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Find out how robo-advisers can help you meet your investment and financial goals. This article explores how investors can use robo-advisers to build wealth and make the most of their money. It includes information on the benefits, drawbacks, returns and other aspects of robo-advisers.


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Robo-adviser investing

Robo-advisers are specialized investing websites. They use feedback from you to automatically create a selection of funds that you can invest in over the medium to long-term. The only human input used in selecting these funds is provided by you, the recommendations come from an analysis by the robo-adviser platform.

Who should use robo-advisers?

Robo-advisers are useful if you like the idea of low-effort, automated investing. They take the human factor out of choosing investments and provide a diverse selection of funds to reduce your risk.

How does robo-adviser investing help you meet your financial goals?

Robo-adviser investing helps you meet your goals in the same way that any other long-term investments in various funds would - Growth, combined with an interim income. Ultimately, whether robo-adviser investing is right for you depends on what you think about your investments being selected for you automatically.

What are your expected returns?

  • Robo-adviser investing provides both capital growth (i.e. an overall increase in the fund values in your portfolio) together with paying a dividend.

  • As robo-adviser investing is still in its infancy, we don't know yet how it will perform over time. However, other diversified funds typically return around 7 - 8% a year. Early indications are that in 2014, robo-adviser investing did not match the performance of the stock market (e.g. via an index tracker).

What are the benefits of robo-adviser investing?

  • Automatic - Low-effort investing, based on questions you answer.

  • Diversified - The portfolios that a robo-adviser chooses from are already well diversified.

What are the drawbacks of robo-adviser investing?

  • Fees - The fees for robo-advisers are higher than those for investing in a straightforward index fund, which could provide similar performance.

  • Not much to learn - Because robo-adviser investing does the work for you, there are only limited learning opportunities on how your investments are working.

  • Robo-adviser investing can be volatile in the short to medium term.

How do you get started with robo-adviser investing?

There are several businesses providing robo-adviser investing, including:

  • Betterment

  • Wealthfront

  • Schwab

Content originally written by Paul Maplesden, a freelance writer, and edited by me.



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