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No professional advice from me either just my personal stance: I have not seen any reason for me to get a roboadvisor compared with just an ETF following an index. Maybe taxes are mich easier in Germany than in the US...

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I don't know the specifics of Germany. You might be right.

In any case, in the article I say it but it might be worth restating: ETFs are great! If you want to buy them yourself, do that! Just make sure they're cheap, as diversified as can be, and that you don't trade them too much.

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