Can you please post a link to an article explaining how robo advisors over a 5-10 year period outperform (after fees) a low cost index fund? This investor needs to keep learning how to invest and not fall into the trap of getting ‘professionals’ to make all the decisions on her portfolio. If she is interested in learning about investing she will be well on her way to reaching financial independence down the road. The ONLY way to learn how to invest is to have some skin in the game. Errors will be made (this is called tuition). The payback, if you are any good at investing, is financial independence in your 40’s or 50’s. I would start with The Intelligent Investor and read chapters 8 and 20 (Buffett’s top recommendation) and One Up On Wall Street (by Peter Lynch). If you do not find these two books interesting then let someone else manage your money.