This is what happens when some companies project investing as a quick and slick process. Answer these 5 questions and here you go: this is your risk tolerance and you are saving away in taxes and doing rebalancing. The truth is that investing is just another application to data science and machine learning and a lot of hard work. Little things matter and even simple rebalancing is not as simple given that periodic rebalancing can have huge market timing effects. We recently did a webinar on how to approach investing as a data science problem instead of a 'finance' problem: https://www.qplum.co/webinars/past/07072016/skill-vs-luck