Iinkonzo zoTyalo-mali ezenzekelayo zingenza ukuphathwa kwePortfolio
Uhlobo olutsha lwesofthiwe ye- intanethi luye lwavela lunokukunceda ukulawula utyalo-mali . Ezi mveliso zesoftware zibizwa ngokuba " ngabacebisi be-robo ."
Umcebisi we-robo unokuba isisombululo esihle kumntu ongafuni ukuqesha umcebisi wezezimali , akanalo iimpahla ezifanelekileyo ukuqesha umcebisi wezezimali okanti, okanye umntu oye waba ngumtyalo-mali-mali, kodwa akukho ahlale efuna ukhethe utyalo-mali, ukungalingani kunye nokuthengiswa kweendawo kwiakhawunti zabo.
Abacebisi beRobo bangakhetha ngokuzenzekelayo utyalo-mali kwaye bakhe iphothifoliyo eyahlukeneyo. Xa imali yakho isetyenziswe, ngokuqhubekayo, isofthiwe ngokuzenzekelayo yenza utshintsho kutyalo-mali ukulungelelanisa iipotifoliyo yakho kwi-target target. Abanye abacebisi bee-robo bazenzele ngokuzenzekelayo amashishini angakunceda ukunciphisa umrhumo wakho werhafu; inkqubo ebizwa ngokuba yi-tax loss loss loss.
Ukuba u-investor-do-yourself-yourself, abacebisi bee-robo eziphantsi kweendleko ze-intanethi banokukunceda ukwakha iphothifoliyo engcono. Nantsi indlela asebenza ngayo.
Ziziphi iimali ezichaphazelekayo?
Ngomcebisi we-robo uhlawula umrhumo wenkonzo kwaye uhlawula iindleko zotyalo-mali ezisetyenzisiweyo.
Umcebisi ngamnye we-robo unomrhumo wenkonzo efanelekileyo onokumiselwa njengomrhumo wenyanga wenyanga okanye njengepesenti yempahla. Ngabeluleki bama-robo abahlawula umrhumo wenyanga rhoqo, umrhumo ngokuqhelekileyo uqala ukusuka kwi-$ 15 ngenyanga ukuya kwi-$ 200 ngenyanga ngokuxhomekeke kubukhulu beepotfoliyo.
Ngepesenti yesakhiwo sexabiso, uza kubona iirhafu malunga no -15% ukuya kwi-50% yesayizi ye-akhawunti yakho ngonyaka. Ukuba unayo imali eyi-100,000 i-.50% yentlawulo yayiza ku-$ 500 ngonyaka.
Uhlawula nayiphi na iindleko ezihambelana nokutyalomali ezisetyenziswe ngabacebisi be-robo. Ngokomzekelo, iimali kunye kunye neengxowa-mali zokuthengiselana zinemilinganiselo yeendleko.
Olu hlobo lwenkokhelo lukhutshwa kwii-asethi ze-mali ngaphambi kokuba nayiphi na imbuyekezo ibelwe abatyali-mali.
Uninzi lwezicwangciso zeepotfoliyo ze-intanethi zinikezela ixesha lokuvavanya lokukhululeka ukuze ubone ukuba lusebenza njani ngaphambi kokuba uhlawulwe.
Ziziphi iinzuzo?
Enye yezona zinzuzo ezinkulu zokusebenzisa umcebisi we-robo kukugwema iimpazamo zokutshala imali. Kuye kwabhalwa ngokuphindaphindiweyo ngenxa yokuba esinye sezizathu eziphambili ze-investors zifumana iziphumo ezimbi ngenxa yokuziphatha kwabo. Abatyalomali benza izigqibo zengqondo kwiimarike eziphezulu kunye neentengiso zemarike kwaye zisekelwe kwiimvakalelo zesisu. Isoftware ayenzi ezi ntlobo zamaphutha.
Enye inzuzo inciphisa uxinzelelo. Emva kokuba uvula i-akhawunti yakho isofthiwe yomcebisi we-robo yenza inkqubo yonke. Awusayi kuba nexhala xa ufuna ukwenza utshintsho kwipotfoliyo yakho, okanye uzibuze ukuba kufuneka utyalomke ngakumbi kwezobugcisa okanye ngaphantsi kwezezimali. Awunayo ukungena ngemvume kwaye ubeke amashishini. Awunakukhathazeka ukuba umthengisi okanye omnye umntu othengisayo wezezimali wenza isincomo esingengomdla wakho.
Abani Abacebisi Bemibopheleleko?
Abacebisi beRobo bangaba nesisombululo esikhulu kubaqhwebi bokuqala, abaqeqeshi abancinci abafuna ukubeka iipotfoliyo zabo "ngokuzenzekelayo", kunye nabatyalo-mali abanesimo esilula.
Abatyalomali abanesithuba sokhetho, kufuneka baququzelele iiphakheji zenzuzo yenkampani kunye no-401 (k) kunye namanye ama-akhawunti, okanye abadinga indlela eyenziwe ngokweziphumo zerhafu yokutyalo-mali bangafumana ukuba isisombululo esisisigxina asiyonto.
Ziziphi Iingxowa-mali ezisetyenzisiweyo?
Abaninzi abacebisi be-robo basebenzisane ngemali, okanye imali yokuthengiselana ngayo yokwakha iphothifoliyo-engekho iisitokethi. Abacebisi bakaRob ngokuqhelekileyo balandela ingxowa-mali yenkcazo okanye indlela yokutyalomali yokutyalwa kweengxowa-mali ngokusekelwe kuphando lwee-portfolio. Olu phando luthi into ebalulekileyo kukuba ulwabiwo lwakho kwiibhonki okanye iibhondi. Emva koko ugxininisa kwiziphi iiklasi ze-asethi ezisisiseko, njenge-cap enkulu, i-cap encinane, okanye ngamazwe ngamazwe. Emva koko ugxininisa kwiziphi iiklasi ze-asethi ezinxulumene nazo, ezinjengefutshane, eliphakathi okanye elide. Ngomcebisi we-robo, isofthiwe yenza konke oku kuwe!
Iimali zisebenza njani kwi-akhawunti yeRbobo?
Ukuba unayo i-IRA, i-Roth IRA okanye olunye uhlobo lwe-akhawunti yomhlala-phantsi ehlawulwa irhafu, akukho miphumo yerhafu echaphazelekayo malunga neenkqubo ezizenzekelayo. Ngale ntlobo zee-akhawunti, awuhlawuli irhafu kuze kube yimini oyithatha ukuhoxiswa. Ukuqhawula okanye ukudlulisela i-akhawunti yakho kwiindawo ezikhoyo ukuya kumcebisi we-robo ayibali njengokurhoxiswa.
Ukuba unotyalo-mali olungenayo ngaphakathi kwe-akhawunti yomhlala-phantsi ke ufumana i-109 ngamnye ngonyaka ubika iingqalelo, inzuzo kunye neenzuzo ezinkulu. Unika ingxelo kwiirejista zakho zerhafu kwaye uhlawule irhafu kule zintlobo zengeniso-mali.
Ii-akhawunti zeRbo ngokuqhelekileyo kufuneka zixhaswe ngezimali. Ukuba bayakuvumela ukuba udlulisele kwiimali-mali ezikhoyo, ezo zityalo ziyakuthengiswa ngaphandle kokuba zitsalwa imali esetyenzisiweyo kwi-portfolio ye-robo. Ukuba ezo mali-mali azikho ngaphakathi kwe-akhawunti yomhlala-phantsi xa kuthengiswa nayiphi na imali eyinzuzo okanye ilahleko ziya kuzaliseka. Ukuba kwakuyinzuzo, oku kunokubangela ukuba kubekho umrhumo omkhulu werhafu ngexesha lonyaka oya kutshintshela kumcebisi we-robo.
Yintoni Endifanele Ndiyazi?
Umcebisi we-robo akayiyo umcwangcisi wezemali. Abanye abacebisi bee-robo banezinto ezongezelelweyo zeekhompyutha ezinokukunceda ukuba uphononise indlela iakhawunti zakho eziza kukhula ngayo, kodwa awufumani iingcebiso zokucwangcisa ngokwezifiso malunga nokuba ungasindisa njani, nokuba ungasebenzisa i-Roth IRA okanye i-IRA yeNdabuko, indlela yokwabela utyalo-mali kwezinye i-akhawunti. 401 (k), njl
Abanye abeluleki be-robo banikela ngoncedo olubukhoma (oku kudla ngokuncinci ngakumbi), ngelixa abanye badibanisa nawe phantse kuphela kwiwebhu. Ukuba uthanda ukubamba ngesandla kunye nelizwi eliqhelekileyo ukuthetha naye, umcebisi we-robo mhlawumbi akunjalo kuwe.
Ukongezelela, xa usondele kufuphi nomhlalaphantsi, imodeli yokwabiwa esetyenziswe kwizixhobo zeengcebiso ze-robo akunakunceda ukulungelelanisa utyalo-mali lwakho kwisigaba sokuhoxiswa. Ngelo xesha, unokufuna ukufumana iinkonzo zomcebisi wezezimali zomhlalaphantsi.
Ndifumanaphi uMcebisi weRobo?
Ngezantsi uluhlu lwabacebisi abaqingqiweyo be-robo. Abanye banikela ngoncedo lwabantu kunabanye.
- Asset Builder
- Ulunge
- Yomntu
- AbakwaMarkRiders
- IRA ukungalingani
- ISwawaS Intelligent Portfolios
- SigFig
- WealthFront
Uluhlu olubanzi olubanzi, kunye nokuhlaziywa kwesevisi nganye sibone inkcazo ye-Investor Junkie Ukuphakama kwe-Robo-Advisor - Ngaba kufuneka usebenzise enye?