But investors tempted to try one of these services should be aware that the recommended portfolios can vary widely for a single person, as the Journal found when we looked at robo advisers’ picks for three hypothetical investors. (The services also vary in other ways, including their fees, account minimums and the availability of phone assistance from human advisers.) As seen in this chart, five selected robos suggested very different mixes of U.S. stocks, international stocks, U.S. bonds, international bonds and other investments for a moderate-risk investor:

http://blogs.wsj.com/totalreturn/2015/04/24/five-robo-advisers-five-very-different-portfolios/