Iwe Unogona Kudzokorora Mimwe Yebasa Rako Iwe pachako ... Asi Hazvizovi nyore.
Robo-mazano ndivo nzira inoshamisa yeavo vasina ruzivo rwekutsvaga kwekutsvaga mari yekuvaka purofisi yakanyatsogadziriswa yakagadziriswa nekuda kwezvavanoda. Asi varairi-mazano havasi vakasununguka, uye mari inowanzotanga pavanenge 0.25 muzana yehuwandu hwepodfolio yako gore negore. Uine izvozvo mupfungwa, ungangodaro unofunga kana iwe unogona kuita zvaunofunga nemudzidzisi wako pachako, apo uchibhadhara mari shoma.
Mhinduro ndeyokuti iwe unogona kuita zvakawanda zvekuti mupiro-mazano anoshanda iwe pachako, asi haugoni kuita zvose izvo murobo-mazano anopa.
Ngatitarisei zvaunogona kuita kuti uite semudzidzisi we robo iwe pachako, uye paunogona kusarudza kuti zvakakosha kupa chikamu chako chekombiyuta kuti uite mari.
Maitiro Aungatevedzera Mutevedzeri weRobo
Nenzira inokosha, murobho-mazano ndeye purogiramu yemakombiyuta inosarudza mari yakaderedzwa yekutengeserana mari yako zvichienderana nekukanganisika kwengozi, makore, uye zvinangwa zvekutsvaga. Kana iwe uine ruzivo rwekutaura kwekuti mari yekutengeserana pamwe nekuchengetedzwa kwemari inoshanda sei, unogona kutenga zviri nyore mari yako pachako usingabhadhari mumwe munhu, kana kombiyuta, kuti ikuitire iwe.
Vazhinji varoti-mazano vanotenga zvikamu zvekubhadhara mari pamwe chete neEFs kubva kune dzimwe dzimba dzemari . Inowanikwa mari yemhuri kune avo vanopa mazano avo vanosanganisira Vanguard, iShares (Blackrock), State Street (SPDR), Fidelity, nevamwe. Irobo-mazano avo havakwanise kuwana chero mari ipi zvayo yausingaiti. Nenzira yakawanda, kana mubatsiri wekambani anokwanisa kuutenga, iwe unogonawo.
Vazhinji varoti-mazano vakanyanya kukubatsira kuti uchengetedze uye uite mari yekurega basa.
Iwe unogona kugadziridza kudzokerazve zvikwereti zvekutsinhanisa mari uye kugadzirisa mashandisiro ezvesimhanho nguva dzose yebhadhiro mumari yako yaunoda kubhadhara mari .
Chinhu chakakosha zvikuru ndechekuti iwe unosarudza mari yakaderera yekubhadhara mari imwechete kana ye ETFs nekuda kwezvinangwa zvako uye unorega kukanganisa kwemisika. Kana iwe ukasimwa nguva dzose pane nguva yakareba, misika yagara ichikwira.
Pasinei nokuti mari yako inobatwa nemudzidzisi wepamberi kana mune imwe nhaurirano yekubhadhara kana yekubvisa mari, migumisiro inofanira kuva yakafanana.
Zvamusingagoni Kuita
Nepo iwe unogona nyore nyore kuvaka purojekti iyo inotarisa zvakangofanana kune zvaunowana ne-robo-mazano, zvishandiso zvekuita robo zvisingaiti kungotora mari pamwe chete neye ETFs kwauri. Kunyanya, izvi zvitatu zvakagadzirwa nemagetsi zvakaoma kutevedzera semuridzi wezvokuchengetedza iwe podfolio yako:
- Kurasikirwa kwemitero kukohwa
- Automatic rebalancing
- Kugadzirisa maitiro ako kwechinguva
Iwe unogona kusvika pane imwe nhamba yekuenzaniswa kwezvinhu izvi iwe pachako, asi zvingasava nyore kana kuti zvakakodzera nguva yakabatanidzwa. Heano kuputsika kwezvakaitwa nevarori-mazano nevanoedza kutevera pamwe chete.
Kurasikirwa Kwemitero Kukohwa
Kurasikirwa kwemitero kukohwa inzira yekutengesa mari yekurasikirwa pavanenge vari pasi, uye kudzorera imwe pfuma yakadaro pakarepo. Izvi zvinotora kurasikirwa kwezvinangwa zvemitero muhotera yako, iyo yaungashandisa kugadzirisa mari inowanikwa kubva pakukunda mari. Somuenzaniso, kana iwe uri kubata chikamu cheVanguard S & P 500 index fund uye ukawana $ 1 000 kurasikirwa, unogona kutengesa Vanguard S & P 500 fund uye kutenga imwe yakagadziriswa mari (zvichida Schwab S & P 500 index fund, kana kungosiyana neVanguard fund ) nemari yacho.
Iwe unobata zvinenge zvakagadziriswa pakupedzisira, asi nokuti wakatengesa kushandiswa kwekurasikirwa pakurasikirwa , unogona kutora iyo $ 1 000 kurasika kubva pamitero yako.
Iwe unogona kuzviita iwe pachako uri woga, asi kuzviita nenzira yakanakisisa uye zvinobudirira inenge iri basa renguva yakazara. VaRobo-mazano vanoramba vachitsvaga misika yemikana yekutora kurasikirwa muhofisi yako, uye iwe haugoni kuwana mhinduro imwechete iwe pachako. Semuenzaniso, Kuvandudza-imwe yevakuru uye yakakurumbira mazano e-robo-zvipikicha zvokuti vatengi vanogona kutarisira 0.77 muzana zviri nani pashure pokubhadhara mutero pazvikwereti zvavo neHarare Loss Harvesting + chigadzirwa.
Automatic Rebalancing
Paunenge uumba chikwereti chako, unofanirwa kushanda kune chinangwa chekugoverwa kwezvinhu . Semuenzaniso, iwe unogona kutsvaga chikwereti chinotyisa chinoumbwa ne 90 muzana mashizha uye 10 muzana zvisungo.
Asi nekufamba kwenguva, zvikwata zvako zvingangokura zvakakurumidza kudarika zvisungo zvako, uye pakupedzisira iwe unogona kuwana chikamu chako chezvikwata zvikamu makumi mapfumbamwe nemazana mashanu ematokari uye 5% zvisungo, kana chimwe chinhu chiri kunze kwekutsvaga kwako.
Kana iwe ndiwe chete mutyairi wechirungu chako, pane imwe nguva mune ramangwana iwe ungada kutengesa zvimwe zvigadzirwa zvezvitoro uye kutenga zvimwe zvigadziro zvehutano kuti udzose chikwereti chako muchikwata chako . Semurimi wevanhu, iwe unofanirwa kuita sarudzo iwe pachako, uye unoda chimwe chinhu sechiyeuchidzo chekarenda kuitira kuti urege kukanganwa kushanda kuburikidza nebhuku rekuongorora rebalancing.
Robo-mazano vanogona kuita izvi kwauri iwe uchirara. Iwe haunoda chero zviyeuchidzo. Iwe haufaniri kusarudza zvinhu zvekutenga nekutengesa. Nepo iwe uchigona kuzviita iwe pachako, varimi-mazano vanowanzoita basa rakanaka zvikuru. Mushure mezvose, vari kufunga nezvemari yako maawa makumi maviri nemasere, apo iwe unogona kunge une zvimwe zvinhu mupfungwa dzako.
Kugadzirisa Zvaunenge Uchiita Maawa
Pakupedzisira asi kwete, vadzidzisi ve-robo vari nani zvikuru kupfuura vanhu pavanoshandura zvinhu zvenyu kune mamwe mahofisi epodfolio pane nguva. Zvechokwadi, unogona kutengesa mapeji maviri-mapepa 'anokosha ematokari uye kutenga zvisungo zvakawanda, asi kuita zviduku zvishoma izvi zvinogona kuoma uye zviri nyore kukanganwa.
Iwe unogona kuzvinyora iwe pachako nechinangwa chekuwana chikwereti mari , asi vadzidzisi ve-robo vanogona kutarisirwa nayo paunenge uri pazororo, wakabatikana kubasa, kana kuita chero chimwe chinhu kunze kwekushandisa nguva uchishanda pane peji yako. Kunyanya, chinangwa-chezuva mari mari inowanzobhadhara mari inofananidzwa neicho iwe ungatove uri kubhadhara mu-robo-mazano.
Imwe yezvinetso zvikuru mukugadzirisa izvi iwe pachako kuzviranga. Iwe unogona kugadzirisa chinangwa chako chepodfolio panguva yakareba, asi iwe iwe unotozviita here? Vazhinji varairimi vanoona zviri nyore kubvisa rudzi urwu rweminiti tsanangudzo kune vashandi vekutsvaga, izvo zvinogona kuva mutungamiri wezvemari kana kuti murovereri. Uine vadzidzisi vese, iwe unoziva uri kuwana mhizha inotungamirira kushanda pane chikamu chemari yekubhadharira kwevanhu, uye iwe hauna kunyanya kunetseka pamusoro pehutungamiri hwezuva nezuva hwekutsvaga kwako.
The Verdict: Robo-Advisors Inokosha Kwazvo (Kazhinji)
Kunyange kune vakadzidza zvakanaka, vanoziva zvekurima, varairi-varairi vanogona kuita mukukanganiswa kweziso izvo zvinotitorera isu maawa evanhu kuzviita isu pachedu. Iwe unogona kukwanisa kudzokorora zvimwe zvekukosha kwavo kuburikidza nekushandiswa kwezvakatorwa-zuva mari uye iwe pachako unoshanda mahofisi ekufambisa, asi zvingave zvisina kukodzera nguva yaunopinda nayo. Uye kana iwe uri kuisa mari inotengeswa-kureva iwe, hausi kuisa mari kune imwe yemutero wekubhadhara mari yeAvidual-retirement-saka kukohwa-kurasika kurasikirwa kwakapiwa nevarwi vakawanda-mazano kune zvakakosha.