Unokuphinda Uphendule Ezinye zeenkonzo Zakho ... Kodwa Ngeke Kube lula.
I-Robo-advisors yindlela enhle kulabo abangenalo ulwazi lotyalo-mali lokwakha iphothifoliyo ekhawulezileyo elungiselelwe izidingo zabo ezizodwa. Kodwa i-robo-advisers are free, kunye neentlawulo ngokubanzi ziqala malunga neepesenti ezingama-0.25 zexabiso lakho lephothifoliyo ngonyaka. Ngaloo nto engqondweni, unokuba uzibuza ukuba unokwenza oko umcebisi wakho we-robo wakho, ngelixa uhlawula imali encinci kwiimirhumo.
Impendulo kukuba unokwenza okuninzi koko umeluleki we-robo ngokwakho, kodwa awukwazi ukwenza konke umcebisi we-robo.
Makhe sijonge oko ungakwenza ukulinganisa umcebisi we-robo ngokwakho, kwaye xa usenza isigqibo sokuba kunikezelekile ukunika iiphothifoliyo yakho ikhompyutha ukuba ityala.
Indlela onokuyixelisa ngayo uMcebisi weRobo
Ngomxholo ongundoqo, umcebisi we-robo yinkqubo yekhompyutheni ekhetha imali edibeneyo yeendleko ezixhomekeke kuyo ngokusekelwe kukunyamezela, ubunzima, kunye neenjongo zokutshala imali. Ukuba unokuqonda okuyisiseko malunga neengxowa-mali zobudlelwane kunye nomngcipheko wokutshala imali, unokukwazi ukuthenga imali ngokuzikhethela ngokwakho ngaphandle kokuhlawula umntu, okanye ikhompyuter, ukwenzela yona.
Uninzi lwabalandeli bee-robo zithenga amasheya eemali eziphantsi kunye nentlawulo ye-ETF kwiintsapho ezithile zeengxowa-mali. Iintsapho ezixhamlayo zeengxowa-mali ze-robo-advisors ziquka iVanguard, i-iShares (i-Blackrock), i-State Street (i-SPDR), i-Fidelity, nabanye. I-robo-advisors ayinakho ukufikelela kuyo nayiphi na imali ekhethekileyo awunayo. Ngokubanzi, ukuba umcebisi we-robo angayithenga, kunjalo nawe.
Uninzi lwabalandeli bee-robo zijolise ekuncediseni ukugcina kunye nokutshala imali yomhlalaphantsi.
Unako ukusetha kwakhona ukutshintshwa kweemali ezizenzekelayo ngokuzenzekelayo kunye nokusetha utyalo-mali ngokuzenzekelayo zonke iintsuku zokuhlawula kwimali oyi- intanethi .
Inxalenye ebaluleke kakhulu kukuba ukhetha ixabiso eliphantsi lokuhlawula imali kunye ne-ETF kwiinjongo zakho kwaye uyayigatya ukunyanzeliswa kwemakethe. Ukuba utyalomali ngokutsha ngokude ixesha elide, iimarike ziye zenyuka.
Ingaba imali yakho ibanjwe ngumcebisi we-robo okanye kwenye i-akhawunti ye-investment okanye yomhlala-phantsi, iziphumo mazifanele zifane.
Into ongenakuyenza
Ngelixa unokwakha kalula iphothifoliyo ekhangelelene ngokufana noko ufumanayo kunye nomcebisi we-robo, izixhobo zokucebisa ii-robo zenza okungaphezulu nje kokukhetha imali kunye ne-ETFs. Ngokukodwa, ezi zixhobo ezintathu ze-robo-umcebisi zinzima ukuzilinganisa njengomtyalomali oyedwa olawula iphothifoliyo yakho:
- Ukulahleka kweerhafu ukuvuna
- Ukulinganisa ngokuzenzekelayo
- Ukulungisa ukugcinwa kwakho kwexesha
Unokufikelela kwelinye izinga lokuthelekiswa kwezi zixhobo ngokwakho, kodwa kungenokuba lula okanye kulungele ixesha elibandakanyekayo. Nantsi ukuphazamiseka koko i-robo-conseilers yenza kunye nendlela onokuzama ukuyilandela ngayo.
Ukuvunwa kweRhafu yokuRhafu
Ukulahleka kwemali yentlawulo yindlela yokuthengisa imali ngokulahlekelwa xa behla, nokukhawuleza ixabiso elifanayo ngokukhawuleza. Oku kufaka ilahleko yerhafu kwipotfoliyo yakho, ongayisebenzisa ukukhupha imali eyinzuzo ekuzuzeni imali. Ngokomzekelo, ukuba ubambe isabelo se-Vanguard S & P 500 yengxowa-mali kunye namava okulahlekelwa i-$ 1,000, unokuthengisa i-Vanguard S & P 500 isikhwama kwaye uthenge i-index index (mhlawumbi iNgxowa-mali ye-Schwab S & P 500 okanye i-Vanguard fund) ) kunye nemali.
Unamathela ngokufanayo kwixabiso elifanayo ekugqibeleni, kodwa ngenxa yokuba uthengise utyalo-mali kwilahleko , unako ukurhola loo mali eyi-1 000 yokulahlekelwa kwerhafu.
Unokwenza oku ngesandla ngokwakho, kodwa ukwenza ngokufanelekileyo nangempumelelo ngempumelelo umsebenzi wesikhathi esigcwele. I-Robo-conseilors bahlaziya rhoqo iimarike ngamathuba okubamba ilahleko kwipotfoliyo yakho, kwaye awukwazi ukufumana iziphumo ezifanayo ngokwakho. Ngokomzekelo, i-Betterment-enye yezona zibhengezo ezinkulu kunye nezithandwa kakhulu kwi-robo-adsors ukuba abathengi banokulindela i-0.77 yeepesenti ezingcono emva kokubuyisela irhafu kwiimali zabo zokutyala kunye neMveliso yokuThengisa iRhafu yokuThumela iRhafu.
Ukubuyisana ngokuzenzekelayo
Xa udala iphothifoliyo yakho, kufuneka usebenze ekujoliswe kuzo . Ngokomzekelo, unokufuna iphothifoliyo enobudlova eyenziwe ngamasheya angama-90 kunye nama-bond e-10 ekhulwini.
Kodwa ekuhambeni kwexesha, izitokisi zakho zizakukhula ngokukhawuleza kunezibophelelo zakho, kwaye ekugqibeleni unokufumana iphothifoliyo yakho ngamaphesenti angama-95 kunye nama-bond e-5 ekhulwini, okanye enye into engaphandle kwesabelo sakho.
Ukuba nguwe kuphela umqhubi we-akhawunti yakho, ngexesha elizayo ungase ufune ukuthengisa iimpahla zesitokethi kunye nokuthenga i-asethi yebhanki ukubuyisela iiphothifoliyo yakho kwisilungelelwaniso sakho . Njengomtyalo-mali womntu, uza kufuneka wenze ezo zigqibo ngokwakho, kwaye uzakufuna into efana nesikhumbuzo sekhalenda ukuze ungakhohlwa ukuba usebenze kwinkqubo yokubuyisela ukubuyiswa kwencwadi.
I-Robo-advisors ingenza oku kuwe xa ulala. Awudingi izikhumbuzo. Awudingi ukukhetha i-asethi ukuthenga nokuthengisa. Nangona unako ukwenza oku ngokwakho, abacebisi be-robo bavame ukwenza umsebenzi olungcono. Emva koko, bacinga ngemali yakho iiyure ezingama-24 ngosuku, mhlawumbi unokuba nezinye izinto engqondweni yakho.
Ukulungiswa kweeMpahla zakho ngexesha
Ekugqibeleni kodwa, ubuncwane be-robo-abacebisi bancono ngakumbi kunabantu ekutshintshiseni impahla yakho kwiipolifoliyo engapheliyo. Ngokuqinisekileyo, ungathengisa iipesenti zepesenti-zibhanki zeempahla kwaye uthenge izibophelelo ezingaphezulu, kodwa ukwenza le mihlaba encinci inokuba nzima kwaye ilula ukulibala.
Unokuziphindaphinda ngokwakho ngemali yesikhwama somhla wesikhwama , kodwa i-robo-conseilers inokuyinyamekela xa uphumayo eholide, uxakekile emsebenzini, okanye wenza nantoni na enye kodwa uchitha ixesha usebenzisa i-portfolio yakho. Ngaphezulu, iifom-date-targeted funds zivame ukuhlawula iifizi ezifaniswa noko sele sele uhlawula umcebisi we-robo.
Enye yemingeni emikhulu ekulawuleni oku ngokwakho kukuzimela. Unokulungelelanisa i-portfolio yakho ekujoliswe kuyo, kodwa ngaba uya kukwenza? Uninzi lwabatyalomali bakuthola kulula ukukhupha olu hlobo lenkcazo yenkcazelo kubaqeqeshi-mali, okuba ngumcebisi wezezimali okanye umcebisi we-robo. Ngomcebisi we-robo, uyazi ukuba ufumana inkonzo ehamba phambili yezoshishino kwiqhekeza leendleko zokucebisa abantu, kwaye unento encinci kakhulu yokukhathazeka malunga nokuphathwa kwansuku zonke lwentyalo-mali yakho.
Isiqinisekiso: ii-Robo-Advisors Ziyakuxabisa Iindleko (Ngokuqhelekileyo)
Kwabafundi abafunde kakuhle, abanamava, abacebisi-banjenge-robo-abacebisi banokwenza ngokugqithisa kweso kwinto esithatha ngayo iiyure zabantu ukuba senze. Unako ukuphinda uphinde uphinde usebenzise ezinye zexabiso lakho ngokusetyenziswa kweengxowa-mali ezikujoliswe kuyo kunye nokuphathwa kwakho kweepotfoliyo, kodwa kungenakukufaneleka ixesha lokungena kulo. Kwaye ukuba wenza utyalo-mali-oko kukuthi, awuyi kutyalomali kwi-Akhawunti yoMhlala-phantsi yomntu ngamnye-emva koko ukuvunwa kweerhafu-ntlawulo ezinikezwa ngabaninzi bee-robo-abacebisi kuyafaneleka.