Best Robo-Advisors in Australia 2026: Stockspot vs Raiz vs Spaceship

Ever wondered how to grow your hard-earned Aussie dollars without needing a finance degree or a big lump sum to start? In 2026, robo-advisors like Stockspot, Raiz, and Spaceship are making investing as easy as ordering a flat white—automated, low-cost, and tailored for busy Aussies. These platforms use smart algorithms to build and manage diversified portfolios, perfect for building wealth towards that house deposit, retirement, or just beating inflation.

Whether you're a first-timer rounding up your Woolies shop or a seasoned investor eyeing tax optimisation, this head-to-head comparison breaks down the best robo-advisors in Australia 2026: Stockspot vs Raiz vs Spaceship. We'll cover fees, features, performance insights, and who suits different goals, all backed by the latest data. Let's dive in and find the right fit for your financial future.

What Are Robo-Advisors and Why Use Them in Australia?

Robo-advisors are digital platforms that automate investing by creating personalised portfolios based on your risk tolerance, goals, and timeline. They handle diversification across ETFs, shares, bonds, and even crypto or property—rebalancing automatically to keep things on track.

In Australia, they're regulated by ASIC, ensuring your funds are held with trusted custodians like NAB or HSBC, separate from the platform's own assets. No more picking individual stocks; these apps do the heavy lifting, often at a fraction of traditional adviser fees (which can hit 1-2% annually).

With the ASX hitting record highs in 2026 and superannuation balances growing, robo-advisors help everyday Aussies access global markets, tax strategies like CGT discounts, and even HECS-HELP debt strategies through low-risk growth.

Stockspot: The Premium Choice for Personalised Portfolios

Stockspot leads as Australia's original robo-advisor, launched in 2014 and managing hundreds of millions for thousands of clients. It's ideal for hands-off investors wanting expert management and tax smarts.

Key Features

• Personalised portfolios: Tailored via a quick quiz—conservative (heavy bonds) to aggressive (growth ETFs). Auto-rebalances to control risk and reinvests dividends automatically.
• Tax-loss harvesting: Sells losers to offset gains, slashing your tax bill—huge for higher earners.
• App and support: Track anytime via app or web; local Sydney team answers queries daily.
• Minimum: $2,000 initial, then $250/month—suited for committed investors.

Fees

0.55% p.a. management fee (drops to 0.50% over $250k) plus ETF costs (~0.2%). No entry/exit fees.

Best For

Serious long-term investors (e.g., super top-ups or home loans) who value diversification and lower volatility than pure shares. Clients rave about transparency and ease.

Raiz: Micro-Investing Made Simple for Everyday Aussies

Raiz, around since 2016, shines for beginners with its round-up feature—turn 70c coffee change into ETF shares automatically. Over 400,000 users and $694M+ under management as of late 2021, it's grown massively.

Key Features

• 9 portfolios: Risk-based, including ethical SRI, 5% Bitcoin, 30% Raiz Property Fund (micro-property exposure), or customisable with ASX stocks/ETFs.
• Round-ups and automations: Invest spare change from linked cards; recurring deposits from $5.
• Security: Bank-level encryption, assets held separately—no device storage risks.
• Minimum: Just $5—perfect for testing waters.

Fees

$5.50-$6.50/month subscription (or 0.275% on balances over $20k) + 0.2-0.5% annual portfolio fee + $0 brokerage.

Best For

Young Aussies or casual investors building habits. Great for ethical or property-curious folks without big starting capital.

Spaceship: Tech-Focused Growth for the Next Gen

Launched in 2016, Spaceship targets millennials with 200,000+ users and a sleek app for US/global tech exposure. Voyager portfolios emphasise high-growth sectors.

Key Features

• Portfolios: Universe (diversified global), Earth (growth), Origin (tech/AI). Mix of AU/global shares, bonds; some crypto tilt.
• No minimums: Start with $1 via app; weekly/fortnightly top-ups.
• Super integration: Roll over super easily for consolidated growth.
• Education: In-app resources for newbies.

Fees

Flat 0.05-0.15% monthly (under 0.2% p.a.) + ETF costs. Super competitive for small balances.

Best For

Tech enthusiasts or low-entry investors chasing US stocks/high-growth without complexity.

Stockspot vs Raiz vs Spaceship: Side-by-Side Comparison

Here's how they stack up in 2026:

Feature	Stockspot	Raiz	Spaceship
Minimum Investment	$2,000	$5	$1
Fees (p.a. est.)	0.55% + ETFs	$66/yr + 0.275%	0.1-0.2% + ETFs
Portfolio Options	Personalised ETFs/bonds	9 incl. crypto/property	3 growth-focused
Unique Perk	Tax harvesting	Round-ups	Super + tech focus
Best Investor Type	Long-term serious	Beginner micro	Tech/growth newbie

Stockspot edges for customisation and risk control; Raiz for accessibility; Spaceship for simplicity. Past performance? All track benchmarks closely, but diversify to smooth ASX volatility.

How to Choose the Best Robo-Advisor for You

Assess your goals:

• Small starts/no fuss: Spaceship or Raiz.
• Tax efficiency/growth: Stockspot.
• Check ASIC's MoneySmart for risks—investing can lose value.
• Link to ATO myGov for tax reporting; consider franking credits on AU shares.

Practical tip: Start with a free trial or demo account. Compare after-fees returns using their calculators.

Next Steps to Kickstart Your Investing

Download apps from Stockspot.com.au, RaizInvest.com.au, or Spaceship.com.au. Take their risk quizzes, fund with BPAY/Osako, and set auto-invest. Track via app, review yearly with ATO statements, and diversify across platforms if needed. Chat to MoneySmart or a licensed adviser for personal advice—this isn't it. Start small today; compound interest is your best mate for that Aussie dream lifestyle.