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Top Robo-Advisors for Automatic Investing in January 2025

Compare our picks of the best robo-advisors for automated investing and portfolio management.

4.5 ★★★★★
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4.4 ★★★★★
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3.9 ★★★★★
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3.1 ★★★★★
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4.3 ★★★★★
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INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Automated investing is offered through SoFi Wealth LLC, an SEC-registered investment adviser.

Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

Alternative investments, including funds that invest in alternative investments, are risky and may not be suitable for all investors. Alternative investments often employ leveraging and other speculative practices that increase an investor's risk of loss to include complete loss of investment, often charge high fees, and can be highly illiquid and volatile. Alternative investments may lack diversification, involve complex tax structures and have delays in reporting important tax information. Registered and unregistered alternative investments are not subject to the same regulatory requirements as mutual funds.

0.25% fee is based on your account value. The wrap program fee may cost more or less than purchasing brokerage, custodial, and recordkeeping services separately.

4 ★★★★★
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3.7 ★★★★★
verified_user SIPC Insured
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Get $10 when you sign up and deposit $5

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Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.

What to look for when choosing the best platform for automated investing

Finder’s picks for the best robo-advisors are meant to provide you with a starting point for finding the right option for your investing goals. That said, it’s important to consider your personal preference and individual investing goals too.

Consider the following factors when comparing your options:

  • Fees. From advisory fees to account transfer fees, it’s important to understand the cost to invest. Most robo-advisors don’t charge separate trading fees, but be mindful of any back-end fees for having account, such as wire transfer fees and account transfer fees.
  • Minimum deposit requirements. Many robo-advisors let you get started with as little as $1, while others require several thousand dollars.
  • Portfolio mix. Most robo-advisors build portfolios of ETFs, but which ETFs? Are you content with just US equity and fixed income exposure or do you also want exposure to crypto and international equities?
  • Account types. Consider your investment needs and whether you want to invest through a taxable brokerage account or individual retirement account (IRA), or both. If you’re only interested in investing through an IRA, tax-loss harvesting capabilities won’t matter — the strategy isn’t useful in retirement accounts because you can’t deduct the losses.(2)
  • Mobile app reviews. Mobile trading is more popular than ever, allowing you to trade and invest from anywhere. Check out what current or previous customers say about the platform’s functionality.
  • Cash management options.Robo-advisors that offer cash management accounts can let you earn interest on your uninvested cash.

How to invest with a robo-advisor

  1. Set up an account. You will need to register for an account using an email and password. A robo-advisor will usually want your name and address and documents such as a passport to conduct identity checks. You will also have to provide your national insurance number if you want to set up an ISA.
  2. Complete a risk questionnaire. One of your first tasks will be to complete a risk questionnaire so the robo-advisor can assess your attitude to investing and risk appetite. This will determine the portfolio that your money is put into.
  3. Decide how much you want to invest. Each robo-advisor will have its own minimum investment but as long as you meet this, you can choose how much to invest as a lump sum or on a monthly basis.
  4. Choose a product. Once you know the type of portfolio and how much you want to invest, you can choose a product wrapper such as an ISA, general investment account or pension. The type of product will depend on the robo-advisor.
  5. Link your bank account. You will need to link a bank account with your robo advice platform so you can send contributions and make withdrawals. This helps prevent fraud as money can usually only be sent to a linked account.
  6. Monitor your investments. Use a robo-advisor’s app or website to keep track of your investment and look out for email updates on portfolio performance and strategies.

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