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Two online portals—Oro Wealth (by Alpha Fintech Pvt. Ltd)—are among the newest robo advisors, but also offer direct plans.The difference between expense ratios of the two types of plans is as low as 10-50 basis points in some schemes and as high as 100-148 basis points in some others. Before we come to that, let’s take a look at what the online platforms have to offer and whether they’re worth it. The two robo advisors, Oro Wealth and Invezta, will offer advisory service and a do-it-yourself (DIY) product.One basis point is one-hundredth of a percentage point. Invezta offers 16 fund houses at present, but this will increase over time.This is in addition to three other ways in which you can invest in MFs through direct plans—1) a fund house’s website, 2) my Cams (the online investment portal of Computer Age Management Services or Cams), and 3) Mutual Funds Utility (MFU) portal, sponsored by the Association of Mutual Funds of India (Amfi).