2026 年至 2032 年机器人顾问市场规模（按自动化模式、服务和地区）

机器人顾问市场评估 - 2026-2032

金融服务业对科技和数位平台的日益依赖，推动了机器人顾问的普及。机器人顾问的费用低于传统理财顾问，且投资管理更加便捷，预计到2024年，其市场规模将超过120.2亿美元，到2032年将达到约1097.5亿美元的估值。

再加上年轻、精通技术的投资者对自动化、易于使用的投资解决方案的偏好，也推动了机器人顾问的采用，其先进的演算法可以实现与个人风险状况和目标一致的个人化投资策略，从 2026 年到 2032 年的复合年增长率为 31.84%。

机器人顾问市场定义/概述

机器人顾问是一种自动化的财务规划服务，它利用演算法和软体，在极少人工干预的情况下提供投资管理和财务建议。机器人顾问通常透过线上平台访问，收集用户的财务状况、目标和风险接受度信息，以创建和管理多元化的投资组合。透过提供比传统财务顾问更具成本效益的替代方案，机器人顾问让更多人能够轻鬆进行投资。

机器人顾问的出现改变了投资格局，尤其对于那些寻求低成本、用户友好解决方案的年轻、精通科技的投资者而言。机器人顾问通常透过交易所交易基金 (ETF) 投资股票和债券等一系列资产，并具备自动再平衡和税收损失收集功能。透过利用科技，机器人顾问得以大规模提供个人化投资策略，帮助投资人更轻鬆地实现个人理财目标，同时提升金融知识水准。

数位金融服务的兴起将如何推动机器人顾问的采用？

数位金融服务使用率的上升以及对自动化投资解决方案日益增长的需求，正在推动机器人顾问市场的发展。根据美国证券交易委员会的数据，到2023年，机器人顾问管理的资产规模将达到7,850亿美元，与前一年同期比较成长45%。产业领导者Betterment于2024年2月宣布推出基于人工智慧的增强型投资组合管理系统，而先锋集团（Vanguard）则扩展了其数位顾问平台，新增了个人化的ESG投资选项。

千禧世代和Z世代的金融素养不断提高，加之他们对低成本投资方案的偏好，正在推动市场扩张。美国金融业监管局 (FINRA) 报告称，2023年38%的新散户投资者选择机器人顾问作为其主要投资平台。 2024年3月，嘉信理财在其机器人顾问服务中引入了先进的机器学习演算法，以提供更复杂的税收损失收集策略，而贝莱德的阿拉丁平台则整合了新的预测分析功能。

人工智慧和机器学习技术的进步正在增强机器人咨询服务的能力。欧洲证券和市场管理局 (ESMA) 的记录显示，2023 年，与传统方法相比，机器人咨询的自动投资组合再平衡平均回报率提高了 2.8%。近期的发展包括：Wealthfront 于 2024 年 1 月宣布推出基于人工智慧的下一代风险评估系统；摩根士丹利收购了一家金融科技Start-Ups，以利用自然语言处理能力增强其自动咨询服务。

网路安全和成本是否会限制机器人顾问的采用？

机器人顾问市场面临诸多限制因素，这些因素可能会影响其成长和普及。与传统理财顾问相比，机器人顾问面临的一大挑战是其个人化程度有限。机器人顾问使用演算法根据使用者输入製定投资策略，但可能无法像人类顾问一样，考虑到细緻的财务和个人情况。这种限制可能会导致一些投资者更倾向于透过人际互动来获得更个人化的金融咨询。

另一个限制因素是监理的不确定性。随着机器人顾问产业的发展，监管机构正在製定监管自动化服务的指南和规则。不同地区监管的差异可能会给机器人顾问公司带来合规挑战，增加营运成本，并在某些司法管辖区设定市场进入门槛。这种不确定性也会削弱消费者对这些平台的信任和信心。

市场竞争也是一个关键因素，许多机器人顾问纷纷进入该领域，争取客户。这种饱和导致价格战和利润率下降，使新进入者难以立足。此外，推出自主机器人顾问服务的现有金融机构可以利用其现有的基本客群和品牌信任，这使得独立的机器人顾问难以有效竞争。

目录

第一章 全球机器人顾问市场介绍

• 市场概览
• 研究范围
• 先决条件

第二章执行摘要

第三章：已验证的市场研究调查方法

• 资料探勘
• 验证
• 第一手资料
• 资料来源列表

第四章 全球机器人顾问市场展望

• 概述
• 市场动态
  • 驱动程式
  • 限制因素
  • 机会
• 波特五力模型
• 价值链分析

5. 全球机器人顾问市场（依自动化模式）

• 概述
• 全自动
• 半自动

第六章 全球机器人顾问市场（按服务）

• 概述
• 税收损失收穫
• 投资顾问
• 财富管理
• 个人理财顾问

第七章全球机器人顾问市场（按地区）

• 概述
• 北美洲
  • 美国
  • 加拿大
  • 墨西哥
• 欧洲
  • 德国
  • 英国
  • 法国
  • 其他欧洲国家
• 亚太地区
  • 中国
  • 日本
  • 印度
  • 其他亚太地区
• 其他的
  • 拉丁美洲
  • 中东和非洲

第八章全球机器人顾问市场的竞争格局

• 概述
• 各公司市场排名
• 重点发展策略

第九章 公司简介

• Betterment
• Wealthfront
• Schwab Intelligent Portfolios
• Vanguard Personal Advisor Services
• Fidelity Go
• Acorns
• M1 Finance
• SoFi Invest
• Ellevest
• Personal Capital

第十章 重大进展

• 产品发布/开发
• 合併与收购
• 业务扩展
• 伙伴关係与合作

第十一章 附录

• 相关调查

Robo-Advisor Market Valuation - 2026-2032

The growing reliance on technology and digital platforms for financial services is propelling the adoption of robo-advisor. Robo-advisors offer lower fees compared to traditional financial advisors, making investment management more accessible is driving the market size surpass USD 12.02 Billion valued in 2024 to reach a valuation of around USD 109.75 Billion by 2032.

In addition to this, Younger, tech-savvy investors prefer automated and user-friendly investment solutions is spurring up the adoption of robo-advisor. Advanced algorithms enable personalized investment strategies tailored to individual risk profiles and goals is enabling to the market grow at a CAGR of 31.84% from 2026 to 2032.

Robo-Advisor Market: Definition/ Overview

A robo-advisor is an automated financial planning service that uses algorithms and software to provide investment management and financial advice with minimal human intervention. Typically accessible through online platforms, robo-advisors gather information about a user's financial situation, goals, and risk tolerance to create and manage a diversified investment portfolio. They offer a cost-effective alternative to traditional financial advisors, making investing more accessible to a broader audience.

The application of robo-advisors has transformed the investment landscape, particularly for younger, tech-savvy investors seeking low-cost and user-friendly solutions. They enable individuals to invest in a range of assets, such as stocks and bonds, often through exchange-traded funds (ETFs), with automatic rebalancing and tax-loss harvesting features. By leveraging technology, robo-advisors can provide personalized investment strategies at scale, making it easier for individuals to achieve their financial goals while promoting greater financial literacy.

How will Growing Adoption of Digital Financial Services Increase Adoption of Robo-Advisor?

The growing adoption of digital financial services and increasing demand for automated investment solutions have significantly propelled the robo-advisor market. According to the U.S. Securities and Exchange Commission, assets managed by robo-advisors reached $785 billion in 2023, representing a 45% increase from the previous year. Industry leader Betterment announced in February 2024 the launch of its enhanced AI-powered portfolio management system, while Vanguard expanded its digital advisory platform to include personalized ESG investment options.

Rising financial literacy among millennials and Gen Z, coupled with the preference for low-cost investment solutions, has driven market expansion. The Financial Industry Regulatory Authority (FINRA) reported that 38% of new retail investors in 2023 chose robo-advisors as their primary investment platform. In March 2024, Charles Schwab introduced advanced machine learning algorithms in its robo-advisory service to provide more sophisticated tax-loss harvesting strategies, while BlackRock's Aladdin platform integrated new predictive analytics features.

Technological advancements in artificial intelligence and machine learning have enhanced the capabilities of robo-advisory services. The European Securities and Markets Authority documented that automated portfolio rebalancing by robo-advisors improved average returns by 2.8% compared to traditional methods in 2023. Recent developments include Wealthfront's January 2024 announcement of its next-generation AI-driven risk assessment system, while Morgan Stanley acquired a fintech startup to strengthen its automated advisory offerings with natural language processing capabilities.

Will Cybersecurity and Costs of Robo-Advisor Restrain Its Application?

The robo-advisor market faces several constraints that can affect its growth and adoption. One major challenge is the limited personalization compared to traditional financial advisors. While robo-advisors use algorithms to create investment strategies based on user inputs, they may not account for the nuanced financial situations and personal circumstances that human advisors can address. This limitation can lead some investors to prefer human interaction for more tailored financial advice.

Another restraint is regulatory uncertainty. As the robo-advisor industry evolves, regulatory bodies are still developing guidelines and rules to govern these automated services. Variations in regulations across different regions can create compliance challenges for robo-advisor firms, leading to increased operational costs and potential barriers to market entry in certain jurisdictions. This uncertainty can also hinder consumer trust and confidence in using these platforms.

Market competition is also a significant factor, with numerous robo-advisors entering the space and vying for clients. This saturation can lead to price wars and reduced profit margins, making it challenging for newer entrants to establish themselves. Furthermore, established financial institutions that introduce their own robo-advisory services can leverage their existing customer base and brand trust, making it difficult for independent robo-advisors to compete effectively.

Category-Wise Acumens

Will Rise in Adoption of Fully Automated Robo-Advisors Driving Market Growth?

Fully automated robo-advisors have emerged as the dominant segment in the digital investment management market, offering complete portfolio management without human intervention. The U.S. Federal Reserve reported that fully automated platforms managed 68% of total robo-advisory assets in 2023, reflecting investors' growing confidence in AI-driven investment decisions. Wealthfront announced in March 2024 the launch of its advanced autonomous trading system, incorporating real-time market analysis and automated rebalancing features, while Betterment expanded its fully automated tax-loss harvesting capabilities.

The cost-effectiveness and round-the-clock availability of fully automated services have attracted a broader investor base. According to the Financial Conduct Authority (UK), fully automated robo-advisors reduced investment management fees by an average of 65% compared to traditional advisory services in 2023. In February 2024, SoFi Technologies unveiled its next-generation fully automated platform with enhanced machine learning algorithms, while Vanguard Digital Advisor introduced automated ESG screening and portfolio optimization features.

Which Factors Enhance the Use of Robo-Advisor in Wealth Management?

Wealth management has established itself as the dominant application segment in the robo-advisor market, revolutionizing traditional portfolio management approaches. The U.S. Securities and Exchange Commission reported that automated wealth management platforms handled $425 billion in assets under management in 2023, representing a 55% year-over-year growth. BlackRock announced in March 2024 the expansion of its digital wealth management platform, incorporating advanced AI algorithms for personalized portfolio optimization, while Morgan Stanley enhanced its automated wealth advisory services with predictive analytics capabilities.

The integration of sophisticated tax optimization and estate planning features has strengthened robo-advisors' position in wealth management. According to the Financial Industry Regulatory Authority (FINRA), automated tax-loss harvesting by robo-advisors saved investors an average of 1.8% in tax liabilities during 2023. In February 2024, UBS launched its next-generation wealth management platform featuring AI-driven estate planning tools, while Vanguard introduced automated multi-generational wealth transfer solutions in its digital advisory service.

Country/Region-wise Acumens

Will Early Adoption of Technologies in North America Fuelling Robo-Advisor Market Growth?

North America maintains its leadership in the robo-advisor market through advanced technological infrastructure and high digital financial literacy rates. The U.S. Securities and Exchange Commission reported that North American robo-advisors managed assets worth $550 billion in 2023, representing 48% of the global market share. Vanguard announced in March 2024 the launch of its enhanced digital advisory platform featuring advanced machine learning algorithms, while Charles Schwab expanded its automated investment services to include sophisticated tax-optimization strategies.

Strong regulatory frameworks and increasing adoption of digital wealth management solutions have fueled market growth. According to the Financial Industry Regulatory Authority (FINRA), 42% of American millennials utilized robo-advisory services for their investment decisions in 2023. In February 2024, Fidelity Investments unveiled its next-generation robo-advisory platform with integrated ESG scoring capabilities, while Betterment secured significant funding to expand its AI-powered portfolio management services across the United States and Canada.

Will Rising Middle-Class Population Enhance Adoption of Robo-Advisor in Asia Pacific?

The Asia Pacific robo-advisory market has witnessed remarkable expansion, driven by increasing digital literacy and smartphone penetration across countries like Singapore, Japan, and South Korea. According to a 2023 report by the Monetary Authority of Singapore (MAS), automated investment platforms in the region managed approximately $120 billion in assets, marking a significant 45% increase from the previous year. StashAway, one of the region's prominent robo-advisors, successfully obtained a digital asset management license in Hong Kong, extending its footprint beyond Singapore and Malaysia.

The rising middle-class population and growing acceptance of digital financial services have created fertile ground for robo-advisory services in emerging economies like India and Indonesia. A 2024 survey by the Securities and Exchange Board of India (SEBI) revealed that 28% of first-time retail investors in India now prefer robo-advisory platforms for their investment decisions. Recently, Ant Group's digital wealth management platform in China expanded its algorithmic trading capabilities to include ESG-focused portfolios, catering to environmentally conscious investors.

Competitive Landscape

The robo-advisor market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions, and political support.

The organizations are focusing on innovating their product line to serve the vast population in diverse regions. Some of the prominent players operating in the robo-advisor market include: Betterment, Wealthfront, Schwab Intelligent Portfolios, Vanguard Personal Advisor Services, Fidelity Go, Acorns, M1 Finance, SoFi Invest, Ellevest, Personal Capital, Nutmeg, BMO SmartFolio, Stash, Ally Invest, WiseBanyan, SigFig, Robinhood, Zeta, Breeze, Charles Schwab

Latest Developments

• In October 2023, a major financial institution launched an enhanced robo-advisor platform featuring AI-driven personalized investment strategies tailored to individual risk profiles.
• In September 2023, a fintech startup secured significant funding to expand its robo-advisory services, focusing on sustainable and socially responsible investment options.

Robo-Advisor Market, By Category

• Mode of Automation:
• Fully Automated
• Semi-automated
• Service:
• Tax-loss Harvesting
• Investment Advisors
• Wealth Management
• Personal Financial Advisors
• Region:
• North America
• Europe
• Asia-Pacific
• South America
• Middle East & Africa

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL ROBO-ADVISOR MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL ROBO-ADVISOR MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL ROBO-ADVISOR MARKET, BY MODE OF AUTOMATION

• 5.1 Overview
• 5.2 Fully Automated
• 5.3 Semi-automated

6 GLOBAL ROBO-ADVISOR MARKET, BY SERVICE

• 6.1 Overview
• 6.2 Tax-loss Harvesting
• 6.3 Investment Advisors
• 6.4 Wealth Management
• 6.5 Personal Financial Advisors

7 GLOBAL ROBO-ADVISOR MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Rest of the World
  • 7.5.1 Latin America
  • 7.5.2 Middle East & Africa

8 GLOBAL ROBO-ADVISOR MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 Betterment
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Wealthfront
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 Schwab Intelligent Portfolios
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 Vanguard Personal Advisor Services
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 Fidelity Go
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 Acorns
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Developments
• 9.7 M1 Finance
  • 9.7.1 Overview
  • 9.7.2 Financial Performance
  • 9.7.3 Product Outlook
  • 9.7.4 Key Developments
• 9.8 SoFi Invest
  • 9.8.1 Overview
  • 9.8.2 Financial Performance
  • 9.8.3 Product Outlook
  • 9.8.4 Key Developments
• 9.9 Ellevest
  • 9.9.1 Overview
  • 9.9.2 Financial Performance
  • 9.9.3 Product Outlook
  • 9.9.4 Key Developments
• 9.10 Personal Capital
  • 9.10.1 Overview
  • 9.10.2 Financial Performance
  • 9.10.3 Product Outlook
  • 9.10.4 Key Developments

10 KEY DEVELOPMENTS

• 10.1 Product Launches/Developments
• 10.2 Mergers and Acquisitions
• 10.3 Business Expansions
• 10.4 Partnerships and Collaborations

11 Appendix

• 11.1 Related Research