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Automation · Video

Robo-advisors vs. trading algorithms

Both run on autopilot. Only one tries to own the market’s leaders.

Robert Ratcliff
Robert RatcliffFounder & CEO, Strike Algo · 2 min watch
Robo-advisors vs. trading algorithmsClick to watch the video2:41 · Turn your sound on 🔊Video · Robert Ratcliff, Founder
Independently verified recordExamined by Alpha Performance Verification Services · Apr 2020 to Oct 2026
See the report →
+1,094.2%Total return. S&P 500 (SPY): +215.8%
44.3%Per year, compounded. S&P 500: 19.3%
-37.0%Deepest drawdown. S&P 500: -25.4%
-22.1%Worst month, July 2026
Independently verifiedAlpha Performance Verification Services examined every month since April 2020.
Your money stays in your nameYour own Interactive Brokers account. Strike can trade. It can’t withdraw.
6.5 years · 2,239 tradesSame rules since 2020, through good markets and bad.
Real people, San Diego500+ clients across Capital B28, live events, and a team you can call.
The short version
  • A robo-advisor puts you in a low-cost mix of index funds to match the market.
  • A trading algorithm picks individual stocks by fixed rules to own whatever is leading now, with bigger swings.
  • With any automated product, check that you can read the rules and that your money stays in your own name.
● Results from our community

92 results. 34 video stories.

Scroll the whole wallBook a call
Member post, Jun 1, 2026. Up 67.85% in six months on $100K, against 14.23% for the S&P and 27.68% for QQQ.Year-to-date return of 26.26% against the S&P 500.Member post, Jun 11, 2026. Momentum orders filled in Interactive Brokers.A 20-name book with unrealized gains by position.Member post, Apr 15, 2026. Live since Oct 1, 2025, alongside a buy-and-hold account. "Momentum is much more volatile."What made up May's 17.5%, by position.Member post, Jun 10, 2026. Orders executed through the momentum strategy.Interactive Brokers account, up 13.39% year to date.Account up 55.98% year to date.Interactive Brokers book, up 2.42% on the day.The investor Robert first learned momentum from. All accounts at $14.07M. He runs his own momentum strategy, not Strike.Capital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultMember post, Jun 1, 2026. Up 67.85% in six months on $100K, against 14.23% for the S&P and 27.68% for QQQ.Year-to-date return of 26.26% against the S&P 500.Member post, Jun 11, 2026. Momentum orders filled in Interactive Brokers.A 20-name book with unrealized gains by position.Member post, Apr 15, 2026. Live since Oct 1, 2025, alongside a buy-and-hold account. "Momentum is much more volatile."What made up May's 17.5%, by position.Member post, Jun 10, 2026. Orders executed through the momentum strategy.Interactive Brokers account, up 13.39% year to date.Account up 55.98% year to date.Interactive Brokers book, up 2.42% on the day.The investor Robert first learned momentum from. All accounts at $14.07M. He runs his own momentum strategy, not Strike.Capital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community result
+14.59% total return in the past week.+15.86% total return this month.+13.43% total return in the past month.+11.10% total return in the past week.$9,777 unrealized P&L.$14,257 unrealized P&L.$16,263 unrealized P&L.Interactive Brokers account, up 11.13% year to date.A 20% move in five days, from $7.86M to $9.42M.All accounts, up 1.15% on the day.Capital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community result+14.59% total return in the past week.+15.86% total return this month.+13.43% total return in the past month.+11.10% total return in the past week.$9,777 unrealized P&L.$14,257 unrealized P&L.$16,263 unrealized P&L.Interactive Brokers account, up 11.13% year to date.A 20% move in five days, from $7.86M to $9.42M.All accounts, up 1.15% on the day.Capital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community resultCapital B28 community result

Capital B28 community across all programs, including trading education. Not Strike results unless stated. Not typical; individual results vary.

When people search for automated investing, they usually find two completely different things lumped together. One is a robo-advisor. The other is a trading algorithm. They both run on autopilot, but they do very different jobs with your money.

In this video I’ll break down what each one actually does, what you’re really getting, and who each one makes sense for. By the end you’ll know which kind of automation fits what you’re trying to do.

Both automated. Different jobs.

Let’s start with the robo-advisor. You answer a few questions, it puts you in a mix of index funds, usually stocks and bonds, and it rebalances back to that mix over time. Its goal is to match the market at a low cost. It’s simple, it’s cheap, and for a lot of people it’s a great place for their money.

A trading algorithm is a different animal. Instead of buying the whole market, it picks individual stocks using a fixed set of rules, and it changes what it owns as the leaders change. The goal isn’t to match the market. It’s to own whatever is strongest right now.

That’s what Strike does. It ranks about 450 of the most liquid U.S. stocks every day, holds the strongest 20, and rotates once a month. That focus is where the upside comes from. It’s also why the swings are bigger than an index fund, in both directions.

Curious what owning the leaders would look like for you?Book a call →

Pick the one that matches you

So how do you choose? It comes down to what you want your money to do.

If you want to match the market with the smallest possible swings, a robo-advisor is built for that. If you want to own the stocks that are leading right now, and you can handle bigger swings for the chance at more, that’s what a trading algorithm is for.

Two more things to check with any automated product. First, can you actually read the rules? If somebody tells you it’s a secret, walk away. Second, where does your money sit? With Strike, it sits in an Interactive Brokers account in your own name. Strike can place trades. It can’t withdraw a dollar.

A lot of people do both, by the way. They keep their core in index funds and put a slice into a strategy like this.

Your whole job: about 15 minutes a month

So what does the automation actually look like day to day?

Every day, the stocks get re-ranked, so you can always see where everything stands, the portfolio value, the return, and the 20 positions it’s holding.

When it’s time to rotate each month, all 20 orders are already built. You look them over and confirm. That’s your whole job, about 15 minutes a month.

And the orders go into your own Interactive Brokers account, where every trade shows up the moment it happens.

See the automation run, live.

So that’s the difference. A robo-advisor automates matching the market. A trading algorithm like Strike automates owning the leaders, with rules you can read, in an account in your own name.

If you want to see it run on your own numbers, go to strikealgo.net and book a call. We’ll walk you through the platform live and show you the full verified record.

Why this matters if you’re considering Strike

A lot of people keep their core in index funds and add a focused slice for growth. If that sounds like you, the call is where we figure out how big that slice should be, what the swings could feel like, and what your 15 minutes a month actually look like.

What happens on your call
1
We open the record togetherThe verified report, every month, the good and the bad. Ask anything.
2
We map it to your accountHow Strike would run in your own Interactive Brokers account, the minimum, and what the swings could feel like.
3
You decidePaper trade first if you like. No pressure, and if it isn’t a fit, we’ll tell you.
$100,000, same months
S&P 500
$315,800
BlackRock MTUM
$318,300
Strike
$1,055,200
Jegadeesh & Titman 1993George & Hwang 2004Moskowitz, Ooi & Pedersen 2012

$100,000 invested April 2020, value September 30, 2026. MTUM NAV total returns per BlackRock. Strike: verified model record, gross of fees. Same months.

Real people. Real screenshots.

Hear from our community

Video after video, result after result. Keep scrolling. It keeps going.

These results come from the Capital B28 community across all of our programs, including our trading education. They are not Strike Algo results unless stated. Results shown are not typical and are not a promise of future results. Individual results vary. Strike's own numbers are the verified model record.

Member post, Jun 1, 2026. Up 67.85% in six months on $100K, against 14.23% for the S&P and 27.68% for QQQ.
“Video testimonialClient story
+14.59% total return in the past week.
Year-to-date return of 26.26% against the S&P 500.
“Video testimonialClient story
Capital B28 live event · San Diego
+15.86% total return this month.
“Video testimonialClient story
Member post, Jun 11, 2026. Momentum orders filled in Interactive Brokers.
+13.43% total return in the past month.
“Video testimonialClient story
A 20-name book with unrealized gains by position.
+11.10% total return in the past week.
“Video testimonialClient story
⚡Want to see if Strike fits your account?

Book a call and see how Strike runs in your own Interactive Brokers account.

Book a call
Member post, Apr 15, 2026. Live since Oct 1, 2025, alongside a buy-and-hold account. "Momentum is much more volatile."
$9,777 unrealized P&L.
“Video testimonialClient story
What made up May's 17.5%, by position.
$14,257 unrealized P&L.
“Video testimonialCody
Member post, Jun 10, 2026. Orders executed through the momentum strategy.
Capital B28 live event · San Diego
“Video testimonialDavud
$16,263 unrealized P&L.
Interactive Brokers account, up 13.39% year to date.
“Video testimonialFab
Interactive Brokers account, up 11.13% year to date.
Account up 55.98% year to date.
⚡Questions? Talk to a real person.

Book a call and see how Strike runs in your own Interactive Brokers account.

Book a call
“Video testimonialEtianie
Capital B28 live event · San Diego
A 20% move in five days, from $7.86M to $9.42M.
“Video testimonialScott
Interactive Brokers book, up 2.42% on the day.
All accounts, up 1.15% on the day.
“Video testimonialZay
The investor Robert first learned momentum from. All accounts at $14.07M. He runs his own momentum strategy, not Strike.
“Video testimonialTonio
“Video testimonialSuyen
⚡Ready to put a system on it?

Book a call and see how Strike runs in your own Interactive Brokers account.

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“Video testimonialSu
Capital B28 live event · San Diego
“Video testimonialSteve
“Video testimonialStano
“Video testimonialRoberto
Capital B28 live event · San Diego
“Video testimonialPedro
⚡Like what you're seeing?

Book a call and see how Strike runs in your own Interactive Brokers account.

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“Video testimonialPat Murray
“Video testimonialJulian
“Video testimonialJoe
“Video testimonialJL
Capital B28 live event · San Diego
⚡Want to see if Strike fits your account?

Book a call and see how Strike runs in your own Interactive Brokers account.

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“Video testimonialJK
“Video testimonialGrant
“Video testimonialErik
Capital B28 live event · San Diego
“Video testimonialColby
“Video testimonialZee
⚡Questions? Talk to a real person.

Book a call and see how Strike runs in your own Interactive Brokers account.

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“Video testimonialBen
“Video testimonialAxel
“Video testimonialAtum
Capital B28 live event · San Diego
⚡Ready to put a system on it?

Book a call and see how Strike runs in your own Interactive Brokers account.

Book a call
Capital B28 live event · San Diego
Capital B28 live event · San Diego
⚡Like what you're seeing?

Book a call and see how Strike runs in your own Interactive Brokers account.

Book a call
Capital B28 live event · San Diego
Capital B28 live event · San Diego
⚡Want to see if Strike fits your account?

Book a call and see how Strike runs in your own Interactive Brokers account.

Book a call
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
⚡Questions? Talk to a real person.

Book a call and see how Strike runs in your own Interactive Brokers account.

Book a call
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego
Capital B28 live event · San Diego

Frequently asked questions

What's the difference between a robo-advisor and a trading algorithm?

A robo-advisor builds a diversified index-fund mix to match the market at low cost. A trading algorithm picks individual stocks with fixed rules and changes holdings as leadership changes.

Which is better, a robo-advisor or an algorithm?

Neither is better for everyone. Robo-advisors suit people who want market returns with smaller swings; a momentum algorithm suits people who want to own the current leaders and can handle bigger swings.

How much time does Strike take each month?

About 15 minutes. The orders are built for you at the monthly rotation; you review and confirm them in your own Interactive Brokers account.

See what owning the leaders looks like.Book a call. A real person walks you through the record and the platform live.
Book a call
Read the full video transcript

When people search for automated investing, they usually find two completely different things lumped together. One is a robo-advisor. The other is a trading algorithm. They both run on autopilot, but they do very different jobs with your money.

In this video I’ll break down what each one actually does, what you’re really getting, and who each one makes sense for. By the end you’ll know which kind of automation fits what you’re trying to do.

Let’s start with the robo-advisor. You answer a few questions, it puts you in a mix of index funds, usually stocks and bonds, and it rebalances back to that mix over time. Its goal is to match the market at a low cost. It’s simple, it’s cheap, and for a lot of people it’s a great place for their money.

A trading algorithm is a different animal. Instead of buying the whole market, it picks individual stocks using a fixed set of rules, and it changes what it owns as the leaders change. The goal isn’t to match the market. It’s to own whatever is strongest right now.

That’s what Strike does. It ranks about 450 of the most liquid U.S. stocks every day, holds the strongest 20, and rotates once a month. That focus is where the upside comes from. It’s also why the swings are bigger than an index fund, in both directions.

So how do you choose? It comes down to what you want your money to do.

If you want to match the market with the smallest possible swings, a robo-advisor is built for that. If you want to own the stocks that are leading right now, and you can handle bigger swings for the chance at more, that’s what a trading algorithm is for.

Two more things to check with any automated product. First, can you actually read the rules? If somebody tells you it’s a secret, walk away. Second, where does your money sit? With Strike, it sits in an Interactive Brokers account in your own name. Strike can place trades. It can’t withdraw a dollar.

A lot of people do both, by the way. They keep their core in index funds and put a slice into a strategy like this.

So what does the automation actually look like day to day?

Every day, the stocks get re-ranked, so you can always see where everything stands, the portfolio value, the return, and the 20 positions it’s holding.

When it’s time to rotate each month, all 20 orders are already built. You look them over and confirm. That’s your whole job, about 15 minutes a month.

And the orders go into your own Interactive Brokers account, where every trade shows up the moment it happens.

So that’s the difference. A robo-advisor automates matching the market. A trading algorithm like Strike automates owning the leaders, with rules you can read, in an account in your own name.

If you want to see it run on your own numbers, go to strikealgo.net and book a call. We’ll walk you through the platform live and show you the full verified record.

Trading involves risk, and this isn’t investment advice. See you in the next one.

Strike Algo figures are a model strategy, calculated gross of fees and trading costs, as examined by Alpha Performance Verification Services, and are not the results of any client account. Past performance does not guarantee future results. Trading involves risk, including loss of principal. Not investment or tax advice. Capital B28 provides software and is not an investment adviser.

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Your money stays in your account. The system does the work. You get your evenings back.

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