🤖 Robo-Advisors & Digital Investing

Explainer

Robo-advisors are automated investment platforms (Betterment, Wealthfront, Fidelity Go) that build and manage portfolios for you.

Key Benefits:

• Low-cost, hands-off investing
• Tax-loss harvesting features
• Automatic rebalancing

Comparison: Robo-Advisor vs. Human Financial Advisor

• Robo: Cheaper, algorithm-driven, great for beginners
• Human Advisor: Personalized, but higher fees

Guide: Getting Started

Choose a robo-advisor that fits your goals

Input risk tolerance and timeline

Set up recurring contributions

Monitor but don’t micromanage

Trends in 2025

• Hybrid models with AI + human advisors
• Growth of goal-based robo tools (saving for a house, wedding, or retirement)
• Integration with banking apps for seamless investing