High investment amounts

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 BestRoboAdvisors.org, 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 aforementioned needs.

Robo Advisor Features Expert Rating Visit Site
Your own human advisor
Smart Indexing
Sync all your accounts

Read Review
Visit Site
Premium features
Only 0.4% fee
Dedicated financial planning

Read Review
Visit Site
Only 0.35% fee!
Excellent features
Uses low-cost ETFs

Read Review
Visit Site

This page 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, and whether the fees will change with a larger investment amount
  • 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’re 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’s 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 four of the very best Robo Advisors for investors with over $100,000:

Wealthfront logo


Wealthsimple is an easy-to-use Robo Advisor designed for hands-off investors. Investing $100,000 or more will activate Wealthsimple Black, which reduces your management fee to 0.40% (from 0.50%) and gets you tax loss harvesting and free consultations with a human advisor. If you sign up using our link, your first $10,000 are managed for free for the first year so you can give Wealthsimple a try without paying any fees!

Wealthsimple charges zero fees on transfers and trading activities. All accounts get free automated deposits, automatic rebalancing, and dividend reinvestment. Wealthsimple also shines in regards to halal or values-based investing. This is one of the few Robo Advisors that offers halal choices in your portfolio.

Betterment Logo


If you are a hands-on investor and you want to invest at least $100,000 on a Robo Advisor, you should take a closer look at Betterment.

Betterment Premium will require an initial deposit of $100,000 and charges a 0.40% management fee. The fees are a bit higher but the plan will charge ZERO trading and transfer fees and comes with unlimited rebalancing, personalized financial advice, unlimited email updates, and unlimited access to Betterment’s CFP professionals if you need financial advice.

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.

Betterment Logo

Zacks Advantage

The Zacks Advantage Robo Advisor was a new entrant in 2017 but was able to swiftly garner the attention of both small and large investors alike.

Although Zacks Advantage is more oriented for clients with more than $250,000 to invest, it only charges 0.35% management fees with our link, which is lower than Betterment or Wealthsimple and equal to Wealthfront. Accounts worth $100,000 to $249,999 pay 0.50%.

The service is known for offering a diversified array of investment portfolios and asset classes including floating rate notes and international bonds. All investment accounts get active management, continuous rebalancing and automatic tax loss harvesting (all free for accounts worth over $50,000). This Robo Advisor requires a minimum balance of $25,000.

Wealthfront logo


Wealthfront’s management fee structure is more straightforward. A set figure of 0.25% is charged on all accounts despite the account balance, which means that investors with over $100,000 can enjoy the most competitive and lowest management fees in the world of Robo Advisors.

Wealthfront also includes not only daily Tax Loss Harvesting as standard, but for accounts worth more than $100,000, they activate Risk Parity which balances your risk more intelligently, and Direct Indexing, which harvests 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.

For accounts worth over $500,000, Wealthfront goes one step further and activates Advanced Indexing, which is a more intelligent way to balance the stocks in your portfolio.

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 Betterment, Wealthsimple, Wealthfront, or Zacks Advantage.