Apart from the standard functionality, there are two key elements that set ‘Robo-advice’ apart from historical wealth management offerings. Firstly, investors can access the service at very low minimum threshold investment amounts, and secondly, investments carry a very low management fee (charged to run the portfolio). Combine these elements with relatively sophisticated risk profiling and investment goal determination, intuitive customer UX, and Robo-advisers provide a channel that offers investment advice to everyone, regardless of how much money they have and their level of financial knowledge. These platforms go some way to democratising participation in capital markets and can ultimately provide a level playing field for inclusive wealth creation.