Jon Stein here, CEO and founder of Betterment. I hear these requests all the time. I agree there should be a way to invest for the future - a tool that helps you figure out your number, invests it for you, automates the process to avoid irrational decisions, and allows you to manage all of your investments in one place. We're doing much of this at Betterment, and hope to do it all one day! I agree with the majority of these comments. A savings account is suitable for an emergency account, but it's not sufficient for the purpose of saving for retirement. This is where investing comes in - not risky stock picking or active management, but a low risk, diversified portfolio that helps you reach your goals. It's true we are living in rare times, but investing in the stock market is still the best way to grow your savings - especially for the long term.