Should I Use a Robo-Advisor?

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Robo-advisors, or algorithms that help build your portfolio, have been available to professional money managers for years, but in the last decades have become accessible to ordinary people... but is this high tech right for you?
sources:
www.investopedia.com/impact-i...
www.cnbc.com/2022/01/16/robo-...
www.nerdwallet.com/article/in...
www.nytimes.com/2018/09/07/bu...
www.nytimes.com/2016/01/23/yo...
www.investopedia.com/terms/r/...
www.investopedia.com/ask/answ...
Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC®
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Written by: Andrew Matthews
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Produced by: Katie Graham
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Fact checker: Yvonne McGreevy
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[@sophieoril]

I knew I wanted to get into the market and start building up retirement funds, but I also knew that if I had to pick my own stocks I would end up trying to learn all the best ways to invest which would lead me to never actually investing because I feel like I’m not an expert enough. A roboadvisor was the best option for me because it allowed me to just get started (without having to already be rich).

[@nonozera]

Have you heard about the FIRE movement ? Check them out. They dont sell anything. Grass root movement to help people to invent and retire early. They advise to invest only on whole market ETF.

[@Omar-et7sb]

Great that you took the plunge! Awesome decision... Check out the book 'Retire Before Mom and Dad'. You'll learn how easy it is to make a diversified portfolio that ends up being a little more efficient than a robo-advisor... But you also learn you can keep doing what you are doing - no real "wrong" answer!

[@echpee]

Yes, this is a good explanation. This is the same reason i started using robo advisor.

[@michaeltiemeyer9552]

If you already have a substantial sum in taxable accounts, then you should be very careful switching to a robo-advisor as the likely very first thing they'll do with your investments is sell everything off and put the money into their selection of investments, which could lead to quite a hefty tax bill.

[@kathrynmercier4874]

So I’m assuming switching from one robo advisor to another is also a no go?

[@akin242002]

Exactly! Robo-advisors are very bad for taxable accounts. Just keep it simple and invest into VT for total diversity or a combo of VTI & VXUS.

[@estebanzhang9139]

@@kathrynmercier4874 That depends. A lot of robo advisors tend to use a lot of the same etfs-vanguard, Schwab, ishares-so they might just hold onto them and change things a bit more slowly.

[@jamesmaduabuchi6100]

You might not have a hundred million dollars to invest, but that doesn’t mean your money can’t share in the same opportunities available to others. You work hard for your money; make sure your money works hard for you.

[@jessicamamikina7648]

The wealth you pass to the next generation can have a profound impact on your heirs, providing educational opportunities, the capital to start a business, or financial support to your grandchildren.

[@jamesmaduabuchi6100]

To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal. Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.

[@dorissteve912]

can you endorse any ?

[@jamesmaduabuchi6100]

TERESA JENSEN WHITE does a perfect job. look her up on the web

[@dorissteve912]

thanks for the info . Found her website and it really impressive

[@kaze987]

I think robotic automation is appropriate for any task that is routine, standardized, and not really that nuanced. Rebalancing would be an ideal task

[@kendomyers]

"Money is an emotional topic" Thats why I for one welcome our robot overlords. Remove emotion, invest wisely

[@marksaldanha2906]

Thank you Kent Brockman !

[@kendomyers]

@@marksaldanha2906 ;)

[@akin242002]

Only issue is they underperform, based on their allocation, and slightly overcharge. A simple 2-fund portfolio beats both.

[@kendomyers]

@@akin242002 My point wasnt to support robot investors. My point was to remove emotion from financial decisions. Be like an insect that will cut off a trapped limb and move on. (Thats not to say we should remove ethics, scruples, or social responsibility. Im still against pump and dumps, and refuse to invest in bad things such as private prisons, and am all for helping people and the environment)

[@norseman4763]

@@akin242002 but they make you feel like you’re doing something. I once met someone who responded to mutual funds as “boring” and only wanted to do “exciting” stocks.

[@theenasexperience1870]

Great video! Really nuanced and educational take. I've been seeing plenty of robo-advisors being advertised, always been curious but doubtful so I appreciate the information.

[@nicholasc6876]

I do like how some robo advisers like Betterment let you build safety net portfolios with a high ratio of bonds and some investments to try to keep your emergency savings from depreciating horribly due to inflation. Other things like savings goals are a nice perk, especially if you have a moderate time horizon to save for a down payment on a house. The best feature is they are designed to make you bored of the whole thing, and just ignore the service, which is what good savers need to do. Save and forget about it.

[@MikhailChub]

Thank you! I was waiting for this video.

[@Kelipsol]

I almost didn't recognize Philip without the moustache! I was like "Who is this guy? He sounds the same, but looks younger".

[@pongop]

Wow, great video! Lol "Ya basic!" Aww I love The Good Place.

[@RobertNewstrand]

Video suggestion: What are "Rent to Own" programs for housing and should you participate?

[@escapadebeats6839]

This is a tight video. I have been using a robo advisor company that wasn't mentioned, Blooom, for a few years and love it. They only charge $100 and not a percentage of your earnings.

[@nealchowdhury7217]

Best financial service I’ve used!

[@sovashadow]

I would be interested to see if a robo advisor could beat a simple index fund based portfolio consistently. I know services claim to do this but I am still skeptical. What helps though is I have a very high tolerance for risk. Also I'm very much aware that past performance does not equate to future results, but it is still interesting to look at.

[@username65585]

I think most robo advisors invest in index funds. Their benefit is that they will balance between several different index like us, emergeing, developed, muni bonds, etc. Some will buy the individual stocks in the funds directly instead of ETFs if you have a high enough portfolio value to avoid fund fees.

[@Erosis]

@@username65585 could just buy target date funds in that case.

[@RedDragonShard]

Yeah I know Acorns pretty much does this exact same thing. Any and all funds they invest on your behalf are all publicly available ones you can do themselves. You’re paying for the convenience and the extra perks like being able to shop and get % refund reinvested automatically into your account and stuff

[@jazcaddell2443]

My acorns fund has consistently beaten my government tsp despite them both being in index funds.

[@IamGrimalkin]

@@Erosis Target date funds are effectively a type of robo-advisor.

[@BenjaminNelsonX]

Excellent program, as always! But I still miss the mustache!

[@lmelbathy]

Can you do a video on the different types of college savings plans?

[@Thessalin]

I still use my CIV 2 advisors. Sadly, I still haven't discovered the "Trade" technology, which I don't think is hurting me at all. ... Or science. Or luxuries. Or anything at all really. I just wander my settler around the world endlessly.

[@TheForexApostle]

What an awesome episode! This is a really comprehensive and educated perspective.

[@feynstein1004]

0.2% fee? Don't index funds charge a tenth of that? Like 0.02%?

[@jaketyler7088]

The 0.2% fee is for managing your portfolio, which index funds don't do. The 0.02% fee covers operating expenses for the index fund.

[@feynstein1004]

@@jaketyler7088 Yeah but my point was that if you're just following the market with robo advisors too, why pay them extra when you can get the same results with index funds at a tenth the cost?

[@ShadowRaptor8]

@@feynstein1004 You're paying for the management of the funds, since sometimes just buying a cheap index fund won't automatically and immediately reinvest dividends, rebalance, or properly diversify when balances get out of whack. It's probably not a big deal for non-taxable long-term retirement accounts, but for general taxable investing accounts it's definitely saved me thousands.

[@feynstein1004]

@@ShadowRaptor8 Hmm that sounds interesting. Thank you for the reply 🙂

[@Omar-et7sb]

Correct. It's cheaper and more efficient in the long run to have a Bogleheads-style (3-6 fund) portfolio with all index funds. Like, the difference over 20 years could be $100k! However, to someone disinterested in basic personal finance education, it is still better to use a Robo advisor than to not use anything at all!

[@maestrulgamer9695]

3:45-Then why would you even use a robo advisor? To match the market,just invest in the s&p 500. It makes sense tho,since any easy way increase gains would be usedby everyone and is mathematically impossible for a majority of investors to beat the market!

[@andrewgutmann9432]

I for one welcome our coming robot overlords.

[@rsaunders57]

Human advisors are too expensive, because of the salary cost of the pesky human.

[@chancehutto8122]

Ya, their fees can be high, but too bad most humans can be pesky and not do what they're supposed to. Financial advisors are part asset manager and therapist.

[@macomputersuck]

How do Robo-Advisors compare to Taget Date Funds?

[@ancientfrankia5779]

Great video; honestly, I don't think it's a bad idea to use a robo-advisor, but I don't think I have time for experimentation; I'll be 50 next month, and I'm looking for ideas on what investments to procure to set myself up for retirement, especially with inflation on the horizon; my goal is to have at least $5 million by the age of 60.

[@calamander9426]

@@arildproctor4273 Nice overview, but who is the coach that guide you? And how do I get in touch with them? I'm in need of their expertise.

[@Georgije2]

Hopefully you already have at least $4 million, otherwise I have some bad news for you...

[@thespcrewroy8716]

Is this a joke?!

[@TheRealJayGutta]

I like how you just blasted Charles Szasz 🤭🤣😭

[@MzShonuff123]

Man I love these videos

[@PocketWatcherJT]

Great Job!!!

[@KagatoIuchi]

Cool video as usual Two Cents!

[@jolenetrinh4744]

Which robot advisor has zero fee besides Sofi?

[@shaereub4450]

I got a Betterment ad before watching this video.

[@sikhswim]

Can you guys evaluate personal capital as well? They pitch themselves as not quite a robo advisor.

[@BrettKinder]

There is one single button on Philip's shirt not buttoned and it's driving me crazy.

[@bryanmabbott]

How are robo advisors to target date funds?

[@EagerEggplant]

NOOOOOO WHERE IS THE MUSTACHE?!

[@TyinAlaska]

Yes. I would trust a robot to do all of those things to certain degrees. "The future is now old man!"

[@rowan-paul]

Exactly, I was looking like but I would

[@Pandrogas]

Robo-Advisors: Because you have to put your money somewhere and savings accounts are worthless these days.

[@thelonelyrogue3727]

You don't want .4% APY?

[@momane8434]

Robo-advisors could be the new savings account for down payments and college savings

[@leuc1823]

love your videos

[@logwhitley]

Many parents leave their kids to be looked after by a tablet with pepper pig and their are already robots that dispense prescriptions

[@meinelust]

Robo-Advisor is the best way for us to get into the game. It auto-magically perform transactions based on the combined expertise that we don't have.

[@akin242002]

Lol...People who invested into VTSAX for 20 years straight have outperformed robo advisors. Overrated for most people outside a few. Lottery winners, star musicians, star actors, trust fund babies, and pro athletes are the ideal customers for robo advisors. Robo-advisors tend to be more conservative and focused on low volitility rather than growth. Thus richer clients who are very busy and ignorant about investing are the ideal customers.

[@FinancialShinanigan]

Surprised Wealthfront didn't sponsor this video lol

[@scottycatman]

Phrasing could've been better on the section about apps like Robinhood and Warren Buffett. He definitely didn't use an app, much less an app that uses dark markets and doesn't have you holding actual shares.

[@akin242002]

No! With discipline and a reliable 2-fund portfolio, a person doesn't need a Robo advisor. Some 2-fund portfolio examples for an IRA: VTSAX 80% and VTIAX 20% FSKAX 80% and FTIHX 20% SWTSX 80% and SWISX 20% VTI 80% and VXUS 20% ITOT 80% and IXUS 20% SCHB 80% and SCHF 20%

[@blackguyofthesouth2161]

Never been this early for a Two Cents video

[@mahed5807]

Me neither!!!

[@BrosephtheAsian]

I forgot who does it but there are companies that start off with a robo-advsior and once you reach a certain value in your portfolio you can start talking to a human advisor

[@zagaberoo]

Love seeing PBS invest in financial literacy like this.

[@JuniorWA]

Betterment is the status-quo of roboadvisors.

[@Sagalink]

Robo-advisors sound great but I'm not sure I want the one from Inscryption managing my cash!

[@Amir-jn5mo]

that robots attitude would be priceless thou xD

[@riod7559]

I changed my work 401K to a Roboadvisor after watching this...going better than a big name firm

[@TheCarlosandresquint]

I really enjoy this videos! Although I really miss the mustage \

[@hannahgray1132]

I mean call if what you will but an investment algorithm or a robo advisor sound like the same concept to me

[@schoolruler2]

Betterment underperformed the market a lot. It is better than nothing though. Better to be in the market overtime than not. And don't sell when it is low.

[@neyedol]

just as agriculture did for mankind, process automation will be that next step towards unlocking the full potential of our laziness

[@kathaiti]

Robo advisors are a great option for low-income earners who want to save for retirement.

[@KaironQD]

Oooh! Tax Loss Harvesting! Hmmm are Robo-advisors typically in the taxable account space then? All my investing is in tax-advantaged accounts right now, so until I can start saving more than those yearly maximums I have assumed I'm not even in the market for a robo advisor yet.

[@Omar-et7sb]

Yes. It's usually for individual taxable accounts or people that have IRA's (of any flavor). I ended up transferring out of Robo Advisors because even with the Tax Loss Harvesting, it was simply cheaper in the long run to make an Index-Fund heavy Bogleheads portfolio in M1 Finance. (I also offset my own capital gains with my "play money" individual stocks Robinhood account as every year there's a stinker or two that I end up selling at a loss)

[@KaironQD]

@@Omar-et7sb Thanks for the insight! I'd like to adhere to boglehead principles myself so my idea of a portfolio, even in a taxable account, is probably much simpler than what would call for a robo adviser!

[@Omar-et7sb]

@@KaironQD Exactly, and most likely to perform better when fees accounted for. :) One change I do on my own TAXABLE Bogleheads portfolio is to use Vanguard's municipal bond ETF instead of total bond market etf. Although, it's possible the total bond market one (BND) outperforms the municipal one even when accounting for taxes... But it's how I soothe my own brain to be as tax efficient as possible :)

[@imanomari2041]

@@Omar-et7sb I am totally new at this, and I have just started reading and educating myself, but I want to start investing , which robo advisor you think is best?

[@Omar-et7sb]

@@imanomari2041 Oh, and that link has a 'Getting Started' link at the top. Less intimidating that you would think to get started!

[@zeyunggiscool]

good video

[@Freedomthirtyfiveblog]

When it comes to investing it's better to know what you own and why you own it. That's hard to do or keep track of with robo-advisors so I don't use them. Otherwise they are a great choice for someone who doesn't want to actively manage their own portfolio.

[@jazcaddell2443]

Depends on the robo advisor. I have an acorns account and it's pretty consistently made of the same 6 vanguard funds.

[@ntmn8444]

I have a robo advisor. It does the job. It’s on top of its game, and it does match the market. I also have my own accounts where I play and try to outperform the market. All in all, I’m diversified!

[@jimgonewild909]

Same here 😅

[@SamianHQuazi]

Aren't passive index funds essentially the same thing?

[@Omar-et7sb]

Yes. The robo advisors make the barrier of entry even lower for some thou... Like super low minimum balances, etc.

[@estebanzhang9139]

For the most part yeah. They tend to manage your allocations for you so it tends to be on autopilot.

[@kevinseven748]

i’m 18 and just starting out , don’t have a huge sum, and don’t have any sophisticated needs, should i look into a robo-advisor?

[@Priinsu]

I would recommend it at your age to start out with. If you're not in debt, and you're not struggling to survive put what little you can into investments. You don't need loads of money to start. I recommend building up a savings in a high-yield savings account too with 6-9 months of expenses. I got mine through Ally bank and I've been with them for 8 years now and that's also where I have my robo-portfolios. I just throw money into my robo-portfolios and they divy it up into different ETF's and Bonds and let the algorithm manage it. So, basically just set it and forget it. Unless you have specialized training and experience you should not be buying/selling stocks yourself. I say let the professionals and the algorithm handle it. I'm not too proud to admit I'm not smart enough to do it myself. You're still young too so, now's the time to take risks, make mistakes, and grind it out.👌

[@kevinseven748]

@@Priinsu thank you, this info helped a lot , i currently have a so fi account and want to look into so fi automated investing, so this advice is very much appreciated. how would you say Ally bank has benefited over those 8 years? any cons?

[@Priinsu]

@@kevinseven748 having a high-yield saving account is much better than having a savings account with banks like chase where you get cents for interest every month. I get way more in interest every month. The cons are like any other investment it can increase/decrease in value based on your chosen level of risk when you first set up your portfolio and you don't necessarily trade the stocks yourself although you do have the option to if you want. I just opt have it done for me it so I don't have to think about it. I also get dividends and interest on my robo-portfolio accounts too every month.

[@jimmyyu2184]

My AI told me to buy NFLX and sell TSLA last week...

[@Jeff-qx8fr]

Opened a robo advisor account in October and overall down 8.5% 😐

[@ryanfox6260]

A robo-advisor isn't gonna talk you off the ledge when the market is tanking and you want to sell

[@rogerhinman5427]

Selling stocks to minimize taxes, and the IRS gets upset. Gee, who'da thunk?

[@freebie808]

I wouldn't trust a robot to do the robot dance

[@myronvenero9371]

How are they always reading my mind? 😂

[@nickmac89]

just buy index funds

[@christiankratochvil7219]

WHERE IS THE MUSTACHE?!

[@hottieEJ]

Dang, Julia's 25 year old boyfriend is a great host and I'm looking forward to what he can bring to this channel.

[@JonahLaining]

Why do you use black characters so excessively on your animations?

[@memorycode275]

why are you without moustache...aaaahhhhhhhhhhhhh

[@weareorigin]

Made him 20 years younger

[@wreckingopossum]

I have used Wealthfront for a few years now, but also listened to what Charlie Munger says about Modern Portfolio Theory and go hmmm... (Hint: Mr. Munger is NOT a fan)

[@_valor]

Commenting for the algorithm :)

[@pozzowon]

Where's the mustache???

[@Daniel-zl2qq]

WHERES THE STACHE

[@kevinbreau4232]

Who's the new guy?

[@JonathanMahadeo]

I make my own bot, humm...

[@RustyNinja100]

I just put 10k in a Charles Schwab advisor. I'll let you know how it goes

[@Omar-et7sb]

Probably the worse one as it holds some in cash... meaning it's not 100% investing.

[@sciencemanguy]

I specialize in AI and have had my share of stuff with AI in the stock market, if u want to ask me anything, go ahead. AMA

[@jvansickle6094]

It is hard to take advise from a man without a mustache haha

[@username65585]

I know about the gay rodio from King of the Hill.

[@WCephei77HD]

I was today years old...

[@Housestationlive]

i was about to try but don't want invest more than 80 or 100 $ and minimum is unfortunately 500.

[@ironsteal]

Never ever give money towards kids college

[@shrutiambavat]

just came here to say that i love your dress😍

[@Splashstar216]

if you're actually watching these videos for financial advice, that's a sign that you need to get a Robo advisor! 😎

[@Adelzu]

If i built a robot that actually makes me money, i would keep it to my self. It definitely doesn't, hence they are selling it to make the money it was supposed to generate them.

[@grantbaugh2773]

But it requires capital in order to make the money, so if you don't have much cash personally to invest then you could make more by offering it as a service and charging for it.

[@Adelzu]

@@grantbaugh2773 Not really. If such tool can make you 20% a month. Starting with a $1000 means you end up with a $66K in 2 years. $5.3M in 4 and almost $47M in 5.

[@grantbaugh2773]

@@Adelzu Right, but you could do that and then still sell the tool to people for even more money.

[@Adelzu]

@@grantbaugh2773 once it starts being used on a larger scale, it will not work anymore. Think of it as follows If everyone uses the algorithm, it says buy, no one sells. Then everyone wants to sell because the price got too high but no one is buying. It basically breaks itself on a large scales. Entropy. It is way more profitable to keep such algorithm to yourself if it really works. And if it kinda works and makes 5% or less, sell it, and make your money.

[@SimGunther]

In the land of robots (80% of trading is now done by computers), you either die a retail investing hero or live long enough to become the robot 💻🤖

[@imp3r1alx]

The irony of this tech, if one day they succeed in making an advanced AI for robo advisor that have been proven to make you money consistently.. The market will adapt to not allow it.. or the software is not released to the public.. cause if all human have the same card.. then who want to be the farmers and who want to be the live the high live.. all human can relax and the money will keep popping in your account, even while doing nothing..

[@guyat8007]

Ending:🤮🤮🤮🤮

[@isaacmorris1397]

Thanks for continuous great videos, I feel those who would allow the Market dynamics to determine when to trade or not are either new in space in general or probably just naïve, the sphere have seen far worse times than this, enlightened traders continue to make good use of the dip and pump even acquiring more equities towards trading sessions, I'd say that more emphasis should be put into trading, since it is way profitable than holding. i would say trading has been going smoothly for me, all thanks to Andy Dumas for his amazing skills for help me to earn 17 BTC through trading chart. I believe we are in the spring phase...

[@davidhoover3358]

It doesn't matter if you are a current hodler or a newbie, you can capitalize on the fluctuation of bitcoin by trading with good strategy/signals....

[@soniaalbiba6925]

Building a good investment portfolio is more complex so I would recommend you seek Johanna Walters support. This way you can get strategies designed to address your unique long/short-term goals and financial dreams.

[@soniaalbiba6925]

This current dip is a huge opportunity to buy the dip and also higher volatility to yield more profit for day traders.

[@soniaalbiba6925]

It's a privilege to have her social chat contact, whatapp!

[@soniaalbiba6925]

+1

[@0_1_2]

4:01 - oh god shilling for robinhood? 🤦‍♂️ Yeah definitely get robinhood people! They might let you sell your stocks when you want or maybe they won’t. Yikes 😬

[@bostonbuzz5728]

Even with the fluctuation in the economy, I’m so excited I’ve been earning $45,000 from my $10,000 investment everyday 10days..

[@baileyparker4928]

I have also been trading with her, The profits are secured and over a 100% return on investment directly sent to your wallet. I made up to $60,000 in 2months trading with her ...

[@matthewmccann7107]

Please how do I reach her ?

[@turbotaxmike158]

@Willard Andy I also needed her info too I’ll write her thanks

[@dorisjumal574]

The crypto market is highly profitable trading under an expert like Mrs Angela Wong. I got her recommendation from my cousin ever since then out financial story has been a success

[@marshandabrown4246]

I’m a long term investor I just withdrew my profit over £140,000 her trading strategies is second to none.

[@drip369]

If you have to use a robot to do a person's job, you are part of the problem, which includes that little robot floor cleaner because most people are too selfish and claim they have no time to do housework although they are selfish with their time

[@lilpenguin092]

So what is the solution to solve the problem of automation?

[@grey5626]

@@lilpenguin092 good code is rare, and hardware remains hard. Libre/free open source software (e.g. BSDs, Linux) and to a lesser degree hardware (e.g. RISC-V, Betrusted's Precursor) are some examples of automation frameworks based upon peer reviewed, scientifically repudiated research, note: they are free (as in freedom, but the code is also free as in no cost). If you start mixing money with such constructs, you're going backwards. Physics doesn't have financial constructs and explains a known universe awfully accurately to the point of keen observations about black holes and distant stars from billions of years ago. Money can't do that. Most money constructs are symbolic representation systems (aka "fiat currencies") with no intrinsic value. Meanwhile, computation is also, fundamentally: symbolic representation, but without the constraint of a financial construct, significantly more efficient and easier to optimize. Thus, you can have computers operating 24x7 based on entirely open source software and hardware, but banks will always have constrained hours and intrinsic delays. Even cryptocurrencies have excruciatingly poor performance and efficiency characteristics relative to most other pure computation because in large part, they are attempting to mimic aspects of banking constructs, which should be considered obsolete and deprecated. Think: 23rd century Star Trek and you'll get a better understanding of computation, exploring galaxies, sharing innovations, and dispensing with selfish self serving Ferengi fiscal concepts and you will be able to explore stars and galaxies and only monkey with primitive money constructs as necessary. Money is very human, there are millions (billions?) of other species on Earth alone which do without most human constructs and seem to live simpler lives more in balance and in harmony with their surroundings. Automation? Think back to the industrial "revolution" and ask yourself: is pollution while making the rich richer and poor poorer something we should be continuing on as scientists have reached consensus that we are entering Earth's six mass extinction event? Is more money or more Bitcoins going to help you or your children live in accordance with life on the planet, or is it immantizing the eschaton?

[@user-us1ri3lq1i]

Robo-Advisor is the best way for us to get into the game. It auto-magically perform transactions based on the combined expertise that we don't have.