AI-Powered Investing in 2026: What Robo-Advisors and AI Trading Actually Deliver
AI-Powered Investing in 2026: What Robo-Advisors and AI Trading Actually Deliver TL;DR Robo-advisors have matured into a $20+ billion market in Germany alone, but they’re not the AI revolution you might expect. These platforms offer automated ETF portfolio management with dynamic rebalancing—essentially solving a convenience problem, not a performance one. According to extraETF’s 2025 analysis, only 2 out of 25 robo-advisors beat a simple MSCI World ETF over five years. The German financial community consensus? Robos charge 0.48-1.00% annually for comfort and automation, but DIY investors using a global ETF pay only the fund’s internal costs (around 0.15%). Meanwhile, retail AI trading bots promising market-beating returns remain largely scams or experimental failures. ...