I-Robo- counselors-iiplani ezityalo-mali ezifuna ukulinganisa iinkonzo zomcebisi wezezimali-zikhulile ekuthandeni kwiminyaka yamuva. Zithandwa ngokukhethekileyo phakathi kootyalo-zimali abaqalayo abafuna omnye umntu ukuba "asebenze" kubo ngaphandle kokuhlawula iindleko eziphakamileyo zomcebisi ngezandla.
Ababini abacebisi abadumileyo kule ntsimi yiNtloko yezoTyebi kunye noTywala, kodwa kunye neminikelo emibini efanayo, kunokuba nzima ukugqiba oko kukulungele.
Namhlanje siza kuthungela kwaye sijonge indlela i-Wealthfront kunye neZilungiso ezithintekayo ngayo, kunye nabanye abanye.
Ukuhlaziywa koLungiso
Ukuphucula ngenye ye-robo-advisors yokuqala, kwaye abaninzi bacinga ukuba inkampani ibe yiyo eyaqalisa imboni. Ngomlando ukubuyela ngo-2008, ukulungiswa kwezinto kukugxilwe ekubekeni utyalo-mali oluphantsi kweendleko zokuthengisa ezihlukeneyo (ETFs) ezifanisa iphrofayili yengozi oyizalisayo xa uvula i-akhawunti entsha.
Unokuqaliswa kungekho ncinane idiphozithi, kwaye i-Betterment inika i-100 pesenti yeedola yakho ngokuzenzekelayo. Awunakho imali emali kwi-akhawunti yakho; yonke into ityala ngokukhawuleza ngokusekelwe kwiprofayili yakho yengozi.
Enye yeempawu abafakeli-mali abaninzi abaye bavuya kakhulu ngeNgcaciso yokulahleka kweerhafu . Ngaphambilini ifunyenwe kuphela njengendlela yokusebenzisa umqondiso kubasomali abacebileyo, ii-algorithms zeZilungiso zizithenga ngokuzenzekelayo kwaye zithengise izimali kwipotifoliyo yakho ukuze zifake ilahleko zerhafu, zinciphise iirhafu zentlawulo yakho ngenxa ye-IRS.
Ngokuhamba kwexesha, ukulahleka kweerhafu ukuvuna kungongeza kwi-savings enkulu. Ukulahlekelwa kwelahleko yokuhlawulwa kweerhafu kunokuhlawulela ukuya kwii-3,000 zamawaka ngonyaka weengeniso eziqhelekileyo kwaye uqhubela phambili xa uhamba.
Iindleko zokuphucula iingu-0.25 zeepesenti kuwo onke ama-akhawunti ukuya kwi-2 yezigidi zemali kunye nokuhlawulwa kweerhafu ngaphandle kwelo.
Ukuhlaziywa kweMpahla
I-Heritagefront nayo yafika kummandla ngo-2008, kodwa i-iteration yayo yangoku ayizange ifike ngo-2011, ukunika ukulungiswa kokuqala kwentloko yesithathu kwi-robo-counseling space.
Nangona kunjalo, i-Wealthfront inikezela ngemveliso enye ekhethekileyo eninika iziphumo zerhafu ezingcono kunokuba ungayifumana ukulahleka kweerhafu yokulungiswa kweerhafu: Ukuchonga ngqo.
Ukutsalathisa ngokukodwa isicwangciso sokulahleka kwerhafu, kodwa endaweni yokutshala imali kuphela kwi-ETFs ebanzi, i-Heritagefront algorithms isetyenziswe ngokuthe ngqo kwiimpahla ze-S & P 500. Ulawulo lobuncwane lubonelela nangakumbi ukulahlekelwa kweerhafu ekuvuneni ukuvunwa kune-ETF yexabiso lokulahleka kweerhafu. Nangona kunjalo, ukulandelelana ngqo ku-akhawunti kuphela nge-balance ye-$ 100,000. Emva kokuba ufikelela kuma-500,000, ungajoyina uMkhiqizo oPhambili we-Index Index.
Ngaphandle koko, i-Heritagefront inikezela ngeenkonzo ezingakumbi okanye ezingaphantsi kweenkonzo zokutyalomali. Emva kokuzalisa iprofayili yengozi , i-Wealthfront's automation algorithms isenza imali kwi-ETF.
Isityebi semali sidinga idiphozi encinci ye-$ 500 ukuvula i-akhawunti entsha kwaye ihlawulise i-0.25 yeepesenti yentlawulo njengeNtlamente. Akukho sikhokhelo kwimali, ngoko ke iiphothifoliyo ezingaphezulu kweedola ezigidi ezingama-2 zihlawula ngakumbi kwiPropati yePropati kunokuba kuNgciliso. Iingxowa-mali ezingekho kwemali akukho mali kwiingxelo ezingaphantsi kwama-$ 10,000.
Ezinye i-Robo-Advisors zokuCamngca
I-Schwab Iipolfoliyo eziPhezulu : Ukuba sele sele ulwalamano noCharles Schwab, unokuba nomdla kwi-Schwab ye-robo-advising product.
Lo ngumnqobile kuba kufike kungekho ntlawulo. Ngokuqinisekileyo, imali oyenayo ngeShowab Intelligent Portfolios iyaqhubeka ihlawula iirhafu-ayikho into eyahlukileyo kunokuba ungayitshala imali ngqo. Iingxelo zifuna ibhalansi yokuvula eyi-5,000.
I-WiseBanyan : I-WiseBanyan inikezela nge-fee-robo-icebiso ngaphandle kwe-akhawunti encinci. Iinkalo eziphambili ezifana nokulahleka kweerhafu, eziza kubandakanywa kwimveliso ethile yokhuphiswano, kufuna imali eyongezelelweyo. Ukuba ungumtyalo-mali omtsha kunye neepotfoliyo encinci kwaye uyahlawulwa ngokupheleleyo, unokufuna ukuqwalasela iWiseBanyan.
Ipropati : Ipropati enye inketho engenakho imfuneko yokulinganisela ibhalansi, kodwa iindleko ze-0.4 zepesenti ukuya kwi-0.5 ekhulwini kwiimali zokulawula, ezenza zibe ziphakamileyo kune-robo-adviser average. Ukulahleka kweentlawulo zentlawulo kufakiwe kunye neNgcaciso yeMnyama kwi-akhawunti engaphezu kwama-100,000.
Isibonelelo sempahla siyaziwa ngokunikela ngokukhetha iiphothifoliyo ezinoxanduva loluntu.
I-Capital Capital : I-Personal Capital inikeza izixhobo zokulawula zezimali ezizimeleyo ezikhulu kunoma yimuphi umtyalo-mali kwaye unikeza ulawulo lotyalo-mali. Utyalo-mali lwabasebenzi lulawulwa ngumbutho we-robo-umcebisi kunye nobudlelwane bomcebisi wabantu. Ukuba awukhululekile ukuhambisa izitshixo ngaphezulu kwikhompyuter, i-Personal Capital yindawo ephakathi. Inkampani ijolise abatyali-mali nge-$ 100,000 okanye ngaphezulu kwiimpahla ezithatha imali, kodwa ixabiso layo aliliso lokukhuphisana. Abaxhasi ukuya kwi $ 1 yezigidi kwiintlawulo zihlawula i-0.89 pesenti.
Ulungelelwano olubhekiselele kwisiTyebi seMpahla: Yiyiphi eyona nto ilungileyo?
Zona ziNgciliso kunye neZiko lokuPhatha zibonelela ngeemveliso eziphezulu, ezithembekileyo ezilawulwa ngamagqabini abatyali-mali abafuna ukufumana imali ephezulu yokubuyisela imali. Ngokusekelwe kwimirhumo kunye nokulahlekelwa kweentlawulo zokulahlekelwa kweerhafu, ngamnye kulunge kwi-subset ethile yabatyalomali.
I-Robo-Umcebisi oPhambili kwi-Brand New Investors: Ukuphucula
Ndiyabulela kungabi ncinane ibhalansi yokuvula, ukusekwa kwe-investment elula, kunye nembali yokukhokelela kwimarike yokucebisa i-robo-advice, Ukulungiswa kweyona nto yindlela ekhethekileyo kubatyalomali abatsha bafuna ukwenza imali kwiimarike ngokungabi nxaxheba kwabakho ngaphandle kwezimali ngeakhawunti yakho kunye neyokuqala iphrofayili yengozi.
Ngenxa yokuba ukulahleka kweerhafu kwakhiwe kuyo, nawuphi na umtyalo-mali kwiZondlo angasebenzisa amathuba anikezelwe ngabatyalimi abacebileyo kunye neqanda elincinci lokuqala.
Isityebi semali sinikela abahlawuli-mali abakhululekile kwiiphothifoliyo ezingaphantsi kwama-$ 10,000, okubenza banike umlenze phezu kweNgcaciso kwi-front; kodwa akukho ncinane ubunzima bokuvula i-Improment winner.
I-Robo-Advisor ehamba phambili kwiiNgxowankulu ngaphezu kwe-500 zamaRandi: I-propertyfront
Ukuba unayo iphothifoliyo ye $ 100,000 okanye ngaphezulu, i-Wealthfront iyona mnikelo onamandla kakhulu. Ngombulelo kwisicwangciso salo soluhlu lwentlawulo, abatyalo-mali bangakwazi ukubeka ingqalelo kwiNgcaciso kwixesha elide.
Iimali ziphantse phakathi kweenkampani ezimbini kwiipotifoliyo ukusuka kwi-$ 10,000 ukuya kwii-2 yezigidi. Ngaphezulu kwezigidi ezingama-2 zezigidi, ukulungiswa kwexabiso kungaphantsi kwakhona, kodwa ukuba unako ukufumana inzuzo ye-0.25 yeepesenti kwi-indexing direct, ungcono nakwi-Heritagefront.
Kuwuphi na utyalo-mali onama-$ 500 angene kwi-akhawunti yakho entsha, i-Wealthfront ikhululekile ukuya kuma-$ 10,000. Awukwazi ukuyikhangela, ngoko ke i-Heritagefront iyona nto inokukhetha ukuba abatshali-mali abaninzi baqale nge-robo-advisors.
Awukwazi ukuhamba ngokungafanelekanga nge-Robo-Advising
Ubungcono kunye nePaulfront bobabini babonakala bengozi xa beqala ukungena kwiimarike phantse kwiminyaka elishumi edlulileyo. Kodwa kwiminyaka ukususela, i-robo-advising isuke kwimizila ephakathi. Abatyalomali abatsha abakwazi ukungahambi kakuhle. Ukuba ulindele ukutyalo-mali kuba ungayazi ukuba yeyiphi i-stocks ekukhethiweyo, i-robo-counselors iphelele kuwe.