Eliminate guesswork, minimize costs and invest hands-free. Guided investing, no experience needed.

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Asset Class Return30d

#39 Rank

In Robo Advisor30d


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Explore a variety of U.S. and global funds and own a part of the world’s most exciting industries, with step-by-step guidance from their team of registered advisors. With Albert you can invest with as little as $1, trade commission-free, and use their automatic investing feature. Albert has two investing options. You can get a custom portfolio by Genius.  Genius eliminates guesswork, minimizes costs and invests hands-free. Share a few details in the app and get a custom portfolio by Genius, tailored to your unique goals and needs. You can also select your own investments from their curated list of funds. Gain access to a range of trending U.S. industries, emerging global markets and popular investment themes.

Things to Know

  • You make money on

    Value + Dividends

  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment


  • Target Return

    7% - 10%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Human guidance with cutting-edge technology

  • Real finance experts in on-demand support team.

  • Endorsed by Forbes, HuffPost, NY Times & more.

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

Stock price appreciation + dividends. For reference: according to historical records, the average annual return from the S&P Index since its inception in 1926 through 2018 is approximately 10%–11%. The average annual return since adopting 500 stocks into the index in 1957 through 2018 is roughly 8%. Adjusted for inflation, the historical average annual return is around 7%. However, it's important to note that each Robo has their own investment strategy that can influence returns.

How Albert makes money

Free for the basic budgeting and saving app; if you want to use the Genius feature, you'll pay a monthly subscription fee of your choice. While $4/month is the minimum amount at which Albert can reasonably operate the service, most customers decide to pay more.

Is it safe?

To date, Albert has raised $173 million in funding, most recently closing a Series C in January 2021 worth $100 million. They have over 5 million active users, who have saved over $500 million through the platform.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You’re Taxed

Capital Gains

Capital Gains

As with any stock realized stock gains, investors are subject to capital gains tax. If gains are realized within one year, you are taxed at your income tax rate. If gains are realized after one year, you are subject to a long-term capital gains tax of 0% to 20%. A common service that some robo-advisors offer through their systems is automatic tax-loss harvesting. Tax-loss harvesting is a deliberate strategy whereby any loss from the sale of a security in a taxable account is used to offset a capital gain or taxable income, thereby reducing the tax paid.


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