VaRobo-mazano vakagadzirira kuwana vanhu vakawanda kuvhara zvigunwe zvavo zvigetsi mumusika wekutengesa kuburikidza nemari inodhura, mamiririro emari ekutsvaga mari. Zvaunowana ne-robo-mazano ndezoroporeti yakabatana nezvido zvako mupfungwa , asi nehurongwa hwegoridhi pamhepo. Ichokwadi, iyo maitiro ekugadzirisa akavakwa, uye anotungamirirwa, vezvemari. Asi iyo inopindira pakombiyuta inokubvumira kuti uwane ruzivo rwehutano kune zvishoma.
Pane zvakawanda zvakanaka mumuenzaniso uyu. "Zvinodzvinyirira mutemo wekutengeswa kwemari," anodaro Will Trout, munyori wehupoti idzva, Kutarisa Pasi peHood: Robo Advice, Dambudziko rePadfolio uye Mutemo. "Iwe hauchadi kuva ne $ 5 mamiriyoni kuti ucherechedze mutengi wemusika-unogona kuva mireniyadhi ne $ 10 000."
Asi iwe unogonawo kuva mungozi pangozi yekufamba kubva padenga. "Nemahwende aya emitambo yekutsvaga pamisika-chero bedzi misika ichiramba ichikwira-dzakanaka," anodaro Trout. "Saka, mubvunzo, ndeyekuti: Chii chinoitika kana iwe uine dambudziko rekutengeserana mumakethe uye mapeti aya anowedzera kukosha? Ko mazano avo vanochengetedza sei vatengi vavo, kana kuti kudzivirira kuti vasagadzikana nemari yavo? "
Scott Smith, mutungamiriri weConulli Associates, imwe nyanzvi yekutsvakurudza iyo inonyanya kukoshesa kushandiswa kwenyika nekugadzirisa analytics, inoti hazvisi zvakawanda zvokuti varairi-mazano vanowanzoipa, asi kuti vangave vakakanganisa iwe.
"Kana pane zvisiri izvo zvinotarisirwa, hazvirevi kuti robo yakaita chero chinhu chisina kururama -kuti mutengesi haafaniri kunge aine robo pakutanga."
Hezvino chaunofanira kuchengeta mupfungwa kana uchienda robo.
Idzo ndeye fiduciaries yemuvara wakasiyana.
Pane nharo dzinoramba dzichienderera mberi kana varairi-vapeiri vanogona chaizvo kuita sefiduciaries-kureva, izvo zvinotenderwa nemitemo ndezvipi kuti zviite zvinodiwa nevatengi vavo.
Nhoroondo, pane maitiro maviri akasiyana ekupa mazano emari:
- Mhando yepamusoro, yakakodzera , iyo inobvumira vatengesi (somuenzaniso) kukutengesa iwe chigadzirwa chemari chinongokodzera zvaunoda.
- Zvadaro kune mazano ekufungidzira , anouya nepamusoro pemitemo. Hazvirevi chete mazano akafanirwa, asiwo anonyanya kufarira .
Sangano reSturities and Exchange Commission rinoona mazano ekuti vashandi vanoita sevanotarisira, asiwo inovakurudzira kuti vave pachena uye kuti maitiro avo ekurudzira sei mapurisa. Uye inosimbisa kukosha kwevari kunyatsoziva vatengi vavo kuburikidza nemibvunzo yavo.
Somutengi, "edza kunzwisisa mafirosi ekutsvaga maitiro kana nzira iyo iri pasi pehood," anodaro Sylvia Kwan, mukuru wekutsvaga mari kuLinevest, iyo inowanzoita mari yekudyara kwevakadzi. "Muzviitiko zvizhinji, kuchinja kunogona kuva chigadziro chikuru, asi nokuti vese varairi-mazano vanoendeswa ne-algorithm-izvo zvinosimbiswa nevanhu-iyo shanduro yekushandura inofungidzira iyo yakasimba."
Vose vanogadzirisa ngozi kune zvishoma zvakasiyana.
Uri kutarisira kutenga motokari mumakore mashanu anotevera here? Imba mune gumi? Kana iwe uri kufunga kwenguva yakareba, nekurega basa uye kudzidzisa vana vako mupfungwa here?
Ziva chinangwa chako uye nguva yako, nokuti izvo zvaunoda kuzadzisa nemari yako, uye nguva, inofanira kuenda mukugadzirisa kuti unochengetedza sei kana kuti ane utsinye purogiramu yako yengozi-uye kuti iwe unopindura sei mubvunzo wako webvunzo rerobo.
Vazhinji varoti-mazano vanotora zvido izvi, uye vanoedza kukurudzira iwe kuti uwane kodzero yekugovera mafairo pane zvido zvako. Asi havasi vose vanozviita nenzira yakafanana. "Kana uri kuchengetedza koroji yako yemwana , tichakupa mazano-tinovatumidza kuti mapoka ekutamburirana-uye unogona kukanganisa pfungwa shomanana kana pasi," anodaro Nick Holeman, CFP ne Betterment (iyo yakatanga semugove wakagadziriswa, asi kubvira ipapo wakawedzera vanhu kuzvipiriso zvayo). "Kana tikakurudzira 50% muhomwe uye iwe unosarudza 55%, nokuti uri riskier, tichakutendera. Kana iwe uchitanga kutsauka zvakanyanya, kufanana ne80%, isu tichamhanyira shure zvishoma zvakanyanya: 'Hei inoratidzika semuri kutora dambudziko rakawandisa.
Iwe unonyatsoziva uchiri kuda kuita izvi here? '"
Havasi uhu humwe-hunokodzera-zvose zvinogadziriswa.
Trout inoti uwandu hwemhando yezvinhu zvinopiwa nevarori-mazano kune vose ndeye chikonzero chakakwana chekuziva kuti hausi kuchengeta mazai ako mu robo-basket. "Iwe unoda kuparadzira zvinhu zvako kumarudzi akasiyana-siyana emitemo, kwete chete matanda uye kuchengetedzwa kwakachengetwa nevarbo-mazano," anodaro. "Kusiyana kwezvinhu kwakapiwa nevarwi-vapeki haisi simba guru." Kunyange zvazvo vashandi vekupa mazano vachipa ruzivo rwemahombekiti akawanda, kunyange nekutengesa pamwe nekubhadhara kurasikirwa kwemitero, uri pangozi yokurasikirwa nemari. Ndokusaka iwe uchida kusiyanisa mararamiro ako emitambo yakasiyana-siyana, iyo inorevawo kuva nemari yako mune mari, zvivako zvepamusoro uye zvimwe zvigadzirwa.
Vanogona kutora matanho ekutsvaga munguva dzenharo pasina kukuudza.
Gore rakapera, Zviri nani kutengesa kushandiswa munguva ye "Brexit" yemakethe kusada kuvharira vatengi vayo kubva pakuita zvisarudzo zvisina kufanira nemari yavo-Mutungamiri mukuru wesangano Jon Jonin akapinda pareji achiti aive akanaka. Nokuda kwechikamu chikuru, robos inofambisa motokari dzemotokari dzinokubvumira kuti utore gumbo apo unoda kuitungamirira mune imwe nzira yakasiyana. Nekufamba uku, Kunyorera kwakaendesa mabheji emhepo, kusinganisa zvachose varimi vavo. "Kukurukurirana kungave kwakanyatsojeka," anodaro mutauri we Betterment Arielle Sobel. "Tinomira shure kwayo-vatengi vedu vaifara zvechokwadi nezvakaitika."
Zvichida. Asi funga kuti vatongi vakasiyana-siyana vachabata mamiriro aya nenzira dzakasiyana. Apo misika iri kutengesa, vamwe vauzi-vanhu kana robo-vachazotumira mazai e-blanket kana mafoni. Vamwe havaiti, vachifunga kuti uku kukurukurirana kunogona kudzorera kana vamwe vatengi vakanga vasina kutya pakutanga. "Nzira yatakabata ndeyokushanda zvakanyanya kudarika zvinoshanda," anotsanangura kudaro Holeman. "Kana iwe uchizopinda mukati meBraxit, somuenzaniso, iwe uchaona chiziviso, asi kana iwe usingatongopindi, hauzozvioni."
Nzira dzakasiyana-siyana dzakawanda dzevashandi (kusanganisira Betterment) kuderedza kudengenyeka chimwe chinhu chinofanira kufunga, zvakare. Apo pamusika unowira, vazhinji ve-robo-mazano vanozogadzirisa zvinyorwa zvese zvepodfolio yako uye vachishanda kurasikirwa kwemitero. "Nzira idzodzo dzinobatsira kushandiswa kwekuderera kune zvakakunakira kururamisa chikamu chako ... Asi hapana nzira yekudzivirira kurasikirwa," anodaro Holeman. Kana, munguva dzino dzekutengesa, iwe unoda kugovera uye kupa mhinduro, saka robo inogona kunge isiri iyo yakakunakira iwe.
Vanogona kunge vane maonero mashomanana emari yako yemari.
Pangozi yekureva pachena: Zvakanaka sei kuti robo inokuziva iwe uye kushivirira kwako kwengozi kuburikidza nemubhadharo wevheti ichasarudza kuti iwe pachako iwe unhu hupi huchave huri. "Kana iwe ukapfuura uye ukazadza mibvunzo mitanhatu-mubvunzo, hapana chokwadi chekuti iyo nhoroondo yave yakagadzirirwa" [iwe pachako] zvaunoda uye zvaunoda, "anodaro Smith. "Tinofanira kuparadzanisa hurongwa hwemari kubva pamabasa ekufambisa. [Chikamu] kutarisira chikamu chekugadzirira, asi chikamu chimwe chete. "
Ndicho chikonzero vamwe vatungamiri vemabhizimisi vanotanga kupa hutano huripo hwevatengi vavo. Mutevedzeri wemugove Wealthfront, somuenzaniso, akaisa Path, inofanirwa mari yekugadzirisa zvinhu inoita kuti vatengi vaone mibvunzo yakaita seyi:
Ndinoda kuti mumwe munhu aongorore mari yangu, kana ndinoda kukwanisa kutaura pamusoro pemari yangu, zvakare? Ndinoda hurumende yekugadzirisa shandiso, kana ini ndinoda hutungamiri yekugadzirisa hutano uye ukama hwekuita mari?
Nokuda kwechikonzero ichocho, Kuvandudza kwakaburitsa mazano evanhu kumashure. "Takaonawo mari isinganzwisisiki," anodaro Sobel. "Uye kuitira kuti uvimbe yakasimba iwe uri kuisa mari ne ... Kuvimba kunowanzouya kana uchitaura nemunhu."
Kana iwe usingazvizivi iwe pachako, uyewo haisi iro robo.
Kuita pane zvauri kuda kunogona kuwanikwa kuburikidza nekuziva kuti iwe uri ani semari. Kuti unyatsogadzirisa izvo mudzidzisi-mazano anoshanda nemari yako, unofanirwa kufungisisa uye kutaura chokwadi pazvinouya pakuzadza mibvunzo. "Pakufamba nemibvunzo yavo, vanhu vanoda chaizvo kufunga nezvavo uye vanova nechokwadi chokuti vanopindura zvavanonzwa-kwete zvavanofunga kuti robo kana kuti zvakasimba vanoda kuti vanzwe."
Inogona kuve yakananga, asi funga kupindura mibvunzo mupfungwa, pane kungofunga. Somuenzaniso, kana mumusika uchienda pasi, unogona kunzwisisa kuti iri mukana wokutenga, asi kana pfungwa yemusika ichienda pasi inowanikwa yako adrenaline kupemha (uye kwete nenzira yakanaka), saka ndicho chinhu chaunoda kutarisa.