Robinhood Strategies Review 2026: Is It Worth It?
- Stock trade fee
- $0
- Minimum deposit
- $50
Our verdict
Hands-off investing with active human oversight — at robo-advisor pricing.
Robinhood Strategies is Robinhood’s managed investment service that blends algorithm-driven portfolio construction with ongoing human oversight. Unlike fully automated robo-advisors, portfolios are actively adjusted by an in-house investment team as market conditions change — without charging the higher fees typical of traditional wealth management.
The service charges a 0.25% annual management fee and requires a $50 minimum to get started. Portfolios may include individual stocks at balances of $500 or more, though you won’t have direct access to a financial advisor.
Pros
-
Active portfolio management with human oversight
-
Explanations for portfolio changes and market decisions
-
Portfolios can include stocks, not just ETFs
-
Tax-advantaged strategies and loss harvesting
-
Robinhood Gold members only pay management fees on the first $100,000 of assets
-
Taxable and tax-advantaged account options
Cons
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No human advisor access
-
$500 to unlock a mix of ETFs and individual stocks
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No IRA match on managed IRAs
Robinhood Strategies at a glance
| Feature | Rating | Details |
|---|---|---|
| Costs and fees | ★★★★★ | 0.25% annual management fee |
| Account minimums | ★★★★★ | $50 minimum investment |
| Account types | ★★★★★ | Supports taxable and traditional & Roth IRAs only |
| Portfolio mix | ★★★★★ | Portfolios tailored to user goals, with diverse market exposure |
| Customer support | ★★★★★ | Offers 24/7 support |
| Mobile app ratings and security | ★★★★★ | Google Play app reviews: 4.2/5 based on over 523,215 reviews, as of January 2026 Apple App Store app reviews: 4.3/5 based on over 4.7 million reviews, as of January 2026 |
| Features and amenities | ★★★★★ | Access to individual stock trading, automatic tax-loss harvesting, educational resources and dividend reinvestment by advisor team. |
| Cash management account | ★★★★★ | Offers an APY of 3.25% on uninvested cash for Robinhood Gold subscribers |
To learn how our star ratings are calculated, read our methodology.
Is Robinhood Strategies worth it?
It depends — here’s who it makes sense for, and who may want to look elsewhere.
Good fit if you:
- Want active portfolio management without paying traditional wealth management fees
- Already use Robinhood and prefer an all-in-one investing app
- Are comfortable with indirect human oversight rather than a dedicated advisor
- Have at least $500 invested to unlock portfolios that may include individual stocks
Not a good fit if you:
- Want direct access to a human financial advisor
- Are primarily investing for IRA contribution matches
- Prefer fully automated, rules-based robo-advisors
- Want extensive portfolio customization at lower balances
What we like about Robinhood Strategies
Robinhood Strategies stands out in several areas compared to traditional robo-advisors.
Active portfolio management with human oversight
Unlike fully automated robo-advisors that rely on preset allocation rules, Robinhood Strategies is actively managed by an in-house investment team. Portfolios are adjusted as market conditions change, with the goal of keeping investments aligned with long-term objectives while managing risk during periods of volatility — without charging the higher fees associated with traditional advisory services.
Explanations for portfolio changes
Robinhood provides insights into why portfolio adjustments are made, including changes to asset allocations and individual holdings. While you can’t speak directly with an advisor, this added transparency helps investors understand how their portfolios are being managed.
Portfolios may include individual stocks
Once your account reaches $500, portfolios may include individual stocks alongside exchange-traded funds (ETF)s. Investors can also exclude specific stocks, allowing for some customization without requiring hands-on management.
Tax-efficient investing strategies
Robinhood Strategies incorporates tax-advantaged strategies such as tax-loss harvesting in taxable accounts and supports individual taxable, traditional IRA and Roth IRA accounts.
Lower fees for Gold members
Robinhood Gold members only pay management fees on the first $100,000 of assets. Any balance above that threshold is managed with a 0% advisory fee.
Robinhood Gold
- Earn up to 3.25% APY on uninvested cash (subscription fees apply).
- Get up to a 3% match on all new IRA contributions.
- Access professional research from top-tier research provider, Morningstar.
Familiar, easy-to-use platform
The experience is fully integrated into Robinhood’s mobile app, making it easy for existing users to transition from self-directed investing to managed portfolios.
Where Robinhood Strategies falls short
Despite its strengths, Robinhood Strategies has several limitations to consider.
No direct advisor access
Although portfolios are managed by professionals, investors can’t communicate with an advisor directly. This may be a drawback for those who want personalized financial planning, reassurance during market downturns or one-on-one guidance.
Limited flexibility at lower balances
Individual stocks are only introduced once your portfolio reaches $500. Investors with smaller balances will be limited to ETF-only portfolios.
No IRA contribution matches
Unlike Robinhood’s self-directed IRAs, managed IRAs are not eligible for contribution matches. Investors focused on maximizing retirement incentives may prefer Robinhood’s self-directed option instead.
Robinhood Strategies’ fees
| Type of fee | Fee details |
|---|---|
| Minimum investment | $50 |
| Annual management fee | 0.25%; Gold members only pay management fees on the first $100,000 of assets |
| Stock & ETF trades | $0 |
| ETF expense ratios | Vary by fund |
| Outgoing account transfer | $100 |
| Robinhood Gold | $5/month or $50/year |
- $1,000 invested → about $2.50 per year
- $10,000 invested → about $25 per year
- $100,000 invested → about $250 per year (Gold)
Is Robinhood Strategies legit?
Yes. Robinhood Strategies is an SEC-registered investment advisor and an affiliated company of Robinhood Financial. Both are wholly owned subsidiaries of Robinhood Markets, Inc.
Uninvested cash enrolled in Robinhood’s cash sweep program is FDIC-insured for up to $2 million through partner banks.
Customer experience
Robinhood’s platform receives mixed feedback across major review sites.
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.11 out of 5 stars, based on 230 customer reviews |
| Trustpilot score | 1.3 out of 5 stars, based on 4,204 customer reviews |
| Apple App Store Score | 4.3 out of 5 stars, based on 4,700,000 customer reviews |
| Google Play Score | 4.2 out of 5 stars, based on 523,218 customer reviews |
| Customer reviews verified as of | 23 January 2026 |
Positive reviews often highlight the app’s ease of use, commission-free trading and accessibility for new investors. Negative feedback commonly points to customer support challenges, platform outages during periods of high volatility and concerns around payment for order flow.
Because Robinhood Strategies launched in 2025, feedback specific to the managed service remains limited.
Compare Robinhood Strategies to other platforms
Compare similar platforms by available asset types, trade fees and minimum deposit requirements. Select Go to site to sign up for an account.
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Bottom line
Robinhood Strategies is a compelling option for investors who want hands-off investing with professional oversight at a low cost — particularly those already using Robinhood. It’s less suitable for investors who want direct advisor access, extensive customization or IRA contribution matches.
Frequently asked questions
Your reviews
Matt Finder
Investments editor and market analyst
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