Robo-advisor
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Topics grouped from customer reviews, with how many mention each; read the originals below.
Reddit · r/Schwab · Aug 1, 2025
MixedSummary of a Reddit post
They tried Schwab Intelligent Portfolios in two IRAs and a taxable account on the basic tier, then cancelled via an in-kind transfer for a more growth-tilted mix, while praising Schwab customer service.
Reddit · r/Schwab · Sep 28, 2026
MixedSummary of a Reddit post
They have used Schwab Intelligent Portfolios for four years with solid gains and like that it does tax harvesting painlessly, but find it conservative and note their own mutual funds did better.
Reddit · r/Schwab · Sep 26, 2026
MixedSummary of a Reddit post
They set up a moderately aggressive Schwab Intelligent Portfolios account a few years ago and still keep it. Performance seems reasonable but not stellar, though tax loss harvesting keeps realized gains minimal.
Reddit · r/investing · Apr 14, 2026
MixedSummary of a Reddit post
They have Schwab Intelligent Portfolios Premium mainly for unlimited CFP access, which they found worth it, but plan to leave and object to the large cash requirement, calling Schwab reasoning for it weak.
Reddit · r/Schwab · Apr 1, 2026
MixedSummary of a Reddit post
They hold a Schwab Intelligent Portfolio and wish it kept less in cash, though they acknowledge the cash is placed in a money market type fund rather than sitting idle.
Reddit · r/Schwab · Mar 1, 2026
MixedSummary of a Reddit post
They left Schwab Intelligent Portfolios after the premium tier ended, opening a new self-directed Roth and moving ETFs in kind by phone; the week-long process was smooth and professional with only a mild retention pitch.
Reddit · r/Schwab · Jul 23, 2025
MixedSummary of a Reddit post
They hold a managed Schwab Intelligent Portfolios account alongside a self-managed Roth, find it ok with periodic rebalancing, and have no real complaints other than the cash drag.
Reddit · r/Schwab · May 30, 2025
MixedSummary of a Reddit post
Opened in December 2020 and rates it just ok, at about a 6.08% annualized return; answering as moderately aggressive gave returns not much better than their husband's more conservative setup, and self-picked accounts did better.
Reddit · r/Schwab · Mar 6, 2025
MixedSummary of a Reddit post
Calls Schwab's robo account fine: it keeps a large portion in cash but pays decent interest and is free, saving the Betterment fee.
Reddit · r/Schwab · Nov 23, 2024
MixedSummary of a Reddit post
They have had Schwab Intelligent Portfolios for about 12 to 13 years; it has done okay with returns below an S&P ETF and about 6 percent cash at the most aggressive setting, but they like the set-and-forget rebalancing.
Reddit · r/Schwab · Nov 14, 2024
MixedSummary of a Reddit post
They used Schwab Intelligent Portfolios in their Roth for about four years; it rebalances on its own and is workable though clunky, but slightly trails the S&P 500 and holds a cash slice paying monthly interest.
Reddit · r/Schwab · Nov 14, 2024
MixedSummary of a Reddit post
They used Schwab Intelligent Portfolios in an all-stock aggressive growth setup and noticed some holdings carried higher expense ratios, though the cost gap versus index funds was small and the robo suits moderately hands-on investors.
Reddit · r/Schwab · Sep 27, 2026
MixedSummary of a Reddit post
They used Schwab Intelligent Portfolios for years in taxable accounts and it performed wonderfully, but harvesting stopped working as gains grew, leaving a tax bomb that needed their Schwab advisor to turn it off.
Reddit · r/personalfinance · Mar 1, 2026
MixedSummary of a Reddit post
Valued the unlimited access to a certified planner on the Premium tier and is considering moving after Schwab dropped it, also finding the portfolio's cash allocation less than ideal.
Reddit · r/Schwab · Dec 10, 2025
MixedSummary of a Reddit post
They hold Schwab Intelligent Portfolios with about 11 percent of the account in cash, which currently earns around 3.7 percent interest, noting the cash share depends on portfolio settings.
Reddit · r/Schwab · Oct 2, 2025
MixedSummary of a Reddit post
Holds Schwab Intelligent Portfolios for retirement; it underperforms the S&P slightly but is more diversified and loses less in bad markets.
Reddit · r/Schwab · Sep 21, 2025
MixedSummary of a Reddit post
They use Schwab Intelligent Portfolios for a large chunk of their IRA on aggressive settings with international stocks. Their main complaint is the large cash balance, which they pushed down to about 6 percent.
Reddit · r/Schwab · Sep 11, 2025
MixedSummary of a Reddit post
They put experimental money into a risk-leaning Schwab Intelligent Portfolio in late 2023 and gained, but noticeably less than a plain S&P 500 fund would have over the same stretch.
Reddit · r/Schwab · Aug 1, 2025
MixedSummary of a Reddit post
They have a Schwab Intelligent Portfolios account and are thinking of dropping it as they move toward dividend income, since adjusting the portfolio toward that goal gave underwhelming performance.
Reddit · r/Schwab · Jul 23, 2025
MixedSummary of a Reddit post
They hold Schwab Intelligent Portfolios and call the cash drag real, finding the 6 to 14 percent cash allocation excessive, but are otherwise happy with overall performance.
Reddit · r/Schwab · Nov 23, 2024
MixedSummary of a Reddit post
They hold Schwab Intelligent Portfolios at the most aggressive setting; it beat the S&P 500 in the first year but has trailed it since, so they stopped contributing while keeping it for diversification.
Of the 83 reviews with a clear verdict, 47% are positive, 25% mixed and 28% negative. The praise mentioned most is easy to use. The most common complaint is rate dropped.
The praise reviewers mention most: easy to use (22 reviews), low fees (6 reviews) and helpful support (5 reviews). For example: They are very happy with Schwab Intelligent Portfolios, valuing the convenience and having professionals handle the investing for them.
The complaints reviewers mention most: rate dropped (4 reviews) and hard to cancel (2 reviews). For example: Six years on the highest risk setting still feels overly conservative and forces an 8% cash allocation, delivering underwhelming returns.
It's how well reviewed Schwab Intelligent Portfolios is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Robo-advisor. Type: Robo-advisor. Fees: No advisory fee and no commissions. Minimum: Invest with as little as $5,000.
83 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.