Automated Investment Services Inogona Kuita Mahofisi Ekutarisira Zvishoma
Mhando itsva yepaIndaneti yakabuda iyo inogona kukubatsira iwe kutarisira matanho ako. Izvi zvinowanikwa mumapurogiramu anonzi " robo mazano ".
Mutevedzeri wemagetsi anogona kuva sarudzo yakanaka kune mumwe munhu asingadi kuhaya mutariri wezvemari , haana mari yakakwana yekubhadhara mutariri wezvemari asi zvakadaro, kana kune mumwe munhu aimbove ari muzvikwereti iwe pachako, asi hapana kwenguva yakareba inoda kusarudza zvikwereti, kugadzirisa uye nzvimbo inoshandiswa pamabhuku avo.
Vatungamiri veRbobo vanogona kusarudza zviripo nekutsvaga mari uye vanovaka nzvimbo dzakasiyana-siyana. Kana imwe nguva mari yako inotengeswa, nguva dzose, software yacho inogadzirisa zvinongororwa kumari yekugadzirisa chikwereti chako kumashure ekutsvaga. Vamwe mazano avo vanoita robo kunyange vanotengesa kuita zvigaro zvingabatsira kuderedza mitero yemutero; imwe nzira inonzi kuteresi-kurasikirwa kukohwa.
Kana iwe uri muzviiti-iwe-iwe pachako iwe, iwe mazano ekudhura kwema-robo mazano angakubatsira iwe kuvaka purofisi yepamusoro. Heino maitiro avanoita.
Ndezvipi Zvikwereti Zvinobatanidzwa?
Uine varairidzi vepa robo iwe unobhadhara mari yebasa uye iwe unobhadhara mari yezvikwereti zvinoshandiswa.
Mutungamiri wega roga ane mvumo yekubhadhara iyo inogona kuve yakarongerwa seinenge yakagadzirirwa mwedzi mumwechete kana sehuwandu hwezvinhu. Nevanopa mazano avo vanobhadhara mari yakagadzirirwa mwedzi mumwe nomumwe, mari yacho inowanzobva inenge madhora 15 pamwedzi kusvika ku $ 200 pamwedzi zvichienderana nehuwandu hwepodfolio.
Neine chiyero chemari yekugadzirisa, iwe uchaona mari mukati mako .15% kusvika ku50% yehuwandu hwebhuku yako kwegore. Kana iwe waive ne $ 100,000 a .50% mubhadharo yaizoenzanisa ne $ 500 pagore.
Iwe unobhadharawo chero mari inoshandiswa inoshandiswa nemari inoshandiswa nevane mazano avo. Semuenzaniso, mutual funds pamwe nemari yekutsinhanisa mari inoshandiswa mari.
Mhando iyo yemari inotorwa kunze kwezvinhu zvemufambisi isati yatora mari inoshandiswa kune vatengesi.
Zvizhinji zvezvipfeko zvepasitoreti zvepaIndaneti zvinopa nguva yekuedza yakawanda kuitira kuti ugone kuona kuti inoshanda sei usati wapomerwa.
Ndezvipi Zvibatsiro?
Chimwe chezvikomborero zvikuru zvekushandisa mazano ekugadzira robo ndechokudzivirira kutenga mari inokanganisa. Yakave yakanyorwa kakawanda pamusoro pechimwe chezvikonzero chikuru kune vashandi vanowana mikana yakaipa nekuda kwemafambiro avo. Vashandi vanoita zvisarudzo zvepamusoro pamusika wepamusoro uye pamisika inotengesa uye inobva pamatambudziko. Software haigadziri marudzi aya emhosho.
Imwe rubatsiro inoderedza kudzvinyirira. Kana uchinge wazarura account yako, robo mujeri software inoshandura iyo yose nzira. Iwe hauchafaniri kunetseka kana iwe uchifanira kuchinja kuhofisi yako, kana kushamisika kana iwe uchifanira kuwedzera mari mune teknolojia kana zvishoma mune mari. Iwe haufaniri kupinda mukati uye ugoita unyanzvi. Iwe haufaniri kunetseka kuti mutengesi kana mumwe munhu wekutengesa mari ari kuita kukurudzira iyo isiri yako yakanakisisa.
Ndivanaani Vari Robo Advisors Vakanaka Kwazvo?
Vatungamiri veRobo vanogona kuva sarudzo huru yekutanga vatengesi, vechidiki vaduku vanoda kuisa mapepafisi avo pa "automatic", uye kune vashandi vane mamiriro akaoma.
Vashandi vane zvikwereti zvezvikwata, vanoda kurongedza kambani inobhadhara kambani uye 401 (k) s nedzimwe nhoroondo, kana avo vanoda nzira yakagadziriswa kumutero wekutsvaga kwekutsvaga vanogona kuwana kuti mhinduro yakakwana haisi yakanaka.
Ndezvipi Zvinotengeswa Zvinoshandiswa?
Vazhinji varoki varoti vanoshandisa mari pamwe chete, kana mari inoshandiswa-inoshandiswa-kutengesa mari yekuvaka purojekti - kwete maoko. Rob vanopa mazano vanowanzotevera chikwereti chekucherechedza kana kushandiswa kwekutsvaga kwekutsvaga kunobva pamazuva ano epodfolio yemapurisa ekuongorora. Iyi tsvakurudzo inoti inonyanya kukosha ndeyekugoverwa kwezvikwama kana zvisungo. Zvino iwe unotarisa pane izvo zviri pasi pezvikwereti zvemasitadhi, zvakadai sehombe huru, duku duku, kana pasi rose. Ipapo unotarisa pane izvo zvidzidzo zvisungo zvidzidzo, zvakadai seduku, pakati pfupi kana kwenguva refu. Neine mazano ekuronga, software inoita izvi zvose kwauri!
Mitero Inoshanda Sei paAkaunti yeRbobo?
Kana iwe uine IRA, Roth IRA kana imwe yeruzhinji yemutero wekubhadhara mari, hapana mitsara yemitero inofanira kufunganya nezvayo nemaitiro akazvigadzirisa. Nezvenzira idzi dzekodha, haubhadhara mutero kusvikira pazuva raunotora kubvisa. Kudzorera kana kutumira akaunti yako kubva panzvimbo yaro iripo kuenda kumugadziri webhodhi hakurevi sekuregera.
Kana iwe uine mazvikwereti asina kuiswa mukati mekambani yekubvisa mari iwe unogamuchira 109 gore roga roga iro rinoshuma zvidimbu, zvikwereti, nemari inowanikwa. Iwe unoshuva avo vari pamutero wako wekubhadhara uye unobhadhara mutero kune idzi marudzi ekutsvaga mari.
Nhoroondo dzeRobo inowanzowanikwa mari nemari. Kana vakakubvumira kuti uende kune dzimwe nyika, mazvikwereti aya angangotengeswa kunze kwekuti iine zvikwereti zvakashandiswa kare mukwidziro yemuenzaniso we robo. Kana zvikwereti izvi zvisati zviri mukati memakambani ekubhadhara mari pavanotengeswa chero mari ipi zvayo inowanikwa kana kurasikirwa ichazadzika. Kana yaive yepfuma, izvi zvingaguma nehurukuro pane yekare yemutero mushure megore raunotendeukira kumudzidzisi we robo.
Ndezvipi Zvimwe Ndinofanira Kuziva?
Mutevedzeri wemagetsi haasi wegadziri wemari. Vamwe mazano ekurobo vane mamwe majekiti anogona kukubatsira kuti uratidze kuti mabhuku ako achakura sei, asi iwe haugamuchiri mazano ekugadzira mazano pamusoro pehuwandu hwekuchengetedza, kushandiswa kweRoth IRA kana Traditional IRA, nzira yekugovera zvikwereti kune mamwe maitiro se yako 401 (k), nezvimwewo.
Vamwe varayiri vepa robo vanopa rubatsiro rwemararamiro (izvi zvinowanzotengesa zvishoma), asi vamwe vanobvumirana newe zvese kuburikidza newebhu. Kana iwe uchida kubata ruoko uye izwi rinozivikanwa kuti utaure naye, mutungamiri we robo haufaniri iwe.
Mukuwedzera, kana iwe uri pedyo nekurasikirwa, kugoverwa kwemashandisiro anoshandiswa mumakambani ekugadzirisa maitiro angasakubatsira kuti uenzanise iwe wekutsvaga kwekuita kwechikamu chekusiya. Panguva iyoyo, iwe unogona kutsvaga rubatsiro rwemugadziri wezvokugadzirisa mari yehupfumi.
Ndekupi Kwandinowana Mutungamiri weRobo?
Pasi apa pane mazita evanowanikwa mazano avo. Vamwe vanopa rubatsiro rwevanhu kupfuura rumwe.
- Asset Builder
- Zviri nani
- Personal Capital
- MarketRiders
- Rebalance IRA
- Schwab Intelligent Portfolios
- SigFig
- WealthFront
Kuti uwane rumwe ruzivo rwakakwana, pamwe chete nekudzokorora kwebasa rimwe nerimwe ona Muchengeti weJunkie's article Rise of the Robo-Advisor - Unofanira Kushandisa Rimwe Here?