Marcus Invest vs Vanguard Personal Advisor: Which Is Better in 2026?

Prices checked October 2026. A price marked (Oct 2026) was read on the vendor's own pricing page; others are described without a number because we could not verify one.

Goldman Sachs' former automated investing service, closed in 2024 when its accounts moved to Betterment.

How it works: Marcus Invest used a questionnaire to set a risk level and invested in model ETF portfolios built by Goldman Sachs. Goldman Sachs closed it in 2024 and transferred the accounts to Betterment, so anyone who held one now has a Betterment account under Betterment's own pricing.

In practice, Marcus Invest’s AI discontinued in 2024. It is a robo-advisor (hands-off automated investing), best suited to former Marcus Invest clients checking where their account went. On connecting an account: no (holds your money at Marcus). On execution: not offered. Cost: discontinued; accounts moved to Betterment (2024).

One real limitation: Marcus Invest is closed: Goldman Sachs moved its accounts to Betterment in 2024, so the comparison that matters now is Betterment itself.

Vanguard's hybrid service pairing a low percentage fee with access to human advisors, built on Vanguard's own index funds.

How it works: Above a stated minimum you get a managed portfolio of Vanguard funds plus access to advisors for planning, at a percentage well below the industry norm. At lower balances that access is to a team of advisors; a higher tier assigns a named CFP professional.

In practice, Vanguard Personal Advisor’s AI none; hybrid human advice. It is a robo-advisor (hands-off automated investing), best suited to human advice at a low percentage, if you accept Vanguard funds. On connecting an account: no (holds your money at Vanguard). On execution: advisor-managed. Cost: about 0.30%/yr net (0.35% gross), $50,000 minimum (Oct 2026).

One real limitation: Below the top tier you work with an advisor team (a named advisor comes with the top tier), and the portfolios are Vanguard funds.

Category comes first. Marcus Invest focuses on former Marcus Invest clients checking where their account went (discontinued in 2024), and Vanguard Personal Advisor on human advice at a low percentage, if you accept Vanguard funds (none; hybrid human advice). On broker connection they differ too: Marcus Invest is “No (holds your money at Marcus)” versus Vanguard Personal Advisor at “No (holds your money at Vanguard)”. That shapes everything downstream: how personal the answers are, where trades settle, and how much control you keep over individual positions.

Every tool gives something up for what it does well. Below is the give-and-take on each, so you can weigh the specific strengths against the limitations that come with them, beyond the headline category.

For AI investing tools, the distinction that matters most is whether the tool works from your actual, connected positions or reasons from something else: a separate account it manages for you, or the tickers and numbers you feed it. It decides how personal the answers can be, and where your money physically lives.

• Marcus Invest: manages a separate account it holds. Marcus Invest does not read the brokerage you already use. It opens and holds a new account, then invests the money you move into it, so its view is limited to what sits inside Marcus Invest.
• Vanguard Personal Advisor: manages a separate account it holds. Vanguard Personal Advisor does not read the brokerage you already use. It opens and holds a new account, then invests the money you move into it, so its view is limited to what sits inside Vanguard Personal Advisor.

On this specific question the two land on the same side, so the deciding factors between them are elsewhere: category, cost, and who each is built for. This holdings-aware angle is the one Walnut is built around: it connects the brokerage you already use and reasons from your live positions, read-only by default, with any trades left for you to approve.

Each one wins a different job, so the answer depends on which job you need done.

• Choose Marcus Invest if you want former Marcus Invest clients checking where their account went. Its AI discontinued in 2024, and it costs discontinued; accounts moved to Betterment (2024). It is built for nobody opening a new account, since the service is closed; former clients should compare Betterment, where their account now sits. Keep in mind: marcus Invest is closed: Goldman Sachs moved its accounts to Betterment in 2024, so the comparison that matters now is Betterment itself.
• Choose Vanguard Personal Advisor if you want human advice at a low percentage, if you accept Vanguard funds. Its AI none; hybrid human advice, and it costs about 0.30%/yr net (0.35% gross), $50,000 minimum (Oct 2026). It is built for someone with a meaningful balance who wants occasional human advice and is content holding Vanguard funds. Keep in mind: below the top tier you work with an advisor team (a named advisor comes with the top tier), and the portfolios are Vanguard funds.
• Choose Walnut if you want a keep, trim or exit read on the stocks you already own, and placing the trades you approve. It is an AI investing app that connects the broker you already use, and it costs free; Walnut Plus $9.99/mo on the web; no fee on assets.

Because both sit in the same category, the choice comes down to the finer details above. Their basic approach is the same.

Cost is easy to misread when two tools charge in different shapes, so compare the model, not just the number. Marcus Invest: discontinued; accounts moved to Betterment (2024). Vanguard Personal Advisor: about 0.30%/yr net (0.35% gross), $50,000 minimum (Oct 2026). A percentage-of-assets fee scales with your balance, a flat subscription does not, and a “free” tier usually earns elsewhere (on cash, order flow, or premium upgrades), so the cheapest headline is not always the cheapest outcome for your situation.

Prices checked October 2026. Pricing and tiers change, so confirm the current numbers on each provider’s own site before you decide.

Walnut is an AI investing app, and it is the pick for a keep, trim or exit read on the stocks you already own, and placing the trades you approve (free; Walnut Plus $9.99/mo on the web; no fee on assets). It connects the brokerage you already use, read-only by default, gives each holding a keep, trim or exit read against the S&P 500, flags any position above a quarter of the portfolio, and places the trades you approve. You use it through its own assistant, or inside Claude or ChatGPT. See Walnut vs Marcus Invest and Walnut vs Vanguard Personal Advisor.