Best Robo-Advisors 2026
by Anonymous
Robo-advisors use algorithms to build and manage diversified investment portfolios based on your risk tolerance and goals. They automate rebalancing, tax-loss harvesting, and dividend reinvestment at a fraction of traditional advisor costs. Some now offer hybrid models with human advisor access. They are ideal for hands-off investors who want professional management without the high fees.
Betterment
0.25% (Premium 0.65%)
management fee
$0 (Premium $100K)
minimum investment
Yes
tax-loss harvesting
Premium plan ($100K+)
human advisor access
Individual, joint, IRA, trust
account types
Yes, 3 SRI portfolios
socially responsible options
Wealthfront
0.25%
management fee
$500
minimum investment
Yes, + direct indexing
tax-loss harvesting
No
human advisor access
Individual, joint, IRA, 529
account types
Yes, SRI portfolio
socially responsible options
Schwab Intelligent Portfolios
0% ($0 advisory)
management fee
$5,000
minimum investment
Yes ($50K+)
tax-loss harvesting
Premium ($25K+, $30/mo)
human advisor access
Individual, joint, IRA, trust
account types
No
socially responsible options
Vanguard Digital Advisor
~0.15%
management fee
$3,000
minimum investment
No
tax-loss harvesting
No (Personal Advisor $50K)
human advisor access
Individual, joint, IRA
account types
Yes, ESG option
socially responsible options
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