Can I lose money with a robo advisor?

Yes. Portfolio values can fall as well as rise and you may get back less than you invest. Automation does not remove market risk.

What fees do robo advisors charge?

Expect a managed/platform fee plus underlying fund charges. Trading, FX or exit costs may also apply. The card “managed fee” is not always the full all-in cost.

Do robo advisors beat the market?

Not necessarily. Many aim to track markets rather than beat them. Outperformance is not guaranteed and past performance is not a reliable guide to future results.

How do risk questionnaires work?

They estimate goals, timeframe and attitude to risk to map you to a portfolio. They are estimates — not guarantees of suitability and not personalised regulated financial advice.

Do robo advisors offer human advice?

Some offer digital guidance only; others offer optional regulated advice for a fee. Guidance and regulated advice are not the same — check what is actually offered.

Can I use an ISA or SIPP?

Many providers offer a Stocks & Shares ISA; some also offer a SIPP. Access and tax rules differ — confirm on the provider’s site and see our ISA and SIPP pages.

Are robo advisors protected by FSCS?

FSCS may apply in certain firm-failure circumstances for eligible investment business. It does not protect against investment losses caused by market movements.

Robo investing or DIY?

Robo services usually manage a ready-made portfolio. DIY investing means choosing your own investments. Neither is universally better — compare time, control and fees.

Invest

Robo Advisors

Q: What is a robo advisor?

An online service that typically asks about goals, timeframe and risk, then recommends or manages a diversified portfolio. Capital remains at risk. Questionnaires are not personalised regulated advice.

Compare UK robo advisors and managed investment platforms by total fees, minimum investment, portfolio style, ISA and SIPP availability, automated rebalancing and support. Investments can fall as well as rise.

Capital at risk

Investments can fall as well as rise.

Fee-first research

Compare managed fees and fund costs before choosing.

Researched by WiT Money

Compare providers and investment approaches side by side.

Robo investing

What is a robo advisor?

A robo advisor is an online investment service that typically asks about your goals, timeframe and attitude to risk, then recommends or manages a diversified portfolio on your behalf.

Risk profile

Answer questions about goals, timeframe and risk.

Portfolio

Receive a managed investment portfolio.

Automation

Contributions and rebalancing may be automated.

Ongoing management

The provider manages the portfolio over time.

Robo advisors are not risk-free and investment values can fall. Risk questionnaires help map a portfolio — they are not personalised regulated financial advice.

Market snapshot

Robo advisor statistics

Generated from the verified provider set on this page.

Providers reviewed

9 currently shown

Lowest managed fee

0.52%

Platform/management charge — fund costs may be extra

Lowest minimum

£50

From verified provider data

ISA / SIPP

9/9 · 8/9

ISA count · SIPP count

9 Robo advisors

Sort by

Vanguard

Managed investment / robo advisor

May suit · Low-cost managed index portfolios

Risk-matched managed index-fund portfolios. Managed by Vanguard investment experts

Managed fee

Managed ISA roughly 0.52% using 0.15% account + 0.20% management + 0.17% average fund cost

Minimum

£500 lump sum for Managed ISA

Portfolios

5 risk profiles: Very cautious, Cautious, Moderate, Adventurous, Very adventurous

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Vanguard

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

NatWest Invest

Managed investment / robo advisor

May suit · Existing bank customers

Ready-made funds managed by Coutts; optional online advice. Managed by Coutts investment experts

Managed fee

0.55% p.a. total stated by NatWest Invest

Minimum

£50 for Stocks & Shares ISA

Portfolios

5 Personal Portfolio Funds / risk levels

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit NatWest Invest

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

J.P. Morgan Personal Investing

Managed investment / robo advisor

May suit · Optional human advice

Discretionary managed + fixed allocation. Managed by J.P. Morgan Personal Investing investment team

Managed fee

Approx. 0.65% Fixed Allocation / 0.97% Fully Managed below £100k using current average fund/spread figures

Minimum

£500 ISA/GIA/Personal Pension; £100 JISA/LISA

Portfolios

Multiple styles: Fully Managed, Fixed Allocation, SRI, Smart Alpha, Thematic, Income; risk levels vary by style

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit J.P. Morgan Personal Investing

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Managed investment / robo advisor

May suit · Hands-off managed investing

Fully managed ETF portfolios. Managed by IG, using BlackRock asset-allocation insights

Managed fee

Approx. 0.72% on first £50k; incremental cost above £50k approx. 0.22% because management fee is capped

Minimum

£500

Portfolios

5 risk profiles / managed portfolios

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit IG

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Wealthify

Managed investment / robo advisor

May suit · Hands-off managed investing

Fully managed portfolios. Managed by Wealthify investment team

Managed fee

Approx. 0.74% Original / 1.06% Ethical before any product-specific differences

Minimum

ISA/JISA £1,000; GIA/SIPP £5,000

Portfolios

5 risk levels from Cautious to Adventurous; Original and Ethical plan styles

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Wealthify

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Moneyfarm

Managed investment / robo advisor

May suit · Optional human advice

Managed portfolios + optional human investment support. Managed by Moneyfarm Asset Allocation team

Managed fee

Active up to £50k: up to about 0.91% including platform, management, average fund cost and spread

Minimum

£500

Portfolios

7 diversified risk portfolios; Classic/ESG and multiple management styles including Active, Fixed Allocation and Smart Yield

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Moneyfarm

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

interactive investor

Managed investment / robo advisor

May suit · Flat-fee managed portfolios

Expert-managed fund portfolios on flat-fee platform. Managed by Aberdeen experts advise/manage portfolio construction for ii

Managed fee

Depends on balance because platform fee is flat; e.g. Core annual fee £71.88 plus portfolio charge

Minimum

Managed ISA: £250 lump sum; pension route subject to SIPP funding rules

Portfolios

10 portfolios: 2 styles (Index and Sustainable) × 5 risk levels

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit interactive investor

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

eToro

Managed investment / robo advisor

May suit · Managed ISA via eToro

Moneyfarm-managed ISA accessed through eToro. Managed by Moneyfarm Asset Allocation team

Managed fee

Variable by balance and Moneyfarm management style; do not hard-code one headline total without current tier data

Minimum

Not clearly stated on current Managed ISA page used

Portfolios

7 diversified multi-asset portfolios

ISA / SIPP

Yes / No

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit eToro

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Bestinvest

Managed investment / robo advisor

May suit · Ready-made risk-rated portfolios

Risk-rated professionally managed portfolios. Managed by Evelyn Partners investment teams

Managed fee

Not one universal total; account service fee plus underlying portfolio costs

Minimum

General platform can start from £50/month; exact ready-made lump-sum minimum not separately verified

Portfolios

4 portfolio ranges (Expert, Direct, Smart, Horizon), each with risk-rated options

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Bestinvest

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Capital at risk. Fees and portfolio features can change. Past performance is not a reliable guide to future returns. This is not personal advice. Always confirm current terms on the provider’s website. *Simple total fee figures are only shown where the workbook marks the fee as fairly sortable.

Side by side

Compare robo advisors

Quick scan of key verified fields — open a card for full detail.

Comparison of UK robo advisors by fee, minimum, style and wrappers
Provider	Managed fee	Minimum investment	Portfolio style	ISA	SIPP	Auto rebalancing	Human support
J.P. Morgan Personal Investing	Approx. 0.65% Fixed Allocation / 0.97% Fully Managed below £100k using current average fund/spread figures	£500 ISA/GIA/Personal Pension; £100 JISA/LISA	Passive / index · Active · ESG	Yes	Yes	Yes	Regulated advice available
Wealthify	Approx. 0.74% Original / 1.06% Ethical before any product-specific differences	ISA/JISA £1,000; GIA/SIPP £5,000	Active · ESG	Yes	Yes	Yes	Human oversight / guidance
Moneyfarm	Active up to £50k: up to about 0.91% including platform, management, average fund cost and spread	£500	Passive / index · Active · ESG	Yes	Yes	Yes	Regulated advice available
IG	Approx. 0.72% on first £50k; incremental cost above £50k approx. 0.22% because management fee is capped	£500	Passive / index · Active	Yes	Yes	Yes	Human oversight / guidance
interactive investor	Depends on balance because platform fee is flat; e.g. Core annual fee £71.88 plus portfolio charge	Managed ISA: £250 lump sum; pension route subject to SIPP funding rules	Passive / index · Active · ESG	Yes	Yes	Yes	Human oversight / guidance
Vanguard	Managed ISA roughly 0.52% using 0.15% account + 0.20% management + 0.17% average fund cost	£500 lump sum for Managed ISA	Passive / index · Active	Yes	Yes	Yes	Human oversight / guidance
NatWest Invest	0.55% p.a. total stated by NatWest Invest	£50 for Stocks & Shares ISA	Active	Yes	Yes	Yes	Regulated advice available
eToro	Variable by balance and Moneyfarm management style; do not hard-code one headline total without current tier data	Not clearly stated on current Managed ISA page used	Passive / index · Active · ESG	Yes	No	Yes	Regulated advice available
Bestinvest	Not one universal total; account service fee plus underlying portfolio costs	General platform can start from £50/month; exact ready-made lump-sum minimum not separately verified	Passive / index · Active · ESG	Yes	Yes	Yes	Human oversight / guidance

Our methodology

How we compare robo advisors

We compare published managed fees, fund-cost context, minimums, portfolio style, wrappers, rebalancing, support and FCA status — not past performance as a suitability guarantee.

Managed / platform fee and underlying fund costs
Minimum investment
Portfolio construction and investment style
Automatic rebalancing
ISA and SIPP availability
Human guidance vs regulated advice (kept distinct)
FCA authorisation and official disclosures

Commercial relationships do not determine factual provider information or our editorial guidance.

Last reviewed: 12 September 2026

Provider fees checked: 12 September 2026

Portfolio information checked: 12 September 2026

Regulatory status checked: 12 September 2026

Comparison Methodology

Is it right for you?

Who may a robo advisor suit?

General guidance only — not a personal recommendation.

May be worth considering if

You want hands-off investing
You prefer ready-made portfolios
You want automatic rebalancing
You are investing for the long term
You want to invest regularly
You do not want to choose individual investments

May not suit you if

You want to pick individual shares
You actively trade
You want full control over asset allocation
You require complex tax planning
You need personalised regulated advice not offered by the provider

Compare approaches

Robo advisor or DIY investing?

Robo advisor versus DIY investing
Feature	Robo advisor	DIY investing
Portfolio selection	Usually ready-made / managed	You choose investments
Control & time	Lower day-to-day involvement	Higher involvement
Automatic rebalancing	Often included	Usually self-managed
Fees	Managed fee + fund costs	Platform / dealing + fund costs
Investment choice	Usually limited to model portfolios	Usually wider

Neither approach is universally better. It depends on how much control, time and support you want.

Investment Platforms

Fees & charges

Understanding robo advisor costs

Compare managed fee plus underlying fund costs — not one headline figure alone.

Managed / platform fee
Charge for managing and administering the service.
Underlying fund costs
ETFs and funds used within portfolios may have their own ongoing charges.
Trading costs
Portfolio trading can create transaction costs.
FX costs
May apply where investments or transactions involve foreign currencies.
Transfer / exit costs
Some providers may charge for certain transfers or account closures.

Portfolio construction

How robo-advisor portfolios are built

Step 1
Risk questionnaire
Goals, timeframe and attitude to risk.
Step 2
Goal / time horizon
How long the money may stay invested.
Step 3
Asset allocation
Mix of shares, bonds and other assets.
Step 4
Funds / ETFs selected
Building blocks for the portfolio.
Step 5
Automatic rebalancing
Keeping the mix near target over time.
Step 6
Ongoing monitoring
Provider oversight of the strategy.

Providers use different models and assumptions, so similar risk labels do not necessarily mean identical portfolios.

Investment style

Passive or active robo investing?

Neither style is universally superior.

Passive

Usually uses index funds / ETFs
Aims to track markets
Often lower cost
Still exposed to market falls

Active

Investment decisions made by managers or models
May deviate from benchmarks
Often higher cost
May outperform or underperform

Account types

Which account wrapper might you use?

The appropriate wrapper depends on your goals and circumstances.

Stocks & Shares ISA

Tax-efficient investing subject to current ISA rules.

Explore

SIPP

Long-term retirement investing subject to pension access and tax rules.

Explore

General Investment Account

Flexible taxable investment account with no ISA or pension wrapper.

Important information

Risks to understand

Capital is at risk — portfolio values can fall
Returns are not guaranteed
Past performance does not predict future returns
Diversification cannot prevent all losses
Charges reduce returns over time
Risk questionnaires are estimates, not guarantees of suitability or personalised advice
In a falling market, providers usually keep the chosen risk strategy — losses can still occur

Protection

How robo-advisor protection works

FCA authorisation

Check the exact provider and activity on the FCA Register.

FSCS

FSCS may apply in certain firm-failure circumstances. It does not protect against normal market losses.

Client assets

Regulated firms are generally subject to rules intended to safeguard eligible client money and custody assets.

FAQs

Common questions about robo advisors

Educational answers — not personalised investment or tax advice. Capital at risk.

How we review robo advisors

UK-focused editorial research
Provider fees checked against official sources
Portfolio information checked against official provider documentation
FCA status checked where relevant
Historical performance not used as a guarantee of suitability
Content reviewed regularly
Commercial relationships do not determine factual guidance

Last reviewed: 12 September 2026

Provider fees last checked: 12 September 2026

Portfolio data last checked: 12 September 2026

Regulatory status last checked: 12 September 2026

Sources and further information

Reference links only — these organisations do not endorse WiT Money. Confirm fees and portfolio details on each provider’s official pages.

Found an outdated fee, portfolio feature or provider detail? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.

Continue exploring

Investment PlatformsView Stocks & Shares ISAsView SIPPsView Funds & ETFsView Savings AccountsView Investment CalculatorView Investing GuidesView

Continue with a related page

Links are chosen from this category’s registry — not a generic keyword dump.

Invest

Robo Advisors

Capital at risk

Investments can fall as well as rise.

Fee-first research

Compare managed fees and fund costs before choosing.

Researched by WiT Money

Compare providers and investment approaches side by side.

Robo investing

What is a robo advisor?

A robo advisor is an online investment service that typically asks about your goals, timeframe and attitude to risk, then recommends or manages a diversified portfolio on your behalf.

Risk profile

Answer questions about goals, timeframe and risk.

Portfolio

Receive a managed investment portfolio.

Automation

Contributions and rebalancing may be automated.

Ongoing management

The provider manages the portfolio over time.

Robo advisors are not risk-free and investment values can fall. Risk questionnaires help map a portfolio — they are not personalised regulated financial advice.

Market snapshot

Robo advisor statistics

Generated from the verified provider set on this page.

Providers reviewed

9 currently shown

Lowest managed fee

0.52%

Platform/management charge — fund costs may be extra

Lowest minimum

£50

From verified provider data

ISA / SIPP

9/9 · 8/9

ISA count · SIPP count

9 Robo advisors

Sort by

Vanguard

Managed investment / robo advisor

May suit · Low-cost managed index portfolios

Risk-matched managed index-fund portfolios. Managed by Vanguard investment experts

Managed fee

Managed ISA roughly 0.52% using 0.15% account + 0.20% management + 0.17% average fund cost

Minimum

£500 lump sum for Managed ISA

Portfolios

5 risk profiles: Very cautious, Cautious, Moderate, Adventurous, Very adventurous

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Vanguard

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

NatWest Invest

Managed investment / robo advisor

May suit · Existing bank customers

Ready-made funds managed by Coutts; optional online advice. Managed by Coutts investment experts

Managed fee

0.55% p.a. total stated by NatWest Invest

Minimum

£50 for Stocks & Shares ISA

Portfolios

5 Personal Portfolio Funds / risk levels

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit NatWest Invest

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

J.P. Morgan Personal Investing

Managed investment / robo advisor

May suit · Optional human advice

Discretionary managed + fixed allocation. Managed by J.P. Morgan Personal Investing investment team

Managed fee

Approx. 0.65% Fixed Allocation / 0.97% Fully Managed below £100k using current average fund/spread figures

Minimum

£500 ISA/GIA/Personal Pension; £100 JISA/LISA

Portfolios

Multiple styles: Fully Managed, Fixed Allocation, SRI, Smart Alpha, Thematic, Income; risk levels vary by style

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit J.P. Morgan Personal Investing

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Managed investment / robo advisor

May suit · Hands-off managed investing

Fully managed ETF portfolios. Managed by IG, using BlackRock asset-allocation insights

Managed fee

Approx. 0.72% on first £50k; incremental cost above £50k approx. 0.22% because management fee is capped

Minimum

£500

Portfolios

5 risk profiles / managed portfolios

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit IG

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Wealthify

Managed investment / robo advisor

May suit · Hands-off managed investing

Fully managed portfolios. Managed by Wealthify investment team

Managed fee

Approx. 0.74% Original / 1.06% Ethical before any product-specific differences

Minimum

ISA/JISA £1,000; GIA/SIPP £5,000

Portfolios

5 risk levels from Cautious to Adventurous; Original and Ethical plan styles

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Wealthify

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Moneyfarm

Managed investment / robo advisor

May suit · Optional human advice

Managed portfolios + optional human investment support. Managed by Moneyfarm Asset Allocation team

Managed fee

Active up to £50k: up to about 0.91% including platform, management, average fund cost and spread

Minimum

£500

Portfolios

7 diversified risk portfolios; Classic/ESG and multiple management styles including Active, Fixed Allocation and Smart Yield

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Moneyfarm

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

interactive investor

Managed investment / robo advisor

May suit · Flat-fee managed portfolios

Expert-managed fund portfolios on flat-fee platform. Managed by Aberdeen experts advise/manage portfolio construction for ii

Managed fee

Depends on balance because platform fee is flat; e.g. Core annual fee £71.88 plus portfolio charge

Minimum

Managed ISA: £250 lump sum; pension route subject to SIPP funding rules

Portfolios

10 portfolios: 2 styles (Index and Sustainable) × 5 risk levels

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit interactive investor

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

eToro

Managed investment / robo advisor

May suit · Managed ISA via eToro

Moneyfarm-managed ISA accessed through eToro. Managed by Moneyfarm Asset Allocation team

Managed fee

Variable by balance and Moneyfarm management style; do not hard-code one headline total without current tier data

Minimum

Not clearly stated on current Managed ISA page used

Portfolios

7 diversified multi-asset portfolios

ISA / SIPP

Yes / No

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit eToro

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Bestinvest

Managed investment / robo advisor

May suit · Ready-made risk-rated portfolios

Risk-rated professionally managed portfolios. Managed by Evelyn Partners investment teams

Managed fee

Not one universal total; account service fee plus underlying portfolio costs

Minimum

General platform can start from £50/month; exact ready-made lump-sum minimum not separately verified

Portfolios

4 portfolio ranges (Expert, Direct, Smart, Horizon), each with risk-rated options

ISA / SIPP

Yes / Yes

Managed fee is the platform/management charge — underlying fund costs may be extra.

Visit Bestinvest

You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.

Capital at risk. Fees may apply.

Side by side

Compare robo advisors

Quick scan of key verified fields — open a card for full detail.

Comparison of UK robo advisors by fee, minimum, style and wrappers
Provider	Managed fee	Minimum investment	Portfolio style	ISA	SIPP	Auto rebalancing	Human support
J.P. Morgan Personal Investing	Approx. 0.65% Fixed Allocation / 0.97% Fully Managed below £100k using current average fund/spread figures	£500 ISA/GIA/Personal Pension; £100 JISA/LISA	Passive / index · Active · ESG	Yes	Yes	Yes	Regulated advice available
Wealthify	Approx. 0.74% Original / 1.06% Ethical before any product-specific differences	ISA/JISA £1,000; GIA/SIPP £5,000	Active · ESG	Yes	Yes	Yes	Human oversight / guidance
Moneyfarm	Active up to £50k: up to about 0.91% including platform, management, average fund cost and spread	£500	Passive / index · Active · ESG	Yes	Yes	Yes	Regulated advice available
IG	Approx. 0.72% on first £50k; incremental cost above £50k approx. 0.22% because management fee is capped	£500	Passive / index · Active	Yes	Yes	Yes	Human oversight / guidance
interactive investor	Depends on balance because platform fee is flat; e.g. Core annual fee £71.88 plus portfolio charge	Managed ISA: £250 lump sum; pension route subject to SIPP funding rules	Passive / index · Active · ESG	Yes	Yes	Yes	Human oversight / guidance
Vanguard	Managed ISA roughly 0.52% using 0.15% account + 0.20% management + 0.17% average fund cost	£500 lump sum for Managed ISA	Passive / index · Active	Yes	Yes	Yes	Human oversight / guidance
NatWest Invest	0.55% p.a. total stated by NatWest Invest	£50 for Stocks & Shares ISA	Active	Yes	Yes	Yes	Regulated advice available
eToro	Variable by balance and Moneyfarm management style; do not hard-code one headline total without current tier data	Not clearly stated on current Managed ISA page used	Passive / index · Active · ESG	Yes	No	Yes	Regulated advice available
Bestinvest	Not one universal total; account service fee plus underlying portfolio costs	General platform can start from £50/month; exact ready-made lump-sum minimum not separately verified	Passive / index · Active · ESG	Yes	Yes	Yes	Human oversight / guidance

Our methodology

How we compare robo advisors

We compare published managed fees, fund-cost context, minimums, portfolio style, wrappers, rebalancing, support and FCA status — not past performance as a suitability guarantee.

Managed / platform fee and underlying fund costs
Minimum investment
Portfolio construction and investment style
Automatic rebalancing
ISA and SIPP availability
Human guidance vs regulated advice (kept distinct)
FCA authorisation and official disclosures

Commercial relationships do not determine factual provider information or our editorial guidance.

Last reviewed: 12 September 2026

Provider fees checked: 12 September 2026

Portfolio information checked: 12 September 2026

Regulatory status checked: 12 September 2026

Comparison Methodology

Is it right for you?

Who may a robo advisor suit?

General guidance only — not a personal recommendation.

May be worth considering if

You want hands-off investing
You prefer ready-made portfolios
You want automatic rebalancing
You are investing for the long term
You want to invest regularly
You do not want to choose individual investments

May not suit you if

You want to pick individual shares
You actively trade
You want full control over asset allocation
You require complex tax planning
You need personalised regulated advice not offered by the provider

Compare approaches

Robo advisor or DIY investing?

Robo advisor versus DIY investing
Feature	Robo advisor	DIY investing
Portfolio selection	Usually ready-made / managed	You choose investments
Control & time	Lower day-to-day involvement	Higher involvement
Automatic rebalancing	Often included	Usually self-managed
Fees	Managed fee + fund costs	Platform / dealing + fund costs
Investment choice	Usually limited to model portfolios	Usually wider

Neither approach is universally better. It depends on how much control, time and support you want.

Investment Platforms

Fees & charges

Understanding robo advisor costs

Compare managed fee plus underlying fund costs — not one headline figure alone.

Managed / platform fee
Charge for managing and administering the service.
Underlying fund costs
ETFs and funds used within portfolios may have their own ongoing charges.
Trading costs
Portfolio trading can create transaction costs.
FX costs
May apply where investments or transactions involve foreign currencies.
Transfer / exit costs
Some providers may charge for certain transfers or account closures.

Portfolio construction

How robo-advisor portfolios are built

Step 1
Risk questionnaire
Goals, timeframe and attitude to risk.
Step 2
Goal / time horizon
How long the money may stay invested.
Step 3
Asset allocation
Mix of shares, bonds and other assets.
Step 4
Funds / ETFs selected
Building blocks for the portfolio.
Step 5
Automatic rebalancing
Keeping the mix near target over time.
Step 6
Ongoing monitoring
Provider oversight of the strategy.

Providers use different models and assumptions, so similar risk labels do not necessarily mean identical portfolios.

Investment style

Passive or active robo investing?

Neither style is universally superior.

Passive

Usually uses index funds / ETFs
Aims to track markets
Often lower cost
Still exposed to market falls

Active

Investment decisions made by managers or models
May deviate from benchmarks
Often higher cost
May outperform or underperform

Account types

Which account wrapper might you use?

The appropriate wrapper depends on your goals and circumstances.

Stocks & Shares ISA

Tax-efficient investing subject to current ISA rules.

Explore

SIPP

Long-term retirement investing subject to pension access and tax rules.

Explore

General Investment Account

Flexible taxable investment account with no ISA or pension wrapper.

Important information

Risks to understand

Capital is at risk — portfolio values can fall
Returns are not guaranteed
Past performance does not predict future returns
Diversification cannot prevent all losses
Charges reduce returns over time
Risk questionnaires are estimates, not guarantees of suitability or personalised advice
In a falling market, providers usually keep the chosen risk strategy — losses can still occur

Protection

How robo-advisor protection works

FCA authorisation

Check the exact provider and activity on the FCA Register.

FSCS

FSCS may apply in certain firm-failure circumstances. It does not protect against normal market losses.

Client assets

Regulated firms are generally subject to rules intended to safeguard eligible client money and custody assets.

FAQs

Common questions about robo advisors

Educational answers — not personalised investment or tax advice. Capital at risk.

How we review robo advisors

UK-focused editorial research
Provider fees checked against official sources
Portfolio information checked against official provider documentation
FCA status checked where relevant
Historical performance not used as a guarantee of suitability
Content reviewed regularly
Commercial relationships do not determine factual guidance

Last reviewed: 12 September 2026

Provider fees last checked: 12 September 2026

Portfolio data last checked: 12 September 2026

Regulatory status last checked: 12 September 2026

Sources and further information

Reference links only — these organisations do not endorse WiT Money. Confirm fees and portfolio details on each provider’s official pages.

Found an outdated fee, portfolio feature or provider detail? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.

Continue exploring

Investment PlatformsView Stocks & Shares ISAsView SIPPsView Funds & ETFsView Savings AccountsView Investment CalculatorView Investing GuidesView

Continue with a related page

Links are chosen from this category’s registry — not a generic keyword dump.

Robo Advisors

What is a robo advisor?

Risk profile

Portfolio

Automation

Ongoing management

Robo advisor statistics

9 Robo advisors

Compare robo advisors

How we compare robo advisors

Who may a robo advisor suit?

May be worth considering if

May not suit you if

Robo advisor or DIY investing?

Understanding robo advisor costs

Managed / platform fee

Underlying fund costs

Trading costs

FX costs

Transfer / exit costs

How robo-advisor portfolios are built

Risk questionnaire

Goal / time horizon

Asset allocation

Funds / ETFs selected

Automatic rebalancing

Ongoing monitoring

Passive or active robo investing?

Passive

Active

Which account wrapper might you use?

Stocks & Shares ISA

SIPP

General Investment Account

Risks to understand

How robo-advisor protection works

FCA authorisation

FSCS

Client assets

Common questions about robo advisors

What is a robo advisor?

Can I lose money with a robo advisor?

What fees do robo advisors charge?

Do robo advisors beat the market?

How do risk questionnaires work?

Do robo advisors offer human advice?

Can I use an ISA or SIPP?

Are robo advisors protected by FSCS?

Robo investing or DIY?

How we review robo advisors

Sources and further information

Continue exploring

Continue with a related page

Robo Advisors

What is a robo advisor?

Risk profile

Portfolio

Automation

Ongoing management

Robo advisor statistics

9 Robo advisors

Compare robo advisors

How we compare robo advisors

Who may a robo advisor suit?

May be worth considering if

May not suit you if

Robo advisor or DIY investing?

Understanding robo advisor costs

Managed / platform fee

Underlying fund costs

Trading costs

FX costs

Transfer / exit costs

How robo-advisor portfolios are built

Risk questionnaire

Goal / time horizon

Asset allocation

Funds / ETFs selected

Automatic rebalancing

Ongoing monitoring