Robo‑Advisors
Automated investment guidance based on risk profiles.
⚡ LIVE: hover any module
Overview
SGT Robo-Advisor is a digital wealth-management platform that takes a retail investor from a 10-question risk-tolerance quiz to a diversified, low-cost ETF portfolio in under five minutes — then keeps it on target with automatic drift-based rebalancing, dividend reinvestment, and tax-loss harvesting. A human CFP® is one tap away when needed.
Built for first-time investors, busy professionals, retirement savers, and HNW clients who want index-level fees with goal-based planning. Custodial assets sit at SIPC-insured brokers (Apex, IBKR, DriveWealth) so the platform never touches client money directly.
- 0.25% all-in fee — no commissions, no minimum, fractional shares
- 8 model portfolios + custom allocations spanning equities, bonds, REITs, gold, cash
- Tax-loss harvesting — automated, wash-sale safe, captured offsets reported at year-end
- Goal-based planning — retirement, home, college, emergency with Monte-Carlo projection
How It Works
The diagram above shows the four layers of a robo-advisor deployment. Hover any module to see live telemetry.
- Investor App — risk-tolerance slider feeds a target allocation; the 8-slice ETF pie shows current holdings; portfolio value updates in real time; auto-deposit on payday topped up monthly.
- Allocation Engine — modern portfolio theory picks a point on the efficient frontier matching the client's risk score; nightly drift check fires a rebalance trade plan when any sleeve exceeds the 3% threshold; tax-loss harvesting swaps a losing ETF for a non-substantially-identical sibling.
- Custody & Market — orders route to Apex / IBKR / DriveWealth as fractional shares; live ETF quotes, sparklines, and trade tape; settle T+1, SIPC $500K base + $1M excess insurance.
- Advisor & Goals — Monte-Carlo projection cone shows probability of hitting each goal; per-goal progress bar (retirement, home down-payment, emergency fund); 24/7 chat to a CFP® for life events.
A continuous feedback channel pushes goal adjustments, contribution bumps, and risk-score repricing back into the allocation engine — the purple stream along the bottom.
Features
- Risk-tolerance quiz — 10 questions, behavioural & capacity-based, score 1–10
- Model portfolios — Conservative-20 through Aggressive-100, plus ESG, Income, and Custom
- Drift rebalancing — threshold (3%) or scheduled (quarterly), tax-aware order routing
- Tax-loss harvesting — daily scan, IRS wash-sale safe substitution table, IRS form 8949 export
- Direct indexing (premium) — own the underlying single names for deeper TLH on $100K+
- Auto-deposit + DRIP — payday sweeps, dividend reinvestment, round-up purchases
- Goal planner — Monte-Carlo, sensitivity sliders, on-track / catch-up / surplus verdict
- Account types — taxable, IRA (Traditional / Roth / SEP), 401(k) rollover, 529, joint, trust
- CFP® advisor chat — 24/7 in-app, optional video call at premium tier
- Tax reports — 1099-B / 1099-DIV download, gain/loss CSV, TurboTax import
Use Cases
- First-time investor — start with $1, learn through guided onboarding
- Busy professional — set-and-forget retirement contributions with tax optimisation
- HNW client — direct indexing, multi-goal planning, dedicated CFP®
- Family planning — joint goals (home, college, parental care) with shared dashboard
- Embedded finance — white-label robo inside a neobank, telco, or HR-tech platform
- Employer-sponsored — managed-account option inside a 401(k) plan
Specifications
- Custodians: Apex Clearing, IBKR, DriveWealth, Pershing — pick per region
- Asset universe: 200+ low-cost ETFs (Vanguard, iShares, SPDR, Schwab), money-market, T-bills
- Account types: Taxable, IRA (Traditional / Roth / SEP / SIMPLE), 401(k) rollover, 529, Trust, Joint
- Fees: 0.25% AUM standard · 0.40% premium with CFP® · fund expenses 0.04–0.08% pass-through
- Minimums: $0 standard · $100K direct-indexing · $250K premium
- Insurance: SIPC $500K base + $1M excess through custodian; FDIC sweep for idle cash
- Compliance: SEC-registered RIA, Reg-BI suitability, Form ADV-2, best-execution reporting
- Security: SOC-2 Type II, PCI-DSS, AES-256 at rest, TLS 1.3 in transit, MFA + biometric
Customization Options
- Portfolio library — Conservative-20, Balanced-50, Growth-70, Aggressive-100, ESG, Income, Halal, Custom
- ETF universe — Vanguard, iShares, SPDR, Schwab; swap in regional ETFs (UCITS for EU, JEPI for income, Shariah-compliant for Halal)
- Rebalance trigger — drift threshold (1% / 3% / 5%), calendar (monthly / quarterly), or cashflow-only
- Tax-loss harvesting — off / standard / direct-indexing (single-name TLH for $100K+ accounts)
- Account types — Taxable, IRA Trad / Roth / SEP, 401(k) rollover, 529, Trust, Joint, Custodial UGMA
- Custodian — Apex Clearing (US retail), IBKR (global), DriveWealth (fractional / embed), Pershing (HNW)
- Advisor tier — robo-only (0.25%), robo + chat CFP® (0.30%), premium dedicated CFP® (0.40%)
- White-label option — your branding on the app, custom risk quiz, partner-specific portfolios, your fee split
Type
Website
Tier Pricing
1–10 units: $0.00
11–20 units: $0.00
50+ units: $0.00
Price Range
Negotiable
Select Units (MOQ: 1)