Robo-advisor
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Topics grouped from customer reviews, with how many mention each; read the originals below.
Reddit · r/Schwab · Oct 11, 2026
NegativeSummary of a Reddit post
They tried Schwab Intelligent Portfolios at its most aggressive allocation and found six months of performance lackluster, so they switched to a self-managed three fund portfolio with Schwab funds.
Reddit · r/Schwab · May 28, 2026
NegativeSummary of a Reddit post
They closed their Schwab Intelligent Portfolio after a few months because their taxable account, IRA and target date fund matched or beat it with lower fees, and they prefer doing their own transfers.
Reddit · r/Schwab · Sep 21, 2025
NegativeSummary of a Reddit post
They had Schwab Intelligent Portfolios for five years and feel they missed a lot of gains versus target date funds. They found it stress free but saw little active management and uninvested cash dragging results.
Reddit · r/Bogleheads · Jun 25, 2025
NegativeSummary of a Reddit post
Started moving their Roth out of the robo-advisor today, regretting falling for the hype; it is up about 64% since inception versus roughly 150% they estimate low-cost index funds would have returned.
Reddit · r/Schwab · Jan 3, 2025
NegativeSummary of a Reddit post
They closed their Roth Schwab Intelligent Portfolio and rolled it into a self-directed Roth IRA because it underperformed their other accounts despite the most aggressive setting, and they disliked the large cash position.
Reddit · r/FinancialPlanning · Dec 1, 2024
NegativeSummary of a Reddit post
Six years on the highest risk setting still feels overly conservative and forces an 8% cash allocation, delivering underwhelming returns.
Reddit · r/Schwab · Nov 26, 2024
NegativeSummary of a Reddit post
They tried Schwab Intelligent Portfolios and Vanguard's robo on aggressive settings for two years, were not impressed with the returns versus an index fund, and plan to move the money.
Reddit · r/Schwab · Nov 23, 2024
NegativeSummary of a Reddit post
They used Schwab Intelligent Portfolios for their Roth IRA for a year, found it too busy, and moved to a self-administered three fund portfolio; they would not use it again though others may like set-and-forget.
Reddit · r/investing · May 3, 2026
NegativeSummary of a Reddit post
They are dissatisfied with how much cash their Schwab Intelligent Portfolio holds, and even after moving to a more risk-accepting strategy the cash share stayed high, leaving them unsure how they feel.
Reddit · r/Schwab · Apr 1, 2026
NegativeSummary of a Reddit post
They tried Schwab Intelligent Portfolios for their Roth IRA but left because it always kept 5 to 7 percent in cash, which they felt was too much and limited the money working in ETFs.
Reddit · r/Schwab · Dec 10, 2025
NegativeSummary of a Reddit post
They found there is no way to unenroll a Schwab Intelligent Portfolios Roth back to self-directed; support said the only route is to liquidate and transfer, and they dislike the high cash allocation that benefits Schwab.
Reddit · r/Schwab · Oct 3, 2025
NegativeSummary of a Reddit post
Tried Schwab Intelligent Portfolios for almost a year and switched out because even the most aggressive portfolio lagged a broad market ETF.
Reddit · r/Schwab · Oct 2, 2025
NegativeSummary of a Reddit post
Used Schwab Intelligent Portfolios for three years and wishes they had done it themselves earlier.
Reddit · r/Bogleheads · Aug 4, 2025
NegativeSummary of a Reddit post
Closed a Schwab Intelligent Portfolios account into a brokerage account and found the cost basis data was not carried over, leaving them waiting to plan tax moves.
Reddit · r/Schwab · Aug 3, 2025
NegativeSummary of a Reddit post
They tried a small amount in Schwab Intelligent Portfolios after their broker pushed it, saw it do nothing, and disliked that they cannot control the account or move money out without asking permission.
Reddit · r/Schwab · Aug 1, 2025
NegativeSummary of a Reddit post
They had their wife in a Schwab Intelligent Portfolio, found its 2024 return disappointing, and moved it to a regular IRA, calling the product a ripoff despite liking Schwab and its customer service.
Reddit · r/Schwab · Jul 26, 2025
NegativeSummary of a Reddit post
They ran Schwab Intelligent Portfolios on an aggressive setting and it lagged far behind other accounts they left alone, so they moved everything into an index fund and are doing better.
Reddit · r/Schwab · Jul 23, 2025
NegativeSummary of a Reddit post
They put a rollover IRA into Schwab Intelligent Portfolios and found it generated very little compared with the portfolio they managed themselves, advising others not to do it.
Reddit · r/Schwab · Jul 23, 2025
NegativeSummary of a Reddit post
They used Schwab Intelligent Portfolios for almost two years and found it underperformed their own personal portfolio, later conceding it may simply not be for them.
Reddit · r/Schwab · Jul 9, 2025
NegativeSummary of a Reddit post
They gave Schwab Intelligent Portfolios about five years and call it awful, replying bluntly to a question about whether the robo-advisor is any good.
Reddit · r/investing · Jun 25, 2025
NegativeSummary of a Reddit post
In a six-way test of platforms with real money, cash drag stood out quickly in a head-to-head comparison and it was the first account to be dropped.
Reddit · r/Schwab · Jan 2, 2025
NegativeSummary of a Reddit post
They opened a Schwab Intelligent Portfolio in 2018 at the riskiest profile and are dissatisfied with how far it trailed the S&P 500 over seven years. They later closed it and rolled positions into a brokerage account.
Reddit · r/Schwab · Jan 2, 2025
NegativeSummary of a Reddit post
They closed their Schwab Intelligent Portfolio because their other ETF investments were clearly outperforming that account, and advise others in the same position to close it and move on.
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.