money safeNot all Robo Advisors are the same. The services they provide can still differ significantly, but not necessarily in terms of quality: they differ according to the needs of investors like you. There are Robo Advisors that are perfect for small investors, and there are some that are best suited for investors with more than $100,000 to invest.

Here at, we do our best to scrutinize the best Robo Advisors in the investing world, making it easier to determine the best choice for you. We know that each individual investor will have varying needs and investment budgets, and we also know that Robo Advisors deal with different ways on how to meet those needs.


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This page in particular will focus on determining the best Robo Advisor for investors with over $100,000 to invest. With that in mind, we will look at these two important characteristics:

  • Management fees structure
  • Added features for investment accounts with a larger balance.

We found out that a vast majority of Robo Advisors will charge management fees based on a percentage of the total amount invested in the service. Simply said, the higher the investment amount, the higher the fees.

If you happen to be an investor with more than $100,000 to invest, you should choose a Robo Advisor with the lowest management fees. But it’s not as simple as it seems. If you have a larger amount to invest, the Robo Advisor will tailor the fee structure in a sliding-scale manner: the percentage fee will decrease when the account balance reaches certain amounts. The amount and the structure of the management fees is a crucial point to consider, most especially if you’re planning to invest more than $100,000.


It is quite logical to choose a Robo Advisor with the lowest fees, but you should also take into account what the service will provide for you, and if the service will improve or offer more features for accounts with larger balances. Many Robo Advisors with low fees may not provide the same number of features as those that charge a bit more. For instance, the provision for tax loss harvesting is either offered as a paid extra, or may only come into action for accounts with larger balances (usually $50,000 and above).

The Best Robo-Advisors for Over $100,000

Taking all of that into account, we have identified two of the very best Robo Advisors for investors with over $100,000:


The management fee structure for the Betterment Robo Advisor is structured on a three tier basis:

  • Accounts below $10,000 pay 0.35%
  • Accounts between $10,000 and $100,000 pay 0.25%
  • Accounts over $100,000 pay just 0.15%

That is exactly the kind of sliding scale which we mentioned above. Keep in mind that the third tier that only charges 0.15% is, in fact, one of the lowest in the market. Betterment also offers tax loss harvesting for balances greater than $50,000. We think this is brilliant because it can further improve the cost-efficiency of the service for taxable accounts.


Wealthfront’s management fee structure is more straightforward, and there are no fees applied to the first $15,000 in an account (if you use our special link). A set figure of 0.25% is then charged on all accounts beyond that threshold, which means that investors with over $100,000 pay a higher level of fees with Wealthfront compared to Betterment, though the fee of 0.25% is still very reasonable.

Wealthfront will also include a Daily Tax Loss Harvesting as standard, and the service also includes Direct Indexing for accounts worth more than $100,000. Direct Indexing will harvest losses from individual securities rather than use a single ETF or index fund. Wealthfront claims that this service could add as much as 2.03% to your annual investment performance.

If you have investments worth more than $100,000 and you wish to entrust them to the best possible Robo Advisor, you can’t go wrong with either Betterment or Wealthfront.