{"id":15681,"date":"2025-05-24T22:06:15","date_gmt":"2025-05-24T22:06:15","guid":{"rendered":"https:\/\/finderica.com\/?p=15681"},"modified":"2025-05-24T22:06:15","modified_gmt":"2025-05-24T22:06:15","slug":"the-11-best-robo-advisors-of-2025","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=15681","title":{"rendered":"The 11 Best Robo-Advisors of 2025"},"content":{"rendered":"\n<div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"lazyload clicker_number\" style=\"position: absolute; height: 1px; width: 100%\" alt=\"ScoreCard Research\" data-count=\"74.125.218.72,74.125.218.72, 172.70.178.43\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\"><\/p>\n<p>Robo-advisors are growing increasingly popular, especially with Millennial and Gen Z investors, as an alternative to traditional portfolio management. But not all robo-advisors are created equal.<\/p>\n<p>Robo-advisor \u2014 an automated investment platform that uses computer algorithms to invest your money for you \u2014 is certainly a hot buzzword in today\u2019s economic landscape (perhaps second to only cryptocurrency). Don\u2019t be lured in by the charm of the first robo-advisor you find.<\/p>\n<p>If you\u2019re ready to jump on the bandwagon, first review our list of the best robo-advisors of 2025 to choose a quality option that meets your needs.<\/p>\n<h2>11 Best Robo-Advisors of 2025<\/h2>\n<ul>\n<li aria-level=\"1\"><b>Magnifi: <\/b>Best Overall<\/li>\n<li aria-level=\"1\"><b>Public: <\/b>Best for All-in-One Investing<\/li>\n<li aria-level=\"1\"><b>Robinhood: <\/b>Best for Active Trading<\/li>\n<li aria-level=\"1\"><b>Acorns: <\/b>Best for Micro-Investing<\/li>\n<li aria-level=\"1\"><b>Wealthfront: <\/b>Best for Personalized Investing<\/li>\n<li aria-level=\"1\"><b>Betterment: <\/b>Best for Mobile Investing<\/li>\n<li aria-level=\"1\"><b>SoFi Automated Investing: <\/b>Best for Fee-Free Investing<\/li>\n<li aria-level=\"1\"><b>Vanguard Digital Advisor: <\/b>Best for Retirement Planning<\/li>\n<li aria-level=\"1\"><b>Ally Invest: <\/b>Best for Beginners<\/li>\n<li aria-level=\"1\"><b>Charles Schwab Intelligent Portfolios: <\/b>Best for Low Fees with High Funds<\/li>\n<li><b><\/b><b>M1 Finance: <\/b>Best for Experienced Investors<\/li>\n<\/ul>\n<div id=\"review-list-table\">\n<p class=\"review-list-table-title default\">11 Best Robo-Advisors of 2025                    <\/p>\n<div class=\"table-responsive\">\n<table class=\"table\">\n<thead>\n<tr>\n<th style=\"text-align: left;\">Advisor<\/th>\n<th style=\"text-align: left;\">Account Minimum<\/th>\n<th style=\"text-align: left;\">Best for<\/th>\n<th style=\"text-align: left;\">Ease of Use<\/th>\n<th style=\"text-align: left;\"><\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Magnifi<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$0<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Overall<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/t.thepennyhoarder.com\/aff_c?offer_id=7209&amp;aff_id=2\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Public<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$0<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">All-in-one<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"http:\/\/t.thepennyhoarder.com\/aff_c?offer_id=6168&amp;aff_id=2\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Robinhood<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$0<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Active trading<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Moderate<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/t.thepennyhoarder.com\/aff_c?offer_id=6313&amp;aff_id=2\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Acorns<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$0<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Micro-investing<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"http:\/\/t.thepennyhoarder.com\/aff_c?offer_id=2412&amp;aff_id=2\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Wealthfront<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$500<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Personalized investing<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/www.wealthfront.com\/\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Betterment<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$10<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Mobile investing<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"http:\/\/t.thepennyhoarder.com\/aff_c?offer_id=6557&amp;aff_id=2\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">SoFi Automated Investing<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$0<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Fee-free investing<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/www.sofi.com\/invest\/\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Vanguard Digital Advisor<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$3,000<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Retirement planning<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Moderate<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/investor.vanguard.com\/advice\/digital-advisor\/\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Ally Invest<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$100<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Beginners<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Very easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/www.ally.com\/invest\/\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">Charles Schwab Intelligent Portfolios<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$5,000<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Large accounts, low fees<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Easy<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"https:\/\/www.schwab.com\/intelligent-portfolios\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<tr>\n<td class=\"column_1\" style=\"text-align: left; font-weight: normal;\">M1 Finance<\/td>\n<td class=\"column_2\" style=\"text-align: left; font-weight: normal;\">$100<\/td>\n<td class=\"column_3\" style=\"text-align: left; font-weight: normal;\">Experienced investors ss<\/td>\n<td class=\"column_4\" style=\"text-align: left; font-weight: normal;\">Moderate<\/td>\n<td class=\"column_5\" style=\"text-align: left; font-weight: normal;\">\n\t\t\t\t\t\t\t<\/td>\n<td class=\"link_column\">\n\t\t\t\t\t\t<a class=\"rl_cta\" href=\"http:\/\/t.thepennyhoarder.com\/aff_c?offer_id=6599&amp;aff_id=2\" target=\"_blank\" rel=\"noopener\">SEE DETAILS<\/a>\t\t\t\t\t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>AI-powered investing<\/li>\n<li>Personalized plans<\/li>\n<li>Multiple payment options <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Magnifi offers more support than a brokerage but more control than a robo \u2014 without the cost of an advisor. It uses personalized investing, so you can invest on your own with a little, or a lot, of help.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Magnifi<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2023\/10\/20101546\/Magnifi_Rebrand_lockup1-1.png\" alt=\"\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum <\/p>\n<p>None<\/p>\n<p>Fees<\/p>\n<p>$11\/mo.<\/p>\n<p>Ease of use<\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More information about Magnifi <\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p>The app assists users with what it calls the ChatGPT of investing to give you judgment-free guidance. <\/p>\n<p>You also can connect external accounts to optimize your investments. It will go through all your investments to look for any gaps. Then, you can invest directly through the app.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Public<\/h3>\n<p>Best for all-in-one investing <\/p>\n<\/div>\n<\/div>\n<p>Public aims to help anyone become an investor \u2014 regardless of experience or income level. You can buy and sell \u201cslices\u201d of stock. So, if one share of stock costs $800, you can buy a $5 slice.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Public<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/10\/03114422\/public.svg\" alt=\"public.com logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$0<\/p>\n<p>Fees<\/p>\n<p>None<\/p>\n<p>Ease of use <\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More information about Public<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p>Public allows you to enjoy the benefits of investing with no commission, no fees on trades and no account minimums while also being part of a community of investors to help you gain insight. Investment choices include stocks, bonds, ETFs, crypto and even music royalties.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Robinhood<\/h3>\n<p>Best for active trading<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Commission-free trades<\/li>\n<li>Easy to use<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Most know Robinhood for being one of the first platforms to make investing accessible to the average American \u2014 something that is still a core part of its mission.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Robinhood<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/12\/02153456\/robinhood.svg\" alt=\"Robinhood Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>None<\/p>\n<p>Fees<\/p>\n<p>None<\/p>\n<p>Ease of use<\/p>\n<p>Moderate<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More information about Robinhood<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p>Robinhood is a free-trading app that\u2019s ideal for investors who want to trade stocks, options, exchange-traded funds and cryptocurrency without paying commissions or fees. The service is innovative, cutting out nearly all costs that are typically associated with investing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Acorns<\/h3>\n<p>Best for Micro-Investing<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Transparent pricing<\/li>\n<li>Fractional shares<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>What makes Acorns stand out is its Round-Ups feature. Just link your debit and credit cards to the account, and every time you spend money, it\u2019ll round up the purchase amount to the nearest dollar and invest that spare change. So if you buy a taco for $6.35, it\u2019ll round up to $7.00, and $0.65 will be invested.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Acorns<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/10\/03102742\/acorns.svg\" alt=\"Acorns Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$0<\/p>\n<p>Fees<\/p>\n<p>$3 a month for Personal, $5 for Family, $9 for premium<\/p>\n<p>Ease of use<\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About Acorns<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">Acorns\u2019 pricing structure is different from other automated advisors. That\u2019s good because 1) it\u2019s cheap and 2) it\u2019s consistent. Other services charge a fee as a percentage of assets under management, so the management fee can fluctuate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The downside is, most people who start with Acorns aren\u2019t investing a lot, so they\u2019re actually spending more ($36 a year) than they would if they invested with a robo-advisor platform that charges a 0.25% fee. In fact, an investor wouldn\u2019t owe $36\/year with a robo-advisor charging 0.25% until they hit nearly $15,000 in assets managed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acorns invests your funds into diversified ETFs and performs automatic portfolio rebalancing. As with other robo investment services, you only need to answer a few questions for it to make the tough decisions for you<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acorns also allows fractional shares, which is a cool feature that lets you own a fraction of stocks with a high price per share.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As part of its investment portfolio, Acorns includes traditional retirement accounts. In addition to investing, Acorns offers a checking account insured by the FDIC. (No savings account, however.)<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Wealthfront<\/h3>\n<p>Best for personalized investing<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Customization <\/li>\n<li>Low fees<\/li>\n<li>Tax-loss harvesting, auto rebalancing<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>A common criticism of robo-advisors is that investors get very little say in how they are investing, but Wealthfront allows you to curate your portfolio toward your interests, including social responsibility, clean energy, crypto, tech and foreign and emerging markets. If you get carried away, Wealthfront steps in to let you know if your decisions aren\u2019t in line with your risk tolerance.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Wealthfront<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/10\/03093413\/wealthfront.svg\" alt=\"Wealthfront Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$500<\/p>\n<p>Fees<\/p>\n<p>No account or trading, 0.25% annual advisory fee<\/p>\n<p>Ease of use<\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information about Wealthfront<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">You can use Wealthfront to invest for retirement (Traditional and Roth IRAs, SEP IRA, 401(k) rollover), education (529 college savings plan) and general investing (Individual Accounts, Joint Accounts, Trust Accounts).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have no clue where to start, Wealthfront has you covered. Just take a short assessment about things like goals and risk appetite, and Wealthfront will take care of the rest. (Don\u2019t worry: If you <\/span><i><span style=\"font-weight: 400;\">do<\/span><\/i><span style=\"font-weight: 400;\"> want more say, you can customize your portfolio as much as you\u2019d like.)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Wealthfront also offers a cash account to make investing easier \u2014 and it\u2019s currently paying out 5.00% APY, better than most banks. Plus, you can borrow up to 30% of your loan with a portfolio line of credit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The only downside is the $500 account minimum. However, compared to traditional human financial advisor services, this is a steal.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Betterment<\/h3>\n<p>Best for Mobile Investing<\/p>\n<\/div>\n<\/div>\n<p>Betterment allows you to specify your risk tolerance and your financial goals in order to invest for you, with typical features like rebalancing and tax efficiency. While Betterment has a standard 0.25% fee for assets under management, it jumps up 0.40% for Premium access to human advisors.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Betterment<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/12\/05113648\/betterment.svg\" alt=\"Betterment Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$10<\/p>\n<p>Fees<\/p>\n<p>No account or trading, 0.25% annual advisory fee (or $4)<\/p>\n<p>Ease of use<\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About Betterment<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">Betterment, the first robo-advisor to enter the market back in 2008, offers socially responsible investing, as well as checking and cash reserve accounts. Its mobile app is perhaps the best one on the market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can trust that you\u2019re in good hands with Betterment. They currently manage more than $40 billion (with a B) in assets for more than 800,000 customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that Betterment has acquired Makara, crypto trading is available (1% trading expenses).<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">SoFi Automated Investing<\/h3>\n<p>Best for Fee-Free Investing<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Easy to set goals<\/li>\n<li>Free access to human advisors<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>The fee-free setup for SoFi is the big selling point. That and its $1 minimum investment make it appealing to young investors (there\u2019s no account minimum, but you\u2019ll need a buck to get started). However, you get less from SoFi than from other top robo-advisors. For example, SoFi does not include a tax efficiency feature. <\/p>\n<div class=\"review-digest-table-main-top\">\n<p>SoFi Automated Investing<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/02\/02115441\/SoFi.svg\" alt=\"SoFi Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$0<\/p>\n<p>Fees<\/p>\n<p>No account fees, no annual advisory fee<\/p>\n<p>Ease of use<\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About SoFi Automated Investing<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">Another nice perk of SoFi is free access to certified financial planners. But investment options are generally more limited, i.e., there\u2019s no comprehensive financial plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SoFi itself is a great option for comprehensive personal finance needs, with a competitive APY on its combo checking and savings account<\/span><span style=\"font-weight: 400;\">, credit card, personal loan options and even crypto trading.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Vanguard Digital Advisor<\/h3>\n<p>Best for Retirement Planning<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Great retirement planning<\/li>\n<li>Proven track record<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Vanguard is one of the most highly regarded investment management companies. Case in point: Most robo-advisors on this list invest in Vanguard ETFs. Its decades of experience make Vanguard Digital Advisor the best bet for long-term retirement savings. With a higher account minimum, Vanguard Digital Advisor is not for beginners. <\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Vanguard Digital Advisor<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/10\/03102025\/vanguard.svg\" alt=\"Vanguard Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$3,000<\/p>\n<p>Fees<\/p>\n<p>No account or trading, no more than 0.20% annual advisory fee<\/p>\n<p>Ease of use<\/p>\n<p>Moderate<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About Vanguard Digital Advisor<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">The platform isn\u2019t as simple as some, but if you\u2019re interested in decades of data rather than a pretty app, Vanguard may be right for you. You can talk with investment professionals through its Vanguard Personal Advisor Services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Right now, Vanguard is offering 90 days of free investing before the 0.20% advisory fee kicks in.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Using Vanguard is a little more nuanced than other user-friendly options (like Acorns), but for more experienced, hands-on investors, Vanguard Digital Advisor is one of the best robo-advisors on the market.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Ally Invest<\/h3>\n<p>Best for Beginners<\/p>\n<\/div>\n<\/div>\n<p>Ally Invest is free\u2026 sort of. To get 0% advisory fees, you have to opt for the Cash-Enhanced Portfolio, which sets aside 30% of your money in an uninvested (but interest-earning) account. Otherwise the Market-Focused Portfolio has a 0.30% advisory fee. Beginners will appreciate Ally\u2019s mobile app, 24\/7 free live support and easy portfolio choices. Experienced investors probably want more choices.<\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Ally Invest<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/12\/05142135\/ally.svg\" alt=\"Ally Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$100<\/p>\n<p>Fees<\/p>\n<p>No account or trading fees (0.30% for Market-Focused) <\/p>\n<p>Ease of use<\/p>\n<p>Very easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About Ally Invest<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">Beginners will appreciate Ally because of its leading mobile app, the $100 minimum deposit, 24\/7 free live support and easy portfolio choices. The choices include Core (best for hands-off investors), Income (lower risk), Tax Optimized (tax-advantaged investments) and Socially Responsible (eco-friendly companies).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ally can be a one-stop shop for all your financial needs. Ally Bank is a highly recommended online bank with high-yield savings and interest-earning checking accounts. Ally also offers CDs, money market accounts and mortgage, auto and personal loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another highlight: It takes just 10 minutes to get set up.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">Charles Schwab Intelligent Portfolios<\/h3>\n<p>Best for Large Accounts<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Low expense ratios<\/li>\n<li>Broad customization<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Schwab Intelligent Portfolios caters to experienced investors and offers wider customization than other robo-advisors. You can choose from three investment strategies and six risk profiles. The barrier for entry is higher, and like Ally, Schwab may put some of your funds in an FDIC-insured deposit account depending on the risk profile you select. <\/p>\n<div class=\"review-digest-table-main-top\">\n<p>Charles Schwab Intelligent Portfolios<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/10\/03102554\/charles-schwab-iportfolios.svg\" alt=\"Charles Schwab iPortfolio Logo\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$5,000<\/p>\n<p>Fees<\/p>\n<p>No fees but you&#8217;ll pay an expense ratio<\/p>\n<p>Ease of use<\/p>\n<p>Easy<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About Charles Schwab Intelligent Portfolios<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">This account has no management fee. Instead, Schwab makes its money off the expense ratio for Schwab ETFs. Like other robo advisors, this one includes auto rebalancing and tax loss harvesting.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While Charles Schwab doesn\u2019t top our list of the best robo-advisors, it\u2019s certainly a top contender if you have more assets to manage.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-main\">\n<div class=\"review-digest-table\">\n<div class=\"review-digest-table-container\">\n<div class=\"review-digest-title-container\">\n<div class=\"review-digest-titles\">\n<h3 class=\"review-digest-table-title\" style=\"color:#56209F\">M1 Finance<\/h3>\n<p>Best for Experienced Investors<\/p>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-features\">\n<div class=\"review-digest-table-key-features\">\n<p>Key Features<\/p>\n<ul class=\"review-digest-table-key-features-list\">\n<li>Low expense ratios<\/li>\n<li>Great app<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Even experienced investors can benefit from automated investment services. M1 Finance is ideal for such customers because it\u2019s a hybrid, offering both automated and hands-on options. Its financial advisors put together curated Expert \u201cPies\u201d (pie charts that show how funds are diversified to meet different objectives), but you can also bake your own Pies. <\/p>\n<div class=\"review-digest-table-main-top\">\n<p>M1 Finance<\/p>\n<div class=\"review-digest-table-main-logo\"><img loading=\"lazy\" class=\"lazyload \" decoding=\"async\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2021\/10\/11144720\/m1-finance-logo-digest.png\" alt=\"\"><\/div>\n<\/div>\n<div class=\"review-digest-table-main-bottom\">\n<div class=\"review-digest-table-main-table\">\n<div class=\"review-digest-table-main-table-content\">\n<p>Account minimum<\/p>\n<p>$100 ($500 for retirement accounts)<\/p>\n<p>Fees<\/p>\n<p>No fees but you\u2019ll pay an expense ratio<\/p>\n<p>Ease of use<\/p>\n<p>Moderate<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"review-digest-table-additional-details\">\n<p>More Information About M1 Finance<\/p>\n<div class=\"review-digest-table-addl-details-description\">\n<p><span style=\"font-weight: 400;\">Auto rebalancing stays on top of your investments with built-in tax efficiency. You can set up taxable investment accounts, as well as retirement accounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M1 charges no management fee, though you will pay an expense ratio for trades. In addition, you can upgrade to M1 Plus (free for the first three months, $125\/year thereafter), which includes 7.25% margin loans through M1 Borrow, two trade windows, custodial accounts and smart transfers. It also increases cash back potential from the credit card (up to 10% cash back).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With M1 Finance investment accounts, you can set up individual and joint taxable accounts, as well as retirement accounts like Roth, traditional and SEP IRAs. It also offers trust accounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To get the most out of M1 Finance, don\u2019t just open an Invest account. Consider Borrow and Spend to unlock the full suite of features.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>Best Robo-Advisor Honorable Mentions<\/h2>\n<p>While these automated investment platforms didn\u2019t make our list of the eight best robo-advisors, they are also worth your consideration:<\/p>\n<ul>\n<li aria-level=\"1\"><b>SigFig: <\/b>Good for access to human financial advisors<\/li>\n<li aria-level=\"1\"><b>Ellevest: <\/b>Built by women and for women<\/li>\n<li aria-level=\"1\"><b>TD Ameritrade: <\/b>Good for traditional investors<\/li>\n<li aria-level=\"1\"><b>Interactive Advisors: <\/b>Good for socially responsible investments<\/li>\n<li aria-level=\"1\"><b>E*TRADE: <\/b>Good for mobile investing<\/li>\n<li aria-level=\"1\"><b><\/b><b>Stash: <\/b>Convenient and easy to use for beginners<\/li>\n<\/ul>\n<h2>What Is a Robo-Advisor?<\/h2>\n<p>A robo-advisor is an automated investment platform that relies on computer algorithms to determine the best way to invest your funds, based on your answers to a questionnaire regarding risk tolerance, financial goals, time horizon and more.<\/p>\n<p>Many human financial advisors use the same software when managing customer portfolios. Robo-advisor software has been around for decades, but Betterment was the first broker to give access to the investment tool directly to customers.<\/p>\n<div class=\"thepe-top-of-post\" id=\"thepe-1496166735\">\n<div class=\"adBorder\" id=\"thepe-1943850060\">\n<h3>5 Companies That Send People Money When They\u2019re Asked Nicely<\/h3>\n<p>When you log into your bank account, how do your savings look? Probably not as good as you\u2019d like.<\/p>\n<p>It always seems like an uphill battle to build (and keep) a decent amount in savings. But what if your car breaks down, or you have a sudden medical bill?<\/p>\n<p><a href=\"https:\/\/partners.thepennyhoarder.com\/nice-companies-prt\/?aff_id=384\" target=\"_blank\" rel=\"noopener\">Ask one of these companies to help\u2026<\/a><\/p>\n<\/div>\n<\/div>\n<h2>How Does a Robo-Advisor Work?<\/h2>\n<p>Robo-advisors use proprietary software that real-life financial advisors use as well; that means each company\u2019s software is slightly different. To determine the proper asset allocation for your investment portfolio, they use information you provide on how you want to invest.<\/p>\n<p>Robo-advisors then employ a variety of strategies to maximize returns, including tax-loss harvesting and automatic rebalancing. Like human advisors, they can invest in a range of securities, including individual stocks, mutual funds, exchange-traded funds (ETFs), bonds and maybe even real estate investment trusts (REITs).<\/p>\n<h2>How Much Do Robo-Advisors Cost?<\/h2>\n<p>Robo-advisor fees vary. Some charge a very low percentage of assets under management while others rely on expense ratios for their own funds. Overall, robo-advisors charge much less than traditional investment professionals.<\/p>\n<h2>Hallmark Features of the Best Robo-Advisors<\/h2>\n<p>What should you look for in a robo-advisor? Here are just some of the top features that the best robo-advisors offer:<\/p>\n<h3>Account Rebalancing<\/h3>\n<p>Automatic rebalancing of the investment portfolio is a key feature of top robo-advisors. Some do this in real time while others do it on a schedule, like once a quarter.<\/p>\n<h3>Low Fees<\/h3>\n<p>The best automated investment companies should give you access to their platform for a small management fee. Look for one with a management fee between 0.25% and 0.40%. Anything higher, and you might as well pay a human investment advisor.<\/p>\n<p>Some robo-advisors don\u2019t charge a management fee at all, but remember: Nothing is free. They likely have expense ratios to consider.<\/p>\n<p>Be wary of platforms charging flat fees. These are often targeted at beginners and boast easy-to-use apps and transparent pricing. While they may give you more bang for your buck if you\u2019re investing <i>a lot<\/i> of money, you may be overpaying when you first start out.<\/p>\n<h3>Low Account Minimum<\/h3>\n<p>The barrier for opening traditional investment accounts with a human financial advisor is challenging for beginners to overcome. Many require tens of thousands of dollars to get started. If you are a beginner, look for a robo-advisor with a low or no account minimum.<\/p>\n<h3>Diversified Investment Portfolio<\/h3>\n<p>Some robo-advisors only invest in their own ETFs. While not inherently bad, we recommend options with more investment options, including multiple ETFs, mutual funds and even real estate investment trusts (REITs).<\/p>\n<p>Most robo-advisors offer retirement investments, income investments and additional services. Find one that suits all of your investment goals.<\/p>\n<h3>Tax-Loss Harvesting<\/h3>\n<p>This essential strategy involves selling off poorly performing investments at a loss to offset capital gains on other investments. A lot of the automated investment advisors with free account management don\u2019t offer this, even some on this list. If free account management outweighs tax efficiency for you, that\u2019s something to consider.<\/p>\n<h3>Access to Human Advisors<\/h3>\n<p>Whether free or at a low cost, a good robo-advisor will get you access to a human for investment advice and financial planning. Free financial planning is an obvious plus.<\/p>\n<h2>An Easy-to-Use Platform With Educational Tools<\/h2>\n<p>Look for a robo-advisor with a great mobile app and desktop platform. You should be able to easily find educational resources about personal finance and investment strategy.<\/p>\n<h3>Other Banking Services<\/h3>\n<p>Some automated investment advisors offer additional services with their brokerage account, as part of a full-suite online bank. If you want a checking and savings account along with your investment account, find a robo-advisor that offers this.<\/p>\n<h2>Pros and Cons of Using a Robo-Advisor<\/h2>\n<p>There are several advantages to using a robo-advisor, but they are not for everyone. They also have some pitfalls that serious investors should consider.<\/p>\n<div class=\"ipc-container\">\n<div class=\"ipc-column\">\n<p>\n                                            <span class=\"ipc-checkmark\"><\/span><br \/><span class=\"ipc-name\" style=\"color: #56209F\">Pros<\/span>\n                                        <\/p>\n<ul class=\"ipc-list\">\n<li><b>You\u2019ll save money.<\/b> Robo-advisors are significantly cheaper than traditional human financial advisors.<\/li>\n<li><b> You have around-the-clock access.<\/b> While financial planning with a real person has perks, you are limited to their schedule. With a robo-advisor, you have 24\/7 access to review and change.<\/li>\n<li><b>The account minimums are much lower than traditional brokerage accounts.<\/b> Some robo-advisors have $0 account minimums.<\/li>\n<li><b>They\u2019re great for beginners.<\/b> Robo-advisors do all the work for you, so even if you have limited knowledge, you can feel good about your investments. Make use of their educational resources.<\/li>\n<li><b>Robo-advisors are safe.<\/b> Just like a traditional financial advisor, a robo-advisor must register with the US Securities and Exchange Commision (SEC).<\/li>\n<\/ul>\n<\/div>\n<div class=\"ipc-column\">\n<p>\n                                            <span class=\"ipc-x\"><\/span><br \/><span class=\"ipc-name\" style=\"color: #56209F\">Cons<\/span>\n                                        <\/p>\n<ul class=\"ipc-list\">\n<li><b>Limited investment options.<\/b> A robo-advisor typically gives you little control over how your money is invested and usually offers a smaller set of portfolio options.<\/li>\n<li><b>Limited services.<\/b> If you need help with estate planning or trust administration, you\u2019re better off with a human financial planner. A robo-advisor is meant for basic investment services.<\/li>\n<li><b>No growth in financial literacy.<\/b> When you let a robot work for you, it can be hard to be motivated to learn for yourself. <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>Frequently Asked Questions (FAQs) About Robo-Advisors<\/h2>\n<p>We\u2019ve got the answers to some of the mostly commonly asked questions about robo-advisors.<\/p>\n<div class=\"irc-faq-container\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"irc-faq-section\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"irc-toggle-section\">\n<p>How Should I Choose a Robo-Advisor?<\/p>\n<\/div>\n<div class=\"irc-answer\" itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p><span style=\"font-weight: 400;\">Think about the features that are most important to you. To get started, look at our list of the eight best robo-advisors and choose the one that is rated for your specific need (for example, micro-investing or mobile investing).<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"irc-faq-section\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"irc-toggle-section\">\n<p>Which Robo-Advisor Has the Best Returns?<\/p>\n<\/div>\n<div class=\"irc-answer\" itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p><span style=\"font-weight: 400;\">The return rates vary and depend on how funds are invested and how the market is doing. Most robo-advisors perform similarly. Choosing the right one is more about the features and pricing that are right for you.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"irc-faq-section\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"irc-toggle-section\">\n<p>Which Robo-Advisor Should I Use?<\/p>\n<\/div>\n<div class=\"irc-answer\" itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p><span style=\"font-weight: 400;\">This depends entirely on your preference. Think about the fees you\u2019re comfortable paying, the maximum investment you can afford to make and the features that meet your needs.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"irc-faq-section\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"irc-toggle-section\">\n<p>Do Robo-Advisors Beat the Market?<\/p>\n<\/div>\n<div class=\"irc-answer\" itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p><span style=\"font-weight: 400;\">Robo-advisors perform similarly to other brokerage accounts. Performance varies depending on the state of the market and the diversification of the investment portfolio. It also depends on how aggressive you have indicated you want your portfolio to be.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><i>Contributor Timothy Moore is a writer and editor in Cincinnati who covers banks, loans insurance, travel and automotive topics for The SS.<\/i><\/p>\n<p>        <!-- ACF Financial Disclaimer --><\/p>\n<p>        <!-- End ACF Financial Disclaimer --><\/p>\n<p>        <!-- Newsletter Signup Form --><\/p>\n<hr>\n<hr>\n<div class=\"mobile-ad-units\">\n<div class=\"unit\">\n<p>                        <img fetchpriority=\"high\" width=\"486\" height=\"437\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125533\/cards-dark.jpg\" class=\"attachment-full size-full\" alt=\"\" decoding=\"async\" fetchpriority=\"high\" srcset=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125533\/cards-dark.jpg 486w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125533\/cards-dark-360x324.jpg 360w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125533\/cards-dark-300x270.jpg 300w\" sizes=\"(max-width: 486px) 100vw, 486px\">\n                                <\/div>\n<div class=\"unit\">\n                                    <a href=\"https:\/\/t.thepennyhoarder.com\/aff_c?offer_id=7631&amp;aff_id=408\" target=\"_blank\" rel=\"sponsored noopener\" class=\"aff_id_override\"><br \/>\n                        <img width=\"486\" height=\"437\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125329\/auto-insurance-light.jpg\" class=\"attachment-full size-full\" alt=\"\" decoding=\"async\" srcset=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125329\/auto-insurance-light.jpg 486w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125329\/auto-insurance-light-360x324.jpg 360w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2025\/03\/18125329\/auto-insurance-light-300x270.jpg 300w\" sizes=\"(max-width: 486px) 100vw, 486px\">                    <\/a>\n                                <\/div>\n<\/p><\/div>\n<div class=\"newsletter-signup-wrapper-for-digioh\">\n<div class=\"col-xs-12 newsletter-wrap flex-row\">\n<div class=\"container flex-container\">\n<div class=\"col-xs-12 new-newsletter-form\">\n<p class=\"text-subheading\">Ready to stop worrying about money?<\/p>\n<p class=\"text-get-daily\">Get the SS Daily<\/p>\n<p class=\"email-privacy-policy-blurb-white\">\n<\/p><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<p>        <!-- End Newsletter Signup Form --><\/p><\/div>\n<p><a href=\"https:\/\/www.thepennyhoarder.com\/investing\/best-robo-advisor\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robo-advisors are growing increasingly popular, especially with Millennial and Gen Z investors, as an alternative to traditional portfolio management. But not all robo-advisors are created equal. Robo-advisor \u2014 an automated investment platform that uses computer algorithms to invest your money for you \u2014 is certainly a hot buzzword in today\u2019s economic landscape (perhaps second to<\/p>\n","protected":false},"author":1,"featured_media":15682,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[185],"tags":[3122],"class_list":{"0":"post-15681","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing","8":"tag-roboadvisors"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/15681","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15681"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/15681\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/15682"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15681"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15681"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}