Wealth comparison · Updated August 2026
Best Retirement and Wealth Platforms of 2026
The 30 best retirement and wealth platforms: robo-advisors, human advice, pensions and 401(k)s. Fees, taxes and minimums compared. Updated August 2026.
★ Editor’s Top Pick · 2026
BView platform
Betterment
Betterment · United StatesOur highest-rated wealth platform this year (4.8/5): The most polished all-round robo · automatic tax-loss harvesting + asset location, 0.25%/yr (or $4/mo below $20k) and a $0 ($10 to start investing) minimum.
Our rating4.8 ★
Advisory fee0.25%/yr
Minimum$0 ($10 to start investing)
Tax featuresAuto TLH
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| Compare → | #1 | #2 WWealthfrontWealthfrontUnited StatesLow feeView | #3 | #4 | #5 | #6 EEmpowerEmpower Wealth ManagementUnited StatesView | #7 | #8 | #9 | #10 | #11 | #12 | #13 | #14 | #15 | #16 | #17 | #18 | #19 | #20 | #21 QQuestradeQuestwealth PortfoliosCanadaLow feeView | #22 | #23 | #24 | #25 | #26 SStashStashUnited StatesView | #27 | #28 | #29 | #30 |
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| Product | Robo-advisor pioneer | Automation-first robo | Index-fund giant, robo pricing | No-fee robo under $25k | Zero-advisory-fee robo | Hybrid human + digital wealth | IRA with a match | Automated pie investing | Robo + member ecosystem | Women-focused investing | Round-up micro-investing | Canada robo leader | Bank-backed hybrid advice | Bank-integrated robo | UK robo leader | Pension consolidation | Target-date fund leader | Flat-fee CFP planning | Small-business 401(k) | SMB retirement plans | Canada low-fee robo | UK/EU hybrid robo | ETF-only platform | SE-Asia digital wealth | CPF & cash advisor (SG) | Learning-first micro-investing | Simple UK robo (Aviva) | Flexible SG wealth app | AU round-up investing | Middle-East digital wealth |
| Welcome offer | Up to 1 year managed free (deposit promos) | +0.50% cash APY boost (referrals) | ~90 days advisory-fee free (intro) | $0 advisory fee below $25,000 | $0 advisory fee (Premium $30/mo + $300 setup) | Free dashboard & retirement planner for anyone | 1% IRA match (3% with Gold) on contributions | Transfer/deposit bonuses (promos) | Member rate discounts across SoFi products | First month free (plans) | $5-20 welcome bonuses (promos) | Transfer bonuses up to ~2% (promos) | Advisory-fee promos for new clients | $0 advisory with 30% cash buffer option | Fee-free periods for new pots (promos) | Find & combine old pensions free | No advisory fee, funds only | Membership covers unlimited planning | Businesses from $89/mo + per-employee fee | Transparent flat employer pricing | Transfer-fee rebates | Fee-free months (promos) | Welcome bonus up to £100 (promos) | Fee-free periods (referrals) | Fee credits for new clients | Stock-Back card earns stock on spending | Cashback offers (promos) | Fee discounts by tier (promos) | Referral bonuses | Fee-free periods (referrals) |
| Our rating | 4.8 ★ | 4.7 ★ | 4.7 ★ | 4.6 ★ | 4.6 ★ | 4.5 ★ | 4.5 ★ | 4.4 ★ | 4.4 ★ | 4.3 ★ | 4.3 ★ | 4.2 ★ | 4.2 ★ | 4.2 ★ | 4.1 ★ | 4.1 ★ | 4.1 ★ | 4.1 ★ | 4.0 ★ | 4.0 ★ | 4.0 ★ | 4.0 ★ | 4.0 ★ | 4.0 ★ | 4.0 ★ | 3.9 ★ | 3.9 ★ | 3.9 ★ | 3.9 ★ | 3.8 ★ |
| Advisory fee | 0.25%/yr (or $4/mo below $20k) | 0.25%/yr | ~0.20%/yr all-in (Personal Advisor 0.30% at $50k+) | $0 under $25k; 0.35%/yr above | $0 (cash allocation is the cost) | 0.89%/yr under $1M (tiers down) | $0 advisory (Gold $5/mo optional) | $0 advisory ($3/mo platform, waived $10k+) | 0.25%/yr | $12/mo flat (Plus/Executive tiers) | $3-12/mo flat tiers | 0.5%/yr (0.4% at $100k+) | 0.6%/yr under $250k (tiers down to 0.4%) | $0 (cash-enhanced) or 0.30%/yr (market-focused) | 0.75% to £100k (0.35% above; + fund costs) | 0.50-0.95%/yr (halves on pots over £100k) | $0 advisory; target funds ~0.5-0.6% ER | ~$2,400-8,000/yr flat (no % of assets) | 0.15-0.35%/yr participant fee | ~0.5%/yr participant + fund costs | 0.25%/yr (0.20% at $100k+) | 0.75% down to 0.35% by size | DIY £0; managed 0.25%/yr | 0.2-0.8%/yr by tier | 0.25-0.60%/yr; 100% trailer-fee rebates | $3-9/mo flat | 0.60%/yr + fund costs | 0.25-0.65%/yr | ~A$4.50-5.50/mo flat tiers | 0.85%/yr down by tier (Invest) |
| Account minimum | $0 ($10 to start investing) | $500 | $100 | $0 ($10 to invest) | $5,000 | $100,000 (advisory) | $0 | $100 ($500 IRA) | $50 | $0 | $0 ($5 to invest) | C$0 ($1 to start) | $25,000 | $100 | £500 (£100 LISA/JISA) | £0 | $2,500 ($1,000 IRA) | $0 | $0 | $0 | C$1,000 | £500 | £100 | S$0 | S$1,000 | $0 | £1 | S$0 | A$0 ($5 to invest) | $5 |
| Fund costs | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) | Low-cost ETF portfolios (~0.05-0.20% fund costs) |
| Account types | Taxable, IRA, Roth, SEP, trusts, 401(k) rollovers | Taxable, IRA, Roth, SEP, 529 plans | Taxable, IRA, Roth, 401(k) integration | Taxable, IRA, Roth, HSA integration | Taxable, IRA, Roth, SEP, trusts | Taxable, IRA, Roth, 401(k) advice | IRA, Roth IRA | Taxable, IRA, Roth, SEP, trusts | Taxable, IRA, Roth, SEP | Taxable, IRA, Roth, 401(k) rollovers | Taxable, IRA (Later), custodial (Early) | TFSA, RRSP, RESP, LIRA, taxable | Taxable, IRA, Roth, rollovers | Taxable, IRA, Roth | ISA, LISA, JISA, pension, GIA | Personal pension (SIPP-style) | IRA, Roth, taxable, 529 | Advice across all account types | 401(k), Safe Harbor, SEP/Starter | 401(k), 403(b) | TFSA, RRSP, RESP, LIRA, taxable | ISA, pension, JISA, GIA | ISA, SIPP, business accounts, GIA | General, SRS (SG) | Cash, CPF, SRS | Taxable, IRA, custodial | ISA, JISA, pension, GIA | General, SRS | General, Super (Raiz Super) | General investing (expat-friendly) |
| Tax optimization | Automatic tax-loss harvesting + asset location | Daily tax-loss harvesting; direct indexing at $100k | Tax-efficient fund placement; TLH on some tiers | Tax-smart placement; no TLH | TLH at $50k+ opt-in | Tax optimization & smart withdrawal ordering | Standard IRA/Roth tax treatment | Tax-minimizing sale order (no TLH) | Standard tax handling; no TLH | Tax-minimized withdrawals | Standard; no TLH | Tax-efficient accounts (TFSA/RRSP native) | Tax-smart portfolios via Chase integration | Standard; no TLH | ISA, LISA & pension wrappers native | UK pension tax relief added automatically | Standard fund tax treatment | Full tax, equity-comp & estate planning | Full 401(k) tax advantages, auto-enrolment | 401(k)/403(b) tax advantages | TFSA/RRSP native | ISA & pension wrappers | ISA & SIPP (fee-free DIY) | SRS accounts supported (SG) | Invests CPF & SRS (unique) | Standard | ISA, JISA, pension | SRS supported | Standard AU treatment | Offshore structures for expats |
| Rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing | Automatic rebalancing |
| Human advisor access | CFP access on Premium (0.65%, $100k min) | No human advisors, deliberately software-only | CFPs via Personal Advisor tier ($50k+) | Coaching access at $25k+ (included) | Unlimited CFP access on Premium | Dedicated human advisors (2 CFPs at $250k+) | No advisors | No advisors | CFP access included for members | Coaching & CFP sessions (discounted add-ons) | No advisors | Advisors on Generation tier ($500k+) | Team of fiduciary advisors, video planning | No dedicated advisors | Guidance team; paid advice add-on | BeeKeepers (service, not advice) | Phone consultants; advisory tiers optional | Dedicated CFP team, the product IS advice | Support team (plan-level) | Onboarding & support teams | Portfolio managers monitor actively | Investment consultants included | No advisors | Wealth advisors on higher tiers | Advisory team access | No advisors | Support team, no advice | Advisors on Black/Gold tiers | No advisors | Advisory calls included |
| Portfolio options | Core, ESG, innovation & crypto portfolios | Automated ETF, direct indexing, bond ladders | Vanguard index funds & target glide paths | Fidelity Flex funds (zero expense ratios) | 51 ETFs; holds a 6-10% cash sleeve | Personalized stock/ETF portfolios | DIY stocks/ETFs or one-tap recommended portfolio | Custom pies of stocks/ETFs + expert pies | Classic, sustainable & alternative mixes | Gender-aware glide paths & impact portfolios | 5 ETF portfolios + ESG + Bitcoin-linked slice | Passive ETF, SRI & halal portfolios | Model portfolios incl. JPM research tilts | Core, income, tax-optimized & socially responsible | Managed, smart-alpha & fixed-allocation | Tracker, Tailored, Shariah, Fossil-Fuel-Free | Actively-managed retirement glide paths | Advice-driven; low-cost fund implementation | Index target-date & custom portfolios | Low-cost index lineups | Active-passive hybrid ETF portfolios | 7 risk levels, ESG variants | 700+ ETFs, one-click portfolios, AutoInvest | ERAA risk-managed global ETFs + thematic | Institutional funds (Dimensional, PIMCO) | DIY fractional shares + Smart Portfolio | 5 styles incl. ethical versions | Core, REIT+, Income+ & themes | 7 diversified portfolios incl. Sapphire (BTC slice) | Global ETFs, halal & crypto options |
| Planning tools | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators | Goal projections & retirement calculators |
| Extras | High-yield cash + checking built in | ~4% cash account + portfolio line of credit | Retirement income planning built around funds | Pairs with free Fidelity retirement tools | Premium adds full financial plan | The best free net-worth & retirement dashboard | The only broker matching IRA deposits like a 401(k) | Borrow & spend tiers on top | IRA 1% match promos; banking under one roof | Career & money coaching library | Round-ups, Later (IRA) & kids accounts | Cash, crypto & tax filing in one app | Chase banking & card ecosystem | Sits beside Ally's top-tier savings | UK tax-wrapper depth (ISA/LISA/JISA/pension) | Drawdown from 55+ in-app | Decades-long top target-date track record | Flat fee beats %-fees at higher balances | Payroll integrations (Gusto, Rippling...) | Built-in compliance & record-keeping | Cheapest managed money in Canada | Advice calls without advice fees | Fractional ETF investing & savings plans | Simple cash-management yield options | Rebates all fund commissions back to you | Earn stock instead of points when you spend | Aviva-backed simplicity | Cash+ yield portfolios | Round-ups + Raiz Rewards cashback into investing | Sarwa Trade for self-directed |
| Protection | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian | SIPC $500k (US) via custodian |
| Platforms | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app | Web + mobile app |
| Support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support | Email & chat support |
| Withdrawals | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply | Withdraw anytime (taxable); retirement rules apply |
| Standout perk | The most polished all-round robo | Best tax automation in the business | Vanguard funds + advice for ~0.20% | Genuinely free management under $25k | No advisory fee at all on the base tier | Free tools even if you never pay | 3% match compounds for decades | Total control with automation on top | CFPs included at a robo price | Planning built around women-specific pay & longevity curves | Investing that happens without noticing | Canadas cleanest money app | Fiduciary advice inside your Chase app | Choose $0 fee or fully-invested | UKs biggest robo, JPM-backed | Old pensions found, merged, visible | Active glide paths that earned their fees | CFP relationship without AUM fees | 401(k)s small firms can actually afford | Hands-off plans for busy employers | Canadian robo fees, halved | Human guidance at robo pricing | Genuinely free DIY ETF investing | Institutional risk logic for everyone | Only robo investing CPF savings | Spending that buys you shares | Start a UK ISA with £1 | REIT-heavy options rare elsewhere | Australias set-and-forget starter | Serves the Gulf expat gap |
| Best for | Hands-off investors starting out | Tax-sensitive DIY delegators | Long-horizon index loyalists | Beginners inside Fidelity | Fee-averse investors with $5k+ | Higher balances wanting humans | Self-directed IRA savers | Rules-based DIY investors | SoFi-ecosystem savers | Values-aligned goal planning | Habit-building beginners | Canadian hands-off savers | Chase loyalists at $25k+ | Ally banking customers | UK ISA & pension starters | Consolidating scattered UK pensions | Target-date believers | Complex finances, flat price | Startups & small employers | SMBs adding retirement benefits | Cost-focused Canadians | UK/EU delegators | UK ETF cost-cutters | Singapore & SE-Asia savers | Singaporean CPF optimizers | Learning by owning | UK micro-starters | Yield-minded SG investors | Australian beginners | UAE & Gulf expats |
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Why starting early matters
Start early. The math does the rest
1889first state pension: retire at 70, life expectancy about 45
about 2×the extra result from starting the same saving ten years earlier
0.25% vs 1%the fee gap in our table. On a big account, a six-figure difference
The best day to start was ten years ago. The second best is today.— Debt & Dynasties
The first state pension came in 1889. Retirement age: 70. Life expectancy: about 45. Pensions were designed for the few who made it. Today you may be retired for 30 years, and most of that money has to come from you.
Time is the main ingredient. Start the same monthly saving ten years earlier and you can end up with about twice as much. The early money simply works longer.
Costs are the silent enemy. A 1% yearly fee sounds small. On a big account over decades, the difference between 1% and 0.25% is a six-figure amount. Check the fee row before anything else.
Then let machines help you: automatic deposits, automatic rebalancing, and tax advantages like 401(k), IRA, ISA or TFSA. Our table shows which of the 30 platforms does what.
How to use this page
01
Choose your type: automatic (robo), human advice, or an account with employer match.
02
Push the fee filter down. Every fee above 0.25% needs a reason.
03
Check the tax row for your country. Tax breaks often beat clever investing.
Why this matters today
Your future self has no lobby. Except you
50-100%instant return on employer-matched money. Take all of it
30+ yearshow long retirement can last. Plan for decades, not years
1standing order. Automation beats willpower every month
State pensions are under pressure everywhere: fewer workers, more retirees, longer lives. Whatever your country pays later, the comfortable part of retirement will come from what you set aside now.
If your employer matches your contributions, take ALL of it first. A match is a guaranteed 50-100% return on the spot. No investment on earth beats it.
Make it automatic. One standing order the day after payday removes the monthly decision. Removing the decision is what makes it happen for 30 years straight.
Then mind the two quiet multipliers: low fees and tax advantages. Both are boring. Both are worth more than any hot stock tip over a lifetime.
Ready to choose?
Frequently asked questions
What is the highest-return retirement move?
Capturing your full employer match. A match is an immediate 50% to 100% return on the money you contribute, which no investment reliably beats. Anything left unmatched is a raise you declined.
How much do retirement platform fees matter?
Enormously, because they compound for decades. The spread between 0.25% and 1% a year in this table works out to a six-figure difference on a large balance across a 30-year retirement.
Robo-advisor or human advisor?
Robo-advisors handle allocation, rebalancing and tax features automatically at the lowest fees and suit most straightforward situations. Human advice earns its higher cost mainly around complex tax, business or estate questions.