# Robo-adviser vs DIY investing in the UK

> Investing & ISAs · Last updated 4 July 2026

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## Quick answer

Robo-advisers offer ready-made portfolios with low minimums and automated rebalancing, while DIY platforms give full control but require you to choose funds and manage risk yourself.

UK investors can use execution-only platforms, robo-advisers or full financial advice. Each route is regulated by the FCA but offers different levels of guidance and cost. This guide compares fees, suitability and when each approach fits.

## Key facts

- Robo-advisers typically use questionnaires to assign a risk-rated portfolio of low-cost funds
- DIY platforms charge platform fees plus fund OCFs — you choose asset allocation and rebalance yourself
- Both are execution-only unless you pay for regulated financial advice
- FCA rules require clear fee disclosure and fair value under Consumer Duty

## What robo-advisers do

Robo services ask about goals, time horizon and risk tolerance, then place you in a model portfolio — often passive ETFs or index funds. Many rebalance automatically and offer ISA, pension and GIA wrappers.

They suit beginners who want hands-off investing but still need a defined risk level. They are not the same as personalised financial advice.

## DIY platform advantages

DIY investing suits people who want to pick individual shares, active funds or thematic ETFs. Platforms like general investment accounts and ISAs from major UK brokers offer research tools and wide fund ranges.

You control tax harvesting, asset allocation and timing, but you are responsible for diversification and avoiding emotional trading. Without discipline, DIY investors often underperform simple index funds over the long term.

## Fees and regulation

Compare platform fees, trading costs and fund ongoing charges. A 0.25% robo fee plus 0.15% funds may beat an expensive active fund on a DIY platform if you would otherwise pick high-charge products.

All providers must be FCA-authorised. Check the Financial Services Register and whether your assets are FSCS-protected if the firm fails.

## Frequently asked questions

### Is a robo-adviser giving me advice?

Usually it is guidance or execution-only portfolio management, not full personal advice on your overall finances.

### Can I switch from robo to DIY later?

Yes. You can transfer ISAs and pensions or sell and rebuy in a new platform, using official transfer forms for tax wrappers.

### Which is better for pensions?

Both offer SIPPs and personal pensions. Choose based on fund range, fees and whether you want automatic glidepaths as you approach retirement.

## Primary source

https://www.moneyhelper.org.uk/en/savings/investing

## Related

- [Investment fees explained](https://moneyguide.org.uk/investing/investment-fees-explained/)
- [How to start investing UK](https://moneyguide.org.uk/investing/how-to-start-investing-uk/)

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.