Geldanlage

Why AI Still Hasn’t Disrupted Retail Investing — And What That Actually Tells Us TL;DR A recent discussion in r/fintech is asking a deceptively simple question: why hasn’t AI fully disrupted retail investing yet? Despite years of hype, tools like Personal Capital’s ML-powered platform represent incremental progress rather than wholesale transformation. The gap between AI’s promise and its real-world impact on everyday investors is real, and the fintech community is starting to call it out. This article digs into what the conversation reveals — and what it might mean for the future of investing. ...

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. ...