Ukutshala imali akuzange kube lula
Entsha kumbono wee-robo-advisors? Nantsi asebenza ngayo: Abacebisi beRobo zii-platforms zokutshala ngokuzenzekelayo ngekhompyutha. Emva kokusayinwa nokuzalisa imibuzo emfutshane yokuphendula imibuzo malunga nobudala bakho, iinjongo zokuthatha umhlalaphantsi kunye nokunyamezela komngcipheko, umcebisi we-robo uza kuhlanganisa iphothifoliyo efanelekileyo kwiinjongo zakho kwaye uyigcine ngokuzenzekelayo ukuba uhlale kwixesha elide. Zihlala zibiza imali encinci kwaye zinikezela ngaphezu komcebisi wendalo-mali wendalo, kodwa zithathe iqela elilodwa lomntu kwi-equation. Oku kukhokelela kwinjongo eninzi kunye neendleko zokuhlawula indleko, ezincinci ezinkulu kubafaki-zimali abathengisa yonke imvelaphi.
I-Robo-conseilors ngokukhawuleza ibe yindlela ekhethiweyo yokutyalisela abatyalo-mali ngeendlela ezahlukeneyo kunye neenjongo. Kwaye kunengqiqo: Yindlela enhle yokulawula imali yakho ingozi ephantsi kwaye ihlawulwe imali ephantsi. Ukuqhathaniswa nabacebisi bezezimali ezibiza ngezezimali, abadala bee-robo-abacebisi baya kukushiya ngemali emininzi ekupheleni, njengoko behlawula imali encinane, banikeze ukulahlekelwa kweerhafu ukuvuna kwaye bakhethe iikhompyutheni zeengxowa-mali ezihlolwe ixesha eliza kukunceda ufinyelele injongo yakho ngokufanelekileyo njengoko kwenzeka.
Ukuba unokuzingela umcebisi we-robo, jongene nemirhumo, ukuhlawula ierhafu, ukuhlawulwa kweerhafu, imali yokutsalwa kweengxowa-mali kunye nokurekhoda kweefowuni zakho zokuqhathaniswa neentengiso ezinkulu, njengeS & P 500. Ukuba unokufumana utyalomali okunceda ufikelele kwiinjongo zakho ngelixa ugcina imali, unokuphumelela ezandleni zakho. Yiloo nto i-robo-advice on all about. Ukukunceda ukuba unqume ukuba zeziphi iimfuno zakho, zikhangele kwisikhokelo esingezantsi esicoca ngokubaluleka kwee-robo-advisors namhlanje.
01 Eyona ndawo iphezulu: Ukuphucula
Ulungiso lubizwa ngokuba ngumeluleki omdala kunabo bonke kwaye lukhulile luye phezulu kwinqumle. Ulungelelaniso lunama-dollar ayi-10 kwii-asethi phantsi kolawulo, okwenza lube lukhulu kunazo zonke kwiifemu ezizimeleyo ze-robo-advisers.
Ulungelelwano lubonelela ngeengxelo zeemali zonyaka ukusuka kwi-25 ukuya kwi-04.0 yeepesenti, kunye nokufikelela kunyaka wamahhala olawulo ngokuxhomekeka kubukhulu besiphofu sokuvula. Ininzi i-akhawunti ine-.25 yemali yeepesenti, nangona i-akhawunti ye-premium ikhona ngeempawu ezongezelelweyo ze-akhawunti ezingaphezu kwe-100,000 zamawaka ngokukhulula kwemali ye-0.40 yepesenti.
Akukho ncinane ibhalansi yokuvula i-akhawunti entsha, eyenza ukuba ikhangele ngakumbi kubatyalomali abatsha ngaphandle kokutyalomali.
Xa ubhalisela iNgcaciso, uza kugqiba uphando olutshanje malunga neenjongo zakho zokutyalomali kunye nokunyamezela kokunyamekela ingozi, oko kuphendulelwa kwisicwangciso sotyalo-mali ngokuzenzekelayo. Abathengi beNtengiso banokufumana ukulahleka kweerhafu ukuvuna ukufumana ukuzuza okukhulu nakwi-portfolio yakho.
02 Eyona ndlela ihamba phambili kwiNew Robo-Investors: Impahla yobutyebi
Ngama-dollar angaphezu kwe-8 yezigidi kwiimpahla phantsi kolawulo, i-Heritagefront enye yinto enkulu yokukhetha. Uninzi lweakhawunti lihlawula ixabiso eliphantsi. Imirhumo ye-ETF ihlawulisa i-0.08 pesenti ye-APR, phakathi kwamaxabiso aphantsi ngaphaya.
I $ 5,000 yokuqala obeka kuyo ilawulwa sikhululekile, okwenza i-Wealthfront ikhethwe phezulu kulabo bafuna ukuvavanya amanzi kwi-robo-advising. Ungayifaka inxalenye encinci yepottoliyo yakho, okanye into epheleleyo kwiiposfoliyo ezincinci, ngaphandle kokuhlawula ipenisi kwiimali zokulawula (uya kuhlawula imali yentlawulo ye-ETF / i-ETF).
Iimpawu zokuthengisa iimpahla eziphezulu zibonisa ukuba zithembele kwiNkundla yeePortfolio zanamuhla ukwakha iiphothifoliyo ze-ETF eziphantsi kweendleko. Ikwabonelela ngeenkcukacha ngokuchanekileyo kwiingxelo nge-$ 100,000 okanye ngaphezulu, ezixelisa ii-ETF kunye notyalo-mali oluchanekileyo kwiisitokthi ukufumana ukulahlekelwa kweerhafu ezinkulu. Oku kwenza ukuba ube ngumndilili wolawulo lwerhafu.
03 Eyona ndlela ihamba phambili kwi-Brokerage enkulu: i-Schwab Intelligent Portfolios
I-Schwab Intelligent Portfolios ngumkhiqizo we-robo-umcebisi esuka kuCharles Schwab, enye yeenkampani ezinkulu zophuhliso kwi-United States. ISchwab ine $ 3.36 trillion kwiimpahla phantsi kolawulo, nge-$ 23 yezigidi kwiingxelo ze-robo-advising.
Yintoni eyenza i-Schwab Intelligent Portfolios ephawulekayo yiyona nkampani yolawulo, yintlawulo. IShawab ayitshitshi imali okanye icebo lolawulo lweSpowb Intelligent Portfolios, kwaye unokuvula i-akhawunti kunye ne-5,000 ye-balance balance opening.
Njengabanye abacebisi be-robo, uya kuzalisa uphando xa ubhalisa ukhangele iinjongo zakho, ukunyamezela kunye nexesha. Ukusuka apho, uShawab unakekela bonke abanye, ubeka imali yakho kwiipotfoliyo ze-ETF. I-Schwab Intelligent Portfolios isebenzisa ukulahlekelwa kweerhafu nokuvuna ngokuzenzekelayo, phakathi kwezinye izixhobo, ukunika abatyalo-mali ithuba elihle kakhulu.
04 Eyona ndlela ihamba phambili nefuthe lomntu: i-Personal Capital
I-Capital Capital ingaphezu komcebisi we-robo. Xa uqala ngeComment Capital, ufumana ukufikelela kwamahhala kwiplani yolawulo lomntu siqu esizixhobo esilungileyo. Ukuba ubhalisela ukuphathwa kwemali, uzakufumana amava omncedisi we-robo-yoluntu obangela ukuba abatyali-mali abaninzi bathuthuke ngakumbi kunokuhambisa yonke into kwikhompyutha.
Imveliso yokucebisa ine-$ 6 billion kwiimpahla phantsi kolawulo. Ngokuxhomekeke kwisayizi yakho yepotfoliyo kunye ne-Personal Capital, uya kufumana uluhlu lweenkonzo ezahlukeneyo. Ixabiso libiza kakhulu kunezona ezinye i-robo-advisors, njengoko uhlawula umntu. Iiphothifoliyo ukuya kwi $ 1 yezigidi ezihlawulwayo .89 iipesenti ngonyaka. Amaxabiso ahla ukuya kuma-portfoliyo ngaphezu kwe-1 million yezigidi, kodwa akukho konke okuqhelekileyo kubatyalomali abaqhelekileyo.
Nangona ungabhaliswanga kwinkonzo ecebisayo, utyalo-mali lwabantu abazizimeleyo kunye nezixhobo zolawulo lwezezimali zixabiseke kakhulu kwaye zifanele ukujonga.
05 Ilungelelaniso kubaboleki bemiboleko yabafundi: Ubutyebi beSoFi
I-SoFi iyindawo ekujoliswe kuzo kubafundi abancinane abafundele ukulungiswa kwemali-mboleko yomfundi, kodwa inkampani iye yanda ukuba ibandakanye uluhlu lweenkonzo zemali, kubandakanywa nezinye iimali-mboleko kunye nolawulo lotyalo-mali.
Ukuba unemali-mboleko ekhoyo kwiSoFi, awuyi kuhlawula imali yokulawula ubutyebi. Ukuba usebenzise kuphela inkonzo yokutyalomali, awuyi kuhlawula iifowuni ukuya kuma-dollar ayi-$ 10,000, ukubetha ubungakanani befayilifoliyo yokutyalomali-mali ngokukhululekile kwiPropati yePropati, kwaye uhlawule ukukhuphisana .25 pesenti yokulinganisela ngaphezulu kwama-dollar ayi-10,000. Unokuqala i-akhawunti nge $ 100.
Amalungu eFoFi azuza ngaphezu kokulawula utyalo lwekhompyutha, nangona kunjalo. Baphinde bafikelele kubacebisi babantu ukuze bancedise ukulungisa izinto, baqinisekise ukuba bahamba ngendlela efanelekileyo kwaye bafikelela kwiintetho ze-SoFi zamahhala emhlabeni wonke. Uze ufikelele kumqeqeshi wezemisebenzi kunye noqeqesho lwemivuzo. Oku kuninzi kancinci, ukuba kukho na, iirhafu.
06 Eyona nto ibalulekileyo kwi-Investment Accountability Society
Ukuba ufuna ukuziva kakuhle malunga nepottoliyo yakho kwaye ungakhangeli nje ukujonga njengemisebenzi yokwenza imali, qwa lasela iNgxowa-mali. Imirhumo iphakamileyo kunamanye amanqonqqqaso aphezulu, eneemali ezivela kwi-50 ukuya kwi-0.40 yeepesenti kuye kuxhomekeke kubukhulu bephothifoliyo yakho.
Ngama-$ 1.5 billion kwii-asethi phantsi kolawulo, i-Assetsimple ayiyona nto inkulu kwiqela. Nangona kunjalo, ukhetho lwezentlalo loluntu oluxanduva luyimpawu ekhethekileyo yokuma. Unokukhetha ukugxininisa iphothifoliyo yakho kwiinkampani ezihambelana namaxabiso akho, afana neenkampani ezinokukhutshwa kwekhabhoni ephantsi, ezixhasa ukuhluka kobulili okanye ukukhuthaza izindlu ezifikelelekayo.
IiAkhawunti ziza nazo zonke iintsimbi kunye neengcingo ezifana nokulahleka kweerhafu, ukuhlawulela i-dividend, ukuhlaziywa ngokuzenzekelayo kunye nokufikelela kubacebisi babantu.
I $ 5,000 yokuqala ikhululekile, ngelixa ama-akhawunti angama-100,000 ahlawula imali ephezulu. Ngaphezulu kwama-100,000 wamawaka, ufumana isantya esezantsi kunye nempawu ezimbalwa. Lezo zixhobo ze-premium zePropati eziMnyama zibandakanya ukungena kwi-VIP ye-lounge yokungena, okuyiyona nto ihamba phambili yeeflaya ezihamba rhoqo.
07 I-Best Best for Women: Ellevest
U-Ellevest umele umxube omkhulu wotyalo-mali, kodwa kubaluleke kakhulu ekujoliswe kuwo kubasetyhini basetyhini. Uhlawula amaxabiso okuncintisana. Abaxhasi bahlawula .25 iipesenti ze-akhawunti ukuya kuma-50,000. Emva kokuba ufike kwi $ 50,000, unokuhlaziya kwi-premium service kunye nokufikelela kubacwangcisi bemali kunye nabaqeqeshi abaphezulu.
U-Ellevest unesicwangciso esihle sentela kodwa asibandakanyi ukulahlekelwa kweerhafu ukuvunwa. Kodwa inika iiphothifoliyo ezizimeleyo ngezinga eliphezulu. Kuphela kuhlawulela kwi-ETFs ezihlawulayo ukusuka kwi -06 ukuya kwi -16 ekhulwini ngonyaka kwiimirhumo.
Ama-akhawunti onke ubukhulu anenzuzo enkulu: Ukufikelela okungenamkhawulo kwabacebisi ngezezimali ngeposi kunye ne-imeyile. Ithimba leConvest Concierge libandakanya ootitshala bezezimali abaza kunika iingcebiso malunga neentlobo zemali efana nokuhlanganiswa nokulawula i-akhawunti yomhlala-phantsi, ukulungelelanisa iakhawunti yakho ukuhlangabezana neenjongo zakho, kwakunye neengcebiso zokulawula utyalo-mali ngelixa uhlawula ityala.
08 Eyona ndlela ihamba phambili kwiimali eziphantsi: iWiseBanyan
I-WiseBayan ngumeluleki omdala osekuhlaleni kwimbutho elincinci kwaye iyona nto iphawulekayo kwindlela yokungena-ntlawulo. Ewe, inkululeko! I-WiseBanyan kuphela iindleko zeemveliso kunye neenkonzo, kunye nenkonzo yokucebisa i-robo-free is to use.
Ukuze usebenze, iWiseBanyan inikeza iqonga elizenzekelayo. Akunikezi zonke iintlobo zotyalo-mali (umzekelo, izibophelelo ze-muni), kodwa unalo uluhlu lwezotyalo-mali kwaye luquka imali njengenxalenye yepotfolio yakho ukuba ukhetha.
I-WiseBanyan inikezela ngeyona nxalenye encinci yeephothifoliyo kunabanye. Ingxelo yakho yengozi kunye neenjongo zokuguqula ukhetho lokutshala imali, olungenakuguquguquka njengoko unokufumana kwenye indawo. Ngandlela-thile, ufumana oko uhlawulayo.