Handy calculator. Comparing to VTSAX (.04% expense ratio), they show a 1% difference. Not nothing, but hard to justify switching when you consider the downside risk of this company going out of business or selling in the next 30 years.

I think this is going to be a hard product to sell when your target market is exactly the sort of people who are well-informed enough to just buy vanguard mutual funds for a nearly identical result.

Not to sound like a total hater but I'm always so surprised that VCs are willing to invest in these companies that just seem obviously flawed based on common sense. Similar to that web browser startup Mighty.