I-Robo-advisors ziye zazinceda ukufumana abantu abaninzi ukuba badibanise iinzwane zabo kwiimarike zamasheya ngamashishini aphantsi, amatyala otyalo-mali. Oko ufumana kunye ne- robo-umcebisi kuyipotifoliyo ehlangene neemfuno zakho engqondweni , kodwa nge-algorithm kwisondo. Kuyavunywa, ezo ngqungquthela zakhiwe, kwaye zilawulwa yizo, iingcali zemali. Kodwa kungenelela kwikhompyutheni evumela ukuba ufikelele kwiingcebiso zobuchwepheshe kangangoko.
Kukho okuhle kakhulu kule mzekelo. I-UDecker, umbhali wenxelo entsha, uthi, "Ukunyathela phantsi kweHood: I-Robo Advice, i-Portfolio Risk and Regulation." "Awusayi kuphinda ube ne-$ 5 yezigidi ukuze ufumane ingqalelo kumcebisi-mthengi-unokuba yiminyaka eyi-1 000."
Kodwa unokuthi ube ngumngcipheko wokuhamba emkhombeni. "Ngaloo mabhasikithi amathuluzi okulandelela imarike-nje kuphela xa iimakethi ziqhubeka-zilungile," kutsho iCathot. "Umbuzo ke ngoko: Yintoni eyenzekayo xa unenkcitho yemarike eyaneleyo kwaye le mibhobho igaxa? Ngaba i- robo-conseilors igcina njani abaxhasi babo, okanye bawaphephe ukuba benze ukukhwabanisa ngemali yabo? "
UScott Smith, umlawuli weCerulli Associates, iqumrhu lophando olugxininisa ekuphathweni kwee-asethi kunye nokuhlaziywa kwempahla, ithi akukho kakhulu ukuba i-robo-conseilors are generally wrong, kodwa ukuba iphosakele kuwe.
"Ukuba kukho ukungahambisani nokulindelekileyo, akukhona ukuba i-robo yenza into engalunganga-ukuba umtyalomali akufanele abe ne-robo kwindawo yokuqala."
Nantsi into ekumele uyigcine engqondweni xa uya kwi-robo.
Ziyi-fiduciaries yombala ohlukileyo.
Kukhona ingxoxo eqhubekayo yokuba ngaba i-robo-conseilers inokwenene iyakwenza njengemigudu-oko kukuthi, yintoni imbopheleleko yabo yomthetho ekufuneka iyenze inxaxheba kubaxhasi babo.
Ngokomlando, kukho imimiselo emibini eyahlukileyo yeengcebiso zezezimali:
- Umgangatho ophantsi, ukufaneleka , okuvumela abadayisi (umzekelo) ukuba bathengise ngemveliso yezemali efanelekileyo kuphela kwiimfuno zakho.
- Emva koko kukho isiluleko sobulungisa , esiza nemigangatho ephezulu. Akukuphela nje isiluleko esifanelekileyo, kodwa sinomdla wakho .
IKomishoni yezoThutho kunye noTshintsho luyabona i-robo-advisors njenge-fiduciaries, kodwa iphinde ibanxuse ukuba baveze ngendlela i-algorithms zabo ezicebisa ngayo iiphothifoliyo. Kwaye kugxininisa ukubaluleka kwabo bafumanisa ngokuqinisekileyo abathengi babo ngokusebenzisa imibuzo yabo.
Njengomthengi, "zama ukuqonda ifilosofi yentengiso okanye indlela ephantsi kwendoda," kusho uSylvia Kwan, igosa lotyalo-mali lwase-Ellevest, isicwangciso sokutyalomali se-digital yabasetyhini. "Kwiimeko ezininzi, i-automated ingaba liqhinga elikhulu, kodwa kuba bonke abacebisi be-robo baqhutyelwa nge-algorithm-eyenziwa ngabantu-i-algorithm ibonakalisa inkampani."
Bonke baphatha ingozi ngokuthe kancinci.
Ngaba ufuna ukuthenga imoto kwiminyaka emihlanu ezayo? Indlu elishumi? Okanye ucinga ixesha elide, ngokuthatha umhlalaphantsi kunye nokufundiswa kwabantwana bakho engqondweni?
Ukuchonga iinjongo zakho kunye nexesha lokugqibela, kuba oko ufuna ukukufezekisa ngemali yakho, kwaye nini, kufuneka ufikelele ekunqumeni indlela enokuzimelela okanye enobudlova kwiprojekti yakho yengozi-nendlela ophendula ngayo i-questionnaire yakho ye-robo.
Uninzi lwabalandeli bee-robo baya kuthatha le ngxaki, kwaye bazame ukukunqumla ukuba wenze izigqibo zokwabiwa kwempahla kwiimfuno zakho. Kodwa bonke abayenziyo ngendlela efanayo. "Ukuba uyasindisa kwikholeji yakho yenkomo , siya kukunika iingcomo-sibabiza ngokuba yimingcipheko yokunyamezela-kwaye ungaphambukisa amanqaku ambalwa okanye wehla," kutsho uNick Holeman, iCFP kunye noNgcono (okokuqala njengomcebisi-mcebisi ococekileyo, kodwa sele sele enezela abantu kwiminikelo yayo). "Ukuba sincomoza i-stock 50% kwaye ukhetha u-55%, ngenxa yokuba uyingozi, siya kukuvumela. Ukuba uqala ukuguquka kakhulu, kufana no-80%, siza kutyhubela emva kancinci: 'Hayi kubonakala sengathi uthatha ingozi enkulu.
Ngaba uqinisekile ukuba ufuna ukwenza oku? '"
Awuyiyo ifomati eyodwa-zonke izisombululo.
I-Trout ithi uluhlu oluthile lwamaxabiso anikezelwa ngaba-robo-abacebisi ngokubanzi isisiseko esaneleyo ukuqinisekisa ukuba awugcini onke amaqanda akho kwi-robo-basket. Ufuna ukusasaza iifayili zakho kwiintlobo ezahlukeneyo zotyalo-mali, kungekhona nje amasheya kunye neziqinisekiso ezigcinwe kunye nabacebisi be-robo. "Ulwahlulo olunikezwa ngabacebisi bee-robo alunamandla kakhulu." Nangona i-robo-conseilors inikezela ukuvezwa kwemarike ebanzi, kunye nokuhlaziywa kwemali kunye nokulahleka kweerhafu, usengozini yokulahlekelwa yimali. Kungenxa yoko ufuna ukuhlukana neentlobo zakho zotyalo-mali kuzo zonke iiklasi ze-asethi ezahlukeneyo, oku kuthetha ukuba nokuba nemali yakho ngenkokhelo, i-real estate kunye nempahla.
Basenokuthatha isenzo sokukhawuleza ngexesha leengxubusho ngaphandle kokukuxelela.
Kunyaka ophelileyo, ukulungiswa kweentengiso ezixinyiwe ngexesha lokunyaniseka kweentengiso ze "Brexit" ukukhusela abathengi bayo ekubeni benze izigqibo ezinomdla kunye nemali yabo-i-CEO ye-PDO uJon Stein yaya kwiirekhodi ethi yinto enhle yokwenza. Kwiyona nto ininzi, i-robos zizithuthi zokuzilawula ezikuvumela ukuba ubambe ivili xa ufuna ukuluqhuba ngendlela eyahlukileyo. Ngolu hlobo, ukulungiswa kwezinto kwathatha i-airbags, ikhupha ngokupheleleyo i-investors. "Unxibelelwano luye lwacaca ngakumbi," kusho okhulumela i-Betterment uArielle Sobel. "Sima emva kwayo-abathengi bethu bavuya ngokwenene ngoko kwenzekayo."
Mhlawumbi. Kodwa qwa lasela ukuba ababoneleli abahlukeneyo baya kujongana nale meko ngeendlela ezahlukeneyo. Xa iimarike zihlawulela, abanye abacebisi-abantu okanye i-robo-baya kuthumela iingubo ze-imeyili okanye iifowuni. Abanye abakucingi, becinga ukuba olu hlobo lwanxibelelwano luya kubuya xa abanye abathengi bengenakho ukukhathazeka kwindawo yokuqala. "Isicwangciso esiye sithatha siphumelele ngakumbi kunokusebenza," kuchaza uHleman. "Ukuba ungangena ngexesha le-Brexit, umzekelo, uza kubona isaziso, kodwa ukuba ungangena, awuyi kubona."
Zininzi iindlela ezahlukahlukeneyo ze- robo-abacebisi (kubandakanywa nokuNgciliswa) ukunciphisa ukuhla kwelokuba kuyinto enokuyicabangela, ngokunjalo. Xa imarike iwa, abaninzi abacebisi bee-robo baya kulandelelanisa ngokuzenzekelayo iphothifoliyo yakho kwaye baqeshe ukulahleka kweerhafu. "Ezi zicwangciso zikunceda ukusetyenziswa kwehla ukuhlawulela inzuzo yakho ukulungisa iphothifoliyo yakho ... Kodwa akukho ndlela yokukhusela ilahleko," kutsho uHoleman. Ukuba, ngalezi zihlandlo zengxakini yeemakethe, ufuna ukubandakanya kwaye unikele ngegalelo, ngoko-ke i-robo ingabi yinto efanelekileyo kuwe.
Bangaba nombono ongezantsi wemifanekiso yakho yemali.
Esemngciphekweni wokuchazela ngokucacileyo: Kwenzeka njani ukuba i-robo ikwazi ukuba wena kunye nokunyamezela kwakho kwimibuzo ngokusebenzisa i-questionnaire yakho uza kugqiba indlela umntu oyithandayo ngayo. "Ukuba uhamba kwaye uzalise umbuzo wemibuzo emihlanu, kunokuqinisekiswa okukodwa ukuba i-akhawunti yenziwe ngokwezifiso [ngamnye umntu] ufuna kwaye ifuna," kutsho uSmith. "Kufuneka sihlule ukucwangciswa kwemali kwi-portfolio management. Ulawulo [lwePhothifoliyo] luyinxalenye yokucwangcisa, kodwa luyingxenye enye. "
Yingakho iikhokeli ezininzi zoshishino ziqala ukubonelela ngeenkonzo ezipheleleyo kubathengi babo. Umzekelo we-Robo-umcebisi, umzekelo, wazisa iNdlela, isixhobo sokucwangcisa ngemali esenza ukuba abathengi baqwalasele imibuzo efana nale:
Ngaba ndifuna umntu afune ukulawula imali yam, okanye ngaba ndifuna ukuthetha ngemali yam? Ngaba ndifuna ithuluzi lolawulo lotyalo-mali, okanye ngaba ndifuna ityala lolawulo lotyalo-mali kunye nolwalamano lwezocwangciso?
Ngesizathu esifanayo, ukulungiswa kwezinto kwazisa iingcebiso zabantu kumxube. "Kwakhona sibuye sifumene umxholo onesidima," kusho uSobel. "Kwaye ukuze uthembele kwenkampani obeka imali ngayo ... Uthemba ngokufihla xa uxhulumana nomntu."
Ukuba awuzi ngokwakho, akukho nanjalo i-robo.
Ukusebenzisa oko ufunayo kungenziwa kuphela ngokukwazi ukuba ungubani-mali-mali. Ukuze ulawulwe ngokunyanisekileyo oko umcebisi we-robo ayenayo ngemali yakho, kufuneka uqikelele kwaye uyinyaniso xa kuziwa ekuzaliseni imibuzo. "Xa behamba ngemibuzo yabo, abantu bafuna ukuba bacinge ngokwabo baze baqinisekise ukuba baphendule oko bakuvakalelwa-kungekhona oko bacinga ukuba i-robo okanye iqinile ifuna ukuba bazive."
Ingazwakala i-counterintuitive, kodwa cinga ngokuphendula imibuzo ngemizwelo, kunokuba ulandelelanise. Ngokomzekelo, ukuba imarike iyahla, unokuyiqonda ithuba lokuthenga, kodwa ukuba ingcinga yeemakethe iyahla iya kubetha i-adrenaline (kwaye ingekho ngendlela efanelekileyo), ngoko yinto ofuna ukuyilungisa.