Kuisa mari kusati kwambova nyore
Ive itsva kune pfungwa yevadzidzisi vemagetsi? Heino maitiro avanoita: Robo-mazano kune makombiyuta automated investment platforms. Mushure mokunge musayina uye muchizadza pfupiso pfupi kupindura mibvunzo pamusoro pezera renyu, mararamiro ekurega basa uye kuvhiringidzika kwenjodzi, mubatsiri we-robo-aizoudza pamwe nepamusoro pepforeti yezvinangwa zvako uye unozvigadzirisa zvachose kuti urambe uchifamba kwenguva yakareba. Zvinowanzobhadhara zviduku uye zvinopa zvakawanda kupfuura mutsika wekugadzirisa mari, asi tora imwe-ye-imwechete yevanhu kubva ku equation. Izvi zvinotungamirira kune chinangwa chinowedzera uye mari shoma yekusimiswa kwemabasa, kukunda kukuru kune vashandi vezvitengesi vemarudzi ose.
Robo-mazano vakurumidza kuva nzira yakasarudzwa yekutsinhanisa kune vashandi vane huwandu hwehuwandu hwemahofisi uye zvinangwa. Uye zvinonzwisisika: Ndiyo nzira yakanakisisa yekushandisa mari yako nehuwandu huri pasi uye mari shoma. Kuenzanirana nemadhora, mari yekare-yekare-yevashandi vezvemari, vashandi ve-robo-mazano vachakusiya nemari yakawanda pakuguma, sezvo vachibhadhara mari shomanana, vachipa mutero kurasikirwa kwekukohwa uye kusarudza nguva yakaongororwa mazano emari ekukubatsira kuti usvike pachinangwa chako zvakanaka zvinogoneka.
Kana iwe uri pakutsvaga mubatsiri wei-robo, ivai nehanya nemari, kutora kurasikirwa kwemitero, mari yekubhadhara mari uye mari yepamusoro yezvisarudzo zvako zvepamusoro kana uchienzaniswa nezvikwereti zvemashamba makuru, saS & P 500. Kana ukawana mubhadharo uyo anokubatsira kuti usvike pazvinangwa zvako apo uchichengetedza mari, iwe unowokunda pamaoko ako. Ndizvo zvinorayirirwa pamusoro pezvose. Kuti ikubatsire kusarudza kuti ndezvipi zvakakunakira iwe uye zvaunoda, tarisa mutungamiri uri pasi apa unokurukura avo vakanakisisa vanoita robo-mazano nhasi.
01 Zvakanakisisa Kwazvo: Zviri nani
Nzira yakanaka inonzi yakagadzirwa nemunhu akare-kare uye yakakura kusvika kumusoro kwe murwi. Zviri nani zvine $ 10 biliyoni muzvinhu zviri pasi pehutungamiri, zvichiita kuti zvive zvakanyanya pane zvimiriro zvezvikwata zvemagetsi ekuzvidzivirira.
Kunaka kunopa zvikwereti nemari yegore negore kubva pa25 kusvika ku4,0 muzana, pamwe chete kusvikira pagore rekusununguka revatungamiri zvichienderana nehukuru hwekuisa mari yako yokutanga. Nhoroondo dzakawanda dzine a .25 muzana mari yekubhadhara, kunyange zvikwereti zvepa premium zvinowanikwa nezvimwe zvikamu zveakaunti zvinodarika $ 100,000 muhukuru hwe 0.40 muzana yemari.
Icho hachina hutengo huripo kuti uzarure nhoroondo itsva, iyo inoita kuti inonyanya kukoshesa varairi vatsva vasina mari zhinji.
Apo iwe unyoresa kunyoresa, iwe uchazadza kuongorora kwenguva pfupi pamusoro pezvinangwa zvako zvekutsvaga uye kushivirira kwepakati, izvo zvino zvakashandurwa kuva chirongwa chekutsvaga kwekutsvaga. Kunyanya Kubudirira vatengi vanowana ruzivo rwekurasikirwa kwemitero kukohwa kuti vafurure kunze kwekuwedzerwa kwekuwedzera pamapatoti ako.
02 Best for New Robo-Investors: Wealthfront
Neine mari inodarika madhora mabhiriyoni 8 muzvinhu pasi pehutungamiri, Wealthfront ndeimwe imwe huru yekugadzirisa maitiro. Nhoroondo dzakawanda dzinobhadhara zvakaderera .25 muzana mari yekutonga. ETF mari yekubhadhara inorema 0.08 muzana APR, pakati pemadhora ekuderera kunze uko.
Rokutanga $ 5,000 iwe waunotarisira unotungamirirwa pasina, izvo zvinoita kuti Wealthfront chisarudzo chepamusoro kune avo vanotarisa kuedza kunze kwemvura murobho-mazano. Iwe unogona kuisa mune chikamu chiduku zvikuru chepodfolio yako, kana chinhu chose kune zvikwata zviduku zvishoma, pasina kubhadhara penny mubhadharo yekushandisa (iwe uchange uchiripa mutual fund / ETF mari).
Pfuma yepamusoro yepamusoro zviratidzo zvekuvimba kwayo kwemazuva ano ePortfolio Theory kuvaka zvikwata zveTFF dzinodhura. Iyo inopawo kuenzanisira kuongororwa kwekambani ne $ 100,000 kana kupfuura, iyo inofanidza ETFs nekutsinhanisa zvakananga mumatokari kutora kurasikirwa kukuru kwekodzero yekukohwa kubatsirwa. Izvi zvinoita kuti zvive zvinokunda kutarisira mitero zvakare.
03 Zvakanakisisa Kubva Kudhura Kukuru: Schwab Intelligent Portfolios
Schwab Intelligent Portfolios ndiro chigadzirwa chemagetsi kubva kuCharles Schwab, chimwe chekambani huru dzekutsvaga muUnited States. Schwab ine $ 3.36 trillion muzvinhu zviri pasi pekutarisira, ne $ 23 mabhiriyoni mu robo-mazano mazano.
Chii chinoita kuti Schwab Intelligent Portfolios inonyanya kukosha haisi ikambani yekutungamirira, ndiyo mari. Schwab haatauri mari yekupa mazano kana kutungamira kweSwubb Intelligent Portfolios, uye iwe unogona kuzarura kambani ne $ 5,000 yokuzarura zvishoma.
Kungofanana nedzimwe mazano, iwe uchazadza tsvakurudzo apo iwe unyoresa kutarisa zvinangwa zvako, kushivirira kune ngozi uye nguva. Kubva ipapo, Schwab anotarisira zvimwe, achiisa mari yako mune imwe nzvimbo yakasiyana-siyana yeEFF. Schwab Intelligent Portfolios vanoshandisa mutero kurasikirwa kwekukotora uye kushandiswa kwekutsvaga kubatanidza, pakati peimwe midziyo, kupa vashandi mari yakanakisisa.
04 Best Nekubata Kwevanhu: Munhu Mukuru
Pfuma yevanhu pachavo inopfuura kungove mubatsiri. Paunotanga neBuin Capital, unowana rusununguko rusununguko kune rimwe purogiramu yekuchengetedza mari iyo iri chigadziro chakanaka pachako. Kana iwe ukasainira mari yekugadzirisa michina, iwe uchawana ruzivo rwemhando yevanhu yehuboti hunoita kuti vashandi vakawanda vanyatsogadzikana pane kuisa zvinhu zvose kune kombiyuta.
Chirongwa ichi chinopa $ 6 biliyoni muzvinhu pasi pekutungamirirwa. Zvichienderana nehuwandu hwepfekoti yako neBuin Capital, uchawana ruzhinji rwehutano hwakasiyana. Mutengo unodhura zvakanyanya kudarika dzimwe dzakawanda dzinopa robo, sezvauri kuripa munhu zvakare. Mahofisi kusvikira pa $ 1 Mamiriyoni aripo .89% pagore. Mitengo inoderera pamapatotiriyoni anodarika $ 1 mamiriyoni, asi izvozvo hazvisi zvose zvinowanzoonekwa kune vanoita zvekuda mari.
Kunyange kana iwe usingaregi kubasa rekupa mazano, Bhizimusi rekutsvaga kwekutsvaga mari uye zvishandiso zvemari zvakanyanya zvakakosha uye zvinokosha kutarisa.
05 Best for Students Loan Borrowers: SoFi Wealth
SoFi ndiyo inzvimbo yakakwirira kune vakadzidza zvikuru vechidiki kuti vatsigire chikwereti chevadzidzi, asi kambani yakakura ichibatanidza huwandu hweshumiro yemari, kusanganisira zvimwe zvikwereti uye kutarisira kwekutsvaga.
Kana uine zvikwereti zviripo kuSoFi, haungabhadhari mari yehupfumi hwekutarisira. Kana iwe chete uchishandisa basa rekutsvaga mari, iwe hauzobhadhara mari yebhadharo kusvika $ $ 10,000, uchirova soro yepfetifolio yekushambadzira pasina mari paPfuma yePfuma, uye unokweretesa kukwikwidzana .25 muzana yekuenzanisa $ 10,000. Iwe unogona kutanga nhoroondo ne $ 100.
SoFi Pfuma yehupfumi inowana zvakawanda kudarika hutungamiri hwekutengesa kombiyuta, zvisinei. Vanowanawo ruzivo kune vapeiri vevanhu rubatsiro rwekugadzirisa zvinhu, kuve nechokwadi kuti vari munzira yakarurama uye kuwanika zviitiko zveSofi zvepachena munyika yose. Iwe unotowana ruzivo rwemudzidzisi webasa nekutora mazano. Izvo zvakawanda kune zvishoma, kana zvipi, mari.
06 Best for Socially Responsible Investing: Pfuma
Kana iwe uchida kunzwa zvakanaka pamusoro pepodfolio yako uye kwete kungotarisa semari yekuita mari, funga Pfuma. Mari inenge yakakwirira kudarika vamwe vakakwikwidza kumusoro, nemari inotangira kubva ku50 kusvika ku40% kubva zvichienderana nehukuru hwepodfolio yako.
Ne $ 1.5 biliyoni muhupfumi pasi pehutungamiri, Pfuma haisi huru pane yeboka. Zvisinei, iyo inoshandiswa mune zvekugadzirisa mune zvekugarisana mune imwe nzvimbo yakasiyana-siyana. Iwe unogona kusarudza kusimbisa podfolio yako mumakambani anofanana nemitemo yako, yakadai semakambani ane carbon low emissions, anotsigira kusiyana kwehutano kana hunosimudzira dzimba dzinodhura.
Nhoroondo dzinouya nemabhero ose uye nheyo dzakadai sekurasikirwa kwemutero kurahwa, chikamu chekugadzirisa rekugadzirisa, kushandiswa kwekutsvaga rebalancing uye kuwanika kune varairi vevanhu.
Iko $ 5,000 yekutanga isingabhadharwi, apo nhoroondo dzinosvika ku $ 100,000 dzinobhadhara zvakakwirira .50 muzana mari. Inopfuura $ 100,000, unowana muzinga wepasi uye zvimwe zvimwe zvinhu. Izvo zvipimo zvepfuma yePfuma yeHuru zvinosanganisira hurukuro yeVIP yemakamuri yakasununguka, iyo inowanikwa nepamusoro pemapurisa akawanda.
07 Best for Women: Shevest
Iyo inowanzosimudzira kunze kwekutsvaga kukuru kwekutsinhanisa, asi inonyanya kukosha yekutarira kwayo kune vashandi vevakadzi. Inowanzopa mari yekukwikwidza mari. Machenda aripa .25 muzana yekodha kusvika ku $ 50,000. Kana ukangosvika $ 50,000, iwe unogona kuvandudza kuenda kunheyo yebasa nekunyorera kune vashandi vezvemari uye vakuru vadzidzisi.
Anowanikwa ane mazano akanaka emitero asi haasanganisi kurasikirwa kwemutero kukohwa. Asi inopa mapepafisi evanhu pahuwandu hwakawanda. Inongotengeswa chete muT ETF dzinotora kubva .06 kusvika .16 kubva pagore mumari.
Nhoroondo dzehukuru hwose dzine ruzivo rwakakura: Kuwana kusingagumi kune vapeki vezvemari kuburikidza nemashoko uye e-mail. Iri Rinokura Rinoita Nekuchengetedzwa Kwemazano rinosanganisira vashandi vezvemari vanogona kupa mazano pamusoro pehurukuro yezvinyorwa zvemari zvakadai sekubatanidza nekugadzirisa mabhuku ekare ekurega basa, kugadzirisa account yako kuti uite zvinangwa zvako, uyewo mazano ekugadzirisa zvikwereti paunenge uchibhadhara chikwereti.
08 Best for Low Fees: WiseBanyan
WiseBayan ndeye mutana mukuru-muongorori pakati pemakambani mashoma uye anokosha zvikuru pamusana pokusabhadhara mari. Hungu, vakasununguka! WiseBanyan chete zvinokonzera zvigadzirwa zvekuzvipa uye mabasa, uye nheyo yekutanga robo-mazano inobhadhara kushandiswa.
Kuti zviite kuti zvigone kushanda, WiseBanyan inopa nzvimbo yakazara yakagadzirwa. Hazvipi zvinyorwa zvose zvekutsinhanisa (semuenzaniso, muni zvisungo), asi zvine zvigadziro zvekutsvaga kwekutsvaga uye inosanganisira mari sechikamu chenyaya yako kana iwe ukasarudza.
WiseBanyan anopawo mapoka maduku madhoogi kupfuura mamwe emamwe. Nhoroondo yako yekutengesa uye zvinangwa zvinogadzirisa kusarudzwa kwekutsvaga, izvo zvisiri sekuchinja sezvamungawana kune imwe nzvimbo. Mune dzimwe nzira, iwe unowana zvaunobhadhara.