Robo-advisors have gained significant popularity in the Netherlands as a convenient and cost-effective investment solution. These automated platforms use advanced algorithms and user-friendly interfaces to empower investors to manage their portfolios and achieve their financial goals. However, with a wide array of Robo-advisors available, it can be challenging to determine which one is the best fit for your needs. That's where Robo-Advisor Finder comes in.
To help you make an informed decision, we've put together a list of the top Robo-advisors in the Netherlands for 2024. We considered key factors like fees, investment options, customer service, and user experience when making our picks.
Here’s a quick list of the top Robo-advisors in the Netherlands:
Brand New Day: Best for retirement and savings accounts
*Pies & Autoinvest is an execution only service, following your own investment decisions. Not investment advice or portfolio management.
Best Robo-advisors in the Netherlands
If you're an investor living in the Netherlands, there are a few things you should keep in mind when choosing a Robo-advisor:
Competitive pricing: You want to make sure you're getting a good deal on your investment management.
Low minimum deposit requirements: Some Robo-advisors have high minimum deposit requirements, so make sure you find one that fits your budget.
The ability to customize investment portfolios: Not everyone has the same investment goals, so you want to make sure you can tailor your portfolio to your needs.
To list the best Robo-advisors in the Netherlands, we've checked different platforms and evaluated those main characteristics, and here are the results of our deep dive research.
Whitebox is a German Robo-advisor that combines automated portfolio management with hybrid investment strategies, blending both active and passive approaches. With a minimum investment of just €25, Whitebox provides accessibility to investors of all levels. Savings plans are also available for the same minimum amount. The platform also offers payout plans for those looking to withdraw funds.
Whitebox offers five different strategies: Value, Value Green, Global, and Global Green, and Interest Portfolio, catering to various investment preferences. These strategies focus on different asset classes, such as stocks, bonds, real estate, and raw materials, with a portfolio allocation of 8 to 13 products.
Whitebox combines classic investments in exchange-traded index funds (ETFs) and exchange-traded commodities (ETCs) with active funds, leveraging the expertise of its investment team. By investing in globally diversified portfolios across different asset classes, Whitebox aims to protect investments from inflation, build wealth, and save valuable time for its clients.
Getting started with Whitebox is a simple three-step process. Investors can select their preferred investment strategy, personalize their investments based on factors such as risk profile and investment amount, and receive a personalized investment proposal via email, free of charge and without obligation.
💵 Minimum balance: $50 to open an account; $500 to invest in Smart Portfolios
💰 Number of strategies: 80+
eToro is a multi-asset brokerage and social trading platform that was founded in 2007. It has become a leading online platform for social investing and trading in a wide range of financial assets, including equities, cryptocurrencies, commodities, Forex, and others.
eToro offers Smart Portfolios, a cutting-edge and automated way for investors to diversify their portfolios and gain exposure to major market trends. These ready-made portfolios are created by eToro analysts and innovative investment startups. There are over 80 Smart Portfolios covering a range of top market themes, trends, and industries, including disruptive technologies, the 5G revolution, renewable energy, the metaverse, and more.
These unique investment strategies provide investors with a convenient and diversified way to invest without incurring portfolio management fees. However, you must choose which Smart Portfolio is right for you, as there is no algorithm to recommend the best one for your profile. To do this, follow these three steps:
Choose a theme: Select a market theme or trend that aligns with your investment beliefs and vision.
Select a Smart Portfolio: Explore the range of Smart Portfolios available and select the one that suits your investment goals and preferences.
Start investing: Most Smart Portfolios require a minimum investment of $500.
Founded in 2002, XTB is a major player in the brokerage industry with extensive worldwide experience, regulated by the Financial Conduct Authority (FCA) - plus other relevant regulatory bodies - and listed on the Warsaw Stock Exchange.
From as low as €15, you can invest in XTB Investment Plans. You can build one or more portfolios (up to 10) based on over 350 ETFs. There is no cost in running any of the XTB Investment Plans. However, you might incur a 0.20% (min €10) ETF transaction fee if your monthly turnover (total amount of the transactions amount) exceeds €100,000. Otherwise, it is commission-free.
Be aware that this is not a “typical” robo-advisor. It does not create your investment plan for you - you are the one who needs to choose the financial instruments. Still, it is a cost-effective and intuitive way to invest for the long-term, automatically, without needing to pay annual management fees charged by other robo-advisors.
XTB Investment Plans homepage
You can invest automatically by selecting a specific amount, deposit period and method.
Finally, there are no restrictions: you can deposit or withdraw anytime and there is no minimum investment period.
Peaks is a Dutch Robo-advisor launched in 2017 that has made investing accessible through innovative user-friendly features on its mobile app. The name "Peaks" references the old Dutch word "piekenpijp", small pipes once used for storing coins and loose change. The platform’s unique "round-ups" feature allows you to invest spare change from daily transactions. They currently have over 100,000 users on their platform.
By integrating automated investing capabilities directly into its mobile app, Peaks became one of the few European Robo-advisors enabling users to invest spare change from bank transactions on a weekly basis with the ability to set up recurring deposits, on a daily, weekly, or monthly basis, to ensure regular investments for long-term wealth growth.
Through their intuitive app, users can choose from four standard portfolios: Cautious, Balanced, Ambitious, and Adventurous. These portfolios consist of globally diversified, sustainable index funds managed by renowned asset managers like BlackRock, UBS, and DWS. Alternatively, you can also customise your own portfolio by selecting individual index funds based on your personal preferences. Additionally, you have the ability to incorporate cryptocurrencies into your portfolio by adding Bitcoin and Ethereum Exchange-Traded Products (ETPs).
Peaks offers the following pricing options in their different packages:
Start: €1.99 per month + 0.5% per year. This package lets you open up to three accounts with different portfolios and customize your own portfolio. You also have the ability to invest with spare change and set up automatic deposits on a daily, weekly, or monthly basis.
Complete: €2.99 per month + 0.4% per year. In addition to the features of the Start package, you can open up to four accounts with different portfolios. The annual fee is reduced to 0.4% per year, providing cost savings over time.
Premium: €4.99 per month + 0.25% per year. With the Premium package, you can enjoy all the benefits of the Complete package, along with the ability to open up to six accounts with different portfolios. The annual fee is further reduced to 0.25% per year, offering even greater cost efficiency.
💰 Number of strategies: A wide range of pies available on the platform
Trading 212 AutoInvest & Pies is a commission-free investment solution offered by Trading 212, a leading fintech company that aims to make financial markets accessible to everyone. It is authorized and regulated by reputable financial authorities, including the Financial Conduct Authority (FCA) and the Bulgarian Financial Supervision Commission (FSC). They have over 3 million funded accounts and £4 billion in assets under management.
One of the standout features of Trading 212 is its AutoInvest & Pies functionality, which lets you create customized portfolios called "Pies" that consist of a selection of stocks and ETFs. You have the flexibility to choose your desired securities and set target weights for each holding within your Pie with the ability to hold up to 50 securities within each pie.
Trading 212 also offers a social community aspect, where users can access a Pie Library, interact with other investors, and even copy Pies created by other community members. With the Auto-invest feature, you can deposit funds and then automatically invest them into your Pie. Moreover, if the investments in your Pie deviate from their target allocations, you can rebalance the Pie at any time by selecting the ‘Rebalance’ option.
Opening an account with Trading 212 is accessible to all, as the platform requires a minimum balance of just €1. Additionally, Trading 212 offers a demo account option, allowing users to practice and familiarize themselves with the platform before committing to real funds.
While Trading 212 AutoInvest & Pies does not charge any fees for auto-investing or creating Pies, it's important to note that a 0.15% foreign exchange fee is applicable for buying assets in a currency different from the account's base currency. Nevertheless, the absence of commission fees for investing and the low entry requirement make Trading 212 an attractive choice for individuals seeking a cost-effective and user-friendly investment platform.
Founded in 2010, Brand New Day is a neobank providing a simplified and accessible investment and savings platform for users in the Netherlands. They currently manage approximately €5 billion for over 250,000 users and have held a banking license since 2017, enabling them to offer retirement savings products best suited for Dutch investors.
Brand New Day takes a scientific and straightforward approach through index investing, involving automatically investing in a diverse range of shares and bonds. Their experts have put together two strategies, Standard and Green, each having five different portfolios that investors can choose from, ranging from very offensive to very defensive portfolio holdings. By investing in these portfolios, you benefit from diversification across approximately 20,000 shares and bonds. Brand New Day also offers the option to automatically reduce the risk of investing. For instance, if your investment horizon is 15 years, they sell part of your equity funds every year and increase your bond holdings.
For those who prefer more flexibility, Brand New Day also offers Do-It-Yourself (DIY) investing, where you have the freedom to choose which funds you want to invest in. However, you are limited to nine equity funds and seven bond funds to choose from.
When it comes to fees, Brand New Day offers different options based on the chosen investment approach. For model portfolios, they charge 0.34% per year. For DIY investing,the fees are slightly higher at 0.44% per year.
Brand New Day Homepage
Best Robo-Advisors in the Netherlands Compared
Best Robo-Advisors in the Netherlands Compared
Final Thoughts
In conclusion, Robo-advisors have become a popular option for investors seeking hassle-free and automated investment solutions. As the number of Robo-advisors in the Netherlands continues to grow, selecting the right one can be challenging.
In this article, we have provided a list of the Netherlands’ best Robo-advisors to help investors narrow down their choices. However, it's important to note that there are many other companies worth considering. We encourage you to review our comprehensive list of Robo-advisors in the Netherlands for further options.
When evaluating Robo-advisors, we recommend visiting their websites to learn about their investment strategies and approaches. Additionally, comparing the fees charged, features, and customer experience are essential steps in the selection process.
A reminder that the above should not be construed as investment advice and should be considered information only. Investors should do their own research and due diligence about the services and opportunities best suited for their risk, returns, and impact strategy.
Wishing you successful and informed investments!
FAQs
What is the best Robo-advisor in the Netherlands?
The best Robo-advisor in the Netherlands can vary depending on your individual preferences, investment goals, and risk tolerance. However, here is a list of Robo-advisors that we think are among the best for Dutch investors:
Brand New Day: Best for retirement and savings accounts
How much does it cost to use a Robo-advisor?
Most Robo-advisors have a very low minimum balance requirement to start investing (you can find Robo-advisors that allow you to start investing starting at $5).
Can I customize my investment portfolio with a Robo-advisor?
The degree of customization may vary between Robo-advisors. Typically, you can select from a range of pre-constructed portfolios based on your risk tolerance, investment goals, and preferences. In addition, some Robo-advisors may offer the option to adjust portfolio allocations based on specific investment preferences or restrictions, or they might suggest personalized strategies.
How much money do I need to invest in a Robo-advisor?
Most Robo-advisors have a very low minimum balance requirement to start investing (you can find Robo-advisors that allow you to start investing starting at €1).
Do Robo-advisors beat the market?
No, most Robo-advisors invest in ETFs and work on matching the performance of a particular market benchmark. So, they tend to closely replicate the market's performance rather than beat it.
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