Robo-advisor reviews 2025

Betterment

Betterment remains a top robo-advisor, with plenty of investment options, a strong cash management account and unlimited access to human advisors for larger portfolios.

Axos Invest

Axos Managed Portfolios offers a strong robo-advisor service with some premium features, all at a reasonable price. Clients also receive a wide choice of funds, including socially responsible funds, though the associated cash management account forces clients to jump through some hoops to receive what is only a mediocre interest rate.

Interactive Advisors

Interactive Advisors offers one of the widest selections of low-cost funds, with options for clients who want "do it for me" or "do it myself" portfolios

SigFig

SigFig keeps costs low whether it’s account fees, fund fees or the annual management fee. You’ll also get access to human advisors and benefit from automatic rebalancing and tax-loss harvesting. But the lack of a cash management account and relatively high account minimums may cause some investors to look elsewhere.

E-Trade Core Portfolios

E-Trade Core Portfolios offers a capable robo-advisor, one that may work best for customers looking to keep their accounts with the broker while having someone do the investing for them. Clients will get low-cost funds as well as less-common choices such as socially responsible funds, though the service doesn’t offer tax-loss harvesting or many tools.

Titan Invest

Titan offers something unusual in the robo-advisor space: Titan combines its own actively managed investments with passively managed ETFs, something no other major robo-advisor does. It also hedges those portfolios, does not charge a management fee for the passive funds – a rarity among rivals – and has a low minimum, making it easy to get started.

Morgan Stanley Access Investing

For younger investors looking to invest based on their values or certain themes, Morgan Stanley’s Access Investing provides a suitable option among robo-advisors. Investors can choose between impact portfolios that focus on environmental, social and corporate governance (ESG) issues, market-tracking portfolios that minimize fees and performance-based portfolios that attempt to outperform through active management.

J.P. Morgan Automated Investing

J.P. Morgan Automated Investing provides portfolio management services with automatic rebalancing and may be a good fit for existing J.P. Morgan customers. But you’ll also pay above-average management fees and have limited account types to choose from. There’s also no tax strategy included in the offering.

Vanguard Digital Advisor

Vanguard Digital Advisor continues the company's tradition of low costs and brings that to a managed portfolio with some premium features and strong Vanguard educational content.

Fidelity Go

Fidelity Go is a solid add-on for existing Fidelity customers looking to have their money managed and get planning help from an advisor.

Personal Capital

Personal Capital customers will get an experience that more closely resembles that of a traditional financial advisor than a robo-advisor, but you’ll need at least $100,000 to get started. You’ll also get a comprehensive tax strategy to help minimize what you owe to Uncle Sam. But this higher level of service does come at an above average cost compared to the rest of the robo-advisor industry.

Stash

Stash gives new investors an easy way to get started with small sums of money, but more sophisticated investors might be disappointed by the limited account types and basic portfolios.

M1 Finance

M1 offers a peanut butter and chocolate mash-up: half low-cost broker and half low-cost robo-advisor, but all good.

Wealthfront

Wealthfront is a leading robo-advisor and offers key features such as tax-loss harvesting and automatic rebalancing, as well as a leading cash management account.

Ellevest

Ellevest is a capable, flat-fee robo-advsior that offers impact portfolios and considers factors that uniquely affect women.

Schwab Intelligent Portfolios

Schwab Intelligent Portfolios is a great pick for your next robo-advisor, with low costs and tons of features, including unlimited access to advisors.

Acorns

Acorns combines a spending, savings and investing app into one, making it easy to round your change into a higher-returning investment.

Wells Fargo Intuitive Investor

Wells Fargo Intuitive Investor is a solid robo-advisor that may hold appeal for existing Wells Fargo bank customers because of its premium services and access to financial advisors.

Ally Invest Managed Portfolios

Ally Invest Robo Portfolios offers a low-cost way to build a portfolio where you can avoid the management fee entirely if you keep 30 percent of your portfolio in cash. Some key features such as tax-loss harvesting aren’t available, however.

Merrill Guided Investing

Merrill Guided Investing offers a credible investing service for Bank of America customers, but its high management fee makes it less attractive among a competitive field of robo-advisors. Merrill offers several positives, including access to human advisors and low-cost investment funds, but premium features such as tax-loss harvesting are missing.

SoFi Robo Investing

SoFi Robo Investing makes a good pick for new investors, those with existing SoFi accounts and those on the hunt for access to human advisors.

Marcus Invest

Marcus Invest offers the core feature of a robo-advisor – portfolio management – and then adds some twists, such as several portfolio types, all for a cost-competitive fee. It’s a great add-on for current Marcus customers, though some features of higher-end robo-advisors such as tax-loss harvesting and an expansive toolset are missing.

Empower

Empower is a solid choice for investors with higher account balances who are looking for an experience similar to that of a traditional advisor along with key features such as sophisticated portfolio construction and tax-saving strategies.