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1736429

2026 年至 2032 年機器人顧問市場規模（按自動化模式、服務和地區）

Robo-Advisor Market Size By Mode Of Automation (Fully Automated, Semi-Automated), By Services (Tax-Loss Harvesting, Investment Advisors), And Region For 2026-2032

出版日期: 2025年05月02日 | 出版商:

Verified Market Research | 英文 202 Pages | 商品交期: 2-3個工作天內

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簡介目錄

機器人顧問市場評估 - 2026-2032

金融服務業對科技和數位平台的日益依賴，推動了機器人顧問的普及。機器人顧問的費用低於傳統理財顧問，且投資管理更加便捷，預計到2024年，其市場規模將超過120.2億美元，到2032年將達到約1097.5億美元的估值。

再加上年輕、精通技術的投資者對自動化、易於使用的投資解決方案的偏好，也推動了機器人顧問的採用，其先進的演算法可以實現與個人風險狀況和目標一致的個人化投資策略，從 2026 年到 2032 年的複合年成長率為 31.84%。

機器人顧問市場定義/概述

機器人顧問是一種自動化的財務規劃服務，它利用演算法和軟體，在極少人工干預的情況下提供投資管理和財務建議。機器人顧問通常透過線上平台訪問，收集用戶的財務狀況、目標和風險接受度資訊，以創建和管理多元化的投資組合。透過提供比傳統財務顧問更具成本效益的替代方案，機器人顧問讓更多人能夠輕鬆進行投資。

機器人顧問的出現改變了投資格局，尤其對於那些尋求低成本、方便用戶使用解決方案的年輕、精通科技的投資者而言。機器人顧問通常透過交易所交易基金 (ETF) 投資股票和債券等一系列資產，並具備自動再平衡和稅收損失收集功能。透過利用科技，機器人顧問得以大規模提供個人化投資策略，幫助投資人更輕鬆地實現個人理財目標，同時提升金融知識水準。

數位金融服務的興起將如何推動機器人顧問的採用？

數位金融服務使用率的上升以及對自動化投資解決方案日益成長的需求，正在推動機器人顧問市場的發展。根據美國證券交易委員會的數據，到2023年，機器人顧問管理的資產規模將達到7,850億美元，與前一年同期比較成長45%。產業領導者Betterment於2024年2月宣布推出基於人工智慧的增強型投資組合管理系統，而先鋒集團（Vanguard）則擴展了其數位顧問平台，新增了個人化的ESG投資選項。

千禧世代和Z世代的金融素養不斷提高，加之他們對低成本投資方案的偏好，正在推動市場擴張。美國金融業監管局 (FINRA) 報告稱，2023年38%的新散戶投資者選擇機器人顧問作為其主要投資平台。 2024年3月，嘉信理財在其機器人顧問服務中引入了先進的機器學習演算法，以提供更複雜的稅收損失收集策略，而貝萊德的阿拉丁平台則整合了新的預測分析功能。

人工智慧和機器學習技術的進步正在增強機器人諮詢服務的能力。歐洲證券和市場管理局 (ESMA) 的記錄顯示，2023 年，與傳統方法相比，機器人諮詢的自動投資組合再平衡平均回報率提高了 2.8%。近期的發展包括：Wealthfront 於 2024 年 1 月宣布推出基於人工智慧的下一代風險評估系統；摩根士丹利收購了一家金融科技Start-Ups，以利用自然語言處理能力增強其自動諮詢服務。

網路安全和成本是否會限制機器人顧問的採用？

機器人顧問市場面臨諸多限制因素，這些因素可能會影響其成長和普及。與傳統理財顧問相比，機器人顧問面臨的一大挑戰是其個人化程度有限。機器人顧問使用演算法根據使用者輸入製定投資策略，但可能無法像人類顧問一樣，考慮到細緻的財務和個人情況。這種限制可能會導致一些投資者更傾向於透過人際互動來獲得更個人化的金融諮詢。

另一個限制因素是監理的不確定性。隨著機器人顧問產業的發展，監管機構正在製定監管自動化服務的指南和規則。不同地區監管的差異可能會給機器人顧問公司帶來合規挑戰，增加營運成本，並在某些司法管轄區設定市場進入門檻。這種不確定性也會削弱消費者對這些平台的信任和信心。

市場競爭也是一個關鍵因素，許多機器人顧問紛紛進入該領域，爭取客戶。這種飽和導致價格戰和利潤率下降，使新進入者難以立足。此外，推出自主機器人顧問服務的現有金融機構可以利用其現有的基本客群和品牌信任，這使得獨立的機器人顧問難以有效競爭。

The growing reliance on technology and digital platforms for financial services is propelling the adoption of robo-advisor. Robo-advisors offer lower fees compared to traditional financial advisors, making investment management more accessible is driving the market size surpass USD 12.02 Billion valued in 2024 to reach a valuation of around USD 109.75 Billion by 2032.

In addition to this, Younger, tech-savvy investors prefer automated and user-friendly investment solutions is spurring up the adoption of robo-advisor. Advanced algorithms enable personalized investment strategies tailored to individual risk profiles and goals is enabling to the market grow at a CAGR of 31.84% from 2026 to 2032.

Robo-Advisor Market: Definition/ Overview

A robo-advisor is an automated financial planning service that uses algorithms and software to provide investment management and financial advice with minimal human intervention. Typically accessible through online platforms, robo-advisors gather information about a user's financial situation, goals, and risk tolerance to create and manage a diversified investment portfolio. They offer a cost-effective alternative to traditional financial advisors, making investing more accessible to a broader audience.

The application of robo-advisors has transformed the investment landscape, particularly for younger, tech-savvy investors seeking low-cost and user-friendly solutions. They enable individuals to invest in a range of assets, such as stocks and bonds, often through exchange-traded funds (ETFs), with automatic rebalancing and tax-loss harvesting features. By leveraging technology, robo-advisors can provide personalized investment strategies at scale, making it easier for individuals to achieve their financial goals while promoting greater financial literacy.

How will Growing Adoption of Digital Financial Services Increase Adoption of Robo-Advisor?

The growing adoption of digital financial services and increasing demand for automated investment solutions have significantly propelled the robo-advisor market. According to the U.S. Securities and Exchange Commission, assets managed by robo-advisors reached $785 billion in 2023, representing a 45% increase from the previous year. Industry leader Betterment announced in February 2024 the launch of its enhanced AI-powered portfolio management system, while Vanguard expanded its digital advisory platform to include personalized ESG investment options.

Rising financial literacy among millennials and Gen Z, coupled with the preference for low-cost investment solutions, has driven market expansion. The Financial Industry Regulatory Authority (FINRA) reported that 38% of new retail investors in 2023 chose robo-advisors as their primary investment platform. In March 2024, Charles Schwab introduced advanced machine learning algorithms in its robo-advisory service to provide more sophisticated tax-loss harvesting strategies, while BlackRock's Aladdin platform integrated new predictive analytics features.

Technological advancements in artificial intelligence and machine learning have enhanced the capabilities of robo-advisory services. The European Securities and Markets Authority documented that automated portfolio rebalancing by robo-advisors improved average returns by 2.8% compared to traditional methods in 2023. Recent developments include Wealthfront's January 2024 announcement of its next-generation AI-driven risk assessment system, while Morgan Stanley acquired a fintech startup to strengthen its automated advisory offerings with natural language processing capabilities.

Will Cybersecurity and Costs of Robo-Advisor Restrain Its Application?

The robo-advisor market faces several constraints that can affect its growth and adoption. One major challenge is the limited personalization compared to traditional financial advisors. While robo-advisors use algorithms to create investment strategies based on user inputs, they may not account for the nuanced financial situations and personal circumstances that human advisors can address. This limitation can lead some investors to prefer human interaction for more tailored financial advice.

Another restraint is regulatory uncertainty. As the robo-advisor industry evolves, regulatory bodies are still developing guidelines and rules to govern these automated services. Variations in regulations across different regions can create compliance challenges for robo-advisor firms, leading to increased operational costs and potential barriers to market entry in certain jurisdictions. This uncertainty can also hinder consumer trust and confidence in using these platforms.

Market competition is also a significant factor, with numerous robo-advisors entering the space and vying for clients. This saturation can lead to price wars and reduced profit margins, making it challenging for newer entrants to establish themselves. Furthermore, established financial institutions that introduce their own robo-advisory services can leverage their existing customer base and brand trust, making it difficult for independent robo-advisors to compete effectively.

Category-Wise Acumens

Will Rise in Adoption of Fully Automated Robo-Advisors Driving Market Growth?

Fully automated robo-advisors have emerged as the dominant segment in the digital investment management market, offering complete portfolio management without human intervention. The U.S. Federal Reserve reported that fully automated platforms managed 68% of total robo-advisory assets in 2023, reflecting investors' growing confidence in AI-driven investment decisions. Wealthfront announced in March 2024 the launch of its advanced autonomous trading system, incorporating real-time market analysis and automated rebalancing features, while Betterment expanded its fully automated tax-loss harvesting capabilities.

The cost-effectiveness and round-the-clock availability of fully automated services have attracted a broader investor base. According to the Financial Conduct Authority (UK), fully automated robo-advisors reduced investment management fees by an average of 65% compared to traditional advisory services in 2023. In February 2024, SoFi Technologies unveiled its next-generation fully automated platform with enhanced machine learning algorithms, while Vanguard Digital Advisor introduced automated ESG screening and portfolio optimization features.

Which Factors Enhance the Use of Robo-Advisor in Wealth Management?

Wealth management has established itself as the dominant application segment in the robo-advisor market, revolutionizing traditional portfolio management approaches. The U.S. Securities and Exchange Commission reported that automated wealth management platforms handled $425 billion in assets under management in 2023, representing a 55% year-over-year growth. BlackRock announced in March 2024 the expansion of its digital wealth management platform, incorporating advanced AI algorithms for personalized portfolio optimization, while Morgan Stanley enhanced its automated wealth advisory services with predictive analytics capabilities.

The integration of sophisticated tax optimization and estate planning features has strengthened robo-advisors' position in wealth management. According to the Financial Industry Regulatory Authority (FINRA), automated tax-loss harvesting by robo-advisors saved investors an average of 1.8% in tax liabilities during 2023. In February 2024, UBS launched its next-generation wealth management platform featuring AI-driven estate planning tools, while Vanguard introduced automated multi-generational wealth transfer solutions in its digital advisory service.

Country/Region-wise Acumens

Will Early Adoption of Technologies in North America Fuelling Robo-Advisor Market Growth?

North America maintains its leadership in the robo-advisor market through advanced technological infrastructure and high digital financial literacy rates. The U.S. Securities and Exchange Commission reported that North American robo-advisors managed assets worth $550 billion in 2023, representing 48% of the global market share. Vanguard announced in March 2024 the launch of its enhanced digital advisory platform featuring advanced machine learning algorithms, while Charles Schwab expanded its automated investment services to include sophisticated tax-optimization strategies.

Strong regulatory frameworks and increasing adoption of digital wealth management solutions have fueled market growth. According to the Financial Industry Regulatory Authority (FINRA), 42% of American millennials utilized robo-advisory services for their investment decisions in 2023. In February 2024, Fidelity Investments unveiled its next-generation robo-advisory platform with integrated ESG scoring capabilities, while Betterment secured significant funding to expand its AI-powered portfolio management services across the United States and Canada.

Will Rising Middle-Class Population Enhance Adoption of Robo-Advisor in Asia Pacific?

The Asia Pacific robo-advisory market has witnessed remarkable expansion, driven by increasing digital literacy and smartphone penetration across countries like Singapore, Japan, and South Korea. According to a 2023 report by the Monetary Authority of Singapore (MAS), automated investment platforms in the region managed approximately $120 billion in assets, marking a significant 45% increase from the previous year. StashAway, one of the region's prominent robo-advisors, successfully obtained a digital asset management license in Hong Kong, extending its footprint beyond Singapore and Malaysia.

The rising middle-class population and growing acceptance of digital financial services have created fertile ground for robo-advisory services in emerging economies like India and Indonesia. A 2024 survey by the Securities and Exchange Board of India (SEBI) revealed that 28% of first-time retail investors in India now prefer robo-advisory platforms for their investment decisions. Recently, Ant Group's digital wealth management platform in China expanded its algorithmic trading capabilities to include ESG-focused portfolios, catering to environmentally conscious investors.

Competitive Landscape

The robo-advisor market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions, and political support.

The organizations are focusing on innovating their product line to serve the vast population in diverse regions. Some of the prominent players operating in the robo-advisor market include: Betterment, Wealthfront, Schwab Intelligent Portfolios, Vanguard Personal Advisor Services, Fidelity Go, Acorns, M1 Finance, SoFi Invest, Ellevest, Personal Capital, Nutmeg, BMO SmartFolio, Stash, Ally Invest, WiseBanyan, SigFig, Robinhood, Zeta, Breeze, Charles Schwab

Latest Developments

In October 2023, a major financial institution launched an enhanced robo-advisor platform featuring AI-driven personalized investment strategies tailored to individual risk profiles.
In September 2023, a fintech startup secured significant funding to expand its robo-advisory services, focusing on sustainable and socially responsible investment options.

1 INTRODUCTION OF GLOBAL ROBO-ADVISOR MARKET

1.1 Overview of the Market
1.2 Scope of Report
1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

3.1 Data Mining
3.2 Validation
3.3 Primary Interviews
3.4 List of Data Sources

4 GLOBAL ROBO-ADVISOR MARKET OUTLOOK

4.1 Overview
4.2 Market Dynamics
- 4.2.1 Drivers
- 4.2.2 Restraints
- 4.2.3 Opportunities
4.3 Porters Five Force Model
4.4 Value Chain Analysis

5 GLOBAL ROBO-ADVISOR MARKET, BY MODE OF AUTOMATION

5.1 Overview
5.2 Fully Automated
5.3 Semi-automated

6 GLOBAL ROBO-ADVISOR MARKET, BY SERVICE

6.1 Overview
6.2 Tax-loss Harvesting
6.3 Investment Advisors
6.4 Wealth Management
6.5 Personal Financial Advisors

7 GLOBAL ROBO-ADVISOR MARKET, BY GEOGRAPHY

7.1 Overview
7.2 North America
- 7.2.1 U.S.
- 7.2.2 Canada
- 7.2.3 Mexico
7.3 Europe
- 7.3.1 Germany
- 7.3.2 U.K.
- 7.3.3 France
- 7.3.4 Rest of Europe
7.4 Asia Pacific
- 7.4.1 China
- 7.4.2 Japan
- 7.4.3 India
- 7.4.4 Rest of Asia Pacific
7.5 Rest of the World
- 7.5.1 Latin America
- 7.5.2 Middle East & Africa

8 GLOBAL ROBO-ADVISOR MARKET COMPETITIVE LANDSCAPE

8.1 Overview
8.2 Company Market Ranking
8.3 Key Development Strategies

9 COMPANY PROFILES

9.1 Betterment
- 9.1.1 Overview
- 9.1.2 Financial Performance
- 9.1.3 Product Outlook
- 9.1.4 Key Developments
9.2 Wealthfront
- 9.2.1 Overview
- 9.2.2 Financial Performance
- 9.2.3 Product Outlook
- 9.2.4 Key Developments
9.3 Schwab Intelligent Portfolios
- 9.3.1 Overview
- 9.3.2 Financial Performance
- 9.3.3 Product Outlook
- 9.3.4 Key Developments
9.4 Vanguard Personal Advisor Services
- 9.4.1 Overview
- 9.4.2 Financial Performance
- 9.4.3 Product Outlook
- 9.4.4 Key Developments
9.5 Fidelity Go
- 9.5.1 Overview
- 9.5.2 Financial Performance
- 9.5.3 Product Outlook
- 9.5.4 Key Developments
9.6 Acorns
- 9.6.1 Overview
- 9.6.2 Financial Performance
- 9.6.3 Product Outlook
- 9.6.4 Key Developments
9.7 M1 Finance
- 9.7.1 Overview
- 9.7.2 Financial Performance
- 9.7.3 Product Outlook
- 9.7.4 Key Developments
9.8 SoFi Invest
- 9.8.1 Overview
- 9.8.2 Financial Performance
- 9.8.3 Product Outlook
- 9.8.4 Key Developments
9.9 Ellevest
- 9.9.1 Overview
- 9.9.2 Financial Performance
- 9.9.3 Product Outlook
- 9.9.4 Key Developments
9.10 Personal Capital
- 9.10.1 Overview
- 9.10.2 Financial Performance
- 9.10.3 Product Outlook
- 9.10.4 Key Developments