A robo may at least implement a simple strategy on stock regions (diversify from us/tech topic…), gold, crypto, real estate, may as well have dividend/value-oriented ETF or exposure to small/big caps at your convenience.
No options strategy or managed futures ETF there afaik.
Does a VT-only investor who reassesses their asset allocation and starts buying XYZ to shift from /whatever risk detected/ really anticipate where it’s going and what it implies in terms of portfolio management ?
Or will their “passive” strategy be “ok so btc is now 1M, I “decide” that my new asset allocation is 99% crypto” ? (long gone the 1% “fun money” invested 10 years ago)