Thinking about investing but don’t want to deal with the stress or time commitment? Robo advisors make it easy. These automated platforms help you invest in the stock market without needing to be an expert — or even lift a finger.
After a quick survey about your goals and risk tolerance, they build and manage a custom portfolio for you. No more guessing, no pricey meetings with financial advisors — just smart, hands-off investing designed to help you grow your money over time.
With the market constantly shifting and interest rates always in the news, robo advisors offer a simple, affordable way to stay on track — even if you’re totally new to investing.
Best Robo Advisors for 2025
Betterment
- Account minimum: No account minimum requirement
- Management fees: There are two types of accounts: Betterment Digital with no required minimum needed and with a low management fee of 0.25%; Betterment Premium has a minimum of $100,000 with a management fee of 0.40%. The latter also lets you connect with a human adviser who caters to your needs.
Betterment has become known as the largest and one of the best robo advisors as it offers the latest tools and features, and affordable fund management services. It provides diversified portfolios of low-cost ETFs tailored to individual financial goals and risk tolerances, with features like tax-loss harvesting and automatic rebalancing to optimize returns.
- For those who need retirement plans, hands-off investors, and low-income workers
- All investors benefit from every cent they put in as Betterment allows the purchase of fractional shares. This way, you need not stand by for an opportunity to get full shares.
- Betterment also offers a year of free investment management when you invest a specific amount.
- Automated Investing: Offers low-cost ETF portfolios with automatic rebalancing and tax-loss harvesting.
- Low Fees: Charges 0.25% for Digital and 0.65% for Premium (min $100,000), with no Digital account minimums.
- Goal Planning: Tools to align investments with personal goals like retirement or big purchases.
- Cash Management: Fee-free high-yield savings and checking accounts integrated with investments.
Titan Invest
- Account minimum: Requires at least $500 to open an account
- Management fees: Titan Invest charges an annual advisory fee of 0.90% for balances under $25,000, 0.80% for $25,000–$99,999, and 0.70% for $100,000 or more. Automated stock and bond portfolios have no advisory fees.
Titan Invest is an investment platform offering actively managed portfolios and access to alternative assets like venture capital and private credit. Portfolio options include large-cap U.S. stocks, growth companies, international markets, and cryptocurrencies. It also offers a Smart Cash account for high-yield cash management.
- Titan is ideal for those seeking active management, diversification, and educational resources.
- While fees (0.7%-0.9%) are higher than passive robo-advisors, its transparency and unique offerings make it worth considering.
- A $500 minimum investment is required, which is higher than most robo advisors.
- Actively Managed Portfolios: Invest in U.S. stocks, growth companies, international markets, and crypto.
- Alternative Investments: Access venture capital and private credit typically for high-net-worth investors.
- Smart Cash Account: Earn interest by allocating unused cash to Treasury money market funds.
- Investor Education: Provides insights to help understand portfolios and market trends.
SoFi Automated Investing
- Account minimum: No minimum investment
- Management fees: No administration fees
SoFi Invest charges zero fees on management and provides affordable ETFs, or Exchange Traded Funds. Customers also get access to a team of financial advisors. It is arguably one of the best players in the industry, competing against top advisors when it comes to affordability.
- Best for new investors, low-income employees, and hands-off investors
- It supports non-retirement accounts, joint accounts, SEP, Roth, traditional and rollover IRAs.
- SoFi offers ten personalized strategies, risk levels, and various allocations to investors with accounts that are taxable and non-taxable
- Broad range of low-cost investments with free management
- Automatic rebalancing and no annual advisory fee
- Access to financial advisors at no additional cost
- You only need $1 to get started
Acorns
- Account minimum: Requires at least $5 to invest
- Management fees: Acorns charges a flat $3/month (about 0.36% yearly on $10K), plus small ETF fees
Acorns automatically invests your spare change from everyday purchases using round-ups. The platform links to your debit or credit card, rounds up each transaction to the nearest dollar, and invests the spare change into a diversified portfolio built by experts.
- Best for students, first-time savers, and hands-off investors
- Supports taxable investment accounts and retirement accounts including Roth, Traditional, and SEP IRAs
- Offers automated and manual round-up investing, with portfolios based on your goals and risk tolerance
- Acorns rounds up spare change from purchases and invests it for you
- Get a $20 bonus when you invest just $5 and start a recurring deposit
- Start building long-term wealth with just $3/month—free if you're under 24 and in school
Wealthfront
- Account minimum: $500
- Management fees: 0.25 percent
Wealthfront is known for having one of the lowest management fees in the industry, investors can expect to fork over only 0.25%. Expense ratios go up to 0.11% for those with the Wealthfront Risk Parity Fund included in their investment portfolios. You can put your spare $500 to work since there are a variety of account options for you.
- The platform offers cash accounts that are high-yielding, and this is for cash accounts that do not require management fees.
- Clients who can provide the minimum investment amount can open personal and joint savings accounts. Investors can also choose a 529 college savings plan for students or parents. Account-holders with $100,000 are entitled to tax-loss harvesting and direct indexing.
- Free goal-based tools and free personalized financial planning are also offered to clients
Charles Schwab Intelligent Portfolios
- Account minimum: Requires at least $5,000 for the standard account and $25,000 for the premium account
- Management fees: No fees for the management of your basic account; $30 per month for the premium one
Charles Schwab Intelligent Portfolios is known for charging zero in basic portfolio management, Charles Schwab makes up large account balances and above average in cash allocation. It offers customizable investment portfolios and automatic rebalancing.
- For beginners who want to start investing big, for those who need access to financial coaches, and for IRA investors
- Supports non-retirement accounts, trusts, IRA, Roth, and traditional accounts
- Has 53 ETFs with 20 asset classes. It offers unlimited access to financial planners with the premium account
Empower
- Account minimums: The Financial Dashboard is for free; the Wealth Management area requires a minimum of $100,000 or $200,000 to access services offered by financial advisors
- Management fees: Fees vary according to the amount of the investment and become lower the higher the amount under management. Annual advisory fees can reach up to 0.89% for investments up to $1 million. First $3 million charges 0.79%, $2 million requires 0.69%, $5 million gets 0.59%, and $10 million can reach up to 0.49%.
Empower has two versions, one is the free Financial Dashboard where you can manage all of your accounts like savings, checking, investments, credit and debit cards, and even company-sponsored retirement plans. The other version is Wealth Management which allows portfolio creation through financial data and risk tolerance. The seed money is then allocated to six different asset classes.
- For new and veteran investors, students, and employees who want to manage their financial accounts as well as invest.
- Offers account protection of $250,000 and $500,000 in cash and securities.
- Plan smarter, retire sooner—Empower helps you optimize your investments for free.
- Maximize your retirement with tools like Monte Carlo simulations and portfolio tracking.
- Take control of your future—get personalized insights to grow your savings.
Should You Use a Robo Advisor?
A Robo advisor assesses your risk tolerance, financial capabilities, and investment goals. They work by using an algorithm to provide the best investment plan for your needs. If this sounds good to you, then you should look into investing using robo advisors.
Behind these companies are a team of specialists who select the best options for you. Utilizing robo advisors still requires human assistance to oversee what the clients already know and need to know. However, it is much more hands off compared to other types of investing apps.
What are the Features of Robo Advisors?
Robo advisors offer investment portfolios that cater to your financial capabilities and risk tolerance. They are programmed to ask questions so that they can properly assess your financial profile and current personalized services. They also offer goal-based planning, account or portfolio management, customer service, and security features. Some also allow access to human financial coaches depending on the investment.
In Conclusion
The list given above is simply for the best robo advisors, and it is just the first step. Your next move is to figure out what will serve your financial goals. There are plenty of advisors, but not everyone is transparent or provides the support that you’ll need. Those with the backing of human experts are still considered the best for every investor level.
