In today’s fast-moving financial world, many investors are turning to robo-advisors for a smarter, easier way to grow wealth. Whether you’re investing in traditional stocks or exploring the exciting world of crypto, robo-advisors offer a passive approach with minimal effort. In 2025, technology has made it possible to balance both asset classes under one digital roof.
So, what are the best robo-advisors for passive investors who want exposure to both crypto and stocks? Let’s break it down.
What Are Robo-Advisors?
Robo-advisors are automated investment platforms that use algorithms and artificial intelligence to build and manage portfolios. They help you invest without the need for hands-on decision-making.
Once you input your goals, risk tolerance, and time horizon, the robo-advisor handles the rest — from choosing your assets to rebalancing your portfolio.
Why Passive Investors Love Robo-Advisors
Passive investors prefer strategies that require little to no active trading. Instead of chasing market trends, they focus on long-term growth and broad market exposure.
Robo-advisors offer several key benefits:
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Low fees
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Diversification
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Automatic rebalancing
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No emotional investing
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Access to both stocks and cryptocurrencies
Key Features to Look for in a Robo-Advisor
Before choosing the right platform, consider the following features:
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Asset Options: Does it support both stocks and crypto?
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Fees: Look for low or transparent fee structures.
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Security: Strong data encryption and asset protection are crucial.
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Ease of Use: User-friendly interfaces matter for long-term engagement.
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Customization: Can you adjust your investment strategy easily?
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Regulation: Make sure the platform is compliant with financial regulations.
Now, let’s explore the top robo-advisors for 2025 that support passive investing in both crypto and stocks.
1. Wealthfront
Best for Traditional Passive Investors
Wealthfront is a well-known name in the robo-advisory space. While it doesn’t directly offer crypto, it allows indirect exposure to crypto via Grayscale’s Bitcoin and Ethereum trusts, as part of a diversified portfolio.
Key Features:
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Low 0.25% annual advisory fee
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Tax-loss harvesting
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Automated portfolio rebalancing
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Integration with financial planning tools
Why It’s Great for Passive Investors:
Wealthfront is ideal for stock investors who want a “set it and forget it” platform with limited crypto exposure.
2. Betterment
Best All-in-One Stock Robo-Advisor
Betterment offers a full suite of stock investing tools and retirement planning. It recently launched crypto portfolios through a partnership with Gemini.
Key Features:
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0.25%–0.40% management fees
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Custom crypto allocation options
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ESG investing options
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Smart rebalancing technology
Why It’s Great for Passive Investors:
Betterment provides one of the smoothest passive investing experiences with diversified options and automatic optimization.
3. M1 Finance
Best for DIY Passive Investors
M1 Finance offers automated investing with a twist. You can customize your portfolio (“pies”) with both stocks and ETFs, and now it includes crypto investing via M1 Crypto.
Key Features:
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No management fees
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Custom portfolios with stocks, ETFs, and crypto
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Fractional shares available
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Free automation tools
Why It’s Great for Passive Investors:
It gives passive investors more control while still automating rebalancing and deposits. Perfect for investors who want a tailored portfolio with crypto integration.
4. SoFi Invest
Best for Beginners in Crypto + Stocks
SoFi is a beginner-friendly platform that combines robo-advisory services with access to both crypto and stock investing.
Key Features:
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0% management fee on automated investing
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Commission-free crypto and stock trading
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Easy-to-use mobile app
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Educational tools and financial planning advice
Why It’s Great for Passive Investors:
SoFi offers simplicity and accessibility, making it perfect for new investors who want exposure to both markets without complexity.
5. Titan Invest
Best for Actively Managed Passive Hybrid
Titan isn’t your average robo-advisor. It blends active management with automated features and includes crypto strategies alongside stocks.
Key Features:
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Actively managed portfolios with expert insights
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Crypto exposure with active rebalancing
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App-based investing with strong user interface
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Transparent fee model (1% annually)
Why It’s Great for Passive Investors:
While not purely passive, Titan appeals to investors who want smart active strategies delivered in a hands-off format.
6. Shrimpy
Best for Crypto-Only Passive Investors
If you’re focusing heavily on crypto, Shrimpy offers a unique robo-advisor experience strictly for digital assets. It supports portfolio automation across multiple exchanges.
Key Features:
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Supports Binance, Coinbase, Kraken, and others
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Custom rebalancing strategies
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Smart indexing for crypto
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Advanced security protocols
Why It’s Great for Passive Investors:
It’s ideal for those building a long-term, diversified crypto portfolio without daily monitoring.
7. Ziglu (UK & EU Only)
Best for Crypto & Fiat Blend in Europe
Ziglu offers curated crypto baskets, automatic rebalancing, and commission-free trading. It’s gaining traction among EU passive investors.
Key Features:
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Crypto bundles managed by experts
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Easy fiat-to-crypto conversion
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Secure wallets with FCA compliance
Why It’s Great for Passive Investors:
Ziglu makes crypto investing easy, safe, and efficient for users in Europe who want minimal hands-on management.
Tips for Passive Investing Success in 2025
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Stay Consistent: Invest regularly through auto-deposits.
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Diversify: Mix asset classes, including stocks and crypto.
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Ignore Noise: Don’t panic over daily price swings.
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Rebalance Occasionally: Let the robo-advisor handle it.
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Keep Learning: Passive doesn’t mean ignorant—stay informed.
Final Thoughts
Choosing the best robo-advisor for passive investing depends on your goals and comfort with crypto and stocks. Whether you’re leaning toward traditional equity markets or exploring digital assets, platforms like Betterment, M1 Finance, and SoFi give you a solid foundation.
For crypto-only investors, platforms like Shrimpy or Titan (for hybrid strategies) provide automated tools without the hassle of active trading. Remember, the best strategy is one that aligns with your risk tolerance, time horizon, and interest level.
