Robo-advisors have become popular in Belgium 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 compiled a list of the top Robo-advisors in Belgium for 2023. 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 Belgium :
Founded in 2019, Curvo is a Robo-advisor based in Belgium that provides a seamless and user-friendly investing experience through its mobile app. The platform offers a globally diversified portfolio of index funds tailored to your risk tolerance and financial goals. Curvo's investment management is entrusted to NNEK, a Dutch investment firm supervised by the Dutch finance regulator, providing an additional layer of security through the European Investor Protection Scheme.
They offer five different strategies, each tailored to a specific type of investor: Growth, Energetic, Smooth, Calm, and Protective. These portfolios are monitored on a weekly basis to ensure they remain aligned with the intended asset allocation. If any asset deviates by more than 5%, the portfolio is rebalanced automatically to maintain the desired allocation. Additionally, each fund must meet sustainability criteria, providing assurance that only socially responsible investments are included in the portfolios.
Curvo takes care of taxes and administration, relieving you of the hassle of figuring it out. Their portfolios are exempt from the Belgian transaction tax (TOB). Furthermore, Curvo's user-friendly app grants you 24/7 access to monitor your investment journey and gain valuable insights. The low minimum investment requirement of €50 makes Curvo accessible to investors with varying budgets. They also offer automated monthly investing, allowing you to set up a savings plan for effortless and consistent contributions.
Curvo's pricing structure is transparent and based on the amount of your investment. The fees range from 1.00% for investments below €50,000 to as low as 0.60% for investments exceeding €250,000.
A Spanish Robo-advisor that accepts clients from Belgium and offers a wide range of automatically managed portfolios. They focus on simplicity, transparency, and low costs and provide an innovative way of investing, helping investors achieve their financial objectives.
Key offerings include socially responsible investment options and customization capabilities. Portfolios are available in EUR and USD across 11 risk profiles, incorporating features like global diversification, tax-loss harvesting, and automatic rebalancing. Additionally, InbestMe's mobile app enables convenient portfolio monitoring.
Currently, four ETF strategies are available: Standard, SRI, Dynamic, and Value. The onboarding process is easy and fast, with the ability to open an account online with a minimum investment requirement of €5,000, which also varies based on the strategy. InbestMe also stands out for its cost efficiency, charging between 0.13% and 0.41% per year, depending on the assets under management (AUM).
Larger portfolios over €100,000 gain access to a personal financial advisor offering a higher degree of customization, allowing for tailored investment plans based on your specific preferences and objectives.
Our InbestMe review provides further analysis of their offerings and features.
Established in 2016, Easyvest is another Robo-advisor based in Belgium, specializing in automatically managed portfolios. They also focus on providing tailored savings and pension plans that cater to self-employed individuals, company directors, medical professionals, and employees. Currently, they serve over 2,000 customers and manage assets totaling over €116 million.
Easyvest offers a single strategy that incorporates two key ETFs: the MSCI All Country World IM ETF for tracking global stocks and the JPM Government Bond Index EMU ETF for European government bonds. By blending these ETFs in various proportions, Easyvest has curated 10 risk-efficient portfolios, each corresponding to a specific target risk level. These portfolios range from the least risky option to the most aggressive, allowing investors to align their investments with their risk tolerance.
The Easyvest platform enables users to evaluate their financial situation and investment goals. Whether the objective is capital growth, retirement planning, or generating an annuity, investors can freely simulate various scenarios. Easyvest's algorithms generate personalized investment plans based on the user's input, and these plans can be further refined through phone consultations or in-person meetings with a private portfolio manager.
The minimum amount required to start investing with Easyvest is €5,000, and the annual fees range from 0.5% to 1.0%, depending on the value of your portfolio.
Indexa Capital is a leading Spanish Robo-advisor with a strong presence in Europe, managing over €1.8 billion in assets and serving over 67,000 clients. The platform operates under the supervision of the Spanish regulator, CNMV, and is registered with the Financial Services and Markets Authority (FSMA) in Belgium.
Indexa Capital's strategies are based on three major asset classes: equities, bonds, and inflation-linked assets. They emphasize the importance of diversification and also provide investors with the option to align their portfolios with their values through socially responsible investments. Each strategy offered caters to investors with varying investment amounts, which include portfolios below €10,000, portfolios ranging from €10,000 to €100,000, and portfolios exceeding €100,000. Within each of these three strategies, Indexa Capital further accommodates individual risk preferences by offering ten different portfolio structures.
When opening an account with Indexa Capital, you are required to complete a questionnaire to determine your investor profile. Based on the results, Indexa Capital recommends an investment plan customized to meet your specific needs and preferences.
The minimum investment amount is €3,000, and you can benefit from globally diversified portfolios with low costs ranging between 0.15% and 0.42% per year and automatic rebalancing. For investors with higher amounts, the benefits expand to include increased diversification, reduced management fees, personalized portfolio monitoring, access to a team of professionals, and the option for independent second opinions. It is worth noting that Indexa Capital's website is only available in both Spanish and English.
Saxo Bank, a Danish investment bank, provides SaxoWealthCare as a tailored automated portfolio management solution for Belgian investors. With over 1 million users worldwide benefiting from its services, Saxo Bank is an ideal choice for those seeking an international wealth management company that also offers brokerage services.
SaxoWealthCare takes a personalized approach to portfolio construction, aligning it with each investor's unique objectives and needs. The process begins with a series of questions about your financial situation, investment goals, time horizon, risk tolerance, and willingness to accept potential losses. Based on the responses, SaxoWealthCare creates a customized investment plan and portfolio. As market conditions evolve or your goals change, the portfolio is automatically optimized to stay in line with your objectives. For investors who wish to contribute positively to society and the environment, they also offer the option of an ESG-responsible portfolio, primarily investing in companies with environmental and social objectives. If you prefer a hands-on approach, Saxo Bank also offers SaxoInvestor, a user-friendly platform for self-directed investing that provides access to a wide range of instruments in global markets.
SaxoWealthCare offers additional features to cater to different preferences like the Capital Surveillance feature which provides a more cautious approach, safeguarding a portion of your assets in case of market downturns. Moreover, you have the flexibility to adapt your plan at any time to accommodate changing needs.
You can start investing with SaxoWealthCare starting at €10,000, and their management fee depends on your invested amount, ranging between 0.75% and 0.95% per year. This fee covers all portfolio-related expenses, including transaction fees and currency exchange costs. Fees are calculated daily based on the portfolio's value under management and settled in cash once per quarter.
Best Robo-Advisors in Belgium Compared
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 Belgium continues to grow, selecting the right one can be challenging.
In this article, we have provided a list of Belgium’s 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 Belgium 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!
What is the best Robo-advisor in Belgium?
The best Robo-advisor in Belgium 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 Belgian investors:
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 €5).
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.