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Digital Advice Report
Formerly The Robo Report
Get free access to the industry's most comprehensive analysis and see who topped the charts.
Are you curious about which robo advisors are delivering the best performance? We've analyzed over 45 metrics across the industry to bring you the most detailed rankings and insights.
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Normalized Benchmark
Data last updated: 6/30/2026
Benchmark weights updated at the end of each calendar year. Benchmark updates do not affect performance prior to update.
Returns are net of fees. All returns for periods longer than one year are annualized.
Normalized Benchmark – Equity Portfolio
Normalized Benchmark – Bond Portfolio
Normalized Benchmark Returns
| Benchmark | 2Q 2026 Benchmark | YTD Benchmark | 1-Year Benchmark | 2-Year Benchmark | 3-Year Benchmark | 4-Year Benchmark | 5-Year Benchmark | 6-Year Benchmark | 7-Year Benchmark | 8-Year Benchmark |
|---|---|---|---|---|---|---|---|---|---|---|
| Acorns Normalized Benchmark | 9.33% | 7.97% | 16.55% | 14.32% | 13.62% | 12.64% | 7.01% | -0.30% | -0.30% | 8.69% |
| Ally Invest Robo Portfolios Normalized Benchmark | 9.12% | 7.80% | 16.29% | 14.12% | 13.41% | 12.48% | 6.85% | -0.30% | -0.30% | 8.52% |
| Axos Invest Normalized Benchmark | 10.57% | 9.02% | 18.13% | 15.32% | 14.49% | 13.54% | 7.51% | -0.30% | -0.30% | 9.13% |
| Betterment Normalized Benchmark | 9.43% | 8.06% | 16.99% | 14.73% | 14.11% | 13.29% | 7.31% | -0.30% | -0.30% | 9.04% |
| Betterment Broad Impact SRI Normalized Benchmark | 8.85% | 7.56% | 16.09% | 14.10% | 13.55% | 12.68% | 6.94% | - | - | - |
| Betterment Climate Impact SRI Normalized Benchmark | 8.88% | 7.60% | 16.25% | 14.17% | 13.47% | 12.61% | 6.93% | - | - | - |
| Betterment Social Impact SRI Normalized Benchmark | 8.79% | 7.52% | 15.96% | 13.98% | 13.43% | 12.58% | 6.88% | - | - | - |
| Betterment SRI (legacy) Normalized Benchmark | 8.86% | 7.57% | 16.03% | 14.03% | 13.45% | 12.60% | 6.87% | -0.30% | -0.30% | 8.57% |
| Betterment Innovative Technology Normalized Benchmark | 9.02% | 7.71% | 16.16% | - | - | - | - | - | - | - |
| Citi Wealth Builder Normalized Benchmark | 9.63% | 8.23% | 17.18% | 14.82% | 14.11% | 13.08% | 7.32% | -0.30% | - | - |
| Citizens Bank SpeciFi Normalized Benchmark | 9.92% | 8.47% | 17.56% | 15.09% | 14.44% | 13.52% | 7.50% | -0.30% | -0.30% | - |
| E*Trade Core Normalized Benchmark | 9.59% | 8.20% | 16.82% | 14.48% | 13.88% | 13.10% | 7.24% | -0.30% | -0.30% | 8.81% |
| E*Trade Core SRI Normalized Benchmark | 9.64% | 8.24% | 16.90% | 14.51% | 13.85% | 13.04% | 7.21% | -0.30% | -0.30% | - |
| Edelman Financial Engines (EMAP) Normalized Benchmark | 9.55% | 8.16% | 17.32% | 15.01% | 14.35% | 13.41% | 7.45% | -0.30% | -0.30% | - |
| Fidelity Go Normalized Benchmark | 8.81% | 7.53% | 15.85% | 13.85% | 13.26% | 12.45% | 6.76% | -0.30% | -0.30% | 8.53% |
| Interactive Advisors Normalized Benchmark | 8.00% | 6.84% | 14.64% | 12.95% | 12.35% | 11.57% | 6.14% | -0.30% | -0.30% | - |
| Merrill Guided Investing Normalized Benchmark | 9.19% | 7.85% | 16.34% | 14.12% | 13.37% | 12.48% | 6.84% | -0.30% | -0.30% | 8.58% |
| Merrill Guided Investing SRI Normalized Benchmark | 9.25% | 7.91% | 16.47% | 14.19% | 13.41% | 12.58% | 6.88% | -0.30% | -0.30% | - |
| Empower (Personal Capital) Normalized Benchmark | 10.80% | 9.22% | 19.21% | 16.38% | 15.73% | 14.81% | 8.38% | -0.30% | -0.30% | 10.02% |
| Robinhood Normalized Benchmark | 8.35% | 7.14% | 15.11% | - | - | - | - | - | - | - |
| Schwab Intelligent Portfolios Normalized Benchmark | 8.83% | 7.55% | 16.05% | 14.02% | 13.33% | 12.39% | 6.76% | -0.30% | -0.30% | 8.37% |
| Schwab Domestic Focus Normalized Benchmark | 8.60% | 7.35% | 15.55% | 13.69% | 13.23% | 12.44% | 6.78% | -0.30% | -0.30% | - |
| SigFig Normalized Benchmark | 9.42% | 8.05% | 16.79% | 14.47% | 13.68% | 12.70% | 7.02% | -0.30% | -0.30% | 8.75% |
| SoFi Normalized Benchmark | 9.47% | 8.10% | 16.72% | 14.42% | 13.69% | 12.70% | 7.05% | -0.30% | -0.30% | 8.72% |
| Stash Smart Portfolio Normalized Benchmark | 8.85% | 7.56% | 15.99% | 13.96% | 13.36% | 12.61% | 6.83% | - | - | - |
| T Rowe Price ActivePlus Portfolios IRA Normalized Benchmark | 14.12% | 11.98% | 24.43% | 20.19% | 19.66% | 18.80% | 10.85% | -0.30% | -0.30% | 12.46% |
| TD Automated Investing Normalized Benchmark | 9.62% | 8.22% | 17.50% | 15.13% | 14.40% | 13.47% | - | - | - | - |
| Vanguard Digital Advisor Normalized Benchmark | 7.61% | 6.51% | 14.10% | 12.54% | 11.94% | 11.23% | 6.01% | -0.30% | - | - |
| Vanguard Personal Advisor Normalized Benchmark | 8.94% | 7.64% | 16.18% | 14.11% | 13.44% | 12.51% | 6.89% | -0.30% | -0.30% | 8.61% |
| Wealthfront (Risk 4.0 ; 2016) Normalized Benchmark | 9.37% | 8.01% | 16.85% | 14.57% | 13.83% | 12.99% | 7.04% | -0.30% | -0.30% | 8.89% |
| Wealthfront (Risk 4.0 ; 2018) Normalized Benchmark | 9.84% | 8.41% | 17.50% | 15.01% | 14.21% | 13.25% | 7.34% | -0.30% | -0.30% | 8.89% |
| Wells Fargo Intuitive Investor Normalized Benchmark | 9.47% | 8.10% | 17.12% | 14.85% | 14.20% | 13.29% | 7.30% | -0.30% | -0.30% | 8.95% |
| Webull Normalized Benchmark | 9.28% | 7.93% | 16.58% | - | - | - | - | - | - | - |
| Zacks Advantage Normalized Benchmark | 9.02% | 7.71% | 16.39% | 14.28% | 13.58% | 12.59% | 6.92% | -0.30% | -0.30% | 8.60% |