Robo-advisor
How the signal works ↗Updated 9 NovCompare with Fidelity Go
Reddit · r/personalfinance · Aug 19, 2026
NegativeSummary of a Reddit post
They paid a monthly fee for Vanguard Digital Advisor on their 401k for a decade, mostly set-and-forget, and only recently noticed how large the fee had grown. They are now leaning toward cancelling and using a target date fund.
Reddit · r/personalfinance · Aug 19, 2026
PositiveSummary of a Reddit post
They use Vanguard Digital Advisor and accept the small fee because they believe it makes better investment decisions than they could, and at their age they prefer not to manage things themselves.
Reddit · r/Bogleheads · Jan 20, 2026
MixedSummary of a Reddit post
Uses Digital Advisor for their IRAs and taxable account; when planning a donor-advised fund gift, a Vanguard human rep could not explain how the robo would pick which assets to move, a limitation for tax planning.
Reddit · r/Bogleheads · Sep 24, 2025
MixedSummary of a Reddit post
They switched to Vanguard Digital Advisor a few months earlier and were surprised to find the moderate risk profile holds over ninety percent stocks, which they considered very aggressive and confusing.
Reddit · r/Bogleheads · Sep 5, 2025
MixedSummary of a Reddit post
They unenrolled from Vanguard Digital Advisor and found the cancel option very hard to locate, then posted step-by-step directions via the Digital Advisor tab and Investor Profile page; unenrollment takes a couple of business days.
Reddit · r/Bogleheads · May 23, 2025
MixedSummary of a Reddit post
They moved from Vanguard Personal Advisor Services to Digital Advisor to avoid dealing with rebalancing and tax-loss harvesting, but found its risk profiles hold far fewer bonds and felt Vanguard explained this poorly.
Reddit · r/Bogleheads · Oct 23, 2026
MixedSummary of a Reddit post
They use Vanguard Digital Advisor, which bought only total US and international stock funds in an aggressive profile, because work rules keep them from self-directing, and recently found they can tweak the split and funds.
Reddit · r/fidelityinvestments · Dec 12, 2025
PositiveSummary of a Reddit post
They have a brokerage account in Vanguard Digital Advisor and noted that enrolling or unenrolling is easy to do right from the dashboard, unlike the difficulty they ran into leaving Fidelity Go.
Reddit · r/Bogleheads · Aug 30, 2025
PositiveSummary of a Reddit post
They liked Vanguard Digital Advisor for holding a simple three-fund portfolio they can keep adding to while it handles rebalancing and tax-loss harvesting for a low fee. The app's withdrawal button did not work, so withdrawals needed the website.
Reddit · r/Bogleheads · Aug 28, 2025
NegativeSummary of a Reddit post
They used Vanguard Digital Advisor for their Roth IRA in the past and judged it a complete waste of time and fees, suggesting the Bogleheads community offers the same guidance for free.
Reddit · r/personalfinance · Mar 5, 2025
NegativeSummary of a Reddit post
They opened a Roth IRA in Vanguard Digital Advisor and, a day after the first deposit, saw a negative settlement fund alert and had to add extra money, which felt at odds with a set-and-forget service.
Of the 11 reviews with a clear verdict, 27% are positive, 45% mixed and 27% negative. The praise mentioned most is easy to use. The most common complaint is buggy app.
The praise reviewers mention most: easy to use (2 reviews), low fees (2 reviews) and easy to cancel (1 review). For example: They have a brokerage account in Vanguard Digital Advisor and noted that enrolling or unenrolling is easy to do right from the dashboard, unlike the difficulty they ran into leaving Fidelity Go.
The complaints reviewers mention most: buggy app (1 review), hard to cancel (1 review) and hidden fees (1 review).
It's how well reviewed Vanguard Digital Advisor 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: $0 advisory fees for the first 90 days; about $15–$16 a year per $10K in an all-index portfolio after that. Minimum: $100 in each Vanguard Brokerage Account to enroll ($5 for eligible 401(k) accounts).
11 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.