So groß ist der Robo-Advisor-Markt in Deutschland (2024)

FAQs

What country has the greatest number of robo-advisors? ›

Over the past six years, roughly 180 million people have started using robo-advisors to build trading strategies, buy stocks, and grow their portfolios. Nearly one-fifth were from the United States, the world's largest robo-advisors market.

Limited Flexibility

Most robo-advisors won't be able to help you if you want to sell call options on an existing portfolio or buy individual stocks.

Do robo-advisors outperform the S&P 500? Robo-advisors can outperform the S&P 500 or they can underperform it. It depends on the timing and what they have you invested in. Many robo-advisors will put a percentage of your portfolio in an index fund or a variety of funds intended to track the S&P 500.

Robo-advisors in the U.S. have faced three main challenges: high client acquisition costs, ongoing costs of servicing clients, and low revenue yield on client assets.

If you're in the market for a robo-advisor, there are plenty of providers to choose from — but important factors like fees, investment portfolios, account minimums and other features can vary widely. In our analysis, the two robo-advisors with the top scores are Wealthfront and Betterment.

Management fee: This fee typically costs 0.25 percent to 0.5 percent of your assets on an annual basis, though fees may be lower or higher. So every $10,000 invested would incur management fees of $25 to $50 each year based on those percentages.

Robo-advisors, like human advisors, cannot guarantee profits or protect entirely against losses, especially during market downturns—even with well-diversified portfolios. Because most robo-advisors only take long positions, when those assets fall in value, so will the portfolio it has constructed.

The findings come as demand for robos has cooled. A report last year by Parameter Insights found that just under 21% of U.S. investors used digital advice services, down from nearly 28% in 2021. The decline in use was particularly high among people with income over $100,000 and with more than $500,000 in assets.

A robo-advisor can be a good choice when you're starting out and just looking for a simple way to begin growing your wealth. However, as your net worth improves and your situation becomes more complex, you might need to consider turning to a human financial advisor to help you navigate your financial future.

A robo-advisor can help ease the burden of managing your portfolio as you transition to retirement—and help you figure out how to tap your assets in tax-smart ways.

What is the average return of a robo-advisor? ›

Robo-advisor performance is one way to understand the value of digital advice. Learn how fees, enhanced features, and investment options can also be key considerations. Five-year returns from most robo-advisors range from 2%–5% per year.

But depending on the asset class mix and the particular index funds selected, a robo-advisor may underperform or outperform a broad equity index like the S&P 500.

In next decade the robo advisor market is expected to significantly grow and challenge traditional investment advisors. Investment profiles may become more personalized but still focus on ETFs and mutual funds.

A robo-advisor (sometimes without the hyphen, as roboadvisor) is a digital platform that provides automated, algorithm-driven financial planning and investment services with little to no human supervision. A typical robo-advisor asks questions about your financial situation and future goals through an online survey.

Striking the right balance for the future: While robo-advisors are undoubtedly transforming the wealth management industry, they are not poised to fully replace human advisors.

KEY MARKET INSIGHTS

The global robo advisory market size was valued at USD 6.50 billion in 2023. The market is projected to grow from USD 8.39 billion in 2024 to USD 69.32 billion by 2032, exhibiting a CAGR of 30.2% during the forecast period.

Target Demographic

For robo-advisors, these include Millennial and Generation Z investors who are technology-savvy and still accumulating their investable assets.

History. The first robo-advisor Wealthfront (formerly known as KaChing) was launched in 2008. Thereafter, robo-advisors increased in popularity. The first robo-advisers were used as online interfaces by financial managers to manage and balance clients' assets.

The Robo Advisor Market grew from USD 6.36 billion in 2023 to USD 8.01 billion in 2024. It is expected to continue growing at a CAGR of 26.71%, reaching USD 33.38 billion by 2030.