Best Robo-Advisor Platforms for Automated Investing in 2025

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Automated investing is no longer a futuristic concept—it’s here, and it’s changing the way people manage their money. Robo-advisors have become the go-to solution for investors who want a hands-off, tech-driven approach to building wealth. Whether you’re a beginner or a seasoned investor, these platforms use smart algorithms to create, manage, and optimize your portfolio based on your goals, risk tolerance, and timeline.

In this guide, we’ll walk you through the best robo-advisor platforms for automated investing in 2025, breaking down their features, fees, and what makes each one stand out. Let’s dive in.

What Is a Robo-Advisor?

A robo-advisor is an online investment platform that uses algorithms and artificial intelligence to automate the investing process. You answer a few questions about your financial goals, risk appetite, and investment horizon, and the platform builds a personalized portfolio for you. From there, it continuously monitors and rebalances your investments to keep you on track.

Robo-advisors are perfect for anyone who wants to invest without the hassle of picking stocks or managing a portfolio manually. They’re also a great option for those who want access to professional-grade investment strategies at a fraction of the cost of traditional financial advisors.

How Do Robo-Advisors Work?

Here’s a quick look at how robo-advisors operate:

Sign Up and Set Your Goals: You’ll be asked about your financial objectives, risk tolerance, and investment timeline.
Algorithmic Portfolio Creation: The platform uses your inputs to build a diversified portfolio, usually made up of ETFs or mutual funds.
Continuous Monitoring and Adjustments: The robo-advisor keeps an eye on your investments, rebalancing as needed to maintain your desired risk level.

This automated approach takes the guesswork out of investing, making it accessible and stress-free for everyone.

Top Robo-Advisor Platforms in 2025

1. Fidelity Go

Fidelity Go is a top-tier robo-advisor from the well-known financial giant Fidelity Investments. It’s designed for investors who want a simple, hands-off experience without the complexity or high fees often associated with traditional financial advising.

Annual Fees: Free up to $25,000 invested, then 0.35%
Minimum Investment: $10
App Store Rating: 4.8 (Apple), 4.6 (Google)

Fidelity Go stands out for its accessibility and robust features. It’s a great fit for new investors and those who already use Fidelity for other financial services. The platform offers automatic rebalancing, tax-loss harvesting, and seamless integration with other Fidelity accounts.

2. Betterment

Betterment is one of the pioneers in the robo-advisor space and remains a favorite for beginners and experienced investors alike. It’s known for its user-friendly interface, educational resources, and a wide range of investment options.

Annual Fees: 0.25% to 0.65%
Minimum Investment: $0
App Store Rating: 4.7 (Apple), 4.4 (Google)

Betterment offers automatic investment features like tax-loss harvesting, rebalancing, and customized portfolios. It also provides retirement planning tools and access to human financial advisors for premium users. The platform is ideal for those who want a comprehensive, all-in-one investing experience.

3. Wealthfront

Wealthfront is another leading robo-advisor that combines investing, planning, and banking in one platform. It’s known for its goal-based investing approach and advanced features like direct indexing and automated bond ladders.

Annual Fees: 0.25%
Minimum Investment: $500
App Store Rating: 4.7 (Apple), 4.4 (Google)

Wealthfront uses Modern Portfolio Theory to allocate investments across ETFs and offers tax-loss harvesting, automatic rebalancing, and planning tools. It also provides a no-fee FDIC-insured cash management account and the ability to borrow against your account at attractive rates.

4. Vanguard Digital Advisor

Vanguard Digital Advisor is a straightforward robo-advisor offering attractive fees and high-quality portfolio construction. It’s a great option for investors who want access to Vanguard’s renowned ETFs and passive investing strategies.

Annual Fees: 0.20% to 0.25%
Minimum Investment: $100
App Store Rating: 4.7 (Apple), 3.5 (Google)

Vanguard Digital Advisor uses the company’s Life-Cycle Investing Model to create customized portfolios based on your age, goals, and risk profile. The platform offers automatic rebalancing, tax-loss harvesting, and access to human financial advisors for larger accounts.

5. Ally Invest

Ally Invest is an affordable, easy-to-use robo-advisor backed by the well-known digital bank Ally Bank. It’s ideal for investors who want a simple, integrated experience with access to a range of financial tools.

Annual Fees: 0% for cash-enhanced portfolios; 0.3% for market-focused portfolios
Minimum Investment: $100
App Store Rating: 4.7 (Apple), 4.4 (Google)

Ally Invest offers low-cost portfolio management and seamless integration with Ally Bank’s checking, savings, and lending services. The platform is perfect for those who want a hassle-free investing experience with the added convenience of a full-service digital bank.

6. M1 Finance

M1 Finance is a highly customizable robo-advisor that’s ideal for sophisticated investors. It allows you to create your own portfolios using low-cost ETFs or stocks and offers a range of automated investing features.

Annual Fees: No trading or commission fees
Minimum Investment: $125
App Store Rating: 4.7 (Apple), 4.4 (Google)

M1 Finance stands out for its flexibility and user-friendly interface. You can set up automated investing, access a daily trading window, and even get a discount on interest rates when taking out a loan with M1 Borrow.

7. Schwab Intelligent Portfolios

Schwab Intelligent Portfolios is a low-fee robo-advisor from Charles Schwab, known for its solid investments and extensive services. It’s a great option for investors who want a reliable, no-frills platform.

Annual Fees: 0%
Minimum Investment: $5,000
App Store Rating: 4.7 (Apple), 4.4 (Google)

Schwab Intelligent Portfolios uses an intuitive risk-tolerance questionnaire to match investors with portfolios fitting one of 12 risk profiles. The platform offers automatic rebalancing, tax-loss harvesting, and access to a wide range of investment options.

8. SoFi Robo Investing

SoFi Robo Investing is a popular choice for those who want a simple, low-cost way to start investing. It’s part of the broader SoFi ecosystem, which includes banking, lending, and financial planning services.

Annual Fees: 0%
Minimum Investment: $1
App Store Rating: 4.7 (Apple), 4.4 (Google)

SoFi Robo Investing offers automated portfolio management, tax-loss harvesting, and access to SoFi’s financial planning tools. It’s a great option for beginners and those who want to integrate investing with other financial services.

9. Acorns

Acorns is a unique robo-advisor that focuses on micro-investing. It rounds up your everyday purchases and invests the spare change in a diversified portfolio.

Annual Fees: $3/month (Lite), $5/month (Personal), $9/month (Family)
Minimum Investment: $5
App Store Rating: 4.7 (Apple), 4.4 (Google)

Acorns is perfect for those who want to start investing with small amounts of money. It’s a great way to build a habit of saving and investing without a big upfront commitment.

10. Stash

Stash is another micro-investing platform that makes it easy to start investing with as little as $5. It offers a range of investment options, including stocks, ETFs, and themed portfolios.

Annual Fees: $1/month (Stash Lite), $3/month (Stash+, $9/month (Stash+ Premium)
Minimum Investment: $5
App Store Rating: 4.7 (Apple), 4.4 (Google)

Stash is ideal for beginners and those who want to learn more about investing. It offers educational resources, personalized recommendations, and a user-friendly interface.

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How to Choose the Right Robo-Advisor

With so many options available, it can be overwhelming to choose the right robo-advisor. Here are a few tips to help you make the best decision:

Consider Your Goals: Are you saving for retirement, a big purchase, or just building wealth? Different platforms cater to different goals.
Look at Fees: Compare annual fees, minimum investments, and any additional costs. Lower fees can make a big difference over time.
Check Features: Look for features like tax-loss harvesting, automatic rebalancing, and access to human advisors.
Read Reviews: Check app store ratings and user reviews to get a sense of the platform’s reliability and customer support.
Try a Free Trial: Many robo-advisors offer free trials or no minimum investment requirements, so you can test the platform before committing.

The Future of Robo-Advisors

Robo-advisors are only going to get better and more accessible in the coming years. As technology advances, we can expect even more personalized investment strategies, lower fees, and seamless integration with other financial services. Whether you’re a beginner or a seasoned investor, there’s never been a better time to start automating your investing.

Final Thoughts

Robo-advisors have made investing easier, more affordable, and more accessible than ever before. With a wide range of platforms to choose from, you can find the perfect fit for your goals, risk tolerance, and budget. Whether you’re just starting out or looking to optimize your existing portfolio, automated investing is a smart way to build wealth and secure your financial future.

So, what are you waiting for? Take the first step towards automated investing today and let technology work for you.