Every major market crash in recent history – 2008, the COVID collapse of 2020, the rate-shock selloff of 2022 – left millions of investors wishing someone had seen it coming sooner. Now, with AI systems processing more financial data than any human team ever could, the question is obvious: can AI finally do what analysts, economists, and fund managers have failed to do consistently? Can it predict when the market is about to fall apart?
Updated: May 6, 2026 | Justin Reeves
How Robo-Advisors Decide Where to Put Your Money
You answer a handful of questions about your age, income, goals, and how you'd feel if your portfolio dropped 30% overnight – and minutes later, an algorithm has decided how to invest your money across dozens of funds spanning the entire global stock and bond market. No phone calls, no meetings, no waiting for a financial advisor to get back to you. Robo-advisors have made this kind of automated investing available to anyone with a smartphone and a few hundred dollars to start.