvesting. Daffy, as a robo-advisor, earns its money by providing these valuable services. It researches the best ETFs for you to own, considering factors such as cost and trading volume that most investors don't look at. Daffy also automatically rebalances your portfolio on an ongoing basis, ensuring that your investments are always optimized. Moreover, Daffy intelligently reinvests dividends, a task that can be tricky for most investors. Some robo-advisors also provide advanced services like tax loss harvesting, and Daffy is no exception. It uses different ETFs in the same category to help you save money on taxes along the way. All these services are meant to benefit your portfolio returns by more than the cost of a robo-advisor, which is generally around 0.25% of your portfolio every year. So, if you're considering whether to spend 0.25 percent of your portfolio every year to ensure that you're making the right investment decisions, the answer for most people is probably yes. Daffy is not just a robo-advisor, but also a Donor-Advised Fund (DAF) that allows you to easily donate to almost every US public charity, track tax-deductible contributions, and access donation receipts all in one place. With Daffy, you can simplify your giving while also making smart investment decisions. Remember, the information contained in this blog post is for educational purposes only and should not be considered tax advice. To assess your specific tax situation, please consult with a tax professional. Get your Daffy account today and start making smart investment and giving decisions. Daffy waives all membership fees for members with less than $100 in their fund, so get started today for free!