Funda indlela abaSebenzi beRobbo basebenze ngayo kunye nendlela yokufumana eyona nto ibhetele kuwe
I-Robo-Advisors yinto esandul 'intsha kwihlabathi lokutshala imali kwaye baye bafumana ukuthandwa kwiminyaka yamuva. Kodwa ngaba i- robo-advisors isisombululo esihle sokutshala imali kuwe kunye neenjongo zakho zemali?
Ukufumanisa ukuba ngaba i-robo-advisors zihlakaniphile izixhobo zokutyalombela wena kunye nepotfolio yakho, siya kujonga indlela esebenza ngayo, njani abanokuzuza ngayo abatyala-mali, iirhafu abazihlawulayo, kwaye siza kujonga kwi-robo ephezulu abacebisi ngeemarike namhlanje.
Yintoni uMcebisi weRobo kunye Nento abayenzayo?
I-robo-conseiller is, njengokuba igama libonisa, uhlobo lwenkonzo yokulawula utyalo-mali oluzenzekelayo oluncinci ekusebenzisaneni kwabantu ngaphandle kokuba umthengi enze udibaniso lokuqala.
Ngamanye amaxesha kuthiwa ngeengcebiso zezimali zedijithali, ii-robo-advisors zenziwa ngeprogram esebenzisa imithetho yeemathematika okanye i-algorithms ukubala ulwabiwo lweefa kunye nokukhethwa kotyalo-mali kumthengi.
Ukufika kwixabiso elifanelekileyo le-asethi kunye neencomo ezithile zokutyalomali, umxhasi uza kuqalisa i- questionnaire yokunyamezela umngcipheko okanye ifom efanayo efuna ukuba umthengi aphendule imibuzo malunga neenjongo zabo zemali kunye nokunyamezela ingozi.
Uhlobo lotyalo-mali oluvame ukusetyenziswa ngeenkonzo ze-robo-advisory yi-Exchange-Trade Funds, ezaziwa ngokuba yi-ETF kummandla wotyalo-mali, nangona ezinye iintlobo zokukhuselwa kotyalo-mali, ezinjengamasheya, iibhondi, iimali eziphathekayo, ikusasa kunye nokuthengwa kwezindlu zingasetyenziswa.
Emva kokuba utyalo-mali lokuqala lukhethwe kwaye lwabiwe, isofthiwe ye-robo-adviser iza kwenza utshintsho lwangaphantsi kwexesha, olufana nenkqubo yokubalisa ngokuphindaphindiweyo abacebisi kunye nabatyalomali abakwenzayo ngesandla.
Ziziphi iingenelo ze-Robo-Advisors?
Iingeniso zee-robo-cebisi zingagqithiselwa ngelizwi elinye - ukuzenzekelayo.
Xa kunokwenzeka, ukuzenzekelayo ngemali ngokukhawuleza kuhlale kuhamba ukuhamba kwemali. Imizekelo yokuzenzekelayo kwiimali zomntu siqu ibandakanya iipompozithi ezizenzekelayo kwi-payroll, izicwangciso zokutyalomali, kunye nokuhlaziywa ngokuzenzekelayo (eziqhelekileyo kwiakhawunti yomhlalaphantsi, njenge-401 (k) s).
Umlinganiselo wendlela yokuzenzekelayo we-robo-advisors nayo inzuzo ngendlela yokuziphatha. Ngokuqhelekileyo intshaba enkulu yomeli-mali-ngokwenza iimpazamo ngokuxosha emva kokubuyisa nokuthengisa ngexesha elingafanelekanga. Xa zonke izinto zizenzekelayo, kubandakanywa ukwabiwa kweefa kunye nokukhethwa kotyalo-mali olunikezwa ngabanikeli bee-robo, isalathisi sabantu sisuswe kwaye ngoko ke ukubuyiswa kwexesha elide kunokuphuculwa ngokulula nje ukuvakalelwa kwemali kwimali, esoloko isicinga esihle.
Ziziphi ii-Top Robo-Advisors?
I-Robo-conseilors baye bajikeleza ukususela ngo-2008, okungekho endala kwihlabathi lokutshala imali, kodwa sele sele inamakhulu enkonzo. Nangona ukuhlukahluka kohlu lwe-robo-umcebisi kuyafana, kukho ukungafani okufihlakeleyo, kubandakanywa nemirhumo.
Nazi ezinye zeenkonzo eziphezulu ze-robo-adviser ezitholakalayo kwimarike namhlanje, kubandakanywa neziseko ezisetyenziswayo kunye nemirhumo yazo:
- I-Vanguard IiNkonzo zabaNcedisi boBomi: I-Vanguard ye-robo-umcebisi-mcebisi isona sikhulu ngokubhekiselele kwi-asethi yempahla-mali, ebonisa ukuba imodeli inokuba yinto ekhangayo kakhulu kuluntu-mali. Nangona ubuninzi benkonzo buzenzekelayo njengoko abaqalayo bee-robo-abacebisi baqalisa iminyaka elishumi edlulileyo, iVanguard yongeza isalathisi somntu ngokufaka umcebisi womntu womxube. Ubhalansi obuncinci be-$ 50,000 kunye nemali eyongezelelweyo ye-0.30 yeepesenti, abatyali-mali bafumana i-automation ye-robo-conseilors kunye nomcebisi womntu ukudibanisa nemibuzo ngasentla naphaya kwamandla omntu "ongumcebisi".
- I-Schwab Iiphothifoliyo eziPhezulu: Mhlawumbi inkonzo eyaziwayo kakhulu ye-robo-adviser, inkonzo ye-Intelligent Intelligent Portfolios isebenza kwiinkalo ezintathu eziphambili: Iyokuqala iqaliswa ngumqeshi womxhasi ekugqityiwe kwimibuzo yolu vavanyo ehlola ukunyamezela komngcipheko kunye nexesha lokutshala imali. Okwesibini ukwakhiwa kwe-portfolio ye-ETFs ngo-Schwab. Icandelo lesithathu libeka iliso kwansuku zonke kunye nokuhlaziywa kwemali xa kufuneka. Kukho imali engama-5,000 eyokuqala yokutshala imali kunye neerhafu ze-$ 0. Nangona kunjalo ii-ETF zinamaxabiso angaphantsi kwamaxabiso . Ngoko ke indleko kumtyalo-mali iyancipha kwiindleko ze-ETF.
- Ulungelelwano: Ukuba sesithathu kwiimpahla phantsi kolawulo lomsebenzi we-robo-consevisor ngumdlalo omangalisayo weenkampani ngaphandle kokuqaphela igama leVanguard okanye iSwawa. Uvulindlela kwimboni ye-robo-adviser, i-Betterment inikezela inkonzo enokuthi ithathelwe ingxube yeVanguard neSchwab. Iindleko zokuphucula iingu- Ukuba abatyali-mali bathetha ukungena kumcebisi womntu ngokungezelelwe kwinkonzo ezenzekelayo, abatyali-mali banokukwenza oko kunye ne-Betterment Plus kunye ne-Betterment Premium. Iintlawulo zeenkonzo ezininzi ze-0.40 ipesenti ngonyaka kwaye abatyali-mali bafumana ii-imeyile ezingenamkhawulo kunye nefowuni eyodwa ngamnye ngonyaka. Ku-0.50 ekhulwini, abatyali-mali bangafumana inkonzo ye-Premium kuma-imeyili angenamkhawulo kunye neefowuni ezingenamkhawulo ngonyaka.
Ngaba Ufuna Ngempela Umcebisi We-Robo?
Mhlawumbi inzuzo enkulu kunazo zonke kwi-intanethi, inkonzo yokutshala imali eyenziwa ngokuzenzekelayo ukuba abatyali bafumane i-robo-conseverors kukuba ukususwa kwequmrhu lomntu kususa amandla okuthatha izigqibo eziphazamisayo kweso sikhokhelo abo bootyali kunye nabacebisi abanokuyenza xa benqotshwa yimvakalelo enobungozi njengokwesaba nokuhaha.
Uninzi lophando kunye neenkalo-manani lubonisa ukuba ukubuyiswa kwemali yeephothifoliyo zonyaka ziyancitshiswa ngetyala lomntu olubi, njengokuthengisa ngentlanzi okanye ukuthenga ukuxoshelwa ukubuyiswa okuphezulu. Akuqwalaselanga ezinye iimpazamo zokutyalomali eziqhelekileyo , ezifana nokubamba imali eninzi engeniso-mali kwi-akhawunti ehlawulwayo okanye ukuhlawula iindleko eziphakamileyo.
Ngoko, umbuzo othi ngaba abatyali-mali okanye abatshali-mali bafuna i-robo-advisers eyodwa. Akufani kakhulu kunokuba ubuze ukuba unokwenza okanye uqeshe umcebisi womntu . Ukuba unako ukuhambelana nemithetho elula yokwabiwa kweempahla, ukusetyenziswa kwemali yenkcazo, i-automate imali apho kunokwenzeka khona, sebenzisa i-inshurensi yesikhashana kuphela, gcina inkokhelo phantsi kolawulo, kwaye awuyi kuwela i-$ 2 yezigidi kwi-asethi naliphi na ixesha kungekudala, unako ngokuqinisekileyo ukulawula zakho iimali.
Umdala omdala, "Umntu oyedwa onokumthembayo nguwe," ubulumko. Nangona kunjalo, ukukhetha umcebisi kuyinto onokuyenza kuphela. Ngoko ke, ukuba uthembela wena, unokukhetha umcebisi ngokwakho, nokuba ngaba umcebisi wena okanye omnye umntu.
Abatyalomali abanako ukufumana iimali eziphantsi kweendleko, ukwabiwa kweempahla kunye nokuphepha iimpazamo ezenziwe ngumzwelo womntu kunokukwenza kakuhle ukutshala imali ngokwabo ngaphandle kokuncediswa ngumcebisi - umntu okanye cha.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.