{"id":423185,"date":"2021-10-22T10:00:49","date_gmt":"2021-10-22T09:00:49","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=423185"},"modified":"2025-06-25T14:09:26","modified_gmt":"2025-06-25T13:09:26","slug":"robo-advisors","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-guides\/strategy\/robo-advisors","title":{"rendered":"4 best robo-advisors in the UK for 2025"},"content":{"rendered":"<p>If you\u2019ve been looking for a way to put your savings to work without spending half your waking hours researching stocks and investments, robo-advisors might be your best option. <\/p><p>Robo-advisors are estimated to have roughly $5 trillion to $7 trillion (about \u00a33.8 trillion to \u00a35.3 trillion) in assets under management (AUM) by 2025, and they could help you simplify your investing journey. <\/p><p>We\u2019ve tested and rated all the top UK robo-advisors apps, below are 4 of our top picks:<\/p><h3 id=\"best\">Finder\u2019s best robo-advisor platforms in the UK for 2026<\/h3><ul><li><strong><a href=\"#investengine\">InvestEngine:<\/a><\/strong> Best for low fees<\/li><li><strong><a href=\"#nutmeg\">Nutmeg:<\/a><\/strong> Best for portfolio choice<\/li><li><strong><a href=\"#moneybox\">Moneybox:<\/a><\/strong> Best for simplicity<\/li><li><strong><a href=\"#moneyfarm\">Moneyfarm:<\/a><\/strong> Best for large portfolios<\/li><\/ul><p>Take a look at some of the best robo-advisor platforms available in the UK right now. We\u2019ve provided some basic info to help you compare but you can always check out our full in-depth reviews.<\/p><h3 id=\"investengine\">InvestEngine: Best for low fees<\/h3><div class=\"best-page\" id=\"best-page-e0625dc620e34dbfa5f55d6eabf8dcf8--1543010989\">\n\n\n<style>\n.bestpage_infobox tr { display: flex; flex-direction: column-reverse; padding-bottom: 15px; background-image: url(https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/02\/Finder-SitesLike-BlackBullet-20px.png); background-repeat: no-repeat; padding-left: 30px; background-position-y: 10px } .bestpage_infobox th { border-bottom: 0 none #d5d9dc; width: auto; padding: 0; font-size: .9em; font-weight: 500 } .bestpage_infobox td { border-bottom: 0 none #d5d9dc; font-size: 1.2em; padding: 0; } .luna-accordion__details.in.collapse { overflow: visible; }\n<\/style>\n\n\n\n\n \n\n\n<article class=\"luna-card luna-card--border bestpage_card\">\n  <div class=\"luna-card__block\" style=\"padding: 0; margin: 0;\">\n<div class=\"u-grid\" style=\"margin:0;\">\n  <div class=\"u-grid__col u-3\/4@m u-2\/3@s\" style=\"padding: 1.25rem calc(1.25rem - 1px)\">\n\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/677e7bbb9a874.png\" alt=\"InvestEngine logo\" width=\"184\" height=\"115\" srcset=\"https:\/\/www.finder.com\/niche-builder\/677e7bbb9a874.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/677e7bbb9a874.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/677e7bbb9a874.png?fit=552 552w\" sizes=\"(max-width: 552px) 100vw, 552px\" loading=\"lazy\">\n<\/div>\n\n<div class=\"u-grid__col u-1\/4@s u-1\/6@m text-center has-margin-bottom-xsmall\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/01\/Winner-Investing-Customer-Satisfaction-1-1.png\" alt=\"Award Badge\" width=\"82\" height=\"82\" class=\"size-full wp-image-250469 no-margin\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/01\/Winner-Investing-Customer-Satisfaction-1-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/01\/Winner-Investing-Customer-Satisfaction-1-1.png?fit=246 246w\" sizes=\"(max-width: 246px) 100vw, 246px\" loading=\"lazy\"><\/div>\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<div><strong class=\"text-xx-large\">4.4<\/strong> <span class=\"luna-stars luna-stars__fill--90 luna-stars--primary\" aria-label=\"Rating is 4.4 out of 5\">\u2605\u2605\u2605\u2605\u2605<span><\/span><\/span><\/div>\n<div class=\"has-margin-bottom-xxsmall text-x-small fin-text-grey\">Finder Score <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key features of the account. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/share-dealing-methodology'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\" data-custom-event-active=\"true\"><\/span><\/div>\n<\/div>\n\n\n\n<div class=\"u-grid__col u-1\/1 is-hidden@s is-visible text-center  has-margin-top-small has-margin-bottom-small\">\n<a class=\"luna-button luna-button--success luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/investenginesharetrading-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e0625dc6-20e3-4dbf-a5f5-5d6eabf8dcf8%22%2C%22product_name%22%3A%22InvestEngine%22%2C%22offer_id%22%3A%2219092%22%2C%22decorator%22%3A%22UKFST.PRODUCT.CTA_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486846%2C%22name%22%3A%22ukfst-best-page-hero%22%2C%22country%22%3A%22uk%22%7D%7D\" type=\"button\" target=\"_blank\" rel=\"noopener\">Go to site<\/a>\r\n\r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/1\">\n\nInvestEngine has changed the game when it comes to exchange-traded funds (ETFs) and low-cost managed portfolios. It charges a simple 0.25% annual fee to use its ready-made investing option. <p>There\u2019s no added fee to use a stocks and shares ISA wrapper (to protect your investments from tax) and you can even use InvestEngine\u2019s self-invested personal pension (SIPP) for an extra 0.15% annual fee. <\/p><p>InvestEngine is tough to beat when it comes to value, and UK investors seem happy with its service, winning the 2023 Finder People\u2019s Choice Award and coming tied first for customer service in the 2023 Finder Customer Satisfaction Awards.\n\n<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n<p class=\"luna-accordion__heading\">\n<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion546385603\" data-toggle=\"collapse\" data-target=\"#accordion546385603\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion546385603\" data-accordion=\"details\">\n    <div class=\"accordionContent\">\n<strong>Pros<\/strong>\n<ul class=\"list-4\">\n<li>Low 0.25% management fee<\/li>\n<li>Free to use a stocks and shares ISA<\/li>\n<li>SIPP for just 0.15%<\/li>\n<li>Fractional investing from \u00a31<\/li>\n<\/ul>\n<strong>Cons<\/strong>\n<ul class=\"list-12\">\n<li>\u00a3100 initial first investment<\/li>\n<li>Limited asset types and portfolios<\/li>\n<li>Few learning resources and tools<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n    <p class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion717356945\" data-toggle=\"collapse\" data-target=\"#accordion717356945\">\n        <span class=\"luna-accordion__title\">Fees and features<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion717356945\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage\" class=\"UKFST bestpage \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0% - 0.25%<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"There's no fee for DIY account. Managed account platform fee is 0.25% per year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">\u00a30<\/span><\/td><\/tr><tr><th>Frequent trader rate<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">N\/A<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"No dealing fees apply\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr><tr><th>Foreign exchange fee<\/th><td class=\"i_infobox_data product_infobox_data\">0%<\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3100<\/td><\/tr><tr><th>Fractional shares<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><\/div>\n<\/div>\n<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n<div class=\"u-grid__col u-1\/4@m u-1\/3@s is-hidden is-visible@s content-area-light-blue has-padding-small\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"default\" class=\"UKFST default bestpage_infobox\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage_hotstats\" class=\"UKFST bestpage_hotstats \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">\u00a30<\/span><\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3100<\/td><\/tr><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0% - 0.25%<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"There's no fee for DIY account. Managed account platform fee is 0.25% per year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div>\n<\/div>\n<center><a class=\"luna-button luna-button--success luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/investenginesharetrading-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e0625dc6-20e3-4dbf-a5f5-5d6eabf8dcf8%22%2C%22product_name%22%3A%22InvestEngine%22%2C%22offer_id%22%3A%2219092%22%2C%22decorator%22%3A%22UKFST.PRODUCT.CTA_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486846%2C%22name%22%3A%22ukfst-best-page-hero%22%2C%22country%22%3A%22uk%22%7D%7D\" type=\"button\" target=\"_blank\" rel=\"noopener\">Go to site<\/a>\r\n\r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div><\/center>\n\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n\n\n<\/div><h3 id=\"nutmeg\">Best for portfolio choice: Nutmeg<\/h3><div class=\"best-page\" id=\"best-page-74459c9498bd4214a295baa0570204b1--1935995477\">\n\n\n<style>\n.bestpage_infobox tr { display: flex; flex-direction: column-reverse; padding-bottom: 15px; background-image: url(https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/02\/Finder-SitesLike-BlackBullet-20px.png); background-repeat: no-repeat; padding-left: 30px; background-position-y: 10px } .bestpage_infobox th { border-bottom: 0 none #d5d9dc; width: auto; padding: 0; font-size: .9em; font-weight: 500 } .bestpage_infobox td { border-bottom: 0 none #d5d9dc; font-size: 1.2em; padding: 0; } .luna-accordion__details.in.collapse { overflow: visible; }\n<\/style>\n\n\n\n\n \n\n\n<article class=\"luna-card luna-card--border bestpage_card\">\n  <div class=\"luna-card__block\" style=\"padding: 0; margin: 0;\">\n<div class=\"u-grid\" style=\"margin:0;\">\n  <div class=\"u-grid__col u-3\/4@m u-2\/3@s\" style=\"padding: 1.25rem calc(1.25rem - 1px)\">\n\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/65f80fcda2909.png\" alt=\"Nutmeg logo\" width=\"184\" height=\"115\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65f80fcda2909.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65f80fcda2909.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65f80fcda2909.png?fit=552 552w\" sizes=\"(max-width: 552px) 100vw, 552px\" loading=\"lazy\">\n<\/div>\n\n\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<div><strong class=\"text-xx-large\">4.1<\/strong> <span class=\"luna-stars luna-stars__fill--85 luna-stars--primary\" aria-label=\"Rating is 4.1 out of 5\">\u2605\u2605\u2605\u2605\u2605<span><\/span><\/span><\/div>\n<div class=\"has-margin-bottom-xxsmall text-x-small fin-text-grey\">Finder Score <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key features of the account. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/share-dealing-methodology'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\" data-custom-event-active=\"true\"><\/span><\/div>\n<\/div>\n\n\n\n<div class=\"u-grid__col u-1\/1 is-hidden@s is-visible text-center  has-margin-top-small has-margin-bottom-small\">\n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/nutmeg\" type=\"button\">Read review<\/a> \r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/1\">\n\nMost robo-advisors have a limited range of portfolios to choose from (or be matched with), but Nutmeg is our top pick for choice because there are 36 portfolios in total, covering a range of investing styles. Nutmeg was one of the very first robo-advisors to take the UK by storm and it continues to innovate with its choice of investments. <p>On top of its basic selection, it recently added the Smart Alpha portfolios (powered by JP Morgan Asset Management), and also a new range of thematic portfolios covering a range of specialist investing themes like \u201ctechnological innovation\u201d and \u201cresource transformation\u201d.<\/p><p>Nutmeg\u2019s fees aren\u2019t the cheapest, starting at 0.45% for its most basic \u201cfixed allocation\u201d portfolios, but they do get a bit cheaper once your portfolio crosses \u00a3100,000.\n\n<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n<p class=\"luna-accordion__heading\">\n<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion1979994023\" data-toggle=\"collapse\" data-target=\"#accordion1979994023\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion1979994023\" data-accordion=\"details\">\n    <div class=\"accordionContent\">\n<strong>Pros<\/strong>\n<ul class=\"list-4\">\n<li>Large choice of portfolios and investing styles<\/li>\n<li>Fees get cheaper for large portfolios<\/li>\n<li>Lots of tax-efficient account options<\/li>\n<\/ul>\n<strong>Cons<\/strong>\n<ul class=\"list-12\">\n<li>\u00a3500 minimum initial investment<\/li>\n<li>Higher fees than some robo-advisors<\/li>\n<li>App interface is quite bland<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n    <p class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion788562095\" data-toggle=\"collapse\" data-target=\"#accordion788562095\">\n        <span class=\"luna-accordion__title\">Fees and features<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion788562095\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage\" class=\"UKFST bestpage \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0.25% - 0.75%<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"No fees to set-up or exit.&lt;br \/&gt;Based on investment style:&lt;br \/&gt;0.45% for Fixed Allocation up to \u00a3100k (0.25% on portion beyond)&lt;br \/&gt;0.75% for Fully Managed\/Socially Responsible\/Smart Alpha powered by J.P. Morgan Asset Management\/Thematic up to \u00a3100k (0.35% on portion beyond) &lt;br \/&gt;Other charges apply\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">N\/A<\/span><\/td><\/tr><tr><th>Frequent trader rate<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">N\/A<\/span><\/td><\/tr><tr><th>Foreign exchange fee<\/th><td class=\"i_infobox_data product_infobox_data\">0%<\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3500<\/td><\/tr><tr><th>Fractional shares<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><\/div>\n<\/div>\n<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n<div class=\"u-grid__col u-1\/4@m u-1\/3@s is-hidden is-visible@s content-area-light-blue has-padding-small\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"default\" class=\"UKFST default bestpage_infobox\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage_hotstats\" class=\"UKFST bestpage_hotstats \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">N\/A<\/span><\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3500<\/td><\/tr><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0.25% - 0.75%<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"No fees to set-up or exit.&lt;br \/&gt;Based on investment style:&lt;br \/&gt;0.45% for Fixed Allocation up to \u00a3100k (0.25% on portion beyond)&lt;br \/&gt;0.75% for Fully Managed\/Socially Responsible\/Smart Alpha powered by J.P. Morgan Asset Management\/Thematic up to \u00a3100k (0.35% on portion beyond) &lt;br \/&gt;Other charges apply\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div>\n<\/div>\n<center><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/nutmeg\" type=\"button\">Read review<\/a> \r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div><\/center>\n\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n\n\n<\/div><h3 id=\"moneybox\">Best for simplicity: Moneybox<\/h3><div class=\"best-page\" id=\"best-page-806e16d2621e4a269fff836670717f16--1077011192\">\n\n\n<style>\n.bestpage_infobox tr { display: flex; flex-direction: column-reverse; padding-bottom: 15px; background-image: url(https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/02\/Finder-SitesLike-BlackBullet-20px.png); background-repeat: no-repeat; padding-left: 30px; background-position-y: 10px } .bestpage_infobox th { border-bottom: 0 none #d5d9dc; width: auto; padding: 0; font-size: .9em; font-weight: 500 } .bestpage_infobox td { border-bottom: 0 none #d5d9dc; font-size: 1.2em; padding: 0; } .luna-accordion__details.in.collapse { overflow: visible; }\n<\/style>\n\n\n\n\n \n\n\n<article class=\"luna-card luna-card--border bestpage_card\">\n  <div class=\"luna-card__block\" style=\"padding: 0; margin: 0;\">\n<div class=\"u-grid\" style=\"margin:0;\">\n  <div class=\"u-grid__col u-3\/4@m u-2\/3@s\" style=\"padding: 1.25rem calc(1.25rem - 1px)\">\n\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5e25ce580d414.png\" alt=\"Moneybox logo\" width=\"184\" height=\"115\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5e25ce580d414.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5e25ce580d414.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5e25ce580d414.png?fit=552 552w\" sizes=\"(max-width: 552px) 100vw, 552px\" loading=\"lazy\">\n<\/div>\n\n\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<div><strong class=\"text-xx-large\">4.1<\/strong> <span class=\"luna-stars luna-stars__fill--80 luna-stars--primary\" aria-label=\"Rating is 4.1 out of 5\">\u2605\u2605\u2605\u2605\u2605<span><\/span><\/span><\/div>\n<div class=\"has-margin-bottom-xxsmall text-x-small fin-text-grey\">Finder Score <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key features of the account. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/share-dealing-methodology'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\" data-custom-event-active=\"true\"><\/span><\/div>\n<\/div>\n\n\n\n<div class=\"u-grid__col u-1\/1 is-hidden@s is-visible text-center  has-margin-top-small has-margin-bottom-small\">\n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/moneybox-review\" type=\"button\">Read review<\/a> \r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/1\">\n\nThere\u2019s no point jumping in the deep end if you\u2019re just starting to invest, and Moneybox does an excellent job of catering to beginners by keeping things simple. It offers 3 ready-made portfolios that it calls \u201cStarting Options\u201d, with risk levels of: cautious, balanced and adventurous (each comes with an ESG option).<p>Moneybox\u2019s investing process for its portfolios is pretty straightforward - a mixture of global funds to keep things simple and cheap. The Moneybox app itself is dead easy to navigate, you can invest from just \u00a31, and it costs \u00a31 per month plus a 0.45% fee to use it. <\/p><p>With Moneybox, you\u2019re able to use a stocks and shares ISA, an investment lifetime ISA (LISA), or a pension. It also offers a range of non-investment accounts, so it\u2019s a great all-round app for saving and investing.\n\n<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n<p class=\"luna-accordion__heading\">\n<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion215351153\" data-toggle=\"collapse\" data-target=\"#accordion215351153\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion215351153\" data-accordion=\"details\">\n    <div class=\"accordionContent\">\n<strong>Pros<\/strong>\n<ul class=\"list-4\">\n<li>Invest from \u00a31<\/li>\n<li>Well-designed, simple app<\/li>\n<li>Fees get cheaper after \u00a3100,000<\/li>\n<li>ESG portfolio options<\/li>\n<\/ul>\n<strong>Cons<\/strong>\n<ul class=\"list-12\">\n<li>App-only<\/li>\n<li>It\u2019s not the cheapest robo-advisor<\/li>\n<li>Limited investment choice<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n    <p class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion2028182290\" data-toggle=\"collapse\" data-target=\"#accordion2028182290\">\n        <span class=\"luna-accordion__title\">Fees and features<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion2028182290\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage\" class=\"UKFST bestpage \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0.45% + \u00a31\/month<\/span><\/td><\/tr><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0<\/span><\/td><\/tr><tr><th>Frequent trader rate<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">N\/A<\/span><\/td><\/tr><tr><th>Foreign exchange fee<\/th><td class=\"i_infobox_data product_infobox_data\">0.45%<\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31<\/td><\/tr><tr><th>Fractional shares<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><\/div>\n<\/div>\n<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n<div class=\"u-grid__col u-1\/4@m u-1\/3@s is-hidden is-visible@s content-area-light-blue has-padding-small\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"default\" class=\"UKFST default bestpage_infobox\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage_hotstats\" class=\"UKFST bestpage_hotstats \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0<\/span><\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31<\/td><\/tr><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">0.45% + \u00a31\/month<\/span><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div>\n<\/div>\n<center><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/moneybox-review\" type=\"button\">Read review<\/a> \r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div><\/center>\n\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n\n\n<\/div><h3 id=\"moneyfarm\">Best for large portfolios: Moneyfarm<\/h3><div class=\"best-page\" id=\"best-page-d8749147dfb34c1883a9d871b504b21f--213230259\">\n\n\n<style>\n.bestpage_infobox tr { display: flex; flex-direction: column-reverse; padding-bottom: 15px; background-image: url(https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/02\/Finder-SitesLike-BlackBullet-20px.png); background-repeat: no-repeat; padding-left: 30px; background-position-y: 10px } .bestpage_infobox th { border-bottom: 0 none #d5d9dc; width: auto; padding: 0; font-size: .9em; font-weight: 500 } .bestpage_infobox td { border-bottom: 0 none #d5d9dc; font-size: 1.2em; padding: 0; } .luna-accordion__details.in.collapse { overflow: visible; }\n<\/style>\n\n\n\n\n \n\n\n<article class=\"luna-card luna-card--border bestpage_card\">\n  <div class=\"luna-card__block\" style=\"padding: 0; margin: 0;\">\n<div class=\"u-grid\" style=\"margin:0;\">\n  <div class=\"u-grid__col u-3\/4@m u-2\/3@s\" style=\"padding: 1.25rem calc(1.25rem - 1px)\">\n\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6671617d139e3.svg\" alt=\"Moneyfarm logo\" width=\"184\" height=\"115\" loading=\"lazy\">\n<\/div>\n\n\n<div class=\"u-grid__col u-1\/3@s u-1\/4@l text-center has-margin-bottom-xsmall\">\n<div><strong class=\"text-xx-large\">3.9<\/strong> <span class=\"luna-stars luna-stars__fill--80 luna-stars--primary\" aria-label=\"Rating is 3.9 out of 5\">\u2605\u2605\u2605\u2605\u2605<span><\/span><\/span><\/div>\n<div class=\"has-margin-bottom-xxsmall text-x-small fin-text-grey\">Finder Score <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key features of the account. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/share-dealing-methodology'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\" data-custom-event-active=\"true\"><\/span><\/div>\n<\/div>\n\n\n\n<div class=\"u-grid__col u-1\/1 is-hidden@s is-visible text-center  has-margin-top-small has-margin-bottom-small\">\n<a class=\"luna-button luna-button--success luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/moneyfarm-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22d8749147-dfb3-4c18-83a9-d871b504b21f%22%2C%22product_name%22%3A%22Moneyfarm%22%2C%22offer_id%22%3A%2215572%22%2C%22decorator%22%3A%22UKFST.PRODUCT.CTA_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486846%2C%22name%22%3A%22ukfst-best-page-hero%22%2C%22country%22%3A%22uk%22%7D%7D\" type=\"button\" target=\"_blank\" rel=\"noopener\">Go to site<\/a>\r\n\r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/1\">\n\nMoneyfarm is our top robo-advisor pick for large portfolios mainly because its fee structure works on a sliding scale that benefits those with larger holdings.<p>For example, its actively managed portfolios start with a management fee of 0.75% for a \u00a3500 balance (the minimum). And this gradually decreases as your portfolio grows, all the way down to 0.35% once you reach \u00a3500,000.<\/p><p>Moneyfarm's aim is to become a leading digital wealth manager, with \u201cwealth\u201d being the key word. This robo-advisor platform isn\u2019t necessarily aimed at investors looking to make small investments. Its target market is those with substantial amounts of wealth that want a more efficient way to invest rather than using an expensive traditional wealth manager. \n\n<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n<p class=\"luna-accordion__heading\">\n<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion2035947552\" data-toggle=\"collapse\" data-target=\"#accordion2035947552\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion2035947552\" data-accordion=\"details\">\n    <div class=\"accordionContent\">\n<strong>Pros<\/strong>\n<ul class=\"list-4\">\n<li>Plenty of investment portfolio options<\/li>\n<li>Fees get cheaper as your portfolio grows<\/li>\n<li>A few account types to choose from<\/li>\n<\/ul>\n<strong>Cons<\/strong>\n<ul class=\"list-12\">\n<li>\u00a3500 minimum investment<\/li>\n<li>It\u2019s quite expensive for small portfolios<\/li>\n<li>The app is pretty basic<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n    <p class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion1583757913\" data-toggle=\"collapse\" data-target=\"#accordion1583757913\">\n        <span class=\"luna-accordion__title\">Fees and features<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#add\" data-accordion-icon=\"show\"><\/use><use xlink:href=\"#remove\"><\/use><\/svg><\/button>\n    <\/p>\n  <\/div>\n<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion1583757913\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage\" class=\"UKFST bestpage \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">\u00a30<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"For ISA 0.35% (capped at \u00a345 a year)&lt;br \/&gt;Managed accounts 0.25% - 0.75%\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">\u00a33.95<\/span><\/td><\/tr><tr><th>Frequent trader rate<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">N\/A<\/span><\/td><\/tr><tr><th>Foreign exchange fee<\/th><td class=\"i_infobox_data product_infobox_data\">0.7%<\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31<\/td><\/tr><tr><th>Fractional shares<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><\/div>\n<\/div>\n<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n<div class=\"u-grid__col u-1\/4@m u-1\/3@s is-hidden is-visible@s content-area-light-blue has-padding-small\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"default\" class=\"UKFST default bestpage_infobox\">\n<div data-category=\"\" data-niche=\"UKFST\" data-fieldset=\"bestpage_hotstats\" class=\"UKFST bestpage_hotstats \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Price per trade<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">\u00a33.95<\/span><\/td><\/tr><tr><th>Min. initial deposit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31<\/td><\/tr><tr><th>Platform fees<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"detail-highlight\">\u00a30<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"For ISA 0.35% (capped at \u00a345 a year)&lt;br \/&gt;Managed accounts 0.25% - 0.75%\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div>\n<\/div>\n<center><a class=\"luna-button luna-button--success luna-button--large luna-button--fluid\" style=\"border-radius: 7px;\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/moneyfarm-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22d8749147-dfb3-4c18-83a9-d871b504b21f%22%2C%22product_name%22%3A%22Moneyfarm%22%2C%22offer_id%22%3A%2215572%22%2C%22decorator%22%3A%22UKFST.PRODUCT.CTA_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486846%2C%22name%22%3A%22ukfst-best-page-hero%22%2C%22country%22%3A%22uk%22%7D%7D\" type=\"button\" target=\"_blank\" rel=\"noopener\">Go to site<\/a>\r\n\r\n\r\n<div class=\"has-padding-top-xsmall\"><center>Capital at risk<\/center><\/div><\/center>\n\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n\n\n<\/div><h3>What is a robo-advisor?<\/h3><p>Essentially it\u2019s a digital platform that automates and simplifies much of the investing process. Unlike a human financial adviser, robo-advisors use some basic information provided by yourself and then it will use technology (and sometimes a bit of human oversight) to build and manage an investment portfolio for you. <\/p><p>It will attempt to build you, or match you to a portfolio that suits your goals, investment risk tolerance and time horizon. It\u2019s like having a personalised investment assistant in your pocket, but without the high fees that usually come with traditional financial services. <\/p><h3>How does a robo-advisor work?<\/h3><p>Typically, most robo-advisors in the UK are app-based (but some also have a desktop app too). So you\u2019ll need to download the robo-advisor app, provide your personal details, and then answer some investing-related questions. Details like how much you plan to invest and how often, along with the level of risk you\u2019re comfortable with and any other preferences (like sustainable investing, for example). <\/p><p>The platform uses all this information to recommend one of its pre-made investment portfolios. After your set up, all you need to do is keep contributing cash and the platform will invest your money and manage the portfolio. <\/p><p>Some of the best robo-advisors allow the option to personally customise your portfolio, which can be really useful as you learn more about investing and want to have some control without needing to jump in the deep end. <\/p><h3>Are there different types of robo-advisors?<\/h3><p>Yes, each robo-advisor platform will have its own unique nuances but typically they can be split into two categories:<\/p><ol><li><strong>Passive robo-advisors.<\/strong> These provide a mostly hands-off approach by investing in assets like index funds or exchange-traded funds (ETFs) and aim to match the performance of the overall market (rather than try and beat it). They tend to be a bit cheaper due to the simplicity.<\/li><li><strong>Active robo-advisors.<\/strong> This type of robo-advisors will attempt to beat overall market performance by making more frequent trades and adjustments, but you\u2019ll often need to pay higher fees (with no guarantee you\u2019ll do any better than a passive approach).<\/li><\/ol><h3>How to invest with a robo-advisor<\/h3><p>Here\u2019s some simple steps to help you get started with a robo-advisor:<\/p><ol><li><strong>Sign up.<\/strong> Do some research to find the best robo-advisor for your needs based on what you\u2019re looking for, whether that\u2019s low fees, an excellent mobile app, a decent choice of portfolios or anything else that appeals to you.<\/li><li><strong>Provide your details.<\/strong> Along with basic personal information, if you provide some general investing details to your robo-advisor platform, it will figure out the best investments for you to use based on what it can offer.<\/li><li><strong>Deposit funds.<\/strong> Most of the best robo-advisors should give you the option to kick things off either with a lump sum, or set up a regular weekly or monthly payment.<\/li><li><strong>Keep investing.<\/strong> Once you\u2019re all set up, the best thing to do is just stay as consistent as you can with your robo-advisor investments, regularly contributing as much as you can sensibly afford.<\/li><\/ol><h3>How do robo-advisors make money?<\/h3><p>There\u2019s no such thing as a free robot. That\u2019s how the saying goes, right? So when you sign up to a robo-advisor, you\u2019ll have to pay a fee to use the platform. This is usually in the form of a percentage based on the size of your portfolio. So the larger your portfolio, the more you\u2019ll pay in fees. <\/p><p>These platform (or account) fees help to keep the robo-advisor running \u2013 figuratively speaking of course, a running robot financial adviser would be extremely scary, like a nerdy T-1000 (for any Terminator 2 fans out there).<\/p><h3>How should I choose a robo-advisor?<\/h3><p>There are a few ways to decide on which robo advisor to use. You could search by minimum investment, costs or functionality. <\/p><p>Some providers have a minimum deposit of just \u00a31, but they can be a lot higher, going up to \u00a3500 with certain robo-advisors. Fees are typically less than 1%, if you\u2019re looking to invest smaller amounts, like \u00a350 or <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-way-to-invest-100\">\u00a3100 per month<\/a>, consider staying away from any flat fee platforms. <\/p><p>The fees usually depend on the features available, you can check our in-depth reviews of each robo-advisor to get a breakdown of features and fees of each platform. Our comparison table below shows some basic information to help you compare and find the best robo-advisor for your needs.<\/p><p>You should also check what account types a robo-advisor offers. Most should offer a <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA and general investment account (GIA), but not all of them offer <\/a><a href=\"https:\/\/www.finder.com\/uk\/self-invested-personal-pensions\">pensions<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-lifetime-isa\">Lifetime ISAs (LISAs)<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/junior-stocks-and-shares-isas\">Junior ISAs (JISAs)<\/a>.<\/p><p>It\u2019s also worth thinking about investment portfolio choice. Are you happy with limited options or do you want some more flexibility or perhaps the ability to use socially responsible or ESG-focused funds? Also consider customer feedback by checking ratings on the App Store and Google Play (but we include these details in our Finder scores and reviews).<\/p><h3>How to find the best robo advisors<\/h3><p>There are several ways to try and find best robo advisor for you:<\/p><ul><li><strong>Cost and fees.<\/strong> Robo-advisors will charge a platform fee and also an underlying fund charge (the cost of holding the investments). This varies across different brands.<\/li><li><strong>Past performance.<\/strong> Check how well a platform\u2019s portfolios have performed. Most will let you see the track record of their risk rated funds over time periods such as 1, 5 or 10 years. Remember, past performance isn\u2019t necessarily an indication of how a portfolio will perform in the future, the best robo-advisor portfolios from yesterday may not be the best robo-advisor portfolios of tomorrow.<\/li><li><strong>Features.<\/strong> Robo-advisors will let you monitor the performance of your portfolio online and manage your account. But some may offer extras like a fancy app or analysis tools and calculators.<\/li><\/ul><h3>Common robo advisor features<\/h3><ul><li><strong>Risk questionnaires.<\/strong> You will need to answer a series of questions that assess your risk appetite and how comfortable you are with different styles of investing and levels of loss.<\/li><li><strong>Model portfolios.<\/strong> Robo advisors offer portfolios of tracker funds or exchange-traded funds that give you exposure to different markets. They are weighted based on different risk levels with the most cautious following developed markets and the more risky putting money into emerging market economies.<\/li><li><strong>Email updates.<\/strong> Rather than regular meetings with a financial adviser, robo advisors will offer blogs, email updates and videos. These will often explain the performance of the portfolios and any changes in strategy or outlook.<\/li><li><strong>Website and app features.<\/strong> You will be able to log in to your account and track your portfolio\u2019s progress through an app or website. You can also make withdrawals and increase or decrease your investment online from your smartphone or computer and use graphs and tools to forecast what your portfolio could be worth in the future.<\/li><li><strong>Low minimum investment.<\/strong> Financial advisers and fund managers may have high minimum investments of as much as \u00a31,000 or more. In contrast, it can be cheaper to start investing with a robo advisor, with some offering minimum investments from just \u00a3100.<\/li><\/ul><h3>Alternatives to robo-advisors<\/h3><p>If you\u2019re not interested in robo-advice and want to pick your own investments, here are some of our top picks for alternative platforms:<\/p>\n\n\n\n\n<style>\n.newpicks.topPicksF1 .topPicks__card { border: 2px solid #232320; border-radius: 1rem; -webkit-box-shadow: 4px 6px 0 0 #232320; box-shadow: 4px 6px 0 0 #232320; margin-right: 4px; }\n.pickfor { line-height: 20px; box-sizing: border-box; display: flex; flex-direction: column; justify-content: center; background-color: #e5f7ff; border-radius: 0.9rem 0.9rem 0 0; min-height: 58px; }\n.pickpros, .gxfcydsc { font-size: 14.75px; letter-spacing: -0.1px; line-height: 21px; }\n.topPicks__card { overflow: visible !important; }\n.topPicks__card figure.award { padding-bottom: 20px; margin: -3px auto 3px auto; }\n.topPicks__card span.gx-badge__body { box-sizing: border-box !important; }\n.topPicks__card figure.noward { padding: 10px; }\n.newpicks.flex { display: flex; flex-wrap: nowrap; overflow: auto; }\n.newpicks .flex-item { flex: 0 0 auto; margin-right: 10px !important;  width: calc((100% - 20px) \/ 3) !important; max-width: 280px; }\n.topPicks__optionalLabel span.table-popover::before { margin: 0px 0px -2px 2px; }\n.topPicks__card .text-small.dsclmr { font-size: 16px; letter-spacing: -.28px; }\n@media only screen and (min-width: 960px) { .newpicks { -webkit-box-pack: center; -webkit-justify-content: center; -ms-flex-pack: center; justify-content: center; } }\n@media only screen and (max-width: 960px) { .newpicks .flex-item { min-width: 270px; } }\n.newpicks .pick { line-height: 1.4em; min-height: 3.3em; }\n.newpicks .flex-item article { border-radius: 0.7em; }\n.newpicks .topPicks__optionalLabel { font-weight: 600; padding: 0.5em 0.65em 0.6em; width: auto; font-size: 0.875rem; line-height: 17px; margin-top: 0px !important; }\n@media only screen and (max-width: 600px) { .newpicks.flex { flex-wrap: wrap; justify-content: center; } .newpicks .flex-item { width: 100% !important; max-width: 375px; margin-right: 0px !important; } .pickpros { text-align: center !important; } }\n<\/style>\n\n\n\n\n\n\n<div id=\"toppicks\" class=\"newpicks impression__toppicks-container u-grid u-grid--alignStretch u-grid--gutterCollapse flex has-padding-top-xsmall topPicksF1\" data-count-items=\"3\">\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for 0% commission stocks <\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure award\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66fa7d773a3be.png\" class=\"topPicks__image\" alt=\"eToro logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66fa7d773a3be.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66fa7d773a3be.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n \n<span style=\"height: 0px; display: flex; justify-content: center; margin: -23px auto 23px;\"><span class=\"gx-badge__body awards-badge__body hasPopover no-margin-right\" style=\"min-height: 18px;\" rel=\"popover\" data-content='The Finder Awards recognise innovative products and services, as well as companies that provide outstanding service to their customers. &lt;a href=\"https:\/\/www.finder.com\/uk\/finderawards\"&gt;Find out more&lt;\/a&gt;.' data-html=\"true\" data-original-title=\"\" title=\"\">Finder Award<\/span><\/span>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-xxsmall\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to eToro\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/etorofreestock-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%221080735a-7036-42d6-b09e-b8d8b6224438%22%2C%22product_name%22%3A%22eToro%22%2C%22offer_id%22%3A%225767%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22position%22%3A%221%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to Site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">Capital at risk. T&amp;Cs apply.<\/div>\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>Copy picks from top traders<\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Commission-free trades<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Fractional shares<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Free to open an account<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for overall trading platform <\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/673228119114f.png\" class=\"topPicks__image\" alt=\"XTB logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/673228119114f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/673228119114f.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-xxsmall\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to XTB\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/xtb-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%220af9c8e6-66b4-4b08-b6f5-27a4c39e2764%22%2C%22product_name%22%3A%22XTB%22%2C%22offer_id%22%3A%2223483%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22position%22%3A%222%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to Site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">Capital at risk. T&amp;Cs apply.<\/div>\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>Earn up to 4% on uninvested cash<\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Commission-free trades<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Fractional shares<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> 8,400+ stocks\/ETFs<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\" style=\"margin-right: 0px !important;\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for stock trading app <\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6842a1b09fcef.png\" class=\"topPicks__image\" alt=\"Freetrade logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6842a1b09fcef.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6842a1b09fcef.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-xxsmall\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to Freetrade\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/share-trading\/freetrade-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22575e101b-8b10-40ed-a44f-ee437a7d3f75%22%2C%22product_name%22%3A%22Freetrade%22%2C%22offer_id%22%3A%2220099%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFST%22%2C%22position%22%3A%223%22%2C%22post_id%22%3A%22423185%22%2C%22post_path%22%3A%22share-trading%252Fshare-trading-guides%252Fstrategy%252Frobo-advisors%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to Site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">Capital at risk. T&amp;Cs apply.<\/div>\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>Free share up to \u00a3100<span class=\"table-popover\" data-placement=\"top\" rel=\"popover\" data-content=\"Receive a free share up to \u00a3100 when you fund your account with at least \u00a350. ISA &amp; SIPP rules apply. FX fees may apply. T&amp;Cs apply. Capital at risk.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Commission-free trades<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Free ISA<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Free SIPP<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n<style>@media only screen and (min-width: 601px) { .ukfin_offrpll { min-height: 46px; } }<\/style><\/div>\n\n\n\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology luna-accordionGroup accordionGroup no-margin-left no-margin-right\">\n<div class=\"luna-accordion\" data-accordion=\"accordion\">\n<div class=\"luna-accordion__summary\">\n<h4 class=\"luna-accordion__heading\">\n<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000000\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000000\">\n<span class=\"luna-accordion__title\">How we chose these trading apps<\/span>\n<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\"><use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use><use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use><\/svg><\/button>\n<\/h4>\n<\/div>\n<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000000\" data-accordion=\"details\" style=\"height: 0px;\">\n<div class=\"accordionContent\">\nWe analysed all popular share dealing platforms in the UK using 35 data points and combined this with our expert insight from using the apps. The platforms we've selected as best for each category offer stand-out features or a unique combination of elements for a specific aspect of investing. If we show a \"Promoted for\" pick, it's been chosen from among our partners and is based on factors that include special features or offers, and the commission we receive. Keep in mind that our picks may not always be the best for you \u2013 it's important to compare for yourself. More details in our <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/share-dealing-methodology\">full methodology<\/a>.\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h3>What is a ready-made portfolio?<\/h3><p>Rather than choosing your own funds, a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/ready-made-investment-portfolios\">ready-made portfolio<\/a> is prepared for you. Think of it like a set-course menu instead of a la carte. They usually combine a range of investments, which are mainly passive funds in the case of most of the best UK robo-advisors.<\/p><p>The type of funds will depend on the risk rating of the ready-made portfolio. Riskier portfolios will hold more equities (like stocks and shares) and assets that can have the potential for higher returns such as emerging or alternative markets, but these investments can be more volatile and lead to larger losses.<\/p><p>All the monitoring and rebalancing is managed for you so you just have to decide how much risk you are willing to take and how much money you want to invest.<\/p><h3>Bottom line<\/h3><p>A robo-advisor provides an effective middle ground between those who aren\u2019t confident about managing their own investments and don\u2019t want to or don\u2019t have enough money to use a financial adviser.<\/p><p>The best robo-advisors will set up and manage your portfolio after you provide answers to some basic questions. This approach can be faster than using a financial adviser and you get access to snazzy websites and apps. <\/p><p>However, even the best robo-advisors aren\u2019t guaranteed to be successful, it depends on the investments. And remember, this is a cool piece of technology but it\u2019s not going to help arrange your finances and take control of all your future financial planning and decisions. <\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Are robo advisors regulated?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Robo advisors have to be approved and regulated by the Financial Conduct Authority (FCA).<\/p><p>This means, like banks, investment firms and other financial advisers have to follow rules on treating customers fairly, keeping client money safe and running a prudent business.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is using a robo advisor the same as financial advice?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Robo advisors are still regulated in the UK but they provide a different type of support than financial advisers.<\/p><p>They offer a simplified form of advice geared towards recommending funds based on your response to a risk questionnaire. That is different to a financial adviser, which is regulated and qualified to advise on a range of issues and may be able to recommend a wider range of products.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is all robo advice automated?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The robo element of robo advice refers to the algorithms behind the risk questionnaires and the technology that helps users contribute to and monitor their portfolio online.<\/p><p>There is still plenty of human interaction behind the scenes at a robo platform such as building and rebalancing portfolios and setting investment strategies based on their economic and political outlook.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you\u2019re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.<\/p><\/div><\/article><br>","protected":false},"excerpt":{"rendered":"<p>Robo advisors are a hassle-free solution to those looking to invest in the simplest way possible. We reviewed some of the best options available in the UK. <\/p>\n","protected":false},"author":1273,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[130092],"tags":[],"asset_tag":[],"class_list":["post-423185","post","type-post","status-publish","format-standard","hentry","category-strategy"],"apple_news_notices":[],"yoast_head":"<!-- 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