As with most things, it's always a worthwhile endeavour to know what you are getting into. This is especially so when different robo-advisors have different approaches and strategies - their investment decisions and portfolio rebalancing proposals are based on their own algorithms which monitor and satisfy different pre-defined investment strategies. Understand their approach - this is especially important when it goes in the red. As a general rule of thumb, it's good to also study individual stocks, and understand the various methodologies used to evaluate them. For all you know, you might want to be directly investing into your own selected stocks in the future.