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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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Risk/Return Statistics
Data last updated as of: 6/30/2026
Risk/Return Statistics Table ~60/40 Allocations
| Portfolio | 1-Year Sharpe Ratio | 1-Year Standard Deviation | 3-Year Sharpe Ratio | 3-Year Standard Deviation | 5-Year Sharpe Ratio | 5-Year Standard Deviation | 8-Year Sharpe Ratio | 8-Year Standard Deviation |
|---|---|---|---|---|---|---|---|---|
| Acorns | 1.25 | 9.14% | 1.03 | 9.63% | 0.18 | 10.53% | 0.32 | 11.82% |
| Ally Invest Robo Portfolios | 1.36 | 9.06% | 1.12 | 9.56% | 0.27 | 10.47% | 0.38 | 11.30% |
| Axos Invest | 1.19 | 8.58% | 1.08 | 9.97% | 0.26 | 11.38% | 0.42 | 12.55% |
| Betterment | 1.58 | 9.33% | 1.17 | 10.06% | 0.28 | 11.40% | 0.34 | 12.74% |
| Betterment Broad Impact SRI | 1.36 | 9.05% | 1.12 | 9.71% | 0.27 | 10.78% | - | - |
| Betterment Climate Impact SRI | 1.3 | 8.99% | 1.17 | 9.81% | 0.3 | 10.82% | - | - |
| Betterment Social Impact SRI | 1.4 | 8.94% | 1.17 | 9.65% | 0.26 | 10.75% | - | - |
| Betterment SRI (legacy) | 1.53 | 9.22% | 1.12 | 9.72% | 0.26 | 10.74% | - | - |
| Betterment Innovative Technology | 1.54 | 10.54% | - | - | - | - | - | - |
| Citi Wealth Builder | 1.36 | 9.66% | 1.18 | 10.20% | 0.31 | 10.79% | - | - |
| Citizens Bank SpeciFi | 1.39 | 10.09% | 1.15 | 10.46% | 0.27 | 11.48% | - | - |
| E*Trade Core | 1.44 | 9.33% | 1.15 | 10.00% | 0.25 | 10.98% | 0.37 | 11.99% |
| E*Trade Core SRI | 1.47 | 9.94% | 1.06 | 10.20% | 0.3 | 10.91% | - | - |
| Edelman Financial Engines (EMAP) | 1.18 | 9.41% | 0.9 | 10.58% | 0.12 | 11.83% | - | - |
| Fidelity Go | 1.65 | 8.16% | 1.33 | 8.66% | 0.42 | 9.83% | 0.49 | 11.21% |
| Interactive Advisors | 1.34 | 7.94% | 1.06 | 8.61% | 0.17 | 9.48% | - | - |
| Merrill Guided Investing | 1.54 | 8.72% | 1.1 | 9.45% | 0.32 | 10.35% | 0.39 | 11.61% |
| Merrill Guided Investing SRI | 1.33 | 9.20% | 1.08 | 10.00% | 0.24 | 11.09% | - | - |
| Empower (Personal Capital) | 1.4 | 9.40% | 1.12 | 10.37% | 0.31 | 11.69% | 0.38 | 13.07% |
| Robinhood | 1.19 | 8.26% | - | - | - | - | - | - |
| Schwab Intelligent Portfolios | 1.69 | 8.50% | 1.18 | 9.04% | 0.31 | 9.74% | 0.33 | 11.50% |
| Schwab Domestic Focus | 1.97 | 7.89% | 1.21 | 8.96% | 0.36 | 10.28% | - | - |
| SigFig | 1.39 | 9.47% | 1.2 | 9.83% | 0.3 | 10.60% | 0.44 | 11.58% |
| SoFi | 1.51 | 10.39% | 1.25 | 10.57% | 0.4 | 11.22% | 0.47 | 11.63% |
| Stash Smart Portfolio | 1.23 | 8.50% | 1.12 | 9.34% | 0.18 | 11.11% | - | - |
| TD Automated Investing | 1.44 | 9.39% | 1.17 | 10.47% | - | - | - | - |
| Vanguard Digital Advisor | 1.26 | 7.76% | 1.18 | 8.41% | 0.25 | 9.63% | - | - |
| Vanguard Personal Advisor | 1.55 | 8.55% | 1.27 | 8.97% | 0.37 | 9.90% | 0.44 | 11.38% |
| Wealthfront (Risk 4.0 ; 2016) | 1.69 | 8.59% | 1.2 | 9.42% | 0.38 | 10.60% | 0.44 | 12.59% |
| Wealthfront (Risk 4.0 ; 2018) | 1.51 | 8.83% | 1.2 | 9.62% | 0.34 | 10.48% | - | - |
| Wells Fargo Intuitive Investor | 1.42 | 8.75% | 1.17 | 10.24% | 0.22 | 11.68% | - | - |
| Webull | 1.25 | 9.21% | - | - | - | - | - | - |
| Zacks Advantage | 1.37 | 8.11% | 1.06 | 9.29% | 0.32 | 10.29% | - | - |
Risk/Return Statistics Table Non-60/40 Allocations
| Portfolio | 1-Year Sharpe Ratio | 1-Year Standard Deviation | 3-Year Sharpe Ratio | 3-Year Standard Deviation | 5-Year Sharpe Ratio | 5-Year Standard Deviation | 8-Year Sharpe Ratio | 8-Year Standard Deviation |
|---|---|---|---|---|---|---|---|---|
| T Rowe Price ActivePlus Portfolios IRA | 1.32 | 14.33% | 1.02 | 14.90% | 0.27 | 17.20% | - | - |
Risk/Return Charts
8-Year Sharpe Ratio & Standard Deviation
5-Year Sharpe Ratio & Standard Deviation
3-Year Sharpe Ratio & Standard Deviation
1-Year Sharpe Ratio & Standard Deviation
