- Nhaka yekugoverwa kwemugove wako, hutano nemamwe masimari, maererano nehutano hwako
- Automated rebalancing
- Mutero-kurasikirwa kukohwa kwekatektaiti
- Dzidzo yekushandisa yezvekudzidzisa kusanganisira kubhadhara basa uye kuronga dzidzo
VaRobo-mazano , kusanganisira Wealthfront uye Betterment, chinangwa chekutora vatsigiri vezvemari.
Saka vanoita sei?
Apo Robo-Advisors Shenya
Kune dzimwe nzvimbo apo robot (kana, kunyanya, mari yekuchengetedza mari yakatsigirwa nesarudzo yakagadziriswa) ndiyo mutariri wemari ari nani kupfuura uyo anonzi DIYer kana mutariri wezvemari.
Mari nezvikwereti
Vatungamiri vezvemari vakawanda vanobhadhara kumusoro kune imwechete yezana yeAUM (mairi pasi pehutungamiri) kushandura mari yako yekushambadzira. Kusiyana neizvi, mari yevashandi ve-robo-mazano kubva kune zero, kune WiseBanyan uye Schwab Intelligent Portfolios kusvika ku89,89 pamusana pekubatsira-pfuma yeBuin Capital. Uyezve, vatungamiri vakawanda vanoda vateereri kuti vave nehuwandu huwandu hwemari; Kusiyana neizvi, Wealthfront ichakuendesa mumusuo ne $ 500 chete uye Zvimwe zviri nani hazvikwanisi kuzarura account.
Rebalancing
Uku kutsvakurudza kunoratidza kuti kuwirirana kwekutsvaga kwako chikwereti kubva kune imwe nzvimbo yaunosarudza kugoverwa kwemari nguva nenguva inovandudza kudzoka uye kunoderedza kusagadzikana. Kudzokorora inzira yekuchengeta huwandu hwemari yako inotengeswa mumatanda, kusungirwa uye mamwe mari nguva dzose uye maererano nezvamunoda.
Iwe unogona kuita izvi iwe pachako, kana kuti iwe mupi wezano wekutsvaga mari uite basa iri, asi mubatsiri wei-robo anoita basa rakakura rokugadzirisa iyi inotyisa basa rekutsvaga.
Matengesi eMatengesi Emakakatani Azvo
Kunyange zvazvo kudzoka-kuenzanirana kudzoka hakuiti kunakidza, mari yakawanda inoshandiswa pamwe chete inokundikana kusangana nematriciti.
Vanguard nedziverengeti vadzidzisi vakafananidza kudzoka kwevanoshandisa mari yevashandi pamwe nemari yemisika. Vakatora kuti mahofisi akawanda emari ekugadzirisa mari anokundikana kutema misika yemisika, uye kuti avo vanokwanisa kutapisa gore rimwe chete havawanzoenderera mberi nekurova kwavo misika.
Iko Robo-Advisors Haakwanisi Kuita (Nyaya Yenguva)
Pasinei nezvakabatsirana nevarimi, pane mabasa akasiyiwa kune munhu, kunyanya kana iwe uri mupfumi uye / kana uine zvinetso zvemari zvakaoma. Pano ndipo panotarisana nevarapi-roya (nguva zhinji).
Gadzira Comprehensive Financial Plan
Kana iwe une nhamba yepamusoro mitanhatu kana yechinomwe inokosha, mutevedzeri wemagetsi angangove asina kukwana kwauri. Iwe unoda mutariri wezvemari anotendeseka uyo anogona kuongorora yako yose yemari yemufananidzo, kusanganisira yeimba, mutero, matariro, uye inshuwarano yehupenyu. Mutungamiri wezvemari webasa rekushandisa pamwe nesimba rakagadzirirwa nevanopa mazano rinogona kunge rakanakisisa nokuda kwehupfumi hwehupfumi hwako.
Vamwe vanopa mazano avo, seZvinyorwa, vanopa rubatsiro rwevanhu. Asi kune zvipo zvingangove zvisingakwanisi nemaoko-pamusoro, nzira yakakwana yekugadzira mari.
Sarudza Mahedheni Ezvimwe Zvemari
Kana iwe uchida kuisa mari kune vezera rako-ve-peer chikwereti, tenzi mashoma kubatana, kubvumira mari yekupedzisira, munhu oga, zvisungo, mari, zvisarudzo nezvimwe, ipapo murovereri haagone kushanda.
Vazhinji varoti-mazano varo vashoma mumhando dzavo dzekutsvaga mari. Zvechokwadi, pane mazhinji avo vanoita ma-robo-mazano avo anopa kuwanika kune mari inopfuura 12-25.
Kana iwe uri kushingaira muchengeti uye unoda kushanda nemudzidzisi wezvemari mukuedza kusimbisa misika, mutambi wenharaunda haisi iwe. Zvizhinji zvezvigadziri zvinoshandiswa hazvigadziriki zvakakwana kune vashandi vanoda kusarudza zvavanoda.
Izvozvo zvakati, kune vashomanana varoti-semakambani ekutsanangurira masayiridzi ane huwandu hwekutsinhanisa kwekutsvaga, zvakadai seMotif kana M1 Finance. Uye zvikwereti zvemitambo zvakadai saCharles Schwab vatanga kupa mazano ekugadzirisa mazano, vachibvumira vashandi vekambani kuti vashandise mutevedzeri wemagetsi uye vachishandisawo mari yakawanda inotengeswa nehurumende.
Beat Beat Market
Vazhinji varoti-mazano vanotevera boka rekutsinhanisa mari yekutsvaga mari, zvichireva kuti vachaswedera pedyo nemakambani ekushanda-asi havazozvirova.
Zvimwe zvebasa, kusanganisira Hedgeable, Q plum, uye mikana yeBetter's Smart Beta, ine mikana yakasiyana-siyana inoedza kurova pamusika. Asi migumisiro yezvinobudirira ichiri kunze.
Shanduro yegoridhe yakanyanyisa kana kwete, wako mupiro-mazano anogona kunge asingazokwanisi kurova misika. Asi zvakare zvakare, uyewo munhu wako haazokurudziri.
Barbara A. Friedberg ndiye aimbova mumiriri wepodfolio uye munyori we Invest and Beat the Pros-Create and Manage Successful Investment Portfolio . Zvinyorwa zvake zvinowanikwa pane mamwe mawebsite akasiyana neRobo-Advisor Pros.com naBarbara Friedberg Personal Finance.com.