Wenn du dich fragst, ob ein Anbieter seriös ist oder nicht, solltest du zunächst auf dein Bauchgefühl hören. Wenn dir eine Geschäftspraktik komisch vorkommt, solltest du dir lieber einen anderen Anbieter für deine Anlage mit einem Robo-Advisor suchen. Vertrauen und Sicherheit ist bei Geldanlagen wichtig. Wirst du dazu aufgefordert, deine Anlagesumme auf das Geschäftskonto des Unternehmens oder gar der Geschäftsführung zu überweisen, kann etwas nicht stimmen.
Seriöse Anbieter eröffnen immer ein Verrechnungskonto für Anlegerinnen und Anleger bei einer ihrer Partnerbanken. Darüber werden alle Ein- und Auszahlungen abgewickelt. Das Verrechnungskonto wird mit einem persönlichen Referenzkonto, in der Regel deinem Girokonto, verknüpft. Dadurch wird sichergestellt, dass alle Auszahlungen wirklich nur an dich überwiesen werden und nicht auf ein fremdes Konto gelangen.
Zudem solltest du auch bei großen Versprechen vorsichtig sein. Verspricht dir ein Anbieter horrende Renditen und unterschlägt dabei die Risiken, kannst du davon ausgehen, dass irgendetwas nicht stimmt. Genauso solltest du dich auch von Anbietern mit sehr hohen Gebühren fernhalten. Unter Umständen würde dann nämlich von deiner Rendite nichts mehr oder nur noch sehr wenig übrig bleiben.
Um dein Geld überhaupt über einen Robo-Advisor investieren und verwalten zu dürfen, benötigen Anbieter eine Lizenz der Bundesanstalt für Finanzdienstleistungen (BaFin). Nur diese BaFin-Lizenz berechtigt Vermögensverwaltungen dazu, Transaktionen eigenständig durchzuführen, um das Depot nach den vorgegebenen Kundenwünschen zu überwachen und bei Bedarf anzupassen.
Es gibt allerdings auch Robo-Advisor, die das Geld der Anlegerinnen und Anleger nicht selbst investieren, sondern lediglich als Anlagevermittler auftreten. Dafür ist keine BaFin-Lizenz nötig. Das bedeutet jedoch nicht automatisch, dass diese Robo-Advisors unseriös sind. Sie eignen sich für Anlegerinnen und Anleger, die ihre anfangs gewählte Anlagestrategie bzw. die Asset Allocation beibehalten möchten. Für Anlegerinnen und Anleger, die sich regelmäßige Anpassungen an die Marktgegebenheiten wünschen, sind sie jedoch ungeeignet.
FAQs
While a robo-advisor can be efficient in managing your investing decisions, a human advisor may be best for more complex decisions like helping you choose the right student loan repayment plan or comparing compensation packages for a new job. Cost: If cost is a factor, robo-advisors typically win out here.
What is one of the biggest downfalls of robo-advisors? ›
Limited Flexibility
Most robo-advisors won't be able to help you if you want to sell call options on an existing portfolio or buy individual stocks.
What are 2 advantages of using a robo-advisor two correct answers? ›
Benefits of Robo-Advisors vs. Traditional Financial Advisors
- Robo-advisors are low-cost alternatives to traditional advisors. ...
- Most robo-advisors charge annual flat fees of less than 0.4% per specific amount managed. ...
- With robo-advisors, it's generally easier to keep tabs on investments.
Best Robo-Advisors for September 2024
- Best Overall, Best for Goal Planning, Best for Portfolio Construction, Best for Portfolio Management: Wealthfront.
- Best for Beginners, Best for Cash Management, Best for Tax-Loss Harvesting, Best for Crypto Portfolio Selection: Betterment.
- Best for Low Costs: SoFi Automated Investing.
Robo-advisors, like human advisors, cannot guarantee profits or protect entirely against losses, especially during market downturns—even with well-diversified portfolios. Because most robo-advisors only take long positions, when those assets fall in value, so will the portfolio it has constructed.
What are the risks of using a robo-advisor? ›
Algorithmic Risks
Since robo-advisors rely on algorithms to make investment decisions, there is a possibility for errors, biases or overfitting that could lead to suboptimal performance. Additionally, these algorithms might struggle to adapt to unexpected market events, as they are typically based on historical data.
Do rich people use robo-advisors? ›
Digital Advisor Use Dropped in 2022
High-net-worth investors exited robo-advisor arrangements at the highest rates. Here's how the data broke down along asset levels: $50,000 or less: A drop from 23.6% to 20.6% in 2022, which translates to a decrease of 3 percentage points.
Why robo-advisors failed? ›
Robo-advisors in the U.S. have faced three main challenges: high client acquisition costs, ongoing costs of servicing clients, and low revenue yield on client assets.
What is the average return on a robo-advisor? ›
Robo-advisor performance is one way to understand the value of digital advice. Learn how fees, enhanced features, and investment options can also be key considerations. Five-year returns from most robo-advisors range from 2%–5% per year.
Are robo-advisors good for retirees? ›
A robo-advisor can help ease the burden of managing your portfolio as you transition to retirement—and help you figure out how to tap your assets in tax-smart ways.
Do robo-advisors outperform the S&P 500? Robo-advisors can outperform the S&P 500 or they can underperform it. It depends on the timing and what they have you invested in. Many robo-advisors will put a percentage of your portfolio in an index fund or a variety of funds intended to track the S&P 500.
How do robo-advisors make money? ›
As with many other financial advisors, fees are paid as a percentage of your assets under the robo-advisor's care. For an account balance of $10,000, you might pay as little as $25 a year. The fee is typically swept from your account, prorated and charged monthly or quarterly.
Which bank has the best robo-advisor? ›
If you're in the market for a robo-advisor, there are plenty of providers to choose from — but important factors like fees, investment portfolios, account minimums and other features can vary widely. In our analysis, the two robo-advisors with the top scores are Wealthfront and Betterment.
Which robo investor has the lowest fees? ›
The best robo-advisors of September 2024
| Company | Annual advisory fee | Minimum investment amount |
|---|
| Ally Invest Managed Portfolio | 0% to 0.30% | $100 |
| Wells Fargo Intuitive Investor | 0.35% | $500 |
| Fidelity Go | 0% to 0.35% | $10 |
| SigFig | 0% to 0.25% | $2,000 |
6 more rowsOnline brokers are ideal for those who prefer a hands-on approach, making their own decisions and doing their own research. Robo-advisors are best suited for those who value simplicity and hands-off automation.
What is the average fee for a robo-advisor? ›
Compared to a traditional financial advisor, robo-advisors charge lower advisory fees, typically around 0.25%. For example, if you have $10,000 in assets with a robo-advisor, and the wrap fee is 0.25%, you would pay $25 in fees. Robo-advisors can also earn interest on cash management in accounts.
What is the average return of a robo-advisor? ›
Robo-advisor performance is one way to understand the value of digital advice. Learn how fees, enhanced features, and investment options can also be key considerations. Five-year returns from most robo-advisors range from 2%–5% per year.
What is a disadvantage of using a robo-advisor to manage your investments? ›
The generic cons of Robo Advisors are that they don't offer many options for investor flexibility. They tend to not follow traditional advisory services, since there is a lack of human interaction.
