In short, roboadvisor is basically the renew unit trust using different algorithms to managed the funds thus provides lower fees than unit trust or a human fund manager. However, they all remains the same requires investor to invest long term at least 8 years and above to see good positive results, a short months / years may or may not works well depends on the market situations. Thus out of the 3, or even more, suggestion maybe you could see what make sense of their investment algorith / regime use. Most importantly is the fees that they charge as it's a recurring regular cost that if is relatively high, would eat into your returns. I invested in Stashaway and basically I attend their events, readup review on their algorith / investment theory, check out the fees that fits my budget and read up existing investor review. Check out Seedly comparison: https://blog.seedly.sg/singapore-robo-advisor-investment-comparison/ (Do check their individual website for the fees in case of any updates!) Check out seedly members review for those who were already investors of the robo advisor: https://seedly.sg/reviews/robo-advisors Hope all the above helps you to reach a good conclusions. Cheers!