Dzidza kuti Robo-Advisors Vanoshanda Sei uye Nzira Yokuwana Nayo Yakanakisisa Kwauri
Robo-Advisors inongova itsva mutsva munyika inosimudza uye ivo vakawana mukuzivikanwa mumakore achangopfuura. Asi vashandi ve-robo-mazano vanogona kukugadzirisa matambudziko ako iwe uye zvinangwa zvako zvemari here?
Kuti uone kana varairi-mazano vakachenjera kushandisa mari yekushandisa zvikwereti zvewe uye chikwereti chako, tichatarisa maitiro avanoita, maitiro avanogona kubatsira vanoita mari, mari yavanobhadhara, uye tichatarisa robo top -vanokurudzira pamusika nhasi.
Chii Chinonzi Mutungamiri weRobo uye Vanoitei?
Mutevedzeri wemagetsi, sezvinonzi zita rinoratidzira, maitiro e autom automation management service iro rinoda zvishoma kudyidzana kwevanhu kamwechete kana mutengi achiita kutanga.
Dzimwe nguva dzinonzi mazano ezvemari dzemari, mazano emagetsi anowirwa nemapurogiramu anoshandisa mitemo yemasvomhu kana maitiro ekugadzirisa kugoverwa kwemafa uye kusarudzwa kwekutsvaga mari kune mutengi.
Kuti asvike pane zvakakodzera kugoverwa kwemafaji uye mazano ekutsvaga kwekutsvaga, muteresi anowanzozadzisa mibvunzo yekubvumira kushivirira kana kuti fomu yakafanana inoda kuti muteresi apindure mibvunzo pamusoro pezvinangwa zvavo zvemari uye kushivirira kune ngozi.
Nzira yekutsvaga mari inowanzoshandiswa ne-robo-mazano ehurumende ndiyo Exchange-Trade Funds, inozivikanwa seT ETF munharaunda yekutsvaga kwekutsvaga, kunyange zvazvo mamwe masimba ekuchengetedza kwekutsvaga, zvakadai sematokisi, zvibvumirano, mari pamwe chete, ramangwana, uye dzimba dzinogona kushandiswa.
Mushure mokunge mari yekutanga inosarudzwa isarudzwa uye igoverwa, software ye-robo-mazano ichaita zvirongwa zvenguva yakareba, yakafanana nekugadzirisa mazano avo vanopa mazano nevatengi vanozviita.
Ndezvipi Zvinobatsira zveRobo-Advisors?
Zvibatsiro zvevarobho-mazano vanogona kupfupiswa mune rimwe shoko - automation.
Pose pazvinenge zvichibvira, kuitisa mari yako nguva dzose inenge iri nguva yakajeka yekushambadzira mari. Mienzaniso yezvigadziriswa mumari yemari yaunosanganisira inowedzera mari kubva kumabhadharo, zvirongwa zvekugadzirisa zvirongwa, nekugadzirisa zvekutsvaga (zvakanyanya kufanana nemakambani ekurega, zvakadai se 401 (k) s).
Izvo zvinoshandiswa pakugadzirwa kwevashandi vezvemagadzirirwo ezvemagadzirirwo ezvimwewo zvakare inobatsira nenzira yekuzvibata. Kazhinji muvengi mukuru wemurima wega-achiita zvikanganiso nekudzingirira kudzoka uye kutengesa panguva isina kunaka. Kana zvinhu zvose zvichienzanisa, kusanganisira kugoverwa kwemari uye kusarudzwa kwekutsvaga kwekupihwa kwakapiwa nevarori-mazano, chinhu chevanhu chinobviswa uye saka kudzokera kwenguva refu kunogona kuvandudzwa nokuparadzanisa manzwiro emari, iyo inenge nguva dzose pfungwa yakanaka.
Ndeapi Ndiwo Mazano Ekupedzisira?
VaRobo-mazano vakange varipo kubva muna 2008, izvo zvisiri zvekare munyika yekutsvaga, asi kune mazana emakore emabasa. Kunyange zvazvo kushandiswa kwega-roga-gadzidzisi kune zvimwe zvakafanana, pane zvimwe zvisiri pachena, kusanganisira mari.
Heano mamwe emhando yepamusoro-soro-mazano anowanika pamusika nhasi, kusanganisira zvidzidzo zvekushanda nemari yavo:
- Vanguard Personal Advisor Services: Vanguard's robo-advisory model ndiyo inonyanya kuzivikanwa nemari yevatengesi, iyo inoratidza kuti ndiyo mienzaniso inogona kunge inonyanya kukosha kumunharaunda wevatengesi. Kunyange zvazvo zvakawanda zvebasa racho rakashandura sezvinonzi vekutanga robo-mazano vakagadzira makore gumi akapfuura, Vanguard inowedzera chinhu chevanhu nekuwedzera mupi wehupi wehutano. Nokuda kwekodhinari yemari ye $ 50,000 uye imwezve yebhadharo ye 0.30 muzana, vatengesi vanowana mazvikokota evarbo-mazano nevatungamiri vevanhu kuti vabvunze mibvunzo iri pamusoro uye nepamusoro pekugona kwevanhu vasiri "vadzidzisi".
- Schwab Intelligent Portfolios: Zvichida basa rinozivikanwa zvikuru robo-mazano, basa rekuchengetedzwa kweScabb Intelligent Portfolios rakagadzirwa pazvinhu zvitatu zvinokosha: Yokutanga inotangwa nemuridzi wevatengi kugadziriswa kwebvunzo remibvunzo iyo inotsvaga kushivirira kwevatengesi uye nguva yavo yekutsvaga. Yechipiri ndeyekugadzirwa kwepfetifolio ye ETFs neSwab. Chikamu chechitatu chinotarisa zuva rega rega nekugadzirisa zvekare kana zvichidiwa. Iko kune $ 5,000 yekutanga kutengesa kushandiswa uye $ 0 mari. Zvisinei, ETFs dzine mari inoshandiswa . Nokudaro mari inoshandiswa kumusimari inogumira kune ETF mari.
- Kuvandudza: Kuva wechitatu mune zvinhu pasi pevatariri kwebasa rekugadzirisa mazano ndeye kushamisa kune kambani isina zita rekuziva Vanguard kana Schwab. Mumwe piyona mubhizimisi robo-mazano, Betterment inopa basa rinogona kufungidzirwa kuva mutsara weVanguard naSchwab. Zvinyorwa zvinodhura 0.25 muzana asi hazvina huwandu hwekutanga huwandu hwekutsvaga mari. Kana varairidzi vanosarudza kuwanika kune mutungamiri wevanhu mukuwedzera kune automated service, vatengesi vanogona kuzviita ne Betterment Plus uye Betterment Premium. The Plus service 0.40% pagore uye vashandi vanowana maimeri asingagumi uye imwe foni yega yega pagore. Kune 0.50 muzana, vatengesi vanogona kuwana Premium service yemaimeri asingagoneki uye runhare risingagumi gore negore.
Unoda Zvechokwadi Robo-Mupi wezano here?
Zvichida kubatsirwa kukuru kwepaInternet, kushandiswa kwebasa rekutsvaga mari iyo vashandi vanogona kuwana nevarangi-mazano ndeyokuti kubviswa kwezvinhu zvevanhu kunobvisawo mikana yezvisarudzo-kusanganisa zvisarudzo izvo vashandi nevadzidzisi vanogona kuita kana vakundwa nekunetsa manzwiro sekutya uye makaro.
Zvakawanda zvekutsvaga uye zvinyorwa zvinoratidza kuti chiyero chekudzoka kwemapatofoliyo gore negore chinoderedzwa nekusaruramisirwa kwekutonga kwevanhu, sekutengesa mukutya kana kutenga kunodzinga kudzoka kwakakwirira. Izvi hazvifungi nezvimwe zvinowanzoita zvikwereti zvinokanganisa , zvakadai sekubatisa mari yakawanda yakawanda-kubva mumari inotengesa kana kubhadhara mari yakakwirira.
Saka, mubvunzo wekuti vashandisi vangave vanoda here kana kuti kwete varairi-mazano kune imwechete. Hazvisi zvakasiyana zvakasiyana nekukumbira kana iwe uchigona kuzviita iwe pachako kana kukwereta mutungamiri wevanhu . Kana iwe uchikwanisa kuomerera kumitemo isinganzwisisi yeasset allocation, shandisa mari yekuenzanisa, automate mari kana zvichibvira, shandisa inshuwarisi yemazuva chete, chengeta chikwereti pasi pesimba, uye iwe haungayambuki $ 2 mamiriyoni muzvinhu chero nguva pfupi, iwe unogona Zvechokwadi inotarisira yako pfuma.
Nhoroondo yekare, "Munhu chete waunogona kuvimba iwe iwe," akachenjera. Zvisinei, kusarudza mutungamiri chinhu chimwe chete iwe unogona kuzviitira iwe pachako. Saka, kana iwe uchivimba iwe pachako, unogona kusarudza mutariri iwe pachako, kana mupi wezano iwe iwe kana mumwe munhu.
Vashandi vanogona kuwana mari shoma, kuderedza zvinhu, uye kudzivisa zvikanganiso zvakaitwa nemanzwiro evanhu zvinogona kuita zvakanaka kuzviisa pachavo pachavo pasina rubatsiro rwemupiridzi - munhu kana kwete.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.