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We would note that your portfolio will include around a dozen ETFs, some of which may charge high fees. Betterment offers alternative portfolios to choose from, too, including one focused on environmental, social and governance ESG factors. The platform provides automatic tax-loss harvesting as well as a tax-coordinated portfolio option that structures your stock and bond allocation to optimize your tax treatment.
If you prefer the lower 0. All ratings are determined solely by our editorial team. Participants have access to unlimited advice and planning calls and can choose from a menu of coaching solutions focused on different topics, including retirement planning, budgeting, and debt management.
Advisory Fee for Family Plan: 0. Acorns is a competent offering geared toward beginning investors. With no investment minimum and a straightforward investment approach, Acorns is accessible to a wide range of investors. The service has features that help investors round up spending on everyday purchases to build an investment balance. Acorn users can also get rebates on certain online purchases through its Acorns Earn. The program has more than participating companies, from Nike to Walmart.
It offers automatic rebalancing but no tax-loss harvesting. An affiliated website Acorns Grow includes a few financial calculators, but the service is light on planning-related features. Advisory Fee for Premium Customers: Between 0. Ally Invest is a solid and improving service that is especially attractive to the people who already bank with its owner, Ally Financial. A premium offering is set to launch in But Ally has a few weaknesses to address.
Marcus Invest offers clients a satisfactory suite of diversified target risk portfolios, but it lacks features like financial planning advice and tax-loss harvesting that come with top robo-advisors, leaving users with a straightforward target-risk portfolio and only educational materials to consult. Each style has the same asset-class allocations but differs in the ETFs chosen to populate the portfolios. Investors are in effect paying for the initial allocation to Goldman-designed portfolios but get little otherwise.
SoFi Wealth includes taxable or tax-advantaged fixed-income allocations that can be blended with an equity allocation according to five standard risk tiers. The service, however, seems as much designed for monetization through cross-selling as for serving investment needs. SoFi clients can access financial advisors by phone, virtual meetings, and electronic messages at no extra charge.
SoFi provides a broad range of advice, including advice on goals, saving, investing, budgeting, debt repayment, home buying, and insurance. Wells Fargo Intuitive Investor is not compelling. It has uncompetitive fees, limited disclosure on underlying portfolio holdings, and an average breadth of services. Wells Fargo uses the proprietary portfolio management algorithm from SigFig for ongoing monitoring, rebalancing, and tax-loss harvesting.
Portfolio allocations look reasonable, with minimal cash allocations and adequate exposure to major asset classes. Merrill Edge Guided Investing offers a limited feature set, and there are cheaper and better options elsewhere. Portfolio construction appears fairly standard, but there are a few sticking points.
The firm offers five levels of risk tolerance, with tax-aware and tax-free options as well as an ESG suite for each of these risk levels. Merrill Edge tilts its portfolios—composed almost exclusively of low-cost ETFs—toward certain asset classes, such as value stocks, and away from others based on firmwide capital market assumptions. These active asset-class decisions add uncertainty as they could help or hurt in any given year.
Service breadth is also an issue. E-Trade Core Portfolios meets industry standards in some respects, but it lacks transparency. Those could add another 5 to 25 basis points of fees, depending on whether investors choose a standard, sustainable, or smart-beta portfolio.
Insight into portfolio construction could be better. The service offers both retirement-focused portfolios and tax-sensitive portfolios that invest in municipal-bond ETFs. Its breadth of services is lacking. Investors can only invest toward a single goal, and there is no tax-loss harvesting feature or tax location guidance.
Investors also do not have access to advisors or benefit from account aggregation. Proactive client communication seems to be limited to monthly email updates, though clients do have access to other E-Trade communications and educational materials. Morgan Stanley Access Investing is a complicated service with an uncertain future. At first glance, the service looks reasonable enough. The investment advisory fee is in line with its typical rival, but the firm tarnishes its offering by providing access to high-cost mutual funds without waiving their underlying fees.
The firm provides three different types: Market Tracking portfolios, made up of low-cost, passively managed ETFs; Impact, composed of slightly more expensive ESG-branded ETFs and funds; and Performance Seeking, consisting of a mix of active and passive funds across sectors.
Investors who opt for the Impact and Performance Seeking portfolios can choose niche funds focusing on certain themes, such as data, artificial intelligence, and clean water. Such funds have been in vogue lately but have questionable utility for long-term investors.
Morgan Stanley purchased E-Trade in February , and it has its own suite of brokerage and robo-advisor services. Hefty costs, steep account minimums, and poor transparency are significant negatives for UBS Advice Advantage. Those fees are in addition to expense ratios for the underlying funds used in the service, which are difficult to determine because UBS does not disclose which funds are used in the portfolios.
In addition, high account minimums make this service less accessible to entry-level investors. Investors can choose from five different portfolio risk levels based on a standard risk-tolerance questionnaire. Unfortunately, UBS does not publicly disclose which asset classes and underlying funds are used in the service. On the positive side, UBS Advice Advantage includes access to financial advisors as well as portfolio diagnostics that incorporate outside holdings.
However, it serves partly as a funnel for higher-cost advisory services. It is not a holistic financial planner, nor does it intend to be. It does not provide tax advice, nor does it typically manage its portfolios with regard for tax consequences, which means rebalancing portfolio allocations among its volatile equity and crypto strategies can result in big tax bills for clients investing in taxable accounts.
It offers little more than aggressive, concentrated portfolios, which tend to be difficult to use well. To the extent Titan proffers advice, it is in using client information to place them in aggressive, moderate, or conservative stock portfolios, distinguished only by the percentage of assets each hedges. It is not clear how Titan differentiates a hedge-worthy downturn from normal volatility or avoids selling at a low to increase the hedge when it should be buying.
The notorious challenge of market-timing—an approach that often fails—only raises further questions. Capital One acquired United Income, a robo-advisor designed for retirees and those approaching retirement, in The platform also offers services like retirement income advice and tax-loss harvesting. Morningstar did not assess Capital One Investing because Morningstar was previously a minority owner of United Income. The platform also offers educational materials on a range of investing and career topics.
Its basic offering, Ellevest Essential, gives users an individual taxable account. Ellevest also offers two other service tiers that have additional features, including retirement accounts and planning. Ellevest portfolios are made up of a mix of mostly low-cost ETFs that cover 16 asset classes. Its portfolios are composed of J. Morgan ETFs that cover eight asset classes. Despite charging account management fees on the higher end of the robo-advisor spectrum, J.
Morningstar did not assess J. Morgan Automated Investing because the majority of the funds in which it invests track Morningstar indexes. How We Analyzed Robo-Advisors Our report on the digital advice landscape was designed to provide useful information to consumers before they sign up for a robo-advisor.
Morningstar weighted each category score and then summed it to arrive at an overall score, which was then used to rank the robo-advisors. Get the Report For more information on the methodology, download the full report. About the Authors Emelia Fredlick is an editor for Morningstar. Margaret Giles is a data journalist for Morningstar.
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