Robo-advisers build portfolios at lower cost —here's Morningstar's top 5

Many of you’re acquainted with robo-advisers, which use laptop algorithms to offer low-cost asset allocation and construct investor portfolios. Some of you’re seemingly utilizing them. In a report about robo-advisers, Morningstar says they “can be a good fit for early- to midcareer investors who want to further their investment strategy but don’t have the means,…