5 best robo performers in the low-risk category
27 Jan, 2022
Here are the robos which delivered the best returns for low-risk portfolios in 2020 and 2021:
Vanguard LifeStrategy - 20% shares
Two-year returns: 9.16%
Return on £10,000 after two years (01-01-2020 - 31-12-2021, after charges): £10,916
What we say about this robo:
- Good for no-nonsense, straightforward investing
- Low cost, but no frills either
- A huge global player, so you may feel in safe hands
Read our full review of Vanguard here.
What you say about this robo:
- The website and investment options are simple to understand
- Value for money
- Ease of setting up new ISAs, but some say fund choice is limited
Read all customer reviews of Vanguard here
How does Vanguard compare with other robo and DIY platforms?
AJ Bell - Cautious
Two-year returns: 7.42%
Return on £10,000 after two years (01-01-2020 - 31-12-2021, after charges): £10,742
What we say about this robo:
- A safe bet if you want a fair price and decent service, although glitches can occur occasionally
- Great research and market information
- Wide choice of investment options, including individual shares and funds
Read our full review of AJ Bell here.
What you say about this robo:
- Website is easy to use
- Email and telephone support is generally good, although response times can vary
- Inexpensive, especially if you're not a regular trader
Read all customer reviews here.
How does AJ Bell compare with other robo and DIY platforms?
HSBC My Investment - Cautious - 21.54% shares
Two-year returns: 7.11%
Return on £10,000 after two years (01-01-2020 - 31-12-2021, after charges): £10,711
What we say about this robo:
- Great for less-confident investors who prefer to invest in a big player
- Simple starting process for new investors, although it takes at least half an hour to get through the questionnaire
- Gives you a decent idea of what a good or bad outcome looks like
Read our full review here.
What you say about this robo:
- Platform is easy to use
- Good performance
- Some say input is limited.
Read all customer reviews here.
How does HSBC compare with other robo and DIY platforms?
Natwest Invest - Low Risk Fund - 18% shares
Two-year returns: 5.46%
Return on £10,000 after two years (01-01-2020 - 31-12-2021, after charges): £10,546
What we say about this robo:
- Low-cost, if no frills
- Great for beginners
Read our full review here.
What you say about this robo:
- Straightforward and easy to use
- Simple to top-up your accounts
Read all customer reviews here.
How does Natwest Invest compare with other robo and DIY platforms?
True Potential - Defensive - 23.87%
Two-year returns: 4.96%
Return on £10,000 after two years (01-01-2020 - 31-12-2021, after charges): £10,496
What we say about this robo:
- Very mobile-friendly
- Website is slick
- Great for those who want their pensions to look like ISAs
Read our full review here.
What you say about this robo:
- Pension drawdown is easy for some, but not so much for others
- Helpful graphical displays
Read all customer reviews here.
How does True Potential compare with other robo and DIY platforms?
