Are you new to investing and feeling a bit overwhelmed by all the options? Don’t worry, we’ve all been there. Luckily, technology has made it easier than ever to get started, even if you’re a complete beginner. One of the best tools at your disposal is robo-investing, a way to automate your investments, minimize stress, and maximize wealth growth. In this guide, we’re going to break down everything you need to know about robo-investing for beginners, how automated investing can simplify your financial future, and why it’s perfect for beginner investors like you.

What is Robo-Investing?

In simple terms, robo-investing uses automated software to build and manage your investment portfolio based on your financial goals. This technology uses algorithms to create diversified portfolios, monitor your investments, and even rebalance your holdings when needed. The main advantage? It eliminates much of the manual work and guesswork associated with traditional investing. If you're someone who wants to invest but doesn't have the time or expertise to manage your portfolio, robo-investing is for you.

Key Benefits of Robo-Investing for Beginners

1. Low Fees: Robo-advisors typically charge lower fees than traditional financial advisors, making them accessible for young investors.

2. Hands-Free Investing: Once your portfolio is set up, the algorithm does all the work.

3. Diversification: Robo-advisors spread your money across different types of investments, reducing risk.

4. Tailored to Your Goals: Whether you’re saving for a home, retirement, or just growing wealth, robo-advisors tailor a plan to meet your specific goals.

How Does Automated Investing Work?

Automated investing, also known as algorithmic investing, uses advanced algorithms and preset strategies to manage investments. When you sign up with a robo-advisor, you typically answer a few questions about your financial goals, risk tolerance, and investment timeline. Based on this data, the robo-advisor selects a diversified portfolio, usually consisting of low-cost ETFs (Exchange-Traded Funds) that match your profile.

The beauty of automated investing for beginners is that it adapts over time. Let’s say your investment goals change, or the market fluctuates—your robo-advisor will automatically rebalance your portfolio to maintain the optimal mix of assets.

How Surmount’s Automated Investing Works

At Surmount, we take this a step further with smart investment strategies that are built to give you more than just a generic portfolio. Unlike traditional robo-advisors, Surmount allows you to:

• Automate your existing brokerage accounts with advanced strategies.

• Diversify your assets with smart portfolios designed by expert investors.

• Track and share strategies for additional income, providing transparency and liquidity.

Why Robo-Investing is Perfect for Beginner Investors

Let’s face it, most people today don’t have the time to sit down and learn the intricacies of investing. Whether you're starting your first job or building your career, robo-investing lets you grow your wealth without getting bogged down in financial jargon.

1. Accessibility

For beginner investors, the appeal of robo-advisors lies in their simplicity and accessibility. Unlike traditional brokers that may require high account minimums, many robo-advisors let you start investing with as little as $100.

2. Cost-Effective

One of the biggest barriers to investing is the cost. Hiring a human financial advisor can be expensive. Robo-advisors solve this problem by offering similar services at a fraction of the price. Platforms like Surmount operate on affordable subscription models, so you won’t have to worry about commission fees eating into your returns.

3. Time-Efficient

Automated investing allows you to "set it and forget it." Once you’ve chosen your investment strategy, your robo-advisor does the heavy lifting—saving you time and reducing stress.

Choosing the Best Robo-Advisors for Young Investors

When it comes to finding the best robo-advisors, there are a few key factors to keep in mind:

1. Low Fees – Look for platforms that charge minimal fees.

2. User Experience – You want a platform that is intuitive and easy to use, especially if you’re new to investing.

3. Customization – Some robo-advisors, like Surmount, allow you to customize your investment strategy to fit your financial goals.

4. Performance History – Check the performance track record of different platforms to see how well their strategies align with your goals.

Getting Started with Surmount: Automated Investing Made Simple

At Surmount, we’re on a mission to democratize automated investing for everyone—especially beginners. Our platform is designed with young investors in mind, offering accessible, transparent, and easy-to-use investment strategies. With Surmount, you can automate your existing brokerage accounts and tap into proven, tested strategies without needing to become an expert trader.

Here’s how you can start growing your wealth with Surmount:

1. Sign Up – Start by creating a free account on our platform.

2. Set Your Goals – Whether you're saving for a specific goal or just growing your portfolio, we help you outline your investment objectives.

3. Choose a Strategy – We offer various strategies, from conservative to aggressive, depending on your risk tolerance.

4. Let It Run – Once everything is set, you can sit back and watch your portfolio grow.

Final Thoughts

If you're a beginner looking to simplify your investment process while maximizing your potential returns, robo-investing is one of the best options out there. Platforms like Surmount give you access to automated investing strategies tailored specifically for young investors, letting you grow your wealth effortlessly. Whether you’re saving for a milestone or just building a financial foundation, robo-advisors offer a smart, low-cost solution for long-term success.

FAQs on Robo-Investing for Beginners

1. Is robo-investing safe?
Yes, robo-advisors are highly regulated and generally considered safe. They use algorithms to diversify and manage your portfolio, which can actually reduce risk compared to DIY investing.

2. How much money do I need to start?
Most robo-advisors have low minimums. At Surmount, you can start with just a small deposit and scale up over time.

3. Can I change my strategy later?
Absolutely! You can adjust your investment strategy or risk level at any time based on your financial goals.