Here's my personal thoughts if you are looking to invest- go with Robo Advisors. If you are looking for entire portfolio mgt advice, perhaps FAs might suit you better. First off understanding todays context, Robo Advisors has entered only within the past few years and been picking up traction recently, undercutting not just FAs but traditional fund managers and fundhouses in terms of attractiveness of charges. In fact, FMs and FHs and now scaling back their margins to simply stay relevant. Essentially, the business models of Robo Advisors has been designed to minimise the inefficiencies of existing traditional structures- going through FAs-FA's company-Investment product's company-before reaching the Fund Management Team(all of whom take a cut along the process). Of course there is the question of whether Robo Advisors perform as well as Traditional Fund Management Teams, but I believe a little researching would reveal Robo Advisors are not much worse off, if at all, to justify the hefty charges of Traditional FMTs, much less transacting bottom up through FAs. That being said, there is still due diligence to be done on the consumers end. There are now plenty of credible Robo Advisors in Singapore- eg. Autowealth, Smartly, Stashaway. In fact, Banks such as OCBC are catching on with RoboAdvisors of their own. My advice- look not just on their charges but beyond that, eg. the teams credibility with managing funds, whether they publish their existing portfolio track record, i.e indicators that show how their algorithms and strategies have been performing against index benchmarks. If such information is not readily available online, set up a meeting with their company team and request for these. Clarify as many queries as you have. As an potential investor, you deserve to know as much there is to know.