16:11 30 June 2025
AI has entered the market, managing investment portfolios
Robo-advisors and investment algorithms are gaining ground, promising lower costs, emotional neutrality, and freedom from human error. Globally, assets managed by robo-advisors are expected to exceed $2.38 trillion by 2029, driven by convenience, affordability, and AI advancements. These tools automatically build and adjust diversified portfolios based on user input like goals, risk tolerance, and time horizon. They also offer tax optimization and help avoid impulsive decisions.
While ideal for beginners, robo-advisors have limitations: lack of human judgment, minimal personalization, and risk if users provide incorrect data. In Poland, the market is emerging but still costly. Despite this, robo-advisors' psychological benefits—discipline, consistency, and emotional insulation—make them valuable allies for long-term investors seeking simplicity and structure.
