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If you are an investor and find it hard to manage your investments and money, it is best to hire a robo advisor. If you believe that the cost of hiring a robo-advisor is cheaper than that of] a human, then proceed. While it is true that a robo-advisor can be efficient in managing your investing decisions, a human advisor may be best for more complex decisions like helping you choose the right investment and the right kind of loans should you apply for it for a very important repayment plan but the cost of hiring a human advisor is higher compared to a robo advisor. If cost is a factor, robo-advisors typically win out on this.