Iiplani zeNtengiso ze-Intanethi zingasebenza ngawe
Kodwa kukho izinto ezibalulekileyo ezifunekayo phambi kokuba ufake i- robo-conseilers kwisicwangciso sakho sokutsala umhlalaphantsi.
Ikota i-robo-abacebisi ibhekisela kwiziqwenga zokutshala ngokuzenzekelayo usebenzisa i-algorithms ukufanisa utyalo-mali ngokusekelwe kwinduduzo yakho kunye nexesha lakho. Ezi ziqonga zithunyelwa ngamagama ahlukahlukeneyo anjengabeluleki bokutshala ngokuzenzekelayo, iiplani zokutshala imali kwi-intanethi, okanye iiplani zeengcebiso zedijithali.
Iiplani zokutshala imali kwi-intanethi, okanye i-robo-advisors, ziyi-investments ezenziwe ngokuzenzekelayo ezazisungulwa ngo-2008 kwaye zazinikezelwa kubathengi ngezinga elibanzi ukususela ngo-2010. Uninzi lwabalandeli bee-robo zisebenzisa i-exchange exchange funds (ETFs) njengoluhlobo lwazo lokutyala. Iiphothifoliyo ngokubanzi ziquka ukudibaniswa kweeklasi ze-asethi ezifana nezitoko kunye nezibophelelo. Ezinye iikhosi ze-asethi ezifana ne-real estate, izibonelelo zendalo kunye nezinto eziphathekayo zisetyenziswe ezininzi zezi nqonga.
Nangona kunjalo aba baphathi bezedijithali baphatha kuphela ipesenteji encinci ye-asethi yezolimo-mali ngokubanzi kwilizwe lethu, bakhula ngokukhawuleza kwaye baya kuqhubeka beyingxenye yengxoxo yokucwangcisa umhlala-phantsi kwiminyaka ezayo. Kuqikelelwa ukuba i-robo-advisors izakulawula malunga ne-$ 2 trillion ngo-2020.
Njengoko kunjalo nawuphi na utyalo-mali olutsha, kukho imvikiswano efunekayo kakhulu malunga nenzuzo kunye neengxaki zokubandakanya lolu hlobo lwesigqeba kwisicwangciso sotyalo-mali olwahlukileyo.
Nazi ezinye zeenzuzo kunye nokungahambi kakuhle kokusebenzisa i-platform yolondolozo lwe-intanethi.
Iinkonzo:
Indlela elula eyenza ukufumaneka lula. Akumangalisi ukuba ukufikelela kokufikelela kwi-Intanethi kuyinkalo ebalulekileyo yeendawo zokutshala imali kwi-intanethi. Abatyalo-mali be-Tech savvy bayakujabulela ukusetha kunye nokuxhasa i-akhawunti ngokukhululeka kunye nokulula kwekhomputha okanye i-smartphone. Ulwazi lwe-Akhawunti lufumaneka ngokulula nge-24/7 ukufikelela kunye nokuhlaziywa komsebenzi kunikwa ngokufunwa. Oku kufumaneka kufinyelele kwixabiso elincinci elifunekayo ukuseta i-akhawunti kunye nabacebisi bee-robo bayaziwa ngokunyusa kwabo ubuncinci baso-mali ukuba baqalise. Abanye abacebisi bee-robo abanalo i-akhawunti mincinci efunekayo, banciphise kakhulu ingeniso yokungena kubanini-mali. Xa kuthelekiswa, abacebisi abaninzi be-investors ababhalisiweyo (i-RIAs) baqhele ukuba neyona mininzi ye-akhawunti engama-100,000 okanye ngaphezulu. Kodwa abaninzi abathengi be-robo bakhetha ukuzenzekelayo inkqubo yokumisela i-akhawunti. Emva kokuphendula uchungechunge lwemibuzo engeniswayo eyenzelwe ukuvavanya ukunyamezela kwakho kunye neenjongo zokutyalomali lwakho, ukunikezelwa kweengxowa-mali eziphakanyisiweyo zinikezelwa kubatyalomali ithuba lokuhlaziya isabelo sokuthatha umngcipheko ongaphezulu.
Utyalo olufanelekileyo. Inkqubo yokwakha iipotifoliyo zokutsalwa kwezolimo-mali iyinzuzo enkulu kubanikeli bee-robo. Inkqubo yokumisa i-akhawunti ihlala ithatha amaminithi kunye nabanini-mali abanolwazi nge-yourself-mind-yourself mindset ngokuqhelekileyo baxabisa ukukhululeka kokuqhuba amashishini. Enyanisweni, abacebisi abaninzi bezezimali bavuma ukusebenzisa iiplani zokutshala imali ngokuzenzekelayo ukuphucula ukusebenza kweenkonzo zabo zokuphatha iipotfoliyo.
Ukwahluka kwangoko. Esinye sezibonelelo ezibalulekileyo zokusebenzisa i-platform yenzalo yokuzenzekela yindlela yokutshala imali kwiipotifoliyo ezahlukahlukeneyo eziqhelekileyo ngokusekelwe kuphando lwangoku. Le ndlela igxininisa ulwabiwo olubanzi kwiiklasi ezinkulu zee-asethi ezifana nezitokisi, iibhondi kunye ne-estate.
Ukufikelela kwiindleko eziphantsi kweendleko. Iiplani zokutshala imali kwi-intanethi ngokubanzi zibonelela ngeendleko eziphantsi ezantsi kwiifom zokuphathwa kwempahla.
Ngaphandle kweendleko ezongeziweyo zeendawo zezitena kunye nomdaka kunye nabasebenzi abambalwa, abasebenzi be-robo-abacebisi baqhuba iinkonzo ezifanayo zokutyalomali ngeendleko eziphantsi. Imirhumo yemyinge ihlala iphakathi kwe-0.2 yeepesenti ukuya kwi-0.5 ekhulwini yeempahla eziphantsi kolawulo. Ukuqhathaniswa nomrhumo we-AUM we-1% ukuya kuma-1.5 ekhulwini ahlawulwe ngabacebisi ngezezimali iimali eziphantsi zingabangela ukugcinwa okukhulu xa kuhlanganiswe ixesha.
Ukuvunwa kwemali yentlawulo. Amanqwanqwa amaninzi otyalo-mali avelisa ukulahleka kwentela kwiingxelo ezihlawulwayo. Le nkqubo yokunciphisa i-capital gain ngokusebenzisa ukuthengiswa kolunye utyalo-mali ukudala ukulahleka. Inkqubo yokuvuna ilahleko iyakwazi ukuphucula ukubuyiswa kwentela emva kwentlawulo. Kodwa ukuvunwa kweerhafu-ukulahlekelwa kweerhafu akusinceda bonke abatyali-mali. Ngokomzekelo, abatyali-mali kwi-akhonksi yeerhafu ye-15 bahlawuliswa kwizinga le-0 yeepesenti zokuzuza.
Ucebisi lotyalo-mali olungafanelekanga. Abacebisi ngezezimali zezezimali baxhomekeke kwiziganeko ezifanayo zokuziphatha ezinokukwazi ukucwangcisa izicwangciso zophuhliso ngabanye abatyali-mali. Ngokwahlukileyo, iiplani zokutshala imali kwi-intanethi zinokukunceda ukuphelisa iifayile ezicebisa ukuba zincome iimveliso zazo okanye zivumele ukukhupha izibhengezo zokuzikhusela.
Umgcini:
Uninzi lwabalandeli bee-robo abanakho ukhokelo lwabantu. Nangona abanye abacebisi abaxhamlileyo banikela umcebisi nge-robo-umcebisi ngequmrhu lomntu, iiplani ezininzi zokutshala imali azinikezeli ukufikelela kwiiNgcali zeCredit Cerner professionals. Cinga ukuba umcebisi-robo unika ukufikelela kumcebisi womntu ngefowuni, i-imeyili, ingxoxo ye-intanethi okanye yevidiyo. Ngolwazi lwezezimali kumanqanaba aphantsi aphantsi kwelizwe lethu, i-robo-conseilors ithatha abaxhasi babo ukuba babe neethagethi ezicacileyo ezicacileyo zobomi bezezimali.
Iingcebiso zotyalo-mali ziyingxenye enye yesicwangciso sezimali. Ukulungiselela umhlala-phantsi ngumgomo wezemali oqhelekileyo kunye nesizathu esibalulekileyo sokuba kutyala abantu kwindawo yokuqala. Nangona kunjalo, ukuba unezinye iinjongo zemali ezifana nokulondolozwa kwemfundo yekholeji yakho, ukuhlawula amatyala okanye ukutshala imali kwi-cottage ebhankini, utyalo-mali lwakho kufuneka luhlelwe ngokwahlukileyo ngokusekelwe kwezo njongo. Kuze kube ngoku akukho naluphi na abacebisi be-robo abanokukwazi ukuvavanya ukuba ngaba kunengqondo ukugcina ingxamisekileyo, ukuhlawula ityala, okanye utyalomali kwiinjongo zesikhathi eside ezifana nokuthatha umhlalaphantsi.
Ukuzenzekelayo akuyikuphelisa ukwenziwa kwezigqibo ezingenangqiqo. Iiplani zokutshala imali ku-intanethi zingancedisa abantu ukuba benze izicwangciso zokutshala imali ngokuzenzekelayo, kodwa njengoko kuchaziwe ngasentla ingqiqo engenziyo ayikwazi ukufaka isikhokelo sokucwangcisa imali ngoku. Iingcali zezemali zenkcubeko zihlala zibonisa ukuba imeko yomntu yenza kube nzima ngathi ukuba sihlale senza izigqibo zemali ezinengqiqo. Nangona i-automation yenkqubo yokutyalomali yenza kube lula ngokusebenzisa iiplani zeengcebiso zedijithali, aba beluleki be-robo abaziqhelanga ukuba unokwenza isigqibo sengqondo kunye notyalo-mali.
Iiplani ezininzi zeengcebiso zedijithali azikho ukuhlolwa kokunyamezela kokunyamezela. Inkqubo yokumisela ukunyamezela umtyalo-mngcipheko isekelwe kwimigaqo yenzululwazi kunye nophando. Kwabaninzi, iindidi zeemibuzo ezibuziweyo zifuna ubuncinci ubunqanaba lolwazi lwezezimali ukudibanisa ngokuchanekileyo imibuzo kwiimeko zangempela-zobomi. Uninzi lwamapulatifomu otyalo-mali asebenzisa i-questionnaire emfutshane kwi-intanethi ukuhlola ukunyamezela kunye neenjongo zobunzima. Nangona kunjalo, kukho iinxalenye ezininzi zomngcipheko ochaphazelekayo kwinkqubo yotyalo-mali kwaye akukho sixhobo sokwenza umngcipheko okhoyo unokuthi ibango eli-100 lichanekile ekuhloleni umngcipheko. Ngaloo ndlela, abaninzi abacwangcisi bezemali kunye nabaqeqeshi-mali bayavuma ukuba kukho ingxoxo enzulu engakumbi ukuze ubambelele ngokupheleleyo ukunyamezela kwakho njengotyalo-mali.
Abenakho irekhodi elide elide. Ngenxa yokuba iiplani zokutshala imali kwi-intanethi ziye zazingqongileyo zingaphantsi kweyhumi, abanye abatyala-mali bathe baqiniseke ngexesha labo elide lokunyuka kweemakethi ngenxa yokuba bengakhange bavavanywe ngexesha elidlulileyo lokuthengiswa kwemakethi. Oko kuthethwa, i-algorithms eyakhelwe kuyo iye yasetyenziselwa ukuvavanya ukusebenza kwepottoliyo ngexesha leemeko ezahlukeneyo zemarike. Kodwa njengokuba i-adage endala iya, ixesha elidlulileyo alisoloko lilungele ukusebenza kwesikhathi esizayo.
Akunabo bonke abacebisi be-robo banikezela umhlala-phantsi ovelisa umvuzo ngenkqubo yokuqhelanisa. Injongo ephambili yokulondoloza umhlalaphantsi kukuba ngokwenene ukwazi ukusebenzisa ezo mali ngexesha lomhlalaphantsi. Nangona i-robo-conseilors ithandwa kakhulu phakathi kweMillennials kunye neGeneration X kukho umdla okhulayo phakathi kweBantwana Boomers ngokunjalo. Nangona kunjalo, njengeBoomers ukungena kwisigaba sokuhambisa kubalulekile ukusebenzisa isicwangciso sokuqhafaza esisisigxina-ntlawulo kwaye sigxininise ekwenzeni ukwandisa ingeniso. Abahlala phantsi kufuneka baqaphele xa bekhetha umcebisi-robo kuba ezinye iifayile zengcebiso zedijithali zinika olu hlobo lenkxaso xa abanye bengenalo.