{"slug":"best-robo-advisor","title":"Best robo-advisor","question":"What are the best robo-advisors for investing in 2026?","verdict":"As of 2026-07-07, ChatGPT, Claude and Gemini collectively rank Wealthfront #1 for robo-advisor on ModelsAgree by aggregate score. The models' case: Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a. The models' main caveat: Add access to human financial advisors (it remains purely digital), which is the main reason hands-on investors pick rivals. The strongest alternative is Betterment — Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and. Not unanimous: ChatGPT picks Betterment. Source: https://modelsagree.com/best/best-robo-advisor (modelsagree.com, CC BY 4.0).","category":"Money","url":"https://modelsagree.com/best/best-robo-advisor","updated":"2026-07-07","models":["ChatGPT","Claude","Gemini"],"consensus":"2 of 3 models rank Wealthfront the top pick","disagreement":"ChatGPT picks Betterment","combined":[{"rank":1,"product":"Wealthfront","domain":"wealthfront.com","score":14,"appearances":3,"modelRanks":{"ChatGPT":2,"Claude":1,"Gemini":1},"reason":"Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a flat 0.25% fee with a low entry minimum."},{"rank":2,"product":"Betterment","domain":"betterment.com","score":13,"appearances":3,"modelRanks":{"ChatGPT":1,"Claude":2,"Gemini":2},"reason":"Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and optional CFP access"},{"rank":3,"product":"Vanguard Digital Advisor","domain":"vanguard.com","score":8,"appearances":3,"modelRanks":{"ChatGPT":3,"Claude":3,"Gemini":4},"reason":"Extremely low all-in advisory cost, $100 minimum, Vanguard index-fund discipline, retirement focus, and strong fit for long-term buy-and-hold investors"},{"rank":4,"product":"Fidelity Go","domain":"fidelity.com","score":6,"appearances":3,"modelRanks":{"ChatGPT":4,"Claude":5,"Gemini":3},"reason":"No advisory fees for balances under $25,000, zero-expense-ratio underlying Flex funds, and free access to live coaching for larger balances."},{"rank":5,"product":"Schwab Intelligent Portfolios","domain":"schwab.com","score":4,"appearances":3,"modelRanks":{"ChatGPT":5,"Claude":4,"Gemini":5},"reason":"No advisory fee at all, broad ETF diversification, automatic rebalancing, free tax-loss harvesting above $50k, and access to Schwab's full brokerage ecosystem and branches."}],"perModel":{"ChatGPT":[{"rank":1,"product":"Betterment","reason":"Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and optional CFP access","fix":"Make the small-balance pricing less punitive"},{"rank":2,"product":"Wealthfront","reason":"Best digital-only platform for hands-off investors who still want powerful planning, tax-loss harvesting, direct indexing, portfolio customization, high-yield cash, and a clean app","fix":"Add access to human financial advisors"},{"rank":3,"product":"Vanguard Digital Advisor","reason":"Extremely low all-in advisory cost, $100 minimum, Vanguard index-fund discipline, retirement focus, and strong fit for long-term buy-and-hold investors","fix":"Add more portfolio customization and richer taxable-account tax tools"},{"rank":4,"product":"Fidelity Go","reason":"Excellent for newer investors because balances under $25,000 have no advisory fee, Fidelity Flex funds have no expense ratios, and coaching becomes available at higher balances","fix":"Add tax-loss harvesting and more portfolio choice"},{"rank":5,"product":"Schwab Intelligent Portfolios","reason":"No advisory fee, strong ETF diversification, automatic rebalancing, tax-loss harvesting at eligible balances, and backing from a major brokerage","fix":"Reduce the required cash allocation that can create performance drag"}],"Claude":[{"rank":1,"product":"Wealthfront","reason":"Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a flat 0.25% fee with a low entry minimum.","fix":"Add access to human financial advisors (it remains purely digital), which is the main reason hands-on investors pick rivals."},{"rank":2,"product":"Betterment","reason":"Cleanest goal-based UX, automatic rebalancing and tax coordination across accounts, flexible portfolio options (socially responsible, income), and an optional Premium tier with CFP access.","fix":"Lower its 0.25% (and $4/mo small-balance) pricing or sharpen returns versus Vanguard/Schwab to justify the cost for fee-sensitive investors."},{"rank":3,"product":"Vanguard Digital Advisor","reason":"Rock-bottom ~0.15% all-in cost using Vanguard's own low-expense index funds, trusted fiduciary brand, and solid automatic rebalancing for buy-and-hold investors.","fix":"Add real tax-loss harvesting and a more modern, feature-rich app to match Wealthfront/Betterment's automation depth."},{"rank":4,"product":"Schwab Intelligent Portfolios","reason":"No advisory fee at all, broad ETF diversification, automatic rebalancing, free tax-loss harvesting above $50k, and access to Schwab's full brokerage ecosystem and branches.","fix":"Cut the large mandatory cash allocation that creates return-dragging \"cash drag,\" and drop the steep $25k minimum."},{"rank":5,"product":"Fidelity Go","reason":"Free for balances under $25k, low 0.35% above that with zero-expense-ratio Fidelity Flex funds, no separate fund fees, and seamless integration with Fidelity's strong brokerage.","fix":"Introduce tax-loss harvesting and tax-aware management, which it still lacks versus every higher-ranked peer."}],"Gemini":[{"rank":1,"product":"Wealthfront","reason":"Industry-leading tax-loss harvesting, a low 0.25% flat advisory fee, seamless cash account integration, and advanced portfolio customization options.","fix":"Offer access to human financial planners for complex investing questions."},{"rank":2,"product":"Betterment","reason":"Best-in-class goal-oriented planning tools, robust automated tax-loss harvesting, and a low barrier to entry with no account minimum.","fix":"Remove the flat monthly fee on small accounts and lower the 0.65% fee on the premium tier."},{"rank":3,"product":"Fidelity Go","reason":"No advisory fees for balances under $25,000, zero-expense-ratio underlying Flex funds, and free access to live coaching for larger balances.","fix":"Reduce the 0.35% advisory fee applied to balances of $25,000 and above."},{"rank":4,"product":"Vanguard Digital Advisor","reason":"Extremely low advisory fee of roughly 0.15%, highly accessible $100 minimum, and reliable Vanguard index portfolios.","fix":"Introduce automated tax-loss harvesting for taxable accounts."},{"rank":5,"product":"Schwab Intelligent Portfolios","reason":"Zero advisory or management fees, automatic rebalancing, and 24/7 customer support backed by a top brokerage.","fix":"Eliminate the mandatory cash allocation that creates a drag on overall portfolio returns."}]},"missedByModel":{"ChatGPT":[{"product":"SoFi Robo Investing","reason":"low minimum, simple portfolios, and planner access are attractive, but the newer 0.25% fee and thinner tax features keep it out"},{"product":"Merrill Guided Investing","reason":"strong Bank of America/Merrill ecosystem and human oversight, but higher fees and less customization make it weaker value"}],"Claude":[{"product":"SoFi Automated Investing","reason":"low cost and free CFP access, but a thinner track record and shallower tax features keep it just outside"},{"product":"M1 Finance","reason":"excellent customization with \"Pies,\" but it's more a self-directed automation tool than a true advice-driven robo-advisor"}],"Gemini":[{"product":"ETRADE Core Portfolios","reason":"missed the top 5 due to its higher 0.30% advisory fee and $500 minimum"},{"product":"Merrill Guided Investing","reason":"missed due to its high 0.45% advisory fee and $1,000 minimum"}]}}