Our Take

Robo-investing is typically a process where you answer some risk tolerance, age, and income questions to determine a model portfolio that is invested in funds and periodically rebalanced. While Titan offers this service, the company does more than that. Titan offers its investors access to more actively managed funds, which seek to outperform index funds. Titan also offers direct access to alternative asset classes often reserved only for accredited investors, including real estate and venture capital.

The company has seen some changes in its overall offerings going into 2024. It has pared down the cryptocurrency exposure to a 50/50 Ethereum and Bitcoin fund and removed inverse ETFs. In terms of the robo-advisory, however, things remain simple and cheap. We’ll dig into the pros and cons of Titan’s more active approach, so you can determine whether the company’s offerings are right for you.

Pros & Cons

  • No fee robo-advisor

  • Access to alternative assets

  • Innovative Smart Cash algorithm

  • Standard robo services offering is limited

  • Limited goal planning tools

  • No tax-loss harvesting

Account Overview

Account Minimum $500
Fees 0% for automated portfolios, 0.7% to 0.9% for active portfolios
Goal Setting Cash management, short- and long-term investing, retirement
Available Assets Stock and bond ETF, mutual funds, private credit, venture capital, cryptocurrency, Treasuries, managed equity strategies
Interest Paid on Cash Balances No sweep on robo-advisor, but clients can open a separate Smart Cash account with a 5.3% APY
Customizable Portfolio No
View Portfolio Before Funding Yes
Customer Service Live chat 9 a.m. to 6 p.m. ET, virtual chatbot, email support
Financial Advisor Available Yes
Cash Management Titan Smart Cash, high-yield savings account, traditional savings account
Tax-Loss Harvesting No
External Account Syncing/Consolidation No
Mobile App Android, iOS

Account Setup

The account setup is typical for a robo-advisor. Titan requires you to enter your address and contact information and then complete text verification in order to move forward into the basic information-gathering process, mainly identifying your age, net worth, goal for opening the account, investment time horizon, and risk tolerance. For each piece of information requested, there is an option to click and learn why it is necessary.
When you are done inputting your data, the system recommends three different strategies that include more traditional accounts as well as alternative asset accounts. For the passive and actively managed funds, Titan suggests three options: a diversified growth portfolio, an automated stocks and bonds portfolio, and a low-risk portfolio. Custom portfolios are also available.
The minimum account size for passive and actively managed funds at Titan is $500. Expense ratios are passed on for the passive accounts, and there are additional fees and expenses for the actively managed accounts. 
Once you decide to move forward, the process is similar to other accounts. You fund the account, then get up and running with your portfolio. A nice feature of Titan-managed accounts is that they support fractional share trading, so you can get invested right away.
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Source: Titan

Goal Planning

Goal planning on Titan is somewhat limited. There is a retirement planning tool that takes in your annual income, current retirement assets, and years to retirement to calculate whether you are on track. Beyond that, Titan’s planning tools are unable to account for large purchases such as a home, vehicle, or college. All clients have access to a range of financial calculator tools.

Investopedia Robo-Advisor Survey

According to Investopedia's 2023 Robo-Advisor Consumer Survey, when asked to choose from a list of up to three top investment goals that they are most likely to use their robo-advisor to plan for, the majority of respondents chose using these digital wealth management platforms to invest for large purchases like houses, vehicles, and travel.

Respondents were able to select more than one, up to three.

Account Services

Many robo-advisors provide a variety of services for their account holders, including cash management products and customization, as well as various features some investors look for, such as charitable giving tools; a focus on diversity, equity, and inclusion (DEI) or environmental, social, and governance (ESG) investing; and the ability to sync and analyze outside accounts. Titan offers some cash management options at this point, but little else. 

Cash Management

Titan has a cash management program called Smart Cash, which provides an APY as high as 5.30% or even 6% if you refer a friend right now. Titan searches for the best short-term rates across treasury securities for Smart Cash, so that cash is invested at the highest possible rate for a high after-tax interest rate. Further, the Smart Cash program also spreads investments across institutions to maximum FDIC protection. 

Although the Smart Cash cash management services provide a competitive interest rate, Titan does not offer any cash management tools such as checking, bill paying, or other traditional banking services. Compared to other robo-advisors, Titan’s cash management tools are limited, even if the interest rate paid through Smart Cash is competitive.

Portfolio Construction

Portfolios are created utilizing modern portfolio theory (MPT) and mean-variance analysis optimization. The passively managed portfolios are rebalanced when they are flagged by Titan’s algorithms. At a minimum, the rebalancing is quarterly. Actively managed portfolios are also constructed using modern portfolio theory, but are managed more opportunistically in an attempt to obtain better returns than the S&P 500.

In addition to the automated stock and bond offerings, Titan gives investors access to three actively managed portfolios:
  • Titan Flagship: A fund focused on U.S. large-cap companies
  • Titan Opportunities: A fund looking for small-cap growth 
  • Titan Offshore: A fund looking for non-U.S. stocks
Titan also has a cryptocurrency fund with exposure to Bitcoin and Ethereum. 
There are also non-proprietary alternative investment funds, including Carlyle Tactical Private Credit, Apollo Diversified Credit, ARK Venture, and Apollo Real Estate. These funds often have a higher minimum investment than the Titan funds. It is important to note that the actual robo-advisor controlled portfolios exclusively deal with ETFs.

Available Assets

Individual Stocks No
Mutual Funds Yes
Fixed Income Yes 
REITs Yes 
Socially Responsible or ESG Options No
ETFs Yes
Non-Proprietary ETFs Yes
Private Equity Yes
Forex  No
Crypto Yes

Portfolio Customization

Portfolio customization at Titan is primarily related to the specific answers each client provides when creating or maintaining an account, including the goals they have for the account, how risk-averse they are, and which asset classes they want to invest in. These decisions help Titan determine the portfolio suggestions and mixes. While the portfolios can’t be customized for each client, specific securities can be omitted from a portfolio. The crypto portfolio is outside of the robo-advisor account and is not managed by it, although both can be added within the same overall investor account.

Portfolio Management

The robo-advisor controlled portfolios are rebalanced as needed based on drift triggers. If there is no triggering event, the portfolios are still assessed quarterly at a minimum. The robo-advisor controlled portfolios are not managed for tax-loss harvesting and there is no ability to direct charitable giving from these accounts. 

Clients can, however, see progress toward their goals in real time. Another positive about Titan is that it supports fractional shares, allowing new funds and dividends to be invested into the portfolio quickly.
Key Portfolio Management Features
Automatic Rebalancing As needed; triggered by portfolio drift
Reporting Features Statements, tax information
Tax-Loss Harvesting No 
External Account Syncing/Consolidation No

User Experience 


The desktop platform works smoothly. It is a basic website that covers all the key information effectively. You can also see the various investment options available without logging in. If you have an account, you can easily choose products to add. The retirement calculators are relatively basic and easy to use on the desktop platform. The website lacks a traditional search bar, but a chatbot and answers function fulfill that need, providing content based on your query. 


The mobile platform largely mirrors the desktop experience, and is easy to navigate. The platform is clearly designed with a mobile-first tilt, so the app and mobile site experience are intuitive and fast. The app has ratings of 4.5 and 4.7 on Google Play and the Apple App Store respectively. 

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Source: Titan

Customer Service

  • Live chat 9 a.m. to 6 p.m ET.
  • Virtual chatbot 
  • Email support
Customer service at Titan is limited, but prospective and existing clients can speak with customer service via online chat between 9 a.m. and 6 p.m ET. There is no phone support available at this time; however, Titan’s Investor Relations team is staffed with series 7 and series 63-licensed professionals who are available to chat with clients about portfolio construction, investment strategies, and more. Access is available via the Titan app, email, or text chat.

Titan does not provide access to financial planners that can help map out long-term strategies and detailed retirement goals, but it does integrate with some third-party applications. This includes linking to Empower (previously called Personal Capital), which offers free financial planning and personal wealth management services that include the ability to link multiple external accounts, including Titan accounts, to show an investor’s complete financial picture. Titan does not provide integration with Mint.com, but an account at Apex, Titan’s clearing firm, can be linked to directly from Mint.com. Titan does not currently integrate with Quicken or any applications related to crypto positions.


Titan provides standard security, which includes encrypted websites that utilize two-step authentication and/or biometrics for safe connections. Titan also provides SIPC and FDIC coverage for accounts. On cash equivalents, Titan is able to utilize multiple banks, which provides coverage for up to $5 million, allowing more investor cash to fall under the FDIC insurance umbrella.


Titan provides educational and research content on its website. It has research and news update articles, as well as a suite of videos on various educational topics. The videos are typically less than two minutes in length and offer introductions to topics such as “what is venture capital,” “what is the stock market,” “what is robo-investing,” and so on. There is separate retirement planning software on Titan Invest, as well as calculators to see future projections.
While it is nice to see educational and other supporting information, the larger brokerage companies typically have much more to offer for investing education and market research and it is often available for free without even opening an account. So, while Titan has some decent content, it is not especially unique. Further, while there is an FAQ section on the Titan website, it is difficult to find the page, and more than a few topics don’t have a corresponding FAQ. 

Commissions and Fees

Fees from Titan vary based on the investments chosen. Some of Titan’s fees are high relative to other, more traditional robo-advisors, but this is largely because of its active management approach for accounts and also because it provides access to asset classes, such as venture capital and credit strategies, that are not typically offered by robo-advisors. The basic robo-advisor accounts, Automated Stocks and Automated Bonds, are fee-free.
The fees and minimums for various accounts are as follows:
  • Smart Cash: This account has no management fees and just a $5 minimum for getting started and subsequent additions
  • Automated strategy accounts: These act like more traditional robo-investing accounts that provide a model portfolio and periodically rebalance against the portfolio. They have no management fees, but the fund expense ratios are passed through to the investor. This is a low-cost option, as the fund fees are just 0.039% for the Automatic Stocks offering and 0.10% to 0.12% for Automated Bonds. While these fees are low, other traditional robo-advisors often have more portfolios available and have lower fees and minimums.
  • Actively managed stock accounts: These require a minimum of $500, and have a management fee that begins at 0.90% of AUM per year up to $25,000 in account value, then 0.80% of AUM per year up to $100,000, and a fee of 0.70% on all remaining assets above $100,000. These rates and minimums apply to the Flagship, Opportunities, and Off-Shore actively managed funds. These rates also apply to Titan’s crypto and strategy offerings. These management fees are high relative to more traditional robo-advisors, but if performance outpaces the S&P, the higher fees may be worth paying.

Titan offers additional actively managed, non-proprietary funds. These have different fee structures. For example, the Tactical Private Credit strategy fund has a $2,000 minimum investment, and the same 0.90%, 0.80%, or 0.70% Titan management fee, but there is also a 1% management fee to the external managers, which increases to 15% once a hurdle rate of 6% is achieved. The ARK Innovation Fund only has a $500 minimum investment amount, although management fees are 2.75%.

The Bottom Line

Titan works well and is easy to use, but is it right for you? That depends on what you are looking for. If you want a no-frills robo-advisor with low fees, Titan can be a solid fit. This is especially true if you are looking to have some of your portfolio actively managed or if you want access to private equity, real estate, and credit strategies, Titan offers access to these markets to non-accredited investors for less than what actual hedge funds charge. 

If you are looking for a full-featured robo-advisor experience, however, Titan can't compete with the more immersive and customizable experiences at Wealthfront and Betterment or the value for money of a Fidelity Go or Schwab Intelligent Portfolios at lower balance, fee-free tiers.

Regarding Titan’s actively managed strategies, the performance of the investments needs to be high enough to make up for the higher management fees. Returns on Titan’s funds benchmarked against the S&P have outperformed during recent stretches, but Titan’s Flagship Fund has an annualized return of 12.31% since inception on Feb. 20, 2018. This is ahead of its benchmark currently, but there have been some peaks and valleys as with all active funds.   

How Does Titan Save You Money on Taxes?

Titan doesn't really do a lot in terms of tax savings beyond using some tax-advantaged treasury funds for the Smart Cash account. The savings account is outside the robo-advisor accounts of Automated Stocks and Automated Bonds, neither of which offer any tax-loss harvesting or tax optimization in terms of asset selection.

Is It Safe to Use Titan to Invest?

Yes, Titan is safe to use. The company is registered with the SEC and is reputable. The safety of the company and the assets invested in the company, however, is not the same as the safety of the investments chosen. The various investing options at Titan span from a traditional portfolio of ETFs to exposure to other markets, including private equity and real estate, so there is a range of potential investment outcomes. 

Is Titan FDIC Insured?

The Titan cash product, which is a higher-yield savings vehicle, provides up to $250,000 in FDIC insurance. Customers who sign up for Titan’s Cash Sweep program receive up to $5 million in FDIC insurance; this higher coverage is achieved by the program manager using partner banks to invest cash. 

Investment accounts are provided with standard SIPC protection against failure of the brokerage firm, up to $500,000, with a maximum of $250,000 in cash. 

What Is the Minimum You Can Invest With Titan?

The minimum investment amount at Titan Invest changes based on the investment vehicle. The Smart Cash product requires just $5. Automated and actively managed accounts require a minimum investment of $500, and some of the specialty funds require at least a $2,000 investment.

Who Is the CEO of Titan?

Clayton “Clay” Gardner is co-CEO and founder of the company. Joe Percoco is the other co-CEO. Clay and Joe were friends at Wharton. Their other partner, Max Bernardy, graduated from Stanford. While working at hedge funds and large banks, they thought it would make sense to provide smaller investors with access to the same trading strategies, including access to alternative strategies, offered by hedge funds. Their platform dream, which also included actively managed funds utilizing strategies used by other hedge funds, evolved into Titan. Gardner is responsible for the portfolio creation and active management strategies for the portfolios.

How We Review Robo-Advisors

Providing readers with unbiased, comprehensive reviews of digital wealth management companies, more commonly known as robo-advisors, is a top priority of Investopedia. We used our 2023 consumer survey to guide the research and weightings for our 2024 robo-advisor awards. To collect the data, we sent a digital survey with 64 questions to each of the 21 companies we included in our rubric. Additionally, our team of researchers verified the survey responses and collected any missing data points through online research and conversations with each company directly. The data collection process spanned from Jan. 8, to Feb. 9, 2024.

We then developed a quantitative model that scored each company to rate its performance across nine major categories and 59 criteria to find the best robo-advisors. The score for each company’s overall star rating is a weighted average of the criteria:
  • Account Services: 10.00%
  • Account Setup: 5.00%
  • Customer Service: 5.00%
  • Fees: 15.00%
  • Goal Planning: 21.00%
  • Portfolio Contents: 17.00%
  • Portfolio Management: 17.00%
  • Security & Education: 5.00%
  • User Experience: 5.00%
Additionally, during our 2023 research, many of the companies we reviewed granted our team of expert writers and editors access to live accounts so they could perform hands-on testing.
Through this all-encompassing data collection and review process, Investopedia has provided you with an unbiased and thorough review of the top robo-advisors.

Read more about how we research and review robo-advisors.

Separately, our research team conducted a survey of 205 U.S. adults aged 18 to 72 who are current clients of one of 18 robo-advisors. While the information collected did not influence the development of our ratings model, it was instrumental in gathering the valuable insights published in Investopedia's 2023 Robo-Advisor Consumer Survey.

Participants in our 2023 Robo-Advisor Survey opted in to an online, self-administered questionnaire from a market research vendor. Data collection took place between Aug. 30 and Sept. 15, 2023, with 11 video interviews conducted with volunteer respondents from Sept. 7 to Sept. 17, 2023. Multiple quality checks, including screeners, attention gauges, comprehension evaluations, and logic metrics, among others, were used to ensure only the highest quality responses were included.
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From Titan's online demonstration with Investopedia. Titan
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