Investing Insights

Digital Advice in 2025: What You Need to Know About Robo-Advisors

24 snips
Jun 20, 2025
Lan Tran, a manager research analyst from Morningstar Research Services, shares valuable insights on the evolving landscape of digital investment advice. She explains what robo-advisors are, detailing their benefits, like cost efficiency, and their limitations in personalization compared to traditional advisors. Lan evaluates the top robo-advisors for 2025, including Betterment, Fidelity Go, and Vanguard, while also cautioning about the pitfalls of lower-rated platforms like Titan Investor. This conversation is a must-listen for anyone exploring smarter investment options.
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INSIGHT

How Robo-Advisors Work

  • Robo-advisors use algorithms to create portfolios tailored to your financial goals and risk tolerance.
  • They automatically select low-cost ETFs and rebalance to maintain your targeted allocation.
INSIGHT

Robo vs. Human Advisors

  • Robo-advisors cost less and require lower investment minimums than human advisors.
  • They provide less personalized support and customization, lacking human interaction and tailored advice.
ADVICE

Who Should Use Robo-Advisors

  • Use robo-advisors if you have straightforward financial needs and lower investable assets.
  • Seek human advisors for complex situations like estate planning or managing multiple accounts.
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