Compose an essay (about two thousand words, that is NOT counting charts, graphs, tables etc.) explaining your answer.

Robo-advisors: In the last couple of years thing called "robo-advisors" have sprung up in Canada. Some are independent, others are sponsored by the big banks. Choose any two robo-advisor platforms (WealthSimple and WealthBar are two popular ones, but you can find others easily). a. Explain how each platform works, taking care to show what the differences are; b. how have they performed compared to simply buying a good index ETF; c. which one would you choose for your own money and why?