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 AdvisorFeaturesExpert RatingVisit Site
Personal Capital Your own human advisor
Smart Indexing over $100k
Sync all of your accounts
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Zacks Advantage Only 0.25% fee for over $100k
Continuous rebalancing
Tax loss harvesting over $50k
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Polaris Portfolios Socially-responsible Investments
Proprietary Investment Strategies
Fully Automated
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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, and whether the fees will change depending on your investment account
  • 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:

Betterment Logo


The management fee structure for the Betterment Robo Advisor was previously structured on a three tier basis. In 2018, Betterment simplified things a bit and is now offering two services: Betterment Digital and Betterment Premium.

  • Betterment Digital offers the traditional hands-off service with no minimum balance, and the service will only cost 0.25%.
  • Betterment Premium is new for 2018 and best for hands-on investors. There is a minimum deposit of $100,000 with a fee of 0.40%

Betterment is still one of the best choices if you want a fully-automated Robo Advisor. The Betterment Digital Plan is 0.25% but it there is no minimum balance to open an account and it offers a wide range of features.

Wealthfront logo


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 will pay lower fees with Wealthfront compared to Betterment Premium.

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.