{"id":22594,"date":"2025-12-13T02:32:14","date_gmt":"2025-12-13T02:32:14","guid":{"rendered":"https:\/\/incredipros.com\/?p=22594"},"modified":"2025-12-13T02:32:16","modified_gmt":"2025-12-13T02:32:16","slug":"what-is-a-robo-advisor-bankrate","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22594","title":{"rendered":"What Is A Robo-Advisor? | Bankrate"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a typical financial advisor. It\u2019s little wonder that many investors have turned to them, and robo-advisors now manage hundreds of billions of dollars.<\/p>\n<h2 id=\"what-a-robo-advisor-does\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What a robo-advisor does\" data-outcome=\"\">What a robo-advisor does<\/h2>\n<p>A robo-advisor is a digital platform that uses technology to create a portfolio based on your investing needs. <\/p>\n<p>Generally, you\u2019ll fill out a questionnaire that aims to understand your goals and risk tolerance. Based on your responses, the robo-advisor will recommend a portfolio, though usually you\u2019ll have the option to pick a different portfolio if you like.<\/p>\n<p>Then you simply transfer money into the account, and the robo-advisor invests it according to the investment plan that\u2019s been laid out. You can access your account at any time to see the current market value of the account and how it\u2019s invested.<\/p>\n<p>Robo-advisors can:<\/p>\n<ul class=\"wp-block-list\">\n<li>Tailor your investments to your goals and risk tolerance (though that tailoring is limited to the investments offered by the robo-advisor).<\/li>\n<li>Rebalance portfolios so your asset allocation stays on track.<\/li>\n<li>Automate the process of tax-loss harvesting (in non-retirement accounts).<\/li>\n<\/ul>\n<p>If you have a long-term goal such as retirement, the robo-advisor will tend to pick aggressive investments such as stock funds, which have a track record of high returns over time. If you have a short-term goal, the robo-advisor would likely select more conservative investments, such as bond funds or even cash.<\/p>\n<h2 id=\"cost\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much does a robo-advisor cost?\" data-outcome=\"\">How much does a robo-advisor cost?<\/h2>\n<p>There are a few fees to consider as you shop around for the robo-advisor that\u2019s best for you:<\/p>\n<p><strong>Management fee:<\/strong> Robo-advisors typically charge a management fee as a percentage of the funds you have invested with them. A typical fee is 0.25% or 0.50% per year, or about $25 to $50 per $10,000 invested.\u00a0That\u2019s a significant difference from the 1% or more often charged by human advisors. Some robo-advisors charge more than others, but they offer higher levels of service, such as access to a human advisor. Some robo-advisors are free.<\/p>\n<p><strong>Investment expense ratios:<\/strong> In addition to the management fee, you\u2019ll usually pay a fee for each investment, too. That\u2019s because robo-advisors typically build investment portfolios using exchange-traded funds (ETFs). ETFs charge an expense ratio, which is a fee paid to the fund company based on how much you have invested in the fund. A typical expense ratio might be 0.05% to 0.35% per year, or $5 to $35 for every $10,000 invested. You pay these fees no matter which robo-advisor you select, but some robos offer funds with lower fees, so check what they\u2019re charging.<\/p>\n<p><strong>Account minimum:<\/strong> Technically, this isn\u2019t a fee but simply the amount of money you must cough up to invest when you open your account. Robo-advisor minimums\u00a0vary widely \u2014\u00a0some have $0 account minimums while others require a few thousand dollars.<\/p>\n<h2 id=\"pros-cons\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Robo-advisor pros and cons\" data-outcome=\"\">Robo-advisor pros and cons<\/h2>\n<div id=\"block_4140291cf679bd9c880b2577dc930c28\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div><\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Simplicity: It\u2019s easy and fast to create a set-it-and-forget-it investment portfolio.<\/li>\n<li>Value-added features: Robo-advisors stand out for features such as rebalancing and daily tax-loss harvesting.<\/li>\n<li>Cost: Robo-advisors are cheaper than traditional financial advisors.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>No access to human advisors: If you have questions, robo-advisors typically don\u2019t offer access to a human advisor or, if they do, they may charge extra for that service.<\/li>\n<li>Limited investment menu: Unlike an online broker, a robo-advisor will offer only a limited number of investments.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 id=\"best-for\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Who should use a robo-advisor?\" data-outcome=\"\">Who should use a robo-advisor?<\/h2>\n<p>A robo-advisor can be especially helpful for:<\/p>\n<ul class=\"wp-block-list\">\n<li>New investors who want help building and managing their portfolios. Answer a few questions to determine your goals and risk profile, and after that all you have to do is check your portfolio a few times a year.<\/li>\n<li>Investors who don\u2019t want to pay a human financial advisor\u2019s fees but want a customized portfolio based on their needs.\u00a0<\/li>\n<li>Investors who want a \u201cset it and forget it\u201d approach to investing.<\/li>\n<\/ul>\n<h2 id=\"how-to-open-an-account\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to open a robo-advisor account\" data-outcome=\"\">How to open a robo-advisor account<\/h2>\n<p>It\u2019s easy to open an account with a robo-advisor. Here are the basic steps:<\/p>\n<ol class=\"wp-block-list\">\n<li>\n<strong>Gather your information.<\/strong> You\u2019ll need some basic personal and financial information such as your Social Security number and bank account details. Once you have this, you can usually open the account in 15 minutes or less.<\/li>\n<li>\n<strong>Decide how much to deposit.<\/strong> With many robo-advisors, you can open an account without depositing any money. That said, if investing is the next step to reach your goals, it makes sense to start investing as soon as possible. <\/li>\n<li>\n<strong>Set your investment plan.<\/strong> The robo-advisor will use a questionnaire to gauge your risk tolerance and time horizon. From there, it will design a portfolio that meets your parameters. The robo-advisor may ask other questions about your financial goals to further tailor your portfolio to your specific needs and situation.<\/li>\n<\/ol>\n<h2 id=\"popular-robo-advisors\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Popular robo-advisors\" data-outcome=\"\">Popular robo-advisors<\/h2>\n<p>Robo-advisors have grown a lot in the last decade, and many of the independent players \u2014 those that are standalone robo-advisors \u2014 are the best known. However, many well-known financial players also offer a robo-advisor in addition to their other offerings, so don\u2019t assume the independent players such as Betterment and Wealthfront are the only game in town.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd Table--spacing1 align-middle is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Robo-advisor<\/th>\n<th>Account minimum<\/th>\n<th>Fees<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Betterment<\/td>\n<td>$0<\/td>\n<td>0.25% annually or $5 a month, depending on account balance. The cost decreases at a $1 million+ balance.<\/td>\n<\/tr>\n<tr>\n<td>Vanguard Digital Advisor<\/td>\n<td>$100<\/td>\n<td>0.20% to 0.25%<\/td>\n<\/tr>\n<tr>\n<td>Wealthfront<\/td>\n<td>$500<\/td>\n<td>0.25%<\/td>\n<\/tr>\n<tr>\n<td>Schwab Intelligent Portfolios<\/td>\n<td>$5,000<\/td>\n<td>None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Betterment<\/h3>\n<p>Betterment is one of the larger independent players, and it requires no account minimum for the entry-level account, which charges a management fee of 0.25% a year or $5 a month depending on your balance and recurring deposits. If you\u2019re looking for more access to certified financial planners, you can step up to Betterment Premium for a 0.65% fee, but you\u2019ll need to plunk down at least $100,000 in the account.<\/p>\n<h3>Vanguard Digital Advisor<\/h3>\n<p>The top robo-advisor by assets under management is Vanguard, which is best known for its lineup of low-cost funds. Vanguard Digital Advisor takes just $100 to start investing, and you\u2019ll pay an all-inclusive fee of about 0.20% for an index-fund portfolio instead of separate management and fund fees. Depending on the portfolio and funds you select, your fee may be 0.25% for an active portfolio.<\/p>\n<h3>Wealthfront<\/h3>\n<p>Wealthfront requires a $500 account minimum and charges a 0.25% management fee. Wealthfront offers low expense ratios on its ETFs, goal-based planning and no additional account fees.<\/p>\n<h3>Schwab Intelligent Portfolios<\/h3>\n<p>You might hear \u201cCharles Schwab\u201d and think \u201cdiscount broker,\u201d but this financial powerhouse also runs the second-largest robo-advisor. While you\u2019ll need more money than other robos to get started \u2014 a hefty $5,000 \u2014 you won\u2019t pay any management fee. You can also upgrade to the Premium offering, which requires a $25,000 deposit, $300 start-up fee and $30 monthly fee. But you\u2019ll also have unlimited one-on-one access to a certified financial planner.<\/p>\n<p>Other larger financial players such as Merrill and Wells Fargo have entered the robo-advisor field as well.<\/p>\n<h2 data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\"><strong>Bottom line<\/strong><\/h2>\n<p>While you might feel hesitant to trust your money to a computer app, robo-advisors are actually quite sophisticated. In fact, your traditional human advisor is likely using one to create and manage your portfolio anyway. Robo-advisors provide many attractive services for a reasonable cost, and their ease of use makes them particularly appealing to new investors looking to get started.<\/p>\n<p>\u2014 <em>Maurie Backman<\/em><em> contributed to an update of this article.<\/em><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"KI0kUg47K8\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/investing\/robo-advisors\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a typical financial advisor. It\u2019s little wonder that many investors have turned to them, and robo-advisors now manage hundreds of billions of dollars. What a robo-advisor does A robo-advisor is a digital<\/p>\n","protected":false},"author":1,"featured_media":22595,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[],"class_list":{"0":"post-22594","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is A Robo-Advisor? | Bankrate | IncrediPros<\/title>\n<meta name=\"description\" content=\"Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=22594\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is A Robo-Advisor? | Bankrate | IncrediPros\" \/>\n<meta property=\"og:description\" content=\"Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/incredipros.com\/?p=22594\" \/>\n<meta property=\"og:site_name\" content=\"IncrediPros\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-13T02:32:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-13T02:32:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/incredipros.com\/?p=22594#article\",\"isPartOf\":{\"@id\":\"https:\/\/incredipros.com\/?p=22594\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639\"},\"headline\":\"What Is A Robo-Advisor? | Bankrate\",\"datePublished\":\"2025-12-13T02:32:14+00:00\",\"dateModified\":\"2025-12-13T02:32:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/incredipros.com\/?p=22594\"},\"wordCount\":1281,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/incredipros.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/?p=22594#primaryimage\"},\"thumbnailUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png\",\"articleSection\":[\"Investing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/incredipros.com\/?p=22594#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/incredipros.com\/?p=22594\",\"url\":\"https:\/\/incredipros.com\/?p=22594\",\"name\":\"What Is A Robo-Advisor? | Bankrate | IncrediPros\",\"isPartOf\":{\"@id\":\"https:\/\/incredipros.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/incredipros.com\/?p=22594#primaryimage\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/?p=22594#primaryimage\"},\"thumbnailUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png\",\"datePublished\":\"2025-12-13T02:32:14+00:00\",\"dateModified\":\"2025-12-13T02:32:16+00:00\",\"description\":\"Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a\",\"breadcrumb\":{\"@id\":\"https:\/\/incredipros.com\/?p=22594#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/incredipros.com\/?p=22594\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/incredipros.com\/?p=22594#primaryimage\",\"url\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png\",\"contentUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/incredipros.com\/?p=22594#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/incredipros.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Is A Robo-Advisor? | Bankrate\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/incredipros.com\/#website\",\"url\":\"https:\/\/incredipros.com\/\",\"name\":\"IncrediPros\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/incredipros.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/incredipros.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/incredipros.com\/#organization\",\"name\":\"IncrediPros\",\"url\":\"https:\/\/incredipros.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"contentUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"width\":512,\"height\":512,\"caption\":\"IncrediPros\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/incredipros.com\"],\"url\":\"https:\/\/incredipros.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is A Robo-Advisor? | Bankrate | IncrediPros","description":"Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/incredipros.com\/?p=22594","og_locale":"en_US","og_type":"article","og_title":"What Is A Robo-Advisor? | Bankrate | IncrediPros","og_description":"Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a","og_url":"https:\/\/incredipros.com\/?p=22594","og_site_name":"IncrediPros","article_published_time":"2025-12-13T02:32:14+00:00","article_modified_time":"2025-12-13T02:32:16+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png","type":"image\/png"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/incredipros.com\/?p=22594#article","isPartOf":{"@id":"https:\/\/incredipros.com\/?p=22594"},"author":{"name":"News Room","@id":"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639"},"headline":"What Is A Robo-Advisor? | Bankrate","datePublished":"2025-12-13T02:32:14+00:00","dateModified":"2025-12-13T02:32:16+00:00","mainEntityOfPage":{"@id":"https:\/\/incredipros.com\/?p=22594"},"wordCount":1281,"commentCount":0,"publisher":{"@id":"https:\/\/incredipros.com\/#organization"},"image":{"@id":"https:\/\/incredipros.com\/?p=22594#primaryimage"},"thumbnailUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png","articleSection":["Investing"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/incredipros.com\/?p=22594#respond"]}]},{"@type":"WebPage","@id":"https:\/\/incredipros.com\/?p=22594","url":"https:\/\/incredipros.com\/?p=22594","name":"What Is A Robo-Advisor? | Bankrate | IncrediPros","isPartOf":{"@id":"https:\/\/incredipros.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/incredipros.com\/?p=22594#primaryimage"},"image":{"@id":"https:\/\/incredipros.com\/?p=22594#primaryimage"},"thumbnailUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png","datePublished":"2025-12-13T02:32:14+00:00","dateModified":"2025-12-13T02:32:16+00:00","description":"Robo-advisors automate the investing process for you, making it simple to invest in a diversified portfolio of assets\u00a0\u2014\u00a0and they cost much less than a","breadcrumb":{"@id":"https:\/\/incredipros.com\/?p=22594#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/incredipros.com\/?p=22594"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/incredipros.com\/?p=22594#primaryimage","url":"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png","contentUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/12\/GettyImages-2185236359.png","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/incredipros.com\/?p=22594#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/incredipros.com\/"},{"@type":"ListItem","position":2,"name":"What Is A Robo-Advisor? | Bankrate"}]},{"@type":"WebSite","@id":"https:\/\/incredipros.com\/#website","url":"https:\/\/incredipros.com\/","name":"IncrediPros","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/incredipros.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/incredipros.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/incredipros.com\/#organization","name":"IncrediPros","url":"https:\/\/incredipros.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/incredipros.com\/#\/schema\/logo\/image\/","url":"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png","contentUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png","width":512,"height":512,"caption":"IncrediPros"},"image":{"@id":"https:\/\/incredipros.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/incredipros.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g","caption":"News Room"},"sameAs":["https:\/\/incredipros.com"],"url":"https:\/\/incredipros.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts\/22594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22594"}],"version-history":[{"count":1,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts\/22594\/revisions"}],"predecessor-version":[{"id":22596,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts\/22594\/revisions\/22596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/media\/22595"}],"wp:attachment":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}