- Ulwabiwo lwee-asethi zesitokisi sakho, isibophelelo kunye nolunye utyalo-mali, ngokuhambelana nenqanaba lakho lomngcipheko
- Ukutshintshaniswa ngokuzenzekelayo
- Ukuvunwa kwemali yentlawulo yokulahlekelwa kweeakhawunti ezihlawulwayo
- Izixhobo zotyalo-mali zophuhliso kuquka ukuhlala phantsi kunye nokucwangciswa kwemfundo
I-Robo-advisors , kubandakanywa iMpahla yokuThuthukiswa kweNtlalo kunye noTywala, injongo yokuthatha abacebisi ngezezimali zemveli.
Ngoko bahlala njani?
Apho i-Robo-Advisors ikhanya
Kukho indawo apho i-robot (okanye, ngokuchanekileyo, ipolatifti yokuphathwa kwemali exhaswa ngu-algorithm eyinkqinkqileyo) ngumphathi wezemali engcono kunokuba ngu-DIYer okanye umcebisi wezemali.
Imirhumo kunye neNcinane
Abacebisi abaninzi bezezimali bahlawula phezulu kwepesenti enye ye-AUM (i-asethi phantsi kolawulo) ukujongana nepotfolio yakho. Ngokwahlukileyo, iintlawulo zee-robo-abacebisi zivela kwi-zero, kwi-WiseBanyan kunye ne-Schwab Intelligent Portfolios ukuya kwi-0.89 kwi-Personal Capital. Ngaphezulu, abacebisi abaninzi baya kufuna ukuba abathengi babe ne-balance minimal balance account; Ngokwahlukileyo, i-Wealthfront izakuvumela emnyango kunye ne-$ 500 kuphela kunye neNgciliso ayinaso ubuncinci bokuvula i-akhawunti.
Ukubuyisana
Uphando lubonisa ukuba ukuhlaziywa kweefomatileli yakho yokutshala imali kwakhona kwi-asethi yayo eyabelwe ngokuphindaphindiweyo iphucula iindleko kwaye iyanciphisa intshutshiso. Ukubuyisana ngokucwangcisekileyo isicwangciso sokugcina ipesenti yakho ityalwe kwiimpahla, i-bond kunye nezinye iimali rhoqo kwaye zihambelana nezikhetho zakho.
Unokwenza oku ngokwakho, okanye ukuba umcebisi wakho wotyalo-mali enze lo msebenzi, kodwa umcebisi-robo wenza umsebenzi omkhulu wokuzenzekelayo lo msebenzi otyumayo wotyalo-mali.
Imakethi yeMatshi yokubuyiselwa kweekhonkco zabo
Nangona ukubuyiswa kweemalike ezihambelana nemakethi akuzwanga kuluhlaza, imali edibeneyo yokusebenzisana nayo ayiphumelelanga ukuhlangabezana nala ma metriki.
I-Vanguard kunye nezifundo ezingenakubalwa ziye zafanisa ukubuyiselwa kwabaphathi bezimali zeemali kunye neengxelo zeemarike. Bafumene ukuba abaphathi abaninzi beengxowa-mali abakwazi ukubetha iimarike zeemarike, kwaye ukuba abo abalawula ukuphelisa umnyaka omnye baqhelanga ukuba baqhube phambili ukuhlawula imirhumo yabo.
Yiyiphi i-Robo-Abacebisi abakwaziyo ukwenza (Uninzi lwexesha)
Nangona zilungelelaniso ze-robo-advisors, kukho imisebenzi engcono eshiywe kumntu, ingakumbi ukuba ucebile kakhulu kunye / okanye unesimo semali esinzima. Nanku apho i-robo-conseilors ilula khona (ininzi yexesha).
Yakha iSicwangciso seMali esiPhezulu
Ukuba unomlinganiselo ophezulu weetandathu okanye ezisixhenxe, umeluleki we-robo mhlawumbi akayi kunanela. Uzakufuna umcebisi wezezimali othembekileyo onokuhlola yonke imifanekiso yakho yezemali, kuquka i-estate, irhafu, itrasti kunye neengxowa-mali zomshuwalense. Umcebisi wezezimali ogcweleyo kunye nesigxina sabeluleki abadibeneyo unokube bhetele kwiinkxalabo zakho zoqoqosho.
Ezinye i-robo-advisors, njenge-Betterment, zinika uncedo lwabantu. Kodwa kukho iminikelo iyakwazi ukusilela kwizandla-ngezandla, indlela epheleleyo yokwenza ucwangciso lwemali.
Khetha iiAfa zeeMali ezithile
Ukuba ufuna ukutyalomali ekutsaleni ngontanga, ukusebenzisana okulinganiselweyo, ukugcina iimali zokuvala, isitokethi ngasinye, izibophelelo, iimali, ukhetho kunye nokunye, umcebisi-robo akayi kusebenza.
Uninzi lwabacebisi bee-robo banqamle kwiintlobo zabo zokutshala imali. Enyanisweni, akukho baninzi bee-robo-abacebisi ababonelela ukufikelela kwiimali ezingaphezulu kwama-12-25.
Ukuba ungumthengisi wempahla kwaye ufuna ukusebenzisana nomcebisi wezemali kumzamo wokugqithisa iimarike, umcebisi-robo awukho kuwe. Izixhobo ezininzi ezisebenza ngokuzenzekelayo azilungelelanisi ngokwaneleyo kubatyalomali abafuna ukukhetha izinto zabo.
Okokuthi, kukho abacebisi abambalwa abenza i-robo njengotyalo-mali oluninzi oluthile lokutshintsha, njenge-Motif okanye iM1 Finance. Yaye iirekhodi zemveli ezifana noCharles Schwab ziqalise ukunikezela ngeenkonzo ezizenzekelayo, ezivumela abanikezeli beakhawunti ukuba basebenzise umcebisi we-robo ngelixa bafumana inzuzo yemali engaphezulu yemali eyenziwa ngumrhwebi.
Ukubetha iMarike
Uninzi lwabalandeli bee-robo landela isicwangciso-mali seqhinga lokutyalo-mali, oku kuthetha ukuba baya kuhamba ngokukhawuleza nokusebenza kwemakethe-kodwa abayi kuwubetha.
Ezinye iinkonzo, kuquka i-Hedgeable, i-Q plum kunye neSicwangciso seNtsebenzo se-Smart Beta, sinezicwangciso ezizodwa ezizama ukubetha imarike. Kodwa iziphumo zentsebenzo zisaphuma.
I-algorithm eyinkqonkco okanye cha, umcebisi wakho we-robo mhlawumbi ngeke akwazi ukubetha imakethe yemasheya. Kodwa kwakhona, akukho nomcebisi wakho womntu.
UBarbara A. Friedberg ungumphathi wepotfoliyo wangaphambili kunye nombhali we- Invest and Beat the Pros-Yakha kunye nokuLawula iNgxowa-mali ePhuloli . Ukubhala kwakhe kubonakala kwiiwebhusayithi ezahlukeneyo kuquka uRobo-Advisor Pros.com noBarbara Friedberg Personal Finance.com.