Robo-mazano - mazano ekutsvaga mari ekutsvaga kutevera mazano emudzidzisi wezvemari-akakura pakuzivikanwa mumakore achangopfuura. Vanonyanya kufarirwa pakati pevatangi vemari vanotanga avo vanoda mumwe munhu kuti "azvitorere" ivo vasina kubhadhara mari yakakwirira yemaoko-kune mutariri.
Vatungamiri vaviri vanozivikanwa zvikuru mundima iyi ndeye Wealthfront uye Betterment, asi nemipiro miviri yakafanana, zvinogona kuva zvakaoma kusarudza zvakakunakira iwe.
Nhasi tichamhanya uye tinoona kuti Wealthfront uye Betterment inowedzera sei, uye dzimwe dzevamwe.
Kunaka Kuongorora
Kunaka ndeimwe yevashandi vekutanga robo-vauri, uye vazhinji vanofunga kuti kambani ndiyo ndiyo yakatanga iyo mhizha. Zvine nhoroondo inodzokera muna 2008, Kuvandudza kunowedzera kuisa mari yako yekutengesa mari yakaderera, yakasiyana-siyana inoshandiswa mari inoshandiswa (ETFs) inofanirana nehuwandu hwehuwandu hunozadza kana uchitanga nhoroondo itsva.
Iwe unogona kutanga nehana shoma, uye Betterment inopa 100 kubva muzana yemadhora ako oga. Iwe hauna kumbova nemari yemari muakaunti yako; zvinhu zvose zvinokurumidza kushandiswa zvichienderana nehuwandu hwehutano hwako.
Chimwe chezvinhu izvo varimi vakawanda vanonyanya kufara nezvazvo zviri nani kune kurasikirwa kwemutero kurahwa . Zvichida chete zvinowanikwa semuongorori wezvinyorwa kune vashandi vemapfumi, Nzira dzakanaka dzekugadzirisa zvinhu zvinowanzozvitenga uye kutengesa zvigumisiro munyaya yako yepamusoro kutora kurasikirwa kwemitero, kuderedza mari yako inowanikwa mubhadharo nekuda kwe IRS.
Nokufamba kwenguva, kurasikirwa kwemitero kunokonzera kunogona kuwedzera kusvika kuhomwe huru. Kurasikirwa kwekukwereta mutero kunogona kukanganisa kusvika $ 3,000 pagore yemari inowanikwa uye inotakura mberi kana iwe ukapfuura.
Zvinyorwa zvinodhura 0.25 muzana panhoroondo dzose kusvika ku $ 2 mamiriyoni ehutano uye zvikwereti hapana mari kune iyo.
Wealthfront Review
Wealthfront yakauyawo pachiitiko muna 2008, asi ikozvino kuitora kwacho hakuna kuuya kusvika gore ra2011, kupa huri nani mutatu wemakore wekutanga kutanga munzvimbo yekupa mazano.
Zvisinei, Wealthfront inopa imwe chinhu chakasiyana-siyana chinokupa iwe zviri nani kune mitsva yemitero kupfuura iwe unogona kuwana neBricment's tax loss loss: Direct indexing.
Kutarisa kunyoresa mutero kurasikirwa kwekukohwa, asi panzvimbo yekutsinhanisa chete mumisika yakawanda ye ETFs, Wealthfront algorithms inowedzera zvakananga mumashamba eS & P 500. Uku kurairika kwegranular kunopa kunyange kurasikirwa kwemutero kurasikirwa kwekukohwa kudarika Kuvandudzwa kweterenda yeTF yekurasikirwa kwekukohwa. Zvisinei, kurondedzera kunyoresa ndeyemakondomu ane chikwereti chinopfuura $ 100,000. Kana ukangosvika $ 500,000, unogona kubatana neSimba yakanyanya Advanced Indexing chigadzirwa.
Zvimwe zvisinei, Wealthfront inopa mari yakawanda kana yakafanana yekuisa mari kune Zvekunaka. Mushure mokuzadzisa huwandu hwehungwaru, Wealthfront's automated algorithms inowedzera mune dzakawanda dze ETFs.
Pfuma inoda $ 500 zvishoma kubhadhara kuzarura kambani itsva uye inokwereta zvakafanana 0.25 muzana inobhadharwa seZvirongwa. Iko hakuna chikwata pane mari, saka mahofisi anodarika $ 2 mamiriyoni aripa zvakawanda pa Wealthfront kupfuura pa Betterment. Nhepfenyuro yehupfumi haisi mari pamabhengi pasi pe $ 10,000.
Zvimwe Robo-Advisors Kufunga
Schwab Intelligent Portfolios : Kana uchinge uine ukama naCharles Schwab, unogona kunge uchifarira Schwab's robo-advising product.
Uyu ndiye anokunda nekuti inouya pasina mari. Zvechokwadi, mari yaunayo kuburikidza neSchwab Intelligent Portfolios inoramba ichibhadhara mari-haisi yakasiyana nekunge iwe waizotora mazviri zvakananga. Nhoroondo dzinoda $ 5,000 kuvhura muyero.
WiseBanyan : WiseBanyan inopa mari-robo-mazano pasina nheyo shoma. Zvinyorwa zvakagadziriswa semutero kurasikirwa kwekukohwa, izvo zvinouya kusanganisira mune dzimwe makwikwi michina, zvinoda mari yakawedzerwa. Kana uri muweti wekutsvaga mutsva uye ane chikwereti chiduku uye iwe unopedza zvizere, unogona kufunga nezveWiseBanyan.
Pfuma : Upfumi humwe husarudzo husina huwandu hwemari, asi inokonzera 0,4% kusvika ku5,5 muzana mumari yekutarisira, ichiita kuti iwedzere kupfuura yevashandi vemagetsi. Kurasikirwa kwekukwereta mutero kunosanganiswa nePfuma yePfuma Black nokuda kweakaunti kupfuura $ 100,000.
Pfuma inonyatsozivikaniswa nekupa sarudzo dzevanhu mune zvehupfumi.
Muzinda Wekuda : Bhudziro reMunhu hupi hupi hupi hupi hupi hupi hupi hupi hwehupfumi hwemari hutungamiri hutano hwakakosha kune umwe wekusimbisa uye hunoita hutungamiri hwekutsvaga kubhadhara mari. Zvipimo zvehupfumi zvehupfumi zvinotungamirirwa kuburikidza ne hybrid robo-vadzidzisi uye hukama hwehutano hwevanhu. Kana iwe usiri kusununguka kupa zvigetsi pamusoro pakombiyuta, Personal Capital inzvimbo yakanaka pakati. Iyo inotarisira vatengesi ne $ 100 000 kana kupfuura muzvinhu zvinotengeswa, asi mutengo wayo haisi wokukwikwidza. Vatengi vanosvika $ 1 mamiriyoni emari vanobhadhara 0.89 muzana.
Zvimwe zviripo vs. Wealthfront: Ndeipi Yakanakisisa?
Zvose Zviri nani uye Pfuma inopa zvinhu zvakakwirira, zvivimbiso zvakatendeseka zvinotungamirirwa neboka revashandi vezvemabhizimisi vachitarisa kuti vakuwane iwe zvakanakisisa kudzokera kune utsvaga. Kubva pamitero uye kusarirwa kwemitero yekurasikirwa kwemitero, chimwe nechimwe chiri nani kune chimwe chidimbu chevatengesi.
Best Robo-Advisor for Brand New Investors: Zvakanaka
Kutenda kusinganyanyi kuzarura muyero, kushandiswa kwekutsvaga kwekutsvaga kwekutsvaga, uye nhoroondo yekutungamirira mumusika wekupa mazano, Kuvandudza ndiyo ndiyo nzira yakanakisisa kune vashandi vatsva vanotarisa kuti vawane mari mumisika nechose kusina kubatanidzwa kwevanhu pasina mari yekushandisa mari yako yekutanga profile risk.
Nemhaka yokuti kurasikirwa kwemutero kukohwa kunovakwa mukati, muteresi chero ari paZvinyorwa anogona kushandisa mikana yekare yakachengeterwa varairi vepfuma zvikuru kunyange nechinguva chiduku chinotanga dendere.
Pfuma inopa vashandi rusununguko rusununguko pamapatotiyo pasi pe $ 10 000, izvo zvinovapa gumbo pamusoro pekunaka pane izvozvi; asi hapana chidimbu chekuzarura chakaitwa kuti Betterment mukundi.
Best Robo-Mupiridzi weMapurisa Anodarika $ 500: Pfuma
Kana iwe uine chikwereti che $ 100,000 kana kupfuura, Wealthfront ndiyo yakasimba zvakanyanya kupa. Kutenda kwarongwa hwayo hwekutsanangurira mutero, vatengesi vanogona kuwana muganhu pamusoro pekunaka munguva refu.
Mari iyo inenge iri pakati pekambani mbiri nokuda kwezvikwereti kubva pa $ 10 kusvika ku $ 2 mamiriyoni. Kunopfuura $ 2 Mamiriyoni, Zvakanakisa zvinodhura zvakare, asi kana iwe unogona kuwana 0.25 muzana yepabatsiro kubva pakurongedza zvakananga, iwe uchiri nani pane Wealthfront.
Kune mumwe mudyari ane mari inodarika $ 500 kuti aise muakaunti yako itsva, Wealthfront yakasununguka kusvika $ 10 000. Iwe haugoni kukunda pasina, saka Wealthfront ndiyo yakanakisisa yekusarudza kune vashandi vazhinji vanotanga nevanotengesa mazano.
Iwe Haugoni Kuenda Zvakaipa NeRbo-Advising
Zviri nani uye Pfuma yose yakaonekwa seyengozi pavakatanga kupinda mumusika anenge makore gumi apfuura. Asi mumakore kubva ipapo, mazano-robo akabuda kubva kune imwe nzvimbo kusvika kune yakawanda. Vashandi vatsva vatsva havagone kuipa kana zvimwe. Kana iwe wakamirira kuisa mari nokuti iwe hauzive kuti ndezvipi zvinokwidza kusarudza, robo-mazano vakakwana kwauri.