A while back, I created a portfolio on Betterment.  Betterment is one of the many robo-advisors available today. I saw the ads and at the time and I figured it was a good way to get into investing.  In general, robo-advisors vastly simplify the process and basically does all of the work for you. I didn't have to worry about muddying the waters of things like ETFs, S&P 500 index funds, and mutual funds. Instead,…