Which Roboadvisor approach should i use?

Prob depends on how old you are and what your end goal is if you young and stuff than can afford higher risk and can afford to be more invested in stocks but if you old like near retirement than dont take so high risk cause you prob need the money in the near future. also if you sing borrowed money or money you wanna use for holiday or downpayement or house or wedding than dont invest it or just choose lower risk