1. Introduction Digital Investment Advice Tools (also called IATs, Robo-Advisors, Automated Investment Advisors, Digital Investment Managers or Digital Wealth Management Tools) play an increasingly important role in the world of investment advice and wealth management. These tools are already in use for decades in wealth management firms (often integrated in their portfolio management system, like e.g. Triple’A, eXimius, WealthManager…), but always as tools supporting the advisors and portfolio managers in their tasks, never as client facing tools. These robo-advisors started however to become client facing about ten years ago, when some Fintechs started to provide automated investment advice directly to customers, with most known players in the market being WealthFront (today approximately $11 billion in assets for about 250,000 customers), Betterment (today approximately $16 billion in assets for about 400,000 customers) and Personal Capital (today approxim
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