ロボアドバイザーの市場規模：自動化モード別、サービス別、地域別、2026～2032年

ロボアドバイザー市場の評価-2026～2032年

金融サービスにおける技術とデジタルプラットフォームへの依存の高まりが、ロボアドバイザーの採用を後押ししています。ロボアドバイザーは、従来型ファイナンシャル・アドバイザーと比較して低手数料を提供し、投資管理をより身近なものにすることで、市場規模は2024年に120億2,000万米ドルを突破し、2032年には約1,097億5,000万米ドルの評価額に達します。

これに加えて、技術に精通した若い投資家が自動化された使いやすい投資ソリューションを好むことも、ロボアドバイザーの採用に拍車をかけています。先進的アルゴリズムにより、個人のリスクプロファイルや目標に合わせたパーソナライズされた投資戦略が可能となり、2026～2032年のCAGRは31.84%となっています。

ロボアドバイザー市場定義/概要

ロボアドバイザーとは、アルゴリズムとソフトウェアを使用して、人間の介入を最小限に抑えながら投資管理や財務アドバイスを提供する自動化されたファイナンシャル・プランニングサービスです。通常、オンラインプラットフォームを通じてアクセスできるロボアドバイザーは、ユーザーの財務状況、目標、リスク許容度に関する情報を収集し、分散投資ポートフォリオを作成・管理します。従来型ファイナンシャル・アドバイザーに代わる費用対効果の高い選択肢を提供することで、より多くの人々が投資を身近に感じられるようになります。

ロボアドバイザーの活用は、特に低コストでユーザーフレンドリーなソリューションを求める、技術に精通した若い投資家にとって、投資環境を一変させました。ロボアドバイザーは、株式や債券など様々な資産への投資を可能にし、多くの場合、上場投資信託（ETF）を通じて、自動リバランスやタックスロス・ハーベスティング機能を備えています。技術を活用することで、ロボアドバイザーはパーソナライズされた投資戦略を大規模に提供することができ、金融リテラシーの向上を促進しながら、個人の財務目標の達成を容易にします。

デジタル金融サービスの普及がロボアドバイザーの導入をどのように促進するか？

デジタル金融サービスの普及と自動化された投資ソリューションへの需要の高まりが、ロボアドバイザー市場を大きく後押ししています。米国証券取引委員会によると、ロボアドバイザーが運用する資産は2023年に7,850億米ドルに達し、前年比45％増となります。産業のリーダーであるベターメントは2024年2月、AIを活用した強化型ポートフォリオ管理システムのローンチを発表し、バンガードはデジタルアドバイザリープラットフォームを拡大し、パーソナライズされたESG投資オプションを追加しました。

ミレニアル世代とZ世代における金融リテラシーの向上が、低コストの投資ソリューションの選好と相まって、市場拡大を後押ししています。金融規制機構（FINRA）は、2023年の新規個人投資家の38％が主要投資プラットフォームとしてロボアドバイザーを選択したと報告しています。2024年3月、チャールズ・シュワブはロボアドバイザリーサービスに先進的機械学習アルゴリズムを導入し、より洗練されたタックスロス・ハーベスティング戦略を提供する一方、ブラックロックのアラジンプラットフォームは新たな予測分析機能を統合しました。

人工知能と機械学習の技術的進歩により、ロボアドバイザリーサービスの機能が強化されています。欧州証券市場庁は、ロボアドバイザーによる自動ポートフォリオ・リバランシングが2023年に従来型手法と比較して平均リターンを2.8％改善したと文書化しています。最近の動向としては、ウェルスフロントが2024年1月にAIを活用した次世代リスク評価システムを発表したほか、モルガン・スタンレーがフィンテックのスタートアップを買収し、自然言語処理機能を活用した自動アドバイザリーサービスの強化を図っています。

サイバーセキュリティとコストはロボアドバイザーの適用を抑制するか？

ロボアドバイザー市場は、その成長と普及に影響を与えうるいくつかの制約に直面しています。大きな課題の1つは、従来型ファイナンシャル・アドバイザーに比べてパーソナライゼーションが限定的であることです。ロボアドバイザーはアルゴリズムを使用してユーザーの入力に基づいて投資戦略を作成するが、人間のアドバイザーが対応できるような微妙な財務状況や個人的な状況を考慮できない可能性があります。この制限により、一部の投資家は、よりカスタマイズ型金融アドバイスのために人間との対話を好むようになる可能性があります。

もう一つの制約は、規制の不確実性です。ロボアドバイザー産業が発展するにつれ、規制機関は自動化されたサービスを管理するためのガイドラインやルールを開発中です。地域によって規制が異なるため、ロボアドバイザー会社にとってコンプライアンス上の課題が生じ、運営コストの増加や特定の法域における市場参入の障壁となる可能性があります。このような不確実性は、こうしたプラットフォームを利用する消費者の信頼や信用を妨げることにもなりかねないです。

市場競争も重要な要因であり、多数のロボアドバイザーがこのセグメントに参入し、顧客の獲得競争を繰り広げています。このような飽和状態は、価格競争や利益率の低下を招き、新規参入者が地位を確立することを困難にしています。さらに、独自のロボアドバイザリーサービスを導入する既存の金融機関は、既存の顧客基盤やブランドの信頼を活用できるため、独立系のロボアドバイザーが効果的に競争するのは難しくなります。

目次

第1章 世界のロボアドバイザー市場の導入

• 市場概要
• 調査範囲
• 前提条件

第2章 エグゼクティブサマリー

第3章 VERIFIED MARKET RESEARCHの調査手法

• データマイニング
• バリデーション
• 一次資料
• データソース一覧

第4章 世界のロボアドバイザー市場展望

• 概要
• 市場力学
  • 促進要因
  • 抑制要因
  • 機会
• ポーターのファイブフォースモデル
• バリューチェーン分析

第5章 ロボアドバイザーの世界市場：自動化モード別

• 概要
• 完全自動
• 半自動

第6章 ロボアドバイザーの世界市場：サービス別

• 概要
• タックスロスハーベスティング
• 投資アドバイザー
• ウェルスマネジメント
• 個人財務アドバイザー

第7章 ロボアドバイザーの世界市場、地域別

• 概要
• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • フランス
  • その他の欧州
• アジア太平洋
  • 中国
  • 日本
  • インド
  • その他のアジア太平洋
• その他
  • ラテンアメリカ
  • 中東・アフリカ

第8章 世界のロボアドバイザー市場の競合情勢

• 概要
• 各社の市場ランキング
• 主要開発戦略

第9章 企業プロファイル

• Betterment
• Wealthfront
• Schwab Intelligent Portfolios
• Vanguard Personal Advisor Services
• Fidelity Go
• Acorns
• M1 Finance
• SoFi Invest
• Ellevest
• Personal Capital

第10章 主要開発

• 製品上市/開発
• 合併と買収
• 事業拡大
• パートナーシップと提携

第11章 付録

• 関連調査

Robo-Advisor Market Valuation - 2026-2032

The growing reliance on technology and digital platforms for financial services is propelling the adoption of robo-advisor. Robo-advisors offer lower fees compared to traditional financial advisors, making investment management more accessible is driving the market size surpass USD 12.02 Billion valued in 2024 to reach a valuation of around USD 109.75 Billion by 2032.

In addition to this, Younger, tech-savvy investors prefer automated and user-friendly investment solutions is spurring up the adoption of robo-advisor. Advanced algorithms enable personalized investment strategies tailored to individual risk profiles and goals is enabling to the market grow at a CAGR of 31.84% from 2026 to 2032.

Robo-Advisor Market: Definition/ Overview

A robo-advisor is an automated financial planning service that uses algorithms and software to provide investment management and financial advice with minimal human intervention. Typically accessible through online platforms, robo-advisors gather information about a user's financial situation, goals, and risk tolerance to create and manage a diversified investment portfolio. They offer a cost-effective alternative to traditional financial advisors, making investing more accessible to a broader audience.

The application of robo-advisors has transformed the investment landscape, particularly for younger, tech-savvy investors seeking low-cost and user-friendly solutions. They enable individuals to invest in a range of assets, such as stocks and bonds, often through exchange-traded funds (ETFs), with automatic rebalancing and tax-loss harvesting features. By leveraging technology, robo-advisors can provide personalized investment strategies at scale, making it easier for individuals to achieve their financial goals while promoting greater financial literacy.

How will Growing Adoption of Digital Financial Services Increase Adoption of Robo-Advisor?

The growing adoption of digital financial services and increasing demand for automated investment solutions have significantly propelled the robo-advisor market. According to the U.S. Securities and Exchange Commission, assets managed by robo-advisors reached $785 billion in 2023, representing a 45% increase from the previous year. Industry leader Betterment announced in February 2024 the launch of its enhanced AI-powered portfolio management system, while Vanguard expanded its digital advisory platform to include personalized ESG investment options.

Rising financial literacy among millennials and Gen Z, coupled with the preference for low-cost investment solutions, has driven market expansion. The Financial Industry Regulatory Authority (FINRA) reported that 38% of new retail investors in 2023 chose robo-advisors as their primary investment platform. In March 2024, Charles Schwab introduced advanced machine learning algorithms in its robo-advisory service to provide more sophisticated tax-loss harvesting strategies, while BlackRock's Aladdin platform integrated new predictive analytics features.

Technological advancements in artificial intelligence and machine learning have enhanced the capabilities of robo-advisory services. The European Securities and Markets Authority documented that automated portfolio rebalancing by robo-advisors improved average returns by 2.8% compared to traditional methods in 2023. Recent developments include Wealthfront's January 2024 announcement of its next-generation AI-driven risk assessment system, while Morgan Stanley acquired a fintech startup to strengthen its automated advisory offerings with natural language processing capabilities.

Will Cybersecurity and Costs of Robo-Advisor Restrain Its Application?

The robo-advisor market faces several constraints that can affect its growth and adoption. One major challenge is the limited personalization compared to traditional financial advisors. While robo-advisors use algorithms to create investment strategies based on user inputs, they may not account for the nuanced financial situations and personal circumstances that human advisors can address. This limitation can lead some investors to prefer human interaction for more tailored financial advice.

Another restraint is regulatory uncertainty. As the robo-advisor industry evolves, regulatory bodies are still developing guidelines and rules to govern these automated services. Variations in regulations across different regions can create compliance challenges for robo-advisor firms, leading to increased operational costs and potential barriers to market entry in certain jurisdictions. This uncertainty can also hinder consumer trust and confidence in using these platforms.

Market competition is also a significant factor, with numerous robo-advisors entering the space and vying for clients. This saturation can lead to price wars and reduced profit margins, making it challenging for newer entrants to establish themselves. Furthermore, established financial institutions that introduce their own robo-advisory services can leverage their existing customer base and brand trust, making it difficult for independent robo-advisors to compete effectively.

Category-Wise Acumens

Will Rise in Adoption of Fully Automated Robo-Advisors Driving Market Growth?

Fully automated robo-advisors have emerged as the dominant segment in the digital investment management market, offering complete portfolio management without human intervention. The U.S. Federal Reserve reported that fully automated platforms managed 68% of total robo-advisory assets in 2023, reflecting investors' growing confidence in AI-driven investment decisions. Wealthfront announced in March 2024 the launch of its advanced autonomous trading system, incorporating real-time market analysis and automated rebalancing features, while Betterment expanded its fully automated tax-loss harvesting capabilities.

The cost-effectiveness and round-the-clock availability of fully automated services have attracted a broader investor base. According to the Financial Conduct Authority (UK), fully automated robo-advisors reduced investment management fees by an average of 65% compared to traditional advisory services in 2023. In February 2024, SoFi Technologies unveiled its next-generation fully automated platform with enhanced machine learning algorithms, while Vanguard Digital Advisor introduced automated ESG screening and portfolio optimization features.

Which Factors Enhance the Use of Robo-Advisor in Wealth Management?

Wealth management has established itself as the dominant application segment in the robo-advisor market, revolutionizing traditional portfolio management approaches. The U.S. Securities and Exchange Commission reported that automated wealth management platforms handled $425 billion in assets under management in 2023, representing a 55% year-over-year growth. BlackRock announced in March 2024 the expansion of its digital wealth management platform, incorporating advanced AI algorithms for personalized portfolio optimization, while Morgan Stanley enhanced its automated wealth advisory services with predictive analytics capabilities.

The integration of sophisticated tax optimization and estate planning features has strengthened robo-advisors' position in wealth management. According to the Financial Industry Regulatory Authority (FINRA), automated tax-loss harvesting by robo-advisors saved investors an average of 1.8% in tax liabilities during 2023. In February 2024, UBS launched its next-generation wealth management platform featuring AI-driven estate planning tools, while Vanguard introduced automated multi-generational wealth transfer solutions in its digital advisory service.

Country/Region-wise Acumens

Will Early Adoption of Technologies in North America Fuelling Robo-Advisor Market Growth?

North America maintains its leadership in the robo-advisor market through advanced technological infrastructure and high digital financial literacy rates. The U.S. Securities and Exchange Commission reported that North American robo-advisors managed assets worth $550 billion in 2023, representing 48% of the global market share. Vanguard announced in March 2024 the launch of its enhanced digital advisory platform featuring advanced machine learning algorithms, while Charles Schwab expanded its automated investment services to include sophisticated tax-optimization strategies.

Strong regulatory frameworks and increasing adoption of digital wealth management solutions have fueled market growth. According to the Financial Industry Regulatory Authority (FINRA), 42% of American millennials utilized robo-advisory services for their investment decisions in 2023. In February 2024, Fidelity Investments unveiled its next-generation robo-advisory platform with integrated ESG scoring capabilities, while Betterment secured significant funding to expand its AI-powered portfolio management services across the United States and Canada.

Will Rising Middle-Class Population Enhance Adoption of Robo-Advisor in Asia Pacific?

The Asia Pacific robo-advisory market has witnessed remarkable expansion, driven by increasing digital literacy and smartphone penetration across countries like Singapore, Japan, and South Korea. According to a 2023 report by the Monetary Authority of Singapore (MAS), automated investment platforms in the region managed approximately $120 billion in assets, marking a significant 45% increase from the previous year. StashAway, one of the region's prominent robo-advisors, successfully obtained a digital asset management license in Hong Kong, extending its footprint beyond Singapore and Malaysia.

The rising middle-class population and growing acceptance of digital financial services have created fertile ground for robo-advisory services in emerging economies like India and Indonesia. A 2024 survey by the Securities and Exchange Board of India (SEBI) revealed that 28% of first-time retail investors in India now prefer robo-advisory platforms for their investment decisions. Recently, Ant Group's digital wealth management platform in China expanded its algorithmic trading capabilities to include ESG-focused portfolios, catering to environmentally conscious investors.

Competitive Landscape

The robo-advisor market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions, and political support.

The organizations are focusing on innovating their product line to serve the vast population in diverse regions. Some of the prominent players operating in the robo-advisor market include: Betterment, Wealthfront, Schwab Intelligent Portfolios, Vanguard Personal Advisor Services, Fidelity Go, Acorns, M1 Finance, SoFi Invest, Ellevest, Personal Capital, Nutmeg, BMO SmartFolio, Stash, Ally Invest, WiseBanyan, SigFig, Robinhood, Zeta, Breeze, Charles Schwab

Latest Developments

• In October 2023, a major financial institution launched an enhanced robo-advisor platform featuring AI-driven personalized investment strategies tailored to individual risk profiles.
• In September 2023, a fintech startup secured significant funding to expand its robo-advisory services, focusing on sustainable and socially responsible investment options.

Robo-Advisor Market, By Category

• Mode of Automation:
• Fully Automated
• Semi-automated
• Service:
• Tax-loss Harvesting
• Investment Advisors
• Wealth Management
• Personal Financial Advisors
• Region:
• North America
• Europe
• Asia-Pacific
• South America
• Middle East & Africa

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL ROBO-ADVISOR MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL ROBO-ADVISOR MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL ROBO-ADVISOR MARKET, BY MODE OF AUTOMATION

• 5.1 Overview
• 5.2 Fully Automated
• 5.3 Semi-automated

6 GLOBAL ROBO-ADVISOR MARKET, BY SERVICE

• 6.1 Overview
• 6.2 Tax-loss Harvesting
• 6.3 Investment Advisors
• 6.4 Wealth Management
• 6.5 Personal Financial Advisors

7 GLOBAL ROBO-ADVISOR MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Rest of the World
  • 7.5.1 Latin America
  • 7.5.2 Middle East & Africa

8 GLOBAL ROBO-ADVISOR MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 Betterment
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Wealthfront
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 Schwab Intelligent Portfolios
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 Vanguard Personal Advisor Services
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 Fidelity Go
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 Acorns
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Developments
• 9.7 M1 Finance
  • 9.7.1 Overview
  • 9.7.2 Financial Performance
  • 9.7.3 Product Outlook
  • 9.7.4 Key Developments
• 9.8 SoFi Invest
  • 9.8.1 Overview
  • 9.8.2 Financial Performance
  • 9.8.3 Product Outlook
  • 9.8.4 Key Developments
• 9.9 Ellevest
  • 9.9.1 Overview
  • 9.9.2 Financial Performance
  • 9.9.3 Product Outlook
  • 9.9.4 Key Developments
• 9.10 Personal Capital
  • 9.10.1 Overview
  • 9.10.2 Financial Performance
  • 9.10.3 Product Outlook
  • 9.10.4 Key Developments

10 KEY DEVELOPMENTS

• 10.1 Product Launches/Developments
• 10.2 Mergers and Acquisitions
• 10.3 Business Expansions
• 10.4 Partnerships and Collaborations

11 Appendix

• 11.1 Related Research