Regardless of profile or experience, every investor faces the same challenge: reacting to market changes without losing sight of their goals. That’s what intimidates those who haven’t yet bought their first share — but want to — and at the same time keeps more advanced investors up at night.

Checking positions and the performance of one security or another too often can drive anyone crazy. And while it’s possible to invest conservatively and aim for the long term —without constant surveillance or a watchful eye on unbearable global geopolitics— any safe bet can collapse overnight.

On top of that we must account for fees, risk tolerance, short-, medium- and long-term goals, among many other factors, to build a diversified, coherent investment portfolio. That's why, at Wallbit, we have launched a feature for investors seeking control, consistency, and operational efficiency in their investments: Wallbit’s Robo Advisor.

This is a personalized advisor that keeps our goals in view, knows how much risk we’re willing to bear, and adapts in real time to market changes, automatically adjusting positions to offset daily movements.

With this new tool, Wallbit clients will be able to invest more easily and increase operational efficiency —a major advance in risk management and control. Below we explain everything about Wallbit’s new Robo Advisor.

What is a Robo Advisor?

Let’s start with the basics: what exactly is a Robo Advisor?

A Robo Advisor is an automated investment management service that combines algorithms, investment rules, and a digital interface to build and manage portfolios without the constant intervention of a human manager.

Its goal is to translate financial objectives and risk tolerance into a coherent, disciplined asset allocation: from the initial setup (risk profile, time horizon, goals) to periodic rebalancing to maintain the defined strategy.

Unlike traditional investing, where the user must interpret charts, pick assets, and decide when to enter or exit, a Robo Advisor operates in the background: it monitors positions, executes adjustments, and rebalances the portfolio according to preset parameters.

This makes investing more accessible —it reduces the experience required— and turns it into an attractive option for those seeking efficiency, discipline, and lower operational burden.

How does Wallbit’s Robo Advisor work?

Wallbit’s Robo Advisor is activated from the investments section of the App. The process is simple: the user completes a brief questionnaire that defines their financial profile (objectives, risk tolerance, investment horizon) and selects from the available funds.

Based on that information, the algorithm constructs a portfolio aligned with the declared objective and begins operating automatically.

There are three key components to how it works:

  • Preset profiles. Wallbit offers five profiles that cover different risk–return combinations, from maximum capital protection to strategies focused on aggressive growth. Each fund has a predefined mix of instruments —insured deposits, bonds, equities, real estate, metals, etc.— designed to fulfill the profile’s purpose.
  • Monitoring and automatic rebalancing. The system watches market variations in real time and applies rebalances that correct deviations from the target allocation. This preserves the consistency of the strategy and prevents momentary changes from steering the portfolio off course.
  • Control and integration with the manual account. The user can continue trading manually in their traditional account without interfering with the automated operation. It’s also possible to modify the profile, switch funds, or intervene on a specific manual basis. Management is done from the same app, with an interface designed so everything is visible and intuitive.

In addition, the Robo Advisor allows immediate withdrawals (during market hours) and maintains a policy of opening/closing with no initial fees, although it applies an annual management fee calculated on the balance (which, at launch, was set at 1.20% per year, charged monthly).

It’s important to emphasize that automation helps organize management and reduce daily friction, but it does not eliminate market risk or guarantee future returns.

Who is it for?

The service is designed for two main user profiles, although its benefits may appeal to a broader audience:

  • Beginner investors. Those approaching the world of investing for the first time and looking for an easy way to start. For this group, the Robo Advisor lowers the entry barrier: simply complete the profile and the technology configures a portfolio consistent with short-, medium-, or long-term goals, without the need to interpret reports or handle complex orders.
  • Experienced investors who want to delegate operations. Professionals or enthusiasts with knowledge who prefer not to handle rebalancing and daily management. For them, the system offers operational delegation without giving up the ability to intervene manually when they see fit.

Beyond these two groups, the product is useful for those who value the discipline of an automated strategy —for example, investors who want to avoid emotional decisions during volatility— and for those who want the flexibility to combine automatic management and manual trades on the same platform.

Advantages of investing with a Robo Advisor

1. Accessibility and reduced complexity

The Robo Advisor makes market access easier for those without advanced knowledge. By replacing the need to select individual assets and time the market with a profile questionnaire, the tool turns a potentially complex task into a guided process. This is especially valuable for users with limited time who prefer plug-and-play solutions.

2. Discipline and automatic rebalancing

One of the biggest advantages is built-in discipline: automatic rebalancing prevents the portfolio from drifting due to market effects and helps restore the proportion between asset classes. In volatile environments, this preserves the strategy’s coherence and allows the investment to meet its long-term objective without continuous intervention.

3. Structured diversification

By offering five funds with different allocations —from conservative to aggressive— Wallbit lets each investor choose a mix consistent with their risk tolerance and time horizon. This diversification includes liquid and less-correlated assets (bonds, real estate, metals, equities, and insured deposits), which helps reduce the impact of any single asset on the overall investment portfolio.

4. Integration and operational ease

Managing both manual investments and the automated portfolio from a single application brings clarity and eliminates friction: the user can view the state of their investments on a single dashboard, combine strategies, and make changes easily. This improves the experience and reduces operational errors that often occur when using multiple platforms.

5. Liquidity and control over withdrawals

Unlike some investment vehicles that require lock-in periods, this Robo Advisor allows immediate withdrawals within market hours. That flexibility is vital for those who value access to their funds without penalties or lengthy processes, making the product a practical alternative for unexpected liquidity needs.

6. Clear costs and a transparent fee model

The cost structure is simple: free opening and closing, free withdrawals, and an annual management fee applied to assets under management and charged monthly. For many investors, this transparent scheme makes it easy to compare against other services that charge transaction, custody, or entry/exit fees.

7. Suitable for different horizons and objectives

Thanks to the profile offerings and the ability to switch funds, the solution adapts to diverse goals: from short-term capital protection to long-term wealth accumulation. The ability to adjust the profile and move from one to another without major hurdles allows the strategy to evolve with the investor’s needs.

Conclusion

Investing with Wallbit’s Robo Advisor simplifies portfolio management, reduces uncertainty, and helps maintain a clear course without deviations. And, as we mentioned at the start, it helps react in real time to market changes —you don’t need to be watching 24/7.

For those starting from zero, it’s a direct path into the world of investing without facing technical complexity; for experienced investors, it offers the convenience of delegating daily management without losing the ability to intervene when appropriate.

The proposition relies on diversification through five risk-calibrated funds, automatic rebalances that preserve discipline, and an interface that integrates manual and automated management in a single app.

Automation does not eliminate risk. Markets can experience losses and returns are not guaranteed.

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