isikolo semfundo ethile ephakamileyoFumana iBroker yam

Ungakukhethela njani uMcebisi weRobo oLungileyo

4.1 kwi 5 iinkwenkwezi (8 iivoti)

Kwihlabathi lanamhlanje elikhawulezayo ledijithali, Abacebisi beRobo ziye zavela njengesisombululo esithandwayo nesifikelelekayo kubatyali-mali abafuna ixabiso eliphantsi, ulawulo lwepotfoliyo oluzenzekelayo. Ngamandla ka algorithm kwaye izicwangciso zedatha, Abacebisi beRobo yenza lula inkqubo yotyalo-mali, yenza kube lula kuye nabani na ukuba afezekise iinjongo zakhe zemali. Eli nqaku liphonononga izinto eziphambili ekufuneka ziqwalaselwe xa ukhetha umcebisi we-robo, indlela abathelekisa ngayo nabacebisi bemveli, kunye neengcebiso zokuqalisa ngokutyalomali oluzenzekelayo.

Abacebisi beRobo

💡 Izinto ezibalulekileyo ezithathwayo

  1. Ukusebenza kweNdleko: Abacebisi be-Robo banikezela ngeentlawulo eziphantsi kakhulu xa kuthelekiswa nabacebisi bendabuko, ngokuqhelekileyo bahlawula i-0.25% ukuya kwi-0.50% ye-asethi phantsi kolawulo, okwenza kube yinto efanelekileyo kubatyalo-mali abanomdla.
  2. Ulawulo oluzenzekelayo: Abacebisi beRobo baphatha imisebenzi ebalulekileyo efana nokulinganisa iphothifoliyo, ukulungiswa kwerhafu, kunye nolwabiwo lotyalo-mali ngokusebenzisa iinkqubo ezizenzekelayo, ukubonelela ngamava otyalo-mali owenziwe ngezandla.
  3. Iyafikeleleka kubo bonke abaTyali-mali: Ngeemfuno ezincinci zotyalo-mali eziphantsi okanye ezingabikho, abacebisi be-robo benza ukuba ulawulo lotyalo-mali lobuchwephesha lufikeleleke kubo bobabini abaqalayo kunye nabatyali-mali abanamava, kungakhathaliseki ubungakanani beakhawunti.
  4. Ukwenza umntu vs. Ukuzenzekela: Ngelixa abacebisi be-robo begqwesa kwizicwangciso zotyalo-mali oluzenzekelayo, abacebisi bemveli banikezela ngomntu, ucwangciso olubanzi lwezemali, ngakumbi kubantu abaneemfuno ezinzima zemali.
  5. Iimodeli zeHybrid: Abatyali-mali abafuna ukulingana phakathi kwe-automation kunye neengcebiso zomntu ngamnye banokukhetha i-hybrid robo-advisors, enika ukufikelela kubacebisi babantu kunye nolawulo lweepotfoliyo ezizenzekelayo.

Nangona kunjalo, umlingo ukwinkcukacha! Cazulula ama-nuances abalulekileyo kula macandelo alandelayo ... Okanye, gxuma ngqo kuthi Ii-FAQ ezipakishwe ngokuqonda!

1. Isishwankathelo seRobo-Advisors

1.1. Yintoni iRobo-Advisor?

Umcebisi we-robo yi-platform yedijithali ebonelela ngokuzenzekelayo, iinkonzo zesicwangciso sezemali eziqhutywa yi-algorithm kunye nokuncinci ukuya konganyelwe ngumntu. Ukusebenzisa i-algorithms kunye nohlalutyo lwedatha oluphezulu, abacebisi be-robo bavavanya imeko yezemali yomntu kwaye babonelele ngeepotfoliyo zotyalo-mali ezilungelelanisiweyo ezihambelana neenjongo zabo kunye. ingozi ukunyamezelana. Banikezela ngenye indlela engenamthungo nesebenzayo kubacebisi babantu bemveli ngokususa imfuno yeentlanganiso zobuso ngobuso, ukwenza lula inkqubo yotyalo-mali, kunye nokunciphisa imirhumo.

Robo-abacebisi ngokuqhelekileyo basebenzisa utshintsho-traded imali (ETFs) kunye neengxowa-mali zesalathiso njengeebhloko ezingundoqo zokwakha iipotfoliyo. Ezi zikhethwa ngokusekelwe kwizinto ezikhethwa ngumsebenzisi, ezifana nokunyamezela ingozi kunye neenjongo zotyalo-mali, ezivavanywa ngoluhlu lwemibuzo ekusekweni kweakhawunti. Ii-algorithms ke zikwabe ngokuzenzekelayo ii-asethi, uhlengahlengiso kwipotifoliyo ngamaxesha athile, kwaye uphumeze ukonga irhafu. qhinga ukwandisa imbuyekezo.

Ukunyuka kwabacebisi be-robo kunokufikelela kwidemokhrasi kulawulo lwemali yobungcali. Ngelixa bajongana kakhulu nabatyali-mali abathengisayo, nabatyali-mali abanamava ngakumbi bayazuza kwimirhumo yabo ephantsi, ukusebenziseka ngokulula, kunye neempawu zolawulo lwepotfoliyo ephucukileyo.

1.2. Iinzuzo zokusebenzisa iRobo-Advisor

Abacebisi beRobo banikezela ngezibonelelo ezininzi eziphambili ezibenza babe lukhetho olunomtsalane kubatyali-mali kumanqanaba ahlukeneyo amava. Ezi ntengisovantages ubukhulu becala zijikeleza kwi-automation, ukufikeleleka, kunye nokufikeleleka.

Ukusebenza kweNdleko

Enye yeenzuzo eziphawulekayo zokusebenzisa i-robo-advisor yindleko efanelekileyo. Abacebisi bezemali bemveli badla ngokubiza phakathi kwe-1% kunye ne-2% yetotali yee-asethi eziphantsi kolawulo (AUM). Ngokwahlukileyo, abacebisi be-robo ngokuqhelekileyo bahlawulisa inxalenye yale nto, ukusuka kwi-0.25% ukuya kwi-0.50% ye-AUM. Olu luhlu lwentlawulo lunokubangela ukongiwa kweendleko ezibalulekileyo, ngakumbi kubatyali-mali abaneepotfoliyo ezincinci okanye abo bafuna ukukhula kwexesha elide ngaphandle kweentlawulo eziphezulu zokucebisa.

Ukufikeleleka kunye neeMfuno eziphantsi

Abacebisi beRobo bafikeleleka kakhulu, bahlala bevumela abasebenzisi ukuba baqale ngemilinganiselo ephantsi yotyalo-mali. Amanye amaqonga ade abonelele ngeemfuno zotyalo-mali, nto leyo eyenza ukuba abantu abanemali enyiniweyo baqalise ukutyala imali. Le nkqubo yedemokhrasi yeenkonzo zezimali ixhobise inani elibanzi labatyali-mali, kubandakanywa nabo basenokungakwazi ukufikelela kwiingcebiso zezemali zemveli ngenxa yeendleko okanye ubutyebi.

Ukuzenzekela kunye nokuLula

Abacebisi beRobo baphatha yonke inkqubo yolawulo lweepotfoliyo, ukusuka ekudaleni isicwangciso sokuqala sotyalo-mali ukulungelelanisa ngokuzenzekelayo ipotifoliyo njengoko iimeko zemarike zitshintsha. Le ndlela yokuphelisa izandla yenza utyalo-mali lube lula kubasebenzisi abangenalo ixesha, ubuchule, okanye umdla wokulawula utyalo-mali lwabo ngokusebenzayo. I-automation ikwanciphisa ukubakho kwezigqibo zovakalelo okanye ezingxamisekileyo, ezinjengokuthengisa ngoloyiko ngexesha lokuhla kweemarike, ezinokuchaphazela kakubi imbuyekezo.

Ukwahluka kunye noLawulo loMngcipheko

Abacebisi beRobo bagxininisa ulwahlulo njengomgaqo ongundoqo wezicwangciso zabo zotyalo-mali. Uninzi lwamaqonga lusasaza utyalo-mali kwiindidi ezahlukeneyo zee-asethi, ezifana esitokisini, amabhondi, yaye izindlu ezithengiswayo, iqinisekisa ukuba iipotfoliyo zilungelelaniswe kakuhle kwaye zixhathisa kuguquguquka kwayo nayiphi na i-asethi enye okanye icandelo. Oku kwantlukwano, kudityaniswe nokulungelelanisa rhoqo, kunceda abatyali-mali balawule umngcipheko ngelixa besebenzela kwiinjongo zabo zezimali zexesha elide.

Iimpawu zokuSebenzisa iRhafu

Uninzi lwabacebisi be-robo banikezela ngezicwangciso eziphambili zogcino lwerhafu, njengokuvunwa kwelahleko yerhafu, okubandakanya ukuthengisa utyalo-mali olulahlekileyo ukuphelisa iinzuzo ezirhafiswayo. Ngokunciphisa umthwalo werhafu, abacebisi be-robo bancedisa ukunyusa imbuyekezo yerhafu emva kwerhafu, okwenza ukuba babe nomtsalane ngakumbi kubatyali-mali abafuna ukwandisa iiphothifoliyo zabo ngokufanelekileyo kwerhafu.

Abacebisi beRobo

umba Inkcazo
inkcazelo Iiplatifti ezizenzekelayo zisebenzisa i-algorithms ukulawula iiphothifoliyo ezisekelwe kwiinjongo zabasebenzisi.
Ukusebenza kweNdleko Ngokuqhelekileyo imirhumo ephantsi (0.25% -0.50% ye-AUM) xa kuthelekiswa nabacebisi bemveli (1% -2%).
Ufikelelo Iimfuno zotyalo-mali eziphantsi okanye azikho zincinci, zizenza zifikeleleke kubo bonke abatyali-mali.
into yokuZenzekelayo Ulawulo lwepotfoliyo oluzenzekelayo kunye nokulungelelaniswa kwakhona, ukuqinisekisa ukuba lula kunye nokulula ukusetyenziswa.
ukohlulwa Iipotifoliyo zahlukene kwiindidi ze-asethi, ukunciphisa umngcipheko kunye nokuguquguquka.
UPhuculo lweRhafu Iimpawu ezifana nokuvuna ilahleko yerhafu zinceda ekunciphiseni iinzuzo ezirhafiswayo kwaye ziphucule imbuyekezo yasemva kwerhafu.

2. Ukuqonda iinjongo zakho zezeMali kunye noNyamezelo loMngcipheko

2.1. Chaza iiNjongo zakho zeMali

Ukumisela iinjongo zemali ezicacileyo kubalulekile kutyalo-mali oluyimpumelelo, kwaye abacebisi be-robo baqala ngokucela abasebenzisi ukuba bachaze ezi njongo. Usukelo lwemali lunokwahluka ngokubanzi kwaye lunokubandakanya iinjongo zexeshana elifutshane njengokugcina intlawulo ephantsi kwikhaya, iinjongo zexesha eliphakathi ezifana nokuxhasa ngemali umntwana. imfundo, okanye iinjongo zexesha elide njengokucwangcisa umhlalaphantsi.

Nganye kwezi njongo ziya kuba nefuthe kuhlobo lwepotfoliyo ecetyisiweyo yi-robo-advisor. Umzekelo, usukelo lomhlalaphantsi olunexesha elide lotyalo-mali lunokuthethelela ipotfoliyo enobundlongondlongo ngesabelo esiphezulu esibhekiselele kwizabelo zamashishini ezingenanzala emisiweyo. Ngokuchaseneyo noko, ukuba injongo kukugcina intengo enkulu kwixesha elikufutshane, ulwabiwo olunokugcinwa ngakumbi, kunye nomlinganiselo omkhulu weebhondi okanye izinto ezilingana nemali, zinokucetyiswa ukugcina inkunzi.

Ukukwazi ukuseta iinjongo ezininzi ngaphakathi kweqonga lomcebisi we-robo, nganye ineyakhe qhinga, luphawu olunomtsalane kubantu abafuna ukulungelelanisa iinjongo ezahlukeneyo ngaxeshanye. Ii-algorithms zeqonga zilungelelanisa ulwabiwo lwe-asethi ngokusekelwe kwixesha kunye nokubaluleka kwenjongo nganye, ukuqinisekisa ukuba utyalo-mali lwakho luhambelana nesicwangciso sakho semali iyonke.

2.2. Vavanya uNyamezelo lwakho loMngcipheko

Ukuqonda ukunyamezela kwakho umngcipheko lelinye inyathelo elisisiseko ekudaleni isicwangciso esisebenzayo sotyalo-mali. Ukunyamezela umngcipheko kubhekiselele ekubeni ungakanani umngcipheko ozimiseleyo nokwaziyo ukuwunyamezela kutyalo-mali lwakho, kwaye kudla ngokubunjwa zizinto ezifana nobudala, umvuzo, izibophelelo zemali, kunye nobushushu bomphefumlo.

Abacebisi beRobo bavavanya unyamezelo lomngcipheko ngothotho lwemibuzo eyenzelwe ukulinganisa inqanaba lakho lokuthuthuzela. okungazinzi kweemalike. Umzekelo, ungasabela njani ukuba ipotifoliyo yakho ilahlekelwe yi-10% yexabiso layo ngexesha elifutshane? Ngaba ungahlala utyale imali, uthengise ukunqanda ilahleko eyongezelelekileyo, okanye utyale imali eninzi? Iimpendulo zakho kule mibuzo zinceda iqonga ukuba limisele iprofayile yakho yomngcipheko, likwahlula njengomntu ogcinayo, ophakathi, okanye ndlongo.

Umtyalo-mali olondolozayo unokubeka phambili ukhuseleko kwaye akhethe iphothifoliyo enzima kwiibhondi okanye ezinye izinto ezinobungozi obuphantsi, ngelixa umtyalo-mali onobudlova unokufuna imbuyekezo ephezulu kwaye azimisele ngakumbi ukutyalomali kwii-stocks okanye kwii-asethi ezijoliswe ekukhuleni nangona kunokwenzeka ukuba kungabikho ukuguquguquka. Iqonga lize lihlengahlengise ulwabiwo lwepotfoliyo yakho ukuze lungqinelane nokunyamezela kwakho umngcipheko, ukulungelelanisa imbuyekezo enokubakho kunye nenqanaba lomngcipheko okhululekileyo kuwo.

2.3. Iinjongo zakho kunye noNyamezelo loMngcipheko luyakuchaphazela ukhetho lwakho lomcebisi weRobo

Iinjongo zakho zemali kunye nokunyamezela umngcipheko kuchaphazela ngokuthe ngqo ukuba yeyiphi i-robo-advisor platform efanelekileyo kakhulu kuwe. Amanye amaqonga enzelwe abatyali-mali bexesha elide, anikezela ngeepotfoliyo ezinobundlobongela ngakumbi kwabo banonyamezelo oluphezulu lomngcipheko. Abanye banokubonelela abatyali-mali abangoongabo ababeka phambili ukugcinwa kwenkunzi, enikezela ngokhuseleko, utyalo-mali olunomngcipheko osezantsi njengebhondi kunye nezabelo ezihlawula izabelo.

Ngokomzekelo, ukuba injongo yakho ephambili kukulondoloza umhlalaphantsi kunye nexesha elide, umcebisi we-robo ojongene nokucwangcisa umhlalaphantsi osebenzayo kunye nezicwangciso zokukhula kwexesha elide kuya kuba yinto efanelekileyo. Kwelinye icala, ukuba ulondolozela ukuthenga ikhaya kwiminyaka emihlanu ezayo, iqonga eligxininisa umngcipheko ophantsi, utyalo-mali oluzinzileyo lunokuba lufanelekile.

Ukongezelela, abacebisi be-robo ababonelela ngeendlela ezinokwenziwa ngokwezifiso banokubhenela kubatyalo-mali abaneenjongo ezininzi kunye namanqanaba ahlukeneyo okunyamezela umngcipheko ngamnye. Ukuba bhetyebhetye ukwenza ipotfoliyo yakho ihambelane nenjongo yomntu ngamnye iqinisekisa ukuba isicwangciso sakho sotyalo-mali sihambelana nemeko yakho yemali eyodwa.

Ukuqonda abacebisi beRobo

umba Inkcazo
Iinjongo zezemali Iinjongo ezifana nomhlalaphantsi, imfundo, okanye ukuthenga ikhaya kubumba isicwangciso sotyalo-mali.
Ukunyamezelana nomngcipheko Ichaza ukuba ungakanani umngcipheko okhululekile kuwo, isikhokelo sokwabiwa kwe-asethi yepotfoliyo.
Impembelelo kwiRobo-Advisor Choice Iinjongo zemali kunye nokunyamezela umngcipheko kunceda ukumisela iqonga elifanelekileyo kunye nesicwangciso sotyalo-mali.

3. Imiba ephambili ekufuneka iqwalaselwe xa ukhetha iRobo-Advisor

Xa ukhetha umcebisi we-robo, kubalulekile ukuba ulinganise izinto ezahlukeneyo ukuqinisekisa ukuba iqonga lihambelana neenjongo zakho zemali, ukunyamezela umngcipheko, kunye nesicwangciso sotyalo-mali ngokubanzi. Umcebisi ngamnye we-robo unamandla, ngoko ukuqonda oko kubaluleke kakhulu kuwe kuya kunceda ukunciphisa ukhetho lwakho. Imiba ephambili ibandakanya imirhumo, ubuncinci botyalo-mali, izicwangciso zolawulo lwepotfoliyo, ukulungiswa kwerhafu, inkonzo yabathengi, ukhuseleko, kunye neempawu ezongezelelweyo ezifana utyalo-mali olunoxanduva loluntu okanye iinketho zamazwe ngamazwe. Ezi zinto ziya kuchaphazela ngokuthe ngqo amava akho otyalo-mali, iindleko, kunye neziphumo zexesha elide.

3.1. Imali

Imirhumo yenye yezona zinto zibalulekileyo ekufuneka ziqwalaselwe xa ukhetha umcebisi we-robo, njengoko zinokuchaphazela kakhulu imbuyekezo yakho yonke. Nokuba umahluko obonakala umncinci kwimirhumo unokudityaniswa ngokuhamba kwexesha kwaye unciphise ixabiso lepotfoliyo yakho, nto leyo eyenza ukuba kubaluleke ukuqonda ngokupheleleyo ubume bemirhumo yeqonga ngalinye.

3.1.1. Iintlobo zeMirhumo

Uninzi lwabacebisi be-robo bahlawula umrhumo wokulawula, oqhelekileyo ipesenti encinci yempahla yakho yonke phantsi kolawulo (AUM). Lo mrhumo usuka kwi-0.25% ukuya kwi-0.50%, engaphantsi kakhulu kune-1% ukuya kwi-2% ehlawuliswa ngabacebisi bezemali bemveli. Nangona kunjalo, kubalulekile ukugrumba nzulu kwaye uqonde nayiphi na imali eyongezelelweyo engaphaya komrhumo wolawulo.

Eminye imirhumo enokubakho ibandakanya iimali zeakhawunti kunye neemali zokuthengiselana. Imirhumo ye-akhawunti inokuhlawulela ukugcinwa kwe-akhawunti, ukudluliselwa ngefowuni, okanye iingxelo zephepha. Imirhumo yentengiselwano, nangona inqabile kuninzi lwabacebisi be-robo, inokusetyenziswa kwizinto ezithile tradeokanye iitransekshini ngaphakathi kwipotfoliyo. Kubalulekile ukucacisa ezi ndleko njengoko zinokuthi ngamanye amaxesha zidibanise, ngakumbi kubatyali-mali abenza uhlengahlengiso rhoqo kwiiakhawunti zabo.

3.1.2. Njani Imirhumo Ukuthelekisa nabaCebisi beMveli

Xa kuthelekiswa nabacebisi bezemali bemveli, abacebisi be-robo banikezela ngenketho ebiza kakhulu. Abacebisi bemveli babiza ipesenti ephezulu ye-AUM, enokuba ngumthwalo obalulekileyo, ngakumbi kwiipotfoliyo ezincinci. Ngokomzekelo, umcebisi wendabuko ohlawula i-1% kwi-potfoliyo ye-$ 100,000 iya kubiza i-$ 1,000 ngonyaka, ngelixa umcebisi we-robo kunye ne-0.25% yemali iya kuhlawulisa i-$ 250 kwi-portfolio efanayo.

Iindleko ezincitshisiweyo ziyisizathu esibalulekileyo sokuba abacebisi be-robo bakhule ekuthandeni, ngokukodwa phakathi kwabatyalo-mali abaneepotfoliyo ezincinci abangenayo imali eyaneleyo yokuqinisekisa iintlawulo zomcebisi womntu. Abacebisi be-Robo baphinde basuse iifizi ezifihliweyo, banike umfanekiso ocacileyo weendleko ezipheleleyo ezinxulumene nokulawula utyalo-mali lwakho.

3.1.3. Umrhumo wokuNgafihlisi

Enye yeentengiso ezinkuluvantages of robo-abacebisi kukuzibophelela kwabo kwintlawulo elubala. Ngokungafani nabacebisi bendabuko, abanokuthi babe nezakhiwo zentlawulo eziyinkimbinkimbi ezibandakanya iikhomishini okanye iindleko ezifihliweyo, abacebisi be-robo ngokuqhelekileyo bahamba phambili malunga neentlawulo zabo. Uninzi lwamaqonga luchaza ngokucacileyo ipesenti ye-AUM ehlawuliswayo kunye nayiphi na imali eyongezelelweyo, evumela abatyali-mali ukuba bathelekise iinketho ngokulula kwaye baphephe iindleko ezingalindelekanga.

Oku kungafihlwa kwenza lula inkqubo yokwenziwa kwezigqibo kwaye kunceda abatyali-zimali benze ukhetho olunolwazi malunga neqonga eliya kulungela iimfuno zabo zemali. Abacebisi beRobo, ngokubanzi, banikezela ngemodeli yexabiso elithe ngqo, okwenza kube lula ukuqonda oko uhlawulayo.

3.2. Ubuncinci boTyalo-mali

Ubuncinci botyalo-mali lolunye uqwalaselo oluphambili xa ukhetha umcebisi we-robo, ngakumbi kubatyali-mali abatsha okanye abo banemali encinci. Ubuncinci bemali efunekayo ukuvula i-akhawunti okanye ukuqala ukutyala imali iyahluka kakhulu phakathi kwamaqonga, kwaye ukuqonda le miqobo kubalulekile ekufumaneni iqonga elihambelana nemeko yakho yezemali.

3.2.1. Ubuncinci beeMfuno zoTyalo-mali

Abacebisi beRobo bahluke kwiimfuno zabo ezincinci zotyalo-mali, kunye namanye amaqonga afuna ubuncinci konke konke, ngelixa abanye banokucela idiphozithi yokuqala ukusuka kumakhulu ambalwa ukuya kumawaka aliqela eedola. Umzekelo, amaqonga afana neNgcono kunye neWealthfront aqhele ukubanobuncinci obuphantsi okanye angabikho, abenze bafikeleleke kuluhlu olubanzi lwabatyali-mali. Kwelinye icala, abacebisi abathile be-robo ababonelela abantu abanexabiso eliphezulu banokufuna ubuncinci be-10,000 yeedola okanye ngaphezulu ukuze uqalise.

Ukuba uqala nje uhambo lwakho lotyalo-mali okanye unemali elinganiselweyo, ukukhetha umcebisi we-robo kunye neencinci eziphantsi okanye ezingenazo ziya kukuvumela ukuba uqale ukutyalomali ngaphandle koxinzelelo lokuhlangabezana nomda ophezulu. Oku kwenza kube lula kumntu ngamnye ukuba athi nkxu iinzwane zakhe kwihlabathi lotyalo-mali kwaye ngokuthe ngcembe bakhe iiphothifoliyo zabo ngokuhamba kwexesha.

3.2.2. Ukhetho lwabaTyali-mali abaNgena Ngeniso

Kubantu abanomvuzo ophantsi okanye ugcino olulinganiselweyo, abacebisi be-robo abanobuncinci botyalo-mali obuncinci babonelela ngethuba lokuqala utyalo-mali ngokukhawuleza kunokuba kamva. Oku kufikeleleka ngenye yezinto ezichazayo ze-robo-abacebisi, ukuvumela abatyali-mali abatsha ukuba bakhulise ubutyebi babo ngokuthe ngcembe. Ezinye iiplatifomu nazo zibonelela ngeempawu ezifana neminikelo ezenzekelayo, evumela abatyali-mali ukuba babeke iidiphozithi eziqhelekileyo (nokuba zincinci) kwiiakhawunti zabo. Oku kwenza kube lula ukwakha ubutyebi ngokuhamba kwexesha, nokuba uqala ngesixa esincinci.

Abacebisi abathile be-robo, njenge-Acorns, benzelwe ngokukodwa abatyali-mali abafuna ukuqala ngeemali ezincinci. I-Acorns iqokelela izinto ozithenga mihla le kwaye itsale imali kwinguqu esecaleni, iyenza ilungele abo bafuna ukwenza lula ukutyala imali ngaphandle kotyalo-mali olukhulu lwangaphambili.

3.3. Ulawulo lwePotfoliyo

Ulawulo lwePotfoliyo lusembindini wonikezelo lwenkonzo yomcebisi we-robo. Indlela i-robo-advisor ilawula ngayo iphothifoliyo yakho-ngokwabiwa kwe-asethi, ukuhlukahluka, kunye nokulungelelanisa-kunokuchaphazela kakhulu imbuyekezo yakho yotyalo-mali kunye nokuvezwa komngcipheko. Ukuqonda indlela iqonga ngalinye elilawula ngayo iipotfoliyo kubalulekile ekwenzeni ukhetho olufanelekileyo kwiinjongo zakho zemali kunye nokunyamezela umngcipheko.

3.3.1. Izicwangciso-qhinga zoTyalo-mali (I-Passive vs. Active)

Abacebisi beRobo ngokubanzi balandela enye yeendlela ezimbini zotyalo-mali ezibanzi: i-passive okanye esebenzayo. Uninzi lwabacebisi be-robo basebenzisa amaqhinga otyalo-mali, ajolise ekulandeleni izalathisi zentengiso kunokuzama ukuzigqitha. Utyalo-mali olungenamsebenzi lubandakanya ukwakha iphothifoliyo ebonisa ukusebenza kwee-indices ezinkulu zemarike, njenge-S & P 500, kwaye ihlala ibonwa njengeyona ndlela isebenzayo, isicwangciso sexesha elide. Esi sicwangciso sinciphisa urhwebo kwaye, ngenxa yoko, kunciphisa iindleko zentengiselwano kunye neerhafu.

Amanye amaqonga, nangona kunjalo, anika indlela esebenzayo ngakumbi. Amaqhinga asebenzayo abandakanya ukuthenga rhoqo kunye nokuthengiswa kwe-asethi ngeenzame zokugqwesa imarike. Ezi zicwangciso zihlala ziza nemirhumo ephezulu kunye nomngcipheko omkhulu, njengoko kungekho siqinisekiso sokubetha rhoqo imbuyekezo yemarike. Abatyalomali abakhululekile ngokuguquguquka okuphezulu kwaye bafuna imbuyekezo enokubakho enkulu banokukhetha abacebisi be-robo ababonelela ngeendlela zolawulo olusebenzayo.

3.3.2. Ukwahluka kwePotfoliyo

Ukwahlukahlukana kungumgaqo ophambili kulawulo lweepotfoliyo, kwaye abacebisi be-robo bayisebenzisela ukusasaza umngcipheko kwiiklasi ezahlukeneyo ze-asethi. Uninzi lwabacebisi be-robo babela ngokuzenzekelayo utyalo-mali lwakho kumxube we-stocks, iibhondi, indawo yokuhlala, kunye ne-asethi ngamanye amaxesha, kuxhomekeke kukunyamezela kwakho umngcipheko kunye neenjongo zemali. Ipotfoliyo eyohlukeneyo inceda ekunciphiseni impembelelo yokuguquguquka kweemarike, njengoko ilahleko kudidi olunye lwe-asethi inokupheliswa ngokuzuzwa kolunye.

Izicwangciso zokwahlukana ezisetyenziswe ngabacebisi be-robo ziqinisekisa ukuba iipotfoliyo zabatyali-mali zihlala zilungelelene kwaye zihambelana neeprofayili zabo zomngcipheko. Ngokomzekelo, umtyalo-mali olondolozayo unokuba nepotifoliyo enzima kakhulu kwiibhondi, ngelixa umtyalo-mali onobudlova unokuba nepotifoliyo ethambekele kwi-equity.

3.3.3. Ukubuyisela Ukulinganisa Ngokuphindaphindiweyo

Enye yezona zinto zibaluleke kakhulu zabacebisi be-robo yi-portfolio ezenzekelayo yokulinganisa kwakhona. Ngokuhamba kwexesha, njengoko ixabiso lee-asethi ezahlukeneyo kwipotifoliyo yakho litshintsha, ulwabiwo lwe-asethi yoqobo lusenokuphambuka. Oku kunokukubeka kwimingcipheko engalindelekanga ukuba, umzekelo, izitokhwe zigqithise iibhondi kwaye zenze inxalenye enkulu yepotfoliyo yakho kunokuba bekucetywayo. Ukuhlengahlengisa kuqinisekisa ukuba ipotifoliyo yakho ihlala ihambelana nokunyamezela kwakho umngcipheko kunye neenjongo zezimali ngokuthengisa ii-asethi ezisebenza ngokugqithisileyo ngamaxesha athile kwaye uthenge ezo zingasebenzi kakuhle.

Abacebisi beRobo bayahluka kwi-rebalancing frequency, kunye namanye amaqonga ahlengahlengisa ngekota, ngonyaka, okanye nangaphezulu ngokuxhomekeke kwiimeko zentengiso. Le nkqubo yenziwa ngokuzenzekelayo, igcina ixesha kunye nomzamo wokulungelelanisa ipotifoliyo yakho.

3.4. UPhuculo lweRhafu

Ukulungiswa kwerhafu luphawu oluphambili olunikezwa ngabacebisi abaninzi be-robo, ngakumbi kubatyali-mali abafuna ukwandisa imbuyekezo yerhafu. Ngelixa ukuhlawula irhafu kungenakuphepheka, ukusebenzisa izicwangciso zokunciphisa amatyala erhafu kunokuphucula ukusebenza kwepotfoliyo iyonke. Abacebisi beRobo basebenzisa i-algorithms ukuphumeza izicwangciso ezisebenzayo zerhafu ezinceda ukunciphisa umthwalo werhafu yomtyali-mali ekuhambeni kwexesha.

3.4.1. Ukuvunwa kweRhafu-Ilahleko

Esinye sezixhobo ezixabisekileyo zokuphucula irhafu ezibonelelwa ngabacebisi abaninzi be-robo kukuvuna ilahleko yerhafu. Ukuvunwa kwelahleko yerhafu sisicwangciso esibandakanya ukuthengisa utyalo-mali oluphulukene nexabiso ukuze kuhlaziywe iinzuzo ezinkulu kolunye utyalo-mali olunenzuzo. Iqonga liya kuthi ke liphinde lityale ingeniso kwii-asethi ezifanayo kodwa ezingafaniyo ukugcina ukwahlukana kwepotfoliyo ngelixa kuncitshiswa irhafu.

Le nkqubo inceda ekunciphiseni ingeniso erhafiswayo, enokuba luncedo ngakumbi kubatyali-mali abanengeniso ephezulu okanye abo bakwizibiyeli zerhafu ephezulu. Ukuvunwa kwelahleko yerhafu kudla ngokuzenzekela kumaqonga omcebisi we-robo, ukuqinisekisa ukuba le nzuzo yandiswa ngaphandle kokufuna ungenelelo olwenziwa ngumtyali-mali. Abanye abacebisi be-robo banikezela ngeli nqaku njengenxalenye yenkonzo yabo eqhelekileyo, ngelixa abanye banokugcinela abathengi abaphezulu okanye ii-akhawunti ezineebhalansi ezithile.

3.4.2. Amaqhinga oTyalo-mali ngokuSebenza ngeRhafu

Ukongeza ekuvuneni ilahleko yerhafu, abaninzi abacebisi be-robo basebenzisa iindlela zotyalo-mali ezisebenza ngerhafu eziqwalasela iintlobo ze-asethi ezibanjelwe kunye nalapho zikhoyo. Ngokomzekelo, umcebisi we-robo unokubeka utyalo-mali olusebenzayo lwerhafu, olufana neemali zesalathisi okanye iibhondi zikamasipala, kwii-akhawunti ezihlawulelwa irhafu ngelixa ii-asethi ezingasebenzi kakuhle irhafu, ezifana ne-real estate investment trust (REITs), zibekwe kwintengiso yerhafu.vantaged akhawunti njenge IRAs okanye 401(k)s.

Esi sicwangciso solwabiwo sinceda ukunciphisa ifuthe lerhafu kwimbuyekezo yakho yotyalo-mali ngokuqinisekisa ukuba ezona asethi zinovakalelo lwerhafu zikhuselwe kwii-akhawunti apho irhafu irhoxiswa. Abacebisi beRobo nabo bakhulisa ulandelelwano apho ii-asethi zithengiswa ukunciphisa inzuzo eyinkunzi, ngakumbi ukuphucula ukusebenza kakuhle kwerhafu kwipotfoliyo yakho ngokuhamba kwexesha.

3.5. Inkonzo yomthengi

Ngelixa abacebisi be-robo ngokuyinhloko iiplatifomu ezizenzekelayo, inkonzo yabathengi ihlala iyinkalo ebalulekileyo yamava omsebenzisi jikelele. Abatyali mali ngamanye amaxesha banokufuna uncedo lokuhamba ngeqonga, ukuqonda indlela ipotifoliyo yabo elawulwa ngayo, okanye ukusombulula imiba yobugcisa. Ukufumaneka kunye nomgangatho wenkxaso yabathengi kunokuhluka ngokubanzi phakathi kwamaqonga, kwaye kubalulekile ukukhetha umcebisi we-robo obonelela ngenqanaba elifanelekileyo loncedo kwiimfuno zakho.

3.5.1. Ubukho beNkxaso yoMthengi

Abacebisi be-robo abahlukeneyo banikezela ngamanqanaba ahlukeneyo okufumaneka kwenkonzo yabathengi. Amanye amaqonga abonelela ngenkxaso ye-24/7 yabathengi ngefowuni, i-imeyile, okanye ingxoxo ephilayo, eqinisekisa ukuba abatyali-mali banokufumana uncedo nanini na xa belufuna. Abanye banokunikezela ngeeyure ezilinganiselweyo okanye inkxaso kuphela nge-imeyile okanye iifom ze-intanethi.

Kubatyali-mali abaxabisa uncedo lwexesha lokwenyani okanye balindele ukufuna uncedo rhoqo, ukukhetha iqonga elinokhetho olomeleleyo lwenkonzo yabathengi kubalulekile. Abanye abacebisi be-robo bade banikeze ukufikelela kubacebisi babantu njengenxalenye yenkxaso yabo yabathengi, ukubonelela ngoncedo lomntu siqu xa kuyimfuneko. Nangona kunjalo, oku kunokuza ngeendleko ezongezelelweyo okanye kufumaneke kuphela kubathengi abakumgangatho ophezulu.

3.5.2. Umgangatho weNkonzo yabaThengi

Umgangatho wenkonzo yabathengi ubaluleke kakhulu njengokufumaneka kwayo. Umcebisi we-robo obonelela ngokukhawuleza, ngokuchanekileyo, kunye neempendulo ezinolwazi kwimibuzo unokuphucula kakhulu amava omsebenzisi jikelele. Kwamanye amaqonga, abameli benkonzo yabathengi bazi kakuhle kwimiba yobugcisa kunye nezihloko zemali, banikela ngeengcebiso eziluncedo kunye nokusombulula iingxaki ngokufanelekileyo.

Abatyalomali kufuneka baqwalasele nodumo lomcebisi we-robo ngokubhekiselele kwinkonzo yabathengi. Umsebenzisi ofundayo ncomo kwaye ukuqwalasela ukulinganiswa komntu wesithathu kunokubonelela ngengqiqo malunga nendlela iqonga elixhasa ngayo abathengi balo. Iqela eliqinileyo lenkonzo yabathengi linokubaluleka ekusombululeni imiba enxulumene nokuseta iakhawunti, ulawulo lwepotfoliyo, okanye iinkxalabo zokhuseleko.

3.5.3. Ukufikeleleka koLwazi kunye neZibonelelo

Abacebisi beRobo bahluke kwinqanaba lezibonelelo zemfundo kunye nolwazi abalunika abasebenzisi. Amanye amaqonga abonelela ngeelayibrari ezibanzi zamanqaku, iividiyo, izifundo, kunye neewebinars ezinceda abatyali-mali baqonde iimarike zemali, iindlela zotyalo-mali, kunye neempawu zeqonga. Ezi zixhobo zinokuba luncedo ngakumbi kubatyali-mali abatsha abafuna ukufunda ngakumbi malunga nokulawula iimali zabo.

Amanye amaqonga anokubonelela ngemathiriyeli yokufundisa embalwa, egxile ngakumbi kwi-automation kwaye incinci ekufundiseni umsebenzisi. Ukufikeleleka kunye nomgangatho wezi zibonelelo ungenza umahluko kwindlela umtyali-mali ozithembileyo nonolwazi ngayo malunga nezigqibo zakhe zemali.

3.6. Khu seleko

Ukunikezelwa kobume beenkcukacha zezemali, ukhuseleko luyiyona nto iphambili kuyo nayiphi na i-robo-advisor. Ngokuxhaphaka kokuxhaphaka kohlaselo lwe-cyber kunye nobuqhophololo, abatyali-mali bafuna isiqinisekiso sokuba idatha yabo yobuqu neyemali ikhuselwe. Abacebisi beRobo basebenzisa amanyathelo okhuseleko oluphambili ukuqinisekisa ukuba iiplatifomu zabo zikhuselekile kwaye zithembekile kubasebenzisi.

3.6.1. Imilinganiselo yoKhuseleko lweDatha

Uninzi lwabacebisi be-robo abahloniphekileyo basebenzisa imilinganiselo yokhuseleko olungqongqo, kubandakanywa ukufihla, iiseva ezikhuselekileyo, kunye nokuqinisekiswa kwezinto ezimbini (2FA), ukukhusela idatha yomsebenzisi. Uguqulelo oluntsonkothileyo luqinisekisa ukuba idatha etshintshiweyo phakathi komsebenzisi kunye neqonga ayifundeki ngabantu besithathu abangagunyaziswanga. Uqinisekiso lwezinto ezimbini zongeza umaleko owongezelelweyo wokhuseleko, ofuna abasebenzisi baqinisekise ubuni babo ngendlela yesibini (efana nomyalezo obhaliweyo okanye iapp yokuqinisekisa) phambi kokufikelela kwiakhawunti yabo.

Ngaphandle kwala manyathelo okhuseleko asemgangathweni, abaninzi abacebisi be-robo nabo bathobela imigaqo yoshishino kwaye baphononongwa rhoqo ukuqinisekisa ukuba iinkqubo zabo zihlala zikhuselekile. Oku kuthotyelwa kwemigangatho yolawulo lwezemali, njengaleyo ibekwe yiKhomishoni yezoKhuseleko kunye noTshintshiselwano (SEC) e-US, yongeza uluhlu olongezelelweyo lokuthembela kubatyalo-mali.

3.6.2. Ukukhuselwa kuBuqhophololo kunye noHlaselo lwe-Cyberate

Ukongeza kumanyathelo okhuseleko lwedatha, abacebisi be-robo bahlala bebonelela nge-inshurensi malunga nobuqhetseba okanye ukuphulwa. Amaqonga amaninzi aneenkqubo zokubona ubuqhetseba endaweni ebeka iliso kwimisebenzi engaqhelekanga, njengokufikelela kwiakhawunti engagunyaziswanga okanye ukuthengiselana okukrokrisayo, kwaye kuya kuthatha amanyathelo okukhusela umsebenzisi ngokuvala i-akhawunti okanye ukwazisa umthengi.

Abanye abacebisi be-robo nabo banikezela ngemigaqo-nkqubo ye-inshurensi ekhusela abatyali-mali xa kukho ubuqhetseba okanye ukuphulwa kwe-cybersecurity, ukuqinisekisa ukuba abasebenzisi abanabo uxanduva lwemali kuyo nayiphi na ilahleko eyenziwa ngenxa yokukhwabanisa okanye umsebenzi ongagunyaziswanga. Ukujonga inqanaba lokukhuselwa kobuqhetseba kunye ne-inshurensi enikezelwa yiqonga kubalulekile kubatyalo-mali abanenkxalabo malunga nokhuseleko lweeakhawunti zabo.

3.7. Iimpawu ezongezelelweyo

Abacebisi abaninzi be-robo banikezela ngeempawu ezongezelelweyo eziphucula amava otyalo-mali kwaye banike izisombululo ezilungiselelwe ngakumbi kubasebenzisi. Ezi mpawu zinokubhenela kubatyali-mali abaneenjongo ezithile okanye izinto abazikhethayo, ezinjengotyalo-mali olunenkathalo ngokwentlalo okanye ukwahluka kwamazwe ngamazwe.

3.7.1. IiKhetho zoTyalo mali ezinoxanduva loluntu

Utyalo-mali olunoxanduva loluntu (SRI) lukhule ekuthandeni njengoko abatyali-mali abaninzi befuna ukulungelelanisa iipotfoliyo zabo kunye nexabiso labo lobuqu. Abacebisi beRobo ababonelela ngeenketho ze-SRI bavumela abatyali-mali ukuba bagxile kwiinkampani kunye namashishini ahlangabezana neendlela ezithile zokusingqongileyo, ezentlalo, okanye zolawulo (ESG). Ezi potfoliyo zikholisa ukukhuphela ngaphandle amacandelo afana namafutha efosili, icuba, okanye izixhobo, ngelixa kubandakanya iinkampani ezibeka phambili uzinzo, izenzo zeshishini ezisesikweni, kunye noxanduva loluntu.

Iipotifoliyo ze-SRI zenza abatyali-zimali baxhase oonobangela abakholelwa kuzo ngelixa belandela iinjongo zabo zemali. Abanye abacebisi be-robo babonelela ngeendlela zokwenza ngokwezifiso, ukuvumela abasebenzisi ukuba balungelelanise iiphothifoliyo zabo ukubeka phambili izizathu ezithile, ezifana nokuzinza kwendalo okanye ukulingana ngokwesini.

3.7.2. Izakhono zoTyalo-mali zamazwe ngamazwe

Kubatyali-mali abafuna ukuvezwa kwihlabathi liphela, utyalo-mali lwamazwe ngamazwe luphawu olubalulekileyo. Abacebisi beRobo ababonelela ngeendlela zotyalo-mali kumazwe ngamazwe bavumela abasebenzisi ukuba baguqule iipotfoliyo zabo ngaphaya kweemarike zasekhaya, ukubonelela ngokutyhileka kuqoqosho olwahlukeneyo kunye nemimandla.

Utyalo-mali lwamazwe ngamazwe lunokunceda ukuthomalalisa imingcipheko eyayanyaniswa nokuhla kweemalike zengingqi ngelixa linikezela ngamathuba okukhula kwiimarike ezikhulayo. Uninzi lwabacebisi be-robo banikezela ngee-ETF zehlabathi okanye funds mutual evumela abasebenzisi ukuba batyale imali kuluhlu olubanzi lwee-asethi zamazwe ngamazwe, ukunceda ukulingana umngcipheko kunye nomvuzo kwimimandla yejografi.

3.7.3. Izixhobo zoCwangciso eziSekwe kwiNjongo

Izixhobo zokucwangcisa ezisekelwe kwiinjongo enye into ebalulekileyo enikezelwa ngabacebisi abaninzi be-robo. Ezi zixhobo zivumela abasebenzisi ukuba babeke usukelo oluthile lwemali-njengokugcina ikhaya, umhlalaphantsi, okanye imfundo-kwaye balandele inkqubela yabo ekuhambeni kwexesha. Iqonga ke lilungelelanisa ipotifoliyo ukuze ihambelane nexesha kunye nokunyamezela umngcipheko okuhambelana nenjongo nganye, okwenza kube lula ukuhlala endleleni.

Ukukwazi ukuseta nokubeka iliso kwiinjongo ezininzi luphawu oluxabisekileyo kubantu abajongana neenjongo ezininzi zemali ngaxeshanye. Ezi zixhobo zibonelela ngokungafihlisiyo kunye nokwakheka, ukunceda abasebenzisi ukuba baqonde ukuba iipotfoliyo zabo zihambelana njani nesicwangciso sabo sezemali ngokubanzi.

3.7.4. Iingcebiso ezenzelwe wena

Ngelixa abacebisi be-robo ubukhulu becala bezenzekela, ezinye iiplatifomu zibonelela ngokufikelela kwiingcebiso ezenzelwe umntu ngemali kubacebisi babantu. Le modeli ye-hybrid idibanisa ukusebenza kakuhle kotyalo-mali oluqhutywa yi-algorithm kunye nenzuzo yesikhokelo somntu kwizigqibo ezinzima zemali. Umzekelo, abasebenzisi banokubonisana nomcebisi ongumntu malunga nesicwangciso somhlalaphantsi, izicwangciso zerhafu, okanye ucwangciso lwezindlu.

Iingcebiso ezenzelwe wena zinokuba luncedo ngakumbi kubatyali-mali abaneemeko ezinzima zezimali okanye abo basondele kwiziganeko ezinkulu zobomi, ezinjengomhlalaphantsi. Nangona kunjalo, eli nqaku linokugcinelwa abathengi abakumgangatho ophezulu okanye abo baneepotfoliyo ezinkulu, kwaye inokuza ngeendleko ezongezelelweyo.

umba Inkcazo
Iintlobo zeMirhumo Kubandakanya ulawulo, i-akhawunti, kunye neentlawulo zokuthengiselana, ngokuqhelekileyo ziphantsi kunabacebisi bendabuko (0.25% -0.50%).
Ukuthelekiswa kwiMirhumo yesiNtu Abacebisi beRobo ngokuqhelekileyo bahlawulisa imali ephantsi kunabacebisi bendabuko (1% -2%), okwenza ukuba bangabizi kakhulu.
Umrhumo wokuNgafihlisi Abacebisi beRobo banikezela ngezakhiwo ezicacileyo, eziphambili zomrhumo, ukunceda abatyali-mali baphephe iindleko ezifihlakeleyo.
Ubuncinci beeMfuno zoTyalo-mali Iyahluka ngokweqonga; abanye abanalo utyalo-mali luncinci, ngelixa abanye banokufuna amawaka eedola.
Iinketho kubaTyali-mali abaNgena Ngeniso Abacebisi abaninzi be-robo bavumela utyalo-mali oluphantsi okanye olungekho buncinci, lulungele abo banemali encinci.
Amacebo oTyalo-mali Ngokuqhelekileyo i-passive, izicwangciso zokulandelela isalathisi; abanye banikezela ngezicwangciso ezisebenzayo zomngcipheko ophezulu / amandla okuvuza.
Ukwahluka kwePotifoliyo Abacebisi beRobo benza iipotfoliyo ezahlukeneyo kwiiklasi ezininzi ze-asethi ukunciphisa umngcipheko kunye nokuphucula imbuyekezo.
Ukuhlengahlengisa iFrequency Ukulungelelanisa okuzenzekelayo kuqinisekisa ukuba iipotfoliyo zihlala zilungelelaniswe neenjongo zabatyali-mali kunye nokunyamezela umngcipheko.
Ukulahlekelwa kweRhafu Ukuthengisa ngokuzenzekelayo utyalo-mali olulahlekileyo ukulungisa iinzuzo, ukunciphisa ingeniso erhafiswayo kunye nokwandisa imbuyekezo emva kwerhafu.
Ubuchule bokuSebenza ngeRhafu Ukwaba ii-asethi ngendlela enerhafu, ibeka utyalo-mali olungakhathali kwirhafu kwintengiso yerhafu.vantaged akhawunti.
Ubukho beNkonzo yoMthengi Uluhlu ukusuka kwi-24/7 inkxaso ukuya kwiiyure eziqingqiweyo; amanye amaqonga anikezela ukufikelela kubacebisi babantu ukuze bafumane uncedo olulolwakho.
Umgangatho weNkonzo yabaThengi Umgangatho wenkonzo uyahluka phakathi kwamaqonga, abanye banikezela ngenkxaso yolwazi ngelixa abanye bathembele ngakumbi kwiimpendulo ezizenzekelayo.
Ukufikeleleka koLwazi Abacebisi beRobo bahluke ngokufumaneka kwezixhobo zemfundo, njengamanqaku, izifundo, kunye neewebinars zemfundo yotyalo-mali.
Imilinganiselo yoKhuseleko lweDatha I-encryption, ukuqinisekiswa kwezinto ezimbini (2FA), kunye nokuthotyelwa kokulawula kunceda ukukhusela idatha yomsebenzisi kunye nokugcina ukhuseleko lweqonga.
Ubuqhophololo kunye noKhuseleko lweCyberattack Amaqonga amaninzi abonelela ngeenkqubo zokubona ubuqhophololo kunye ne-inshorensi yokhuseleko kwimeko yohlaselo lwe-cyber okanye ukufikelela kwiakhawunti engagunyaziswanga.
UTyalo-mali oluXanduva eluntwini (SRI) Iipotifoliyo ezijolise kwiikhrayitheriya ze-ESG (EzokusiNgqongileyo, ezeNtlalo, zoLawulo), ezilungelelanisa utyalo-mali nezinto ezixabisekileyo zomntu.
Utyalo-mali lwamazwe ngamazwe Ibonelela ngokutyhileka kwiimarike zehlabathi, iphucula ukwahluka kunye nokunciphisa ukuthembela ekusebenzeni kwemarike yasekhaya.
Izixhobo zoCwangciso eziSekwe kwiNjongo Ivumela abasebenzisi ukuseta, ukubeka esweni, kunye nokulungelelanisa iiphothifoliyo ngokusekelwe kwiinjongo ezithile zemali ezifana nomhlalaphantsi okanye ukuthenga ikhaya.
Iingcebiso ezenzelwe wena Amanye amaqonga abonelela ngofikelelo kubacebisi bezemali bomntu ukwenzela utyalo-mali olulolwakho ngakumbi kunye neengcebiso zokucwangcisa.

4. Ukuthelekisa iRobo-Advisors

Ukukhetha umcebisi we-robo ochanekileyo linyathelo elibalulekileyo ekuqinisekiseni ukuba utyalo-mali lwakho luhambelana neenjongo zakho zemali, ukunyamezela umngcipheko kunye nezinto ozikhethayo. Ukunikezelwa kwenani elikhulayo labacebisi be-robo abakhoyo, ukwenza isigqibo esinolwazi kufuna uthelekiso olucacileyo lwezinto ezininzi ezibandakanya iifizi, izicwangciso zotyalo-mali, iimpawu kunye nenkonzo yabathengi. Uhlalutyo olubanzi lukuvumela ukuba uvavanye ukuba leliphi iqonga elibonelela ngokufanelekileyo kwiimfuno zakho, kukunceda ukuba wandise izibonelelo zotyalo-mali oluzenzekelayo.

4.1. Uphando kwaye uthelekise abaCebisi abahlukeneyo beRobo

Isinyathelo sokuqala ekukhetheni umcebisi we-robo ofanelekileyo uqhuba uphando olunzulu kwiiplatifomu ezahlukeneyo ezikhoyo. Umcebisi ngamnye we-robo unamandla akhe, iimpawu ezizodwa, kunye neendawo ezikhethekileyo. Umzekelo, amanye amaqonga angajolisa ngakumbi kwisicwangciso somhlalaphantsi, ngelixa amanye anokugxininisa utyalo-mali olunoxanduva loluntu okanye anikeze ukuvezwa kweemarike zamazwe ngamazwe.

Qala ngokuvavanya izidima ze-robo-abacebisi ngaphakathi kwishishini. Jonga ukuba iqonga lisebenza ixesha elingakanani kunye nerekhodi yalo ekulawuleni iimpahla zabathengi. Abanye abacebisi be-robo, njenge-Betterment kunye ne-Wealthfront, zisekwe kakuhle kwaye zineziseko ezibanzi zabathengi, ezinokunika inqanaba lokuthembela kunye nokuthembeka. Iiplatifti ezitsha, ngelixa zinokubonelela ngezinto ezintsha, zisenokungabi nenqanaba elifanayo lentsebenzo eqinisekisiweyo.

Uthelekiso olunzulu lukwabandakanya ukuqonda isiseko sotyalo-mali kwiqonga ngalinye kunye neentlobo zeepotfoliyo abazinikezelayo. Ngokomzekelo, abanye abacebisi be-robo balandela ngokungqongqo isicwangciso sotyalo-mali, besebenzisa ii-ETF ukuze babonise ukusebenza kwemarike, ngelixa abanye banikezela ngolawulo lwepotfoliyo esebenzayo ngenjongo yokugqwesa iibhentshi zemarike. Ukuqonda ezi zintlukwano kungundoqo ekufaniseni iqonga kunye nesicwangciso sakho sezemali.

4.2. Sebenzisa iZixhobo ze-Intanethi kunye neZibonelelo zokuHlola iinketho

Izixhobo ezahlukeneyo ze-intanethi kunye neewebhusayithi zokuthelekisa zikhona ukunceda abatyali-mali bahlalutye kwaye bavavanye abacebisi be-robo abahlukeneyo. Ezi zixhobo zibonelela ngokuqhekeka okucacileyo kwezinto ezinjengeentlawulo, ubuncinci botyalo-mali, izicwangciso zepotfoliyo, kunye nokwaneliseka kwabathengi, kukuvumela ukuba uthelekise amaqonga ecaleni.

Ngokomzekelo, izixhobo ezininzi zokuthelekisa zikuvumela ukuba ucofe abacebisi be-robo ngeendlela ezithile, ezifana nezakhiwo zomrhumo ophantsi, amandla otyalo-mali kumazwe ngamazwe, okanye i-ESG (yendalo, intlalo, ulawulo) iminikelo. Ezi zixhobo ziluncedo ngokukhethekileyo kubatyali-mali abanokukhetha okuthile, njengabo bafuna ukunciphisa imirhumo okanye abo bagxile ekuzinzeni.

Ezinye zezi zixhobo zikwabonelela ngeengcebiso ezenzelwe wena. Ngokufaka iinjongo zakho zotyalo-mali, i-horizon yexesha, ukunyamezela umngcipheko, kunye nemali onqwenela ukuyityala, ezi zixhobo zinokuvelisa uluhlu olulungiselelweyo lwabacebisi be-robo abafanelana neprofayile yakho. Olu phawu lwenza lula inkqubo yokwenza izigqibo, ngakumbi kubatyali-mali abatsha abasenokungazazi zonke izinto ekufuneka ziqwalaselwe xa ukhetha iqonga lotyalo-mali.

Ukusebenzisa izixhobo ze-intanethi kukuvumela ukuba uphonononge uphononongo lwabasebenzisi kunye neereyithingi ezivela kwabanye abatyali-mali. Le ngxelo yobuqu inokunika ingqiqo kumava omsebenzisi, kubandakanywa lula ukusetyenziswa, umgangatho wenkonzo yabathengi, kunye nokusebenza kwezicwangciso zokulawula iipotfoliyo zeqonga. Uvavanyo oluzimeleyo oluvela kwiiwebhusayithi zemali kunye neeplatifti zokuphonononga zomntu wesithathu nazo zibonelela ngombono olungeleleneyo malunga nendlela umcebisi ngamnye we-robo owenza kakuhle ngayo kwiindawo ezahlukeneyo.

4.3. Qwalasela Imiba efana neMirhumo, Ubuncinci boTyalo-mali, kunye noBuchule boLawulo lwePotfoliyo

Xa kuthelekiswa nabacebisi be-robo, ezintathu zezona zinto zibalulekileyo ekufuneka ziqwalaselwe yimirhumo, ubuncinci botyalo-mali, kunye nezicwangciso zolawulo lwepotfoliyo. Ezi zinto zinempembelelo ngokuthe ngqo kwiindleko zotyalo-mali, ukukhululeka kokuqala ngeqonga, kunye nembuyekezo enokuthi uyilindele.

iintlawulo

Njengoko bekuxoxiwe ngaphambili, imirhumo inokuba nefuthe elibonakalayo kwindlela osebenza ngayo utyalo-mali lwakho, ngakumbi kwixesha elide. Abacebisi beRobo badla ngokubiza iimali zolawulo njengepesenti yezinto zakho eziphantsi kolawulo (AUM). Ngelixa uninzi lwamaqonga luhlawulisa phakathi kwe-0.25% kunye ne-0.50% ye-AUM ngonyaka, nomahluko omncinci womrhumo unokongeza ngokuhamba kwexesha ngenxa yokudibanisa. Iiplatifti zomrhumo ophantsi zihlala zithandwa ngabatyali-mali abazixabisayo, kodwa kukwabalulekile nokuqinisekisa ukuba imirhumo ephantsi yeqonga ayizi ngeendleko zeempawu ezibalulekileyo okanye umgangatho wolawulo lwepotfoliyo.

Ukongeza kwimirhumo yokulawula, abanye abacebisi be-robo banokuhlawulisa imali eyongezelelweyo kwiinkonzo ezifana nokugcinwa kwe-akhawunti, ukudluliselwa kwefowuni, okanye ukufikelela kubacebisi babantu. Kubalulekile ukufunda umbhalo ocacileyo kwaye uqonde iindleko ezipheleleyo zotyalo-mali kwiqonga ngalinye ukuphepha naziphi na izinto ezimangalisayo.

Ubuncinci boTyalo-mali

Ubuncinci botyalo-mali ngomnye umba obalulekileyo ekufuneka uqwalaselwe, ngakumbi kubatyali-mali abatsha okanye abo banemali encinci. Ngelixa abanye abacebisi be-robo, abanje ngeNgcono, abanalo ubuncinci bemfuno yotyalo-mali, abanye banokufuna utyalo-mali lokuqala lwe-1,000 yeedola okanye ngaphezulu. Abatyalomali abanemali encinci yemali kufuneka bagxininise kumaqonga anobuncinci obuphantsi okanye obungenabuncinci, njengoko oku kukuvumela ukuba uqalise ukutyala imali ngaphandle kokufuna ukonga isixa esikhulu semali kuqala.

Ukongeza, abanye abacebisi be-robo banokufuna utyalo-mali oluphezulu lokufikelela kwiimpawu zeprimiyamu, ezinjengokufikelela kubacebisi bezemali abangabantu okanye ukuvunwa kwelahleko yerhafu. Qwalasela ukuba zeziphi iimpawu ezibaluleke kakhulu kuwe nokuba ezona mfuno zisezantsi zotyalo-mali zeqonga ziyahambelana na nemeko yakho yezemali.

Ubuchule boLawulo lwePotfoliyo

Uhlobo lwesicwangciso solawulo lwepotfoliyo eqeshwe ngumcebisi ngamnye we-robo yenye into ebalulekileyo eya kuba nefuthe kwisigqibo sakho. Uninzi lwabacebisi be-robo basebenzisa indlela yotyalo-mali, apho iiphothifoliyo zenzelwe ukulandelela izalathisi zentengiso kunye nokuhambisa imbuyekezo yomyinge wemarike. Utyalo-mali olwenziwayo luthathwa njengexabiso eliphantsi, isicwangciso esinomngcipheko ophantsi olungele ukukhula kwexesha elide.

Nangona kunjalo, abanye abacebisi be-robo banikezela ngolawulo olusebenzayo lwepotfoliyo. La maqonga azama ukugqwesa imarike ngokuthenga rhoqo nokuthengisa ii-asethi ezisekelwe kwimarike iintsingiselo kunye nohlalutyo. Ngelixa ulawulo olusebenzayo lubonelela ngembuyekezo ephezulu, luza nomngcipheko owongeziweyo kunye nemirhumo ephezulu. Abatyalomali kufuneka baqwalasele ngononophelo ukunyamezela kwabo umngcipheko kunye nexesha lotyalo-mali ngaphambi kokukhetha iqonga elibonelela ngolawulo olusebenzayo.

Abacebisi beRobo nabo bayahluka kwindlela abaphatha ngayo ukulinganisa kwakhona. Ukuhlengahlengisa yinkqubo yokulungelelanisa ulwabiwo lwe-asethi yepotfoliyo ukuze kugcinwe ibhalansi enqwenelekayo yomngcipheko nomvuzo. Ngokomzekelo, ukuba izitokhwe kwiphothifoliyo yakho zenza kakuhle kwaye zikhule ukumela inxalenye enkulu yempahla yakho kunokuba bekucetywayo, umcebisi we-robo uya kuthengisa ezinye izitokisi kwaye athenge iibhondi ukubuyisela iphothifoliyo ukulungelelaniswa. Abanye abacebisi be-robo-rebalance portfolios ngokuzenzekelayo ngamaxesha aqhelekileyo, ngelixa abanye benza oko ngokusekelwe kwiimeko zemarike okanye xa ulwabiwo lwe-asethi luphambuka kakhulu kwithagethi.

Ukuthelekisa abaCebisi beRobo abahlukeneyo

umba Inkcazo
Uphando lweRobo-Advisors Phanda ngodumo lweqonga ngalinye, ifilosofi yotyalo-mali, kunye neempawu ezizodwa, ezinjengocwangciso lomhlalaphantsi okanye utyalo-mali lwe-ESG.
Sebenzisa izixhobo ezikwi-Intanethi Sebenzisa izixhobo zokuthelekisa kwi-intanethi ukuvavanya imirhumo, ubuncinci, amaqhinga epotfoliyo, kunye nophononongo lwabasebenzisi.
iintlawulo Qonda ubume bemirhumo, kubandakanywa iimali zokulawula, iimali zokuthengiselana, kunye naziphi na iindleko ezifihlakeleyo; imirhumo ephantsi inceda ukugcina imbuyekezo yexesha elide.
Ubuncinci boTyalo-mali Ukuphonononga ubuncinane beemfuno zotyalo-mali; amanye amaqonga awaniki buncinci, ngelixa amanye anokufuna amawaka eedola ukuqalisa.
Ubuchule boLawulo lwePotfoliyo Thelekisa amaqonga asekelwe kwi-passive vs. amaqhinga asebenzayo, imigaqo-nkqubo yokulungelelanisa, kunye neendlela zokwahluka ukuhambelana neenjongo zakho zemali kunye nokunyamezela umngcipheko.

5. Robo-Advisor vs. Traditional Advisor

Esinye sezona zigqibo zibalulekileyo kubatyali-mali kukhetha phakathi komcebisi we-robo kunye nomcebisi wezezimali wesintu. Ngelixa zombini iinketho zibonelela ngolawulo lotyalo-mali lobuchwephesha, ziyahluka ngokweendleko, ukufikeleleka, ukwenziwa ngokwezifiso, kunye nenqanaba lokusebenzisana kwabantu. Ukuqonda amandla kunye nobuthathaka bomntu ngamnye kunokukunceda ukuba ubone ukuba yeyiphi eyona nto ifanelekileyo kwiinjongo zakho zemali, ukunyamezela umngcipheko, kunye nezinto ozikhethayo.

5.1. IiPros and Cons of the Option nganye

Xa uthelekisa abacebisi be-robo kunye nabacebisi bendabuko, kukho izinto ezininzi ezibalulekileyo ekufuneka ziqwalaselwe, njengeendleko zeenkonzo, umgangatho wobuntu, kunye nohlobo lwamava abathengi abanikezela ngawo.

Abacebisi beRobo: IiPros

Imirhumo ephantsi: Abacebisi beRobo bafikeleleka ngakumbi kunabacebisi bemveli. Ngelixa abacebisi bemveli bahlawulisa malunga ne-1% ukuya kwi-2% yee-asethi eziphantsi kolawulo (AUM) ngonyaka, abacebisi be-robo ngokuqhelekileyo bahlawulisa phakathi kwe-0.25% kunye ne-0.50%. Oku kwenza abacebisi be-robo bathandeke ngakumbi kubatyalo-mali abaneepotifoliyo ezincinci, njengoko iifizi ezisezantsi zishiya indawo enkulu yokukhula kweepotfoliyo kwixesha elide.

Ukufikeleleka: Abacebisi beRobo bayafumaneka kuye nabani na onoqhagamshelo lwe-intanethi, evumela abatyali-mali ukuba baqale ngotyalo-mali oluncinci okanye bangabikho. Banikezela nge-user-friendly, amava edijithali, rhoqo kunye nofikelelo lweselula olungenamthungo. Abatyalomali banokubeka iliso kwaye balawule iiphothifoliyo zabo 24/7 ngaphandle kokufuna ukucwangcisa ukuqeshwa kunye nabacebisi babantu. Eli nqanaba loncedo linomtsalane ngakumbi kubatyalo-mali abakhetha ulawulo lwezandla okanye abaneemfuno ezilula, ezithe ngqo zemali.

Ukuzenzekela kunye nokusebenza kakuhle: Abacebisi beRobo basebenzisa i-algorithms ukusingatha imisebenzi efana nohlengahlengiso lwepotfoliyo, ukuvunwa kwelahleko yerhafu, kunye negalelo elizenzekelayo. Oku kuzenzekelayo kuphelisa impazamo yomntu kwaye kunciphisa imfuno yokungenelela ngesandla, ukwenza utyalo-mali lusebenze ngakumbi. Ngeempawu ezifana nokulungiswa kwerhafu ngokuzenzekelayo, abacebisi be-robo banokunceda ukunciphisa amatyala erhafu ngaphandle kokufuna ukuba abathengi babe nolwazi olunzulu lwemithetho yerhafu.

Robo-Abacebisi: Cons

Ubume obulinganiselweyo: Ngelixa abacebisi be-robo banikezela ngolawulo lotyalo-mali olusekwe kwiinjongo zomntu ngamnye kunye nokunyamezelana nomngcipheko, ngokuqhelekileyo babonelela ngokwezifiso ngaphantsi kunabacebisi bemveli. Izicwangciso zotyalo-mali zibekwe ngaphambili, zijolise kwii-ETF ezibanzi kunye neengxowa-mali zesalathisi. Kubatyalo-mali abaneemeko zezimali ezinzima, njengabanikazi bamashishini okanye abantu abanexabiso eliphezulu abaneemfuno zokucwangciswa kwezindlu, abacebisi be-robo abanako ukunika inqanaba lokwenziwa ngokwezifiso okufunekayo.

Akukho ukusebenzisana kwabantu: Enye yeengxaki eziphambili ze-robo-abacebisi kukungabikho kwentsebenziswano yabantu. Nangona amanye amaqonga anikezela ukufikelela kubacebisi babantu (ngokuqhelekileyo kwintlawulo eyongezelelweyo okanye ngee-premium tiers), ubuninzi bonxibelelwano buqhutywa yi-algorithm. Abatyali-mali abafuna isikhokelo somntu ngamnye, uqinisekiso ngexesha lokuguquguquka kweemarike, okanye uncedo ngezigqibo ezinzima banokuyifumana le ndlela ingenabuntu inganelisi.

Abacebisi beMveli: IiPros

Iingcebiso ezenzelwe wena: Abacebisi bezemali bemveli banikezela ngeenkonzo ezilungelelanisiweyo ngokusekwe kwimeko yemali eyodwa yomthengi, iinjongo kunye nezinto azikhethayo. Banokusingatha ucwangciso lwezemali oluntsonkothileyo, olufana nezicwangciso zengeniso yomhlalaphantsi, ukulungiswa kwerhafu, ukucwangciswa kwezindlu, kunye neemfuno ze-inshorensi. Kubatyalo-mali abaneemeko ezinzima, abacebisi bemveli babonelela ngezisombululo ezilungiselelwe ukuba abacebisi be-robo abanakho ukuxhotyiswa ukuphatha.

Inkxaso yoMvakalelo kunye nesiKhokelo: Utyalo-mali lunokuba ngamava ovakalelo, ngakumbi ngamaxesha okuguquguquka kweemarike. Abacebisi bemveli babonelela ngenkxaso yeemvakalelo kwaye banokunceda abatyali-mali baphephe izigqibo ezingxamisekileyo ezinokulimaza impilo yabo yemali yexesha elide. Ngokomzekelo, ngexesha lokuhla kweemarike, umcebisi womntu unokuqinisekisa abathengi kwaye abancede banamathele kwisicwangciso sabo sotyalo-mali, bagweme isilingo sokuthengisa ngelahleko.

UCwangciso lwezeMali oluBanzi: Ukongeza kulawulo lotyalo-mali, abacebisi bemveli bahlala bebonelela ngoluhlu olubanzi lweenkonzo zezimali, ezifana nokucwangciswa kwerhafu, ukucwangciswa kwezindlu, iingcebiso ze-inshurensi, kunye neendlela zomhlalaphantsi. Ezi nkonzo zinokuba luncedo kakhulu kubatyali-mali abafuna indlela epheleleyo yokulawula iimali zabo.

Abacebisi bemveli: Cons

Imirhumo ephezulu: I-drawback ephambili yabacebisi bezemali bemveli lixabiso labo. Ngokuqhelekileyo babiza i-1% ukuya kwi-2% ye-AUM ngonyaka, nto leyo enokuba nefuthe elibonakalayo ekukhuleni kweepotfoliyo ezincinci ekuhambeni kwexesha. Kwiiphothifoliyo ezinkulu, ezi ntlawulo zinokuthethelelwa ngengqalelo yomntu ngamnye kunye neenkonzo ezibanzi ezibonelelwayo, kodwa kwiipotfoliyo ezincinci, iindleko zinokugqithisa inzuzo.

Ukufikeleleka okulinganiselweyo: Abacebisi bemveli bahlala benobuncinci beakhawunti ephezulu, efuna naphi na ukusuka kwi-100,000 yeedola ukuya kwi-1 yezigidi zeedola okanye ngaphezulu ukufikelela kwiinkonzo zabo. Oku kunokwenza ukuba abacebisi bemveli bangafikeleleki kubatyali-mali abatsha okanye abakhasayo. Ukongezelela, ukulawula i-akhawunti ngomcebisi wendabuko ngokuqhelekileyo kubandakanya ukucwangcisa ukuqeshwa kunye nokuya kwiintlanganiso zomntu okanye iintlanganiso, ezinokudla ixesha xa kuthelekiswa nokusebenziseka kwedijithali kwabacebisi be-robo.

5.2. Unokukhetha nini uMcebisi weRobo kunye nexesha lokukhetha uMcebisi weMveli

Ukukhetha phakathi komcebisi we-robo kunye nomcebisi wendabuko kuxhomekeke kwizinto ezininzi, kubandakanywa ubunzima bemeko yakho yezemali, iinjongo zakho zotyalo-mali, imfuno yakho yokusebenzisana nabantu, kunye nesixa semali onayo yokutyala imali.

Unokukhetha nini iRobo-Advisor

Ukuba uneMeko yezeMali elula: Abacebisi beRobo bafanelekile kubantu abaneemfuno zezimali ezithe ngqo, njengabo bagcina imali yomhlalaphantsi, ukwakha ingxowa-mali kaxakeka, okanye ukutyala imali ngenjongo ethile njengokuthenga indlu. Kubatyali-mali abangadingi ukucwangciswa kwemali entsonkothileyo okanye izicwangciso zerhafu, abacebisi be-robo banikezela ngesisombululo esifikelelekayo, esizenzekelayo esibonelela ngolawulo lotyalo-mali olusebenzayo.

Ukuba Uyayikhathalela imali: Kubatyalo-mali abagxile ekunciphiseni iindleko, abacebisi be-robo babonelela ngenketho eneendleko. Imirhumo ephantsi ehambelana nabacebisi be-robo ishiya imbuyekezo eninzi yepotfoliyo yakho, eyona nto ibaluleke kakhulu kubatyalo-mali abaneepotfoliyo ezincinci apho iintlawulo eziphezulu zingadla kwimbuyekezo.

Ukuba Ukhetha i-Hands-Off Approach: Abacebisi be-Robo benzelwe abatyali-mali abakhetha ukuthatha indlela yokulawula iipotfoliyo. Nje ukuba usete iinjongo zakho kunye nokunyamezela umngcipheko, iqonga liphatha yonke enye into, ukusuka kulwabiwo lwe-asethi ukuya kuhlengahlengiso kunye nokulungiswa kwerhafu. Kubantu abangafuni ukubandakanyeka kulawulo lwemihla ngemihla lwepotfoliyo yabo, abacebisi be-robo babonelela ngesisombululo esilula nesisebenzayo.

Unokukhetha Nini Umcebisi Wemveli

Ukuba uneMeko yezemali entsonkothileyo: Abacebisi bemveli bafaneleka ngakumbi abantu abaneemfuno zemali ezinzima, ezifana nezo zijongene nocwangciso lwezindlu, imiba ebalulekileyo yerhafu, okanye ubunini beshishini. Ukuba ufuna iinkonzo ezingaphaya kolawulo lwepotfoliyo esisiseko-ezifana nokwenza isicwangciso sengeniso yomhlalaphantsi okanye ukujongana neemeko zerhafu ezinzima-indlela elungiselelwe umcebisi wemveli inokuba lolona khetho lungcono.

Ukuba ufuna iNkxaso ngokweemvakalelo okanye isiKhokelo: Utyalo-mali lunokuba yi-roller coaster iimvakalelo, ngakumbi ngamaxesha okungazinzi kwemarike. Abacebisi bemveli babonelela ngochuku lomntu onokunceda abatyali-mali bahlale kwikhosi xa beziva bexhalabile malunga nokuguquguquka kweemarike. Kwabo baxabisa ubudlelwane bomntu kunye nenkxaso yeemvakalelo, abacebisi bemveli banokunika isiqinisekiso kunye neengcebiso ezilungiselelwe.

Ukuba ufuna uCwangciso lwezeMali oluBanzi: Kubantu abafuna okungaphezulu kunolawulo lotyalo-mali kuphela, abacebisi bemveli babonelela ngenkqubo ebanzi yocwangciso lwezemali. Banokukunceda wenze isicwangciso semali esilungiselelweyo esibandakanya i-inshurensi, izicwangciso zerhafu, ucwangciso lwengeniso yomhlalaphantsi, kunye nocwangciso lwamafa. Eli nqanaba lesicwangciso esibanzi alisoloko lifumaneka ngokusebenzisa abacebisi be-robo, okwenza abacebisi bemveli babe lolona khetho lungcono kulabo abaneemfuno zezimali ezinzima.

5.3. Iimodeli zeHybrid (Ukudibanisa abaCebisi beRobo kunye nabaCebisi beMveli)

Kubatyali-mali abafuna umdibaniso wokuzenzekela kunye neengcebiso ezenzelwe umntu, iimodeli ezixutyiweyo ziya ziba lukhetho oluya luthandwa. Abacebisi be-Hybrid robo-abacebisi badibanisa iindleko eziphantsi, iinkonzo ezizenzekelayo zomcebisi we-robo kunye nokufikelela kubacebisi bezemali bomntu kwisikhokelo somntu. Le ndlela inikezela ngeyona nto ingcono kakhulu yehlabathi, ivumela abatyali-mali ukuba bazuze kwimirhumo ephantsi kunye ne-automation ngelixa bekwazi ukufikelela kumcebisi womntu xa kufuneka.

Iiplatifti ezininzi ze-hybrid, ezifana neeNkonzo zeVanguard Personal Advisor kunye ne-Schwab Intelligent Portfolios, zibonelela ngesakhiwo esine-tiered apho iinkonzo ezisisiseko ziphathwa nge-algorithm, kodwa abathengi banokuthetha kunye nomcebisi wezezimali ukuze bafumane iingcebiso ezifanelekileyo. Le modeli ilungele abantu abafuna ukonga iindleko zomcebisi we-robo kodwa baxabise nokubamba umntu owenziwe ngabacebisi babantu kwimicimbi yemali entsonkothileyo.

Iimodeli zeHybrid zihlala ziza kunye neentlawulo eziphezulu kancinci kunabacebisi be-robo kodwa zihlala zifikeleleka ngakumbi kunabacebisi bezemali bemveli. Babonelela ngomgangatho ophakathi kubatyali-mali abafuna ukuzenzekelayo kodwa bayayixabisa inkxaso yabantu xa besenza izigqibo ezibalulekileyo zemali.

umba Inkcazo
Abacebisi beRobo: IiPros Imirhumo ephantsi (0.25% -0.50%), ukufikeleleka, ukuzenzekelayo, kunye nokulula ukusetyenziswa kwiimfuno zemali ezilula.
Robo-Abacebisi: Cons Ukwenziwa ngokwezifiso okulinganiselweyo kunye nokusebenzisana kwabantu; azifanelekanga iimeko zemali ezinzima.
Abacebisi beMveli: IiPros Iingcebiso ezenzelwe wena, inkxaso yeemvakalelo, kunye nocwangciso olubanzi lwezemali kwiimfuno ezinzima.
Abacebisi bemveli: Cons Imirhumo ephezulu (1% -2%), ukufikelela okulinganiselweyo ngenxa yobuncinci beakhawunti, kunye neenkqubo ezininzi ezithatha ixesha.
Unokukhetha nini iRobo-Advisor Ilungele abatyali-mali abanomrhumo abaneemfuno ezilula zemali abakhetha indlela yokucima izandla.
Unokukhetha Nini Umcebisi Wemveli Ifanelekile kubatyali-mali abaneemeko zemali ezinzima okanye abo baxabisa inkxaso yeemvakalelo kunye nesikhokelo somntu.
Iimodeli zeHybrid Udibanisa iinkonzo ezizenzekelayo kunye nokufikelela kubacebisi babantu, ukubonelela ngomgangatho ophakathi phakathi kweendleko kunye neengcebiso zomntu.

6. Iingcebiso zokuqalisa nge-Robo-Advisor

Emva kokuba wenze isigqibo sokuba umcebisi we-robo lukhetho olufanelekileyo kwisicwangciso sakho sotyalo-mali, kubalulekile ukuqonda inkqubo yokuseka i-akhawunti kunye nokulawula iphothifoliyo yakho ngokufanelekileyo. Nangona abacebisi be-robo benzelwe ukwenza lula utyalo-mali, ukuthatha amanyathelo afanelekileyo kwasekuqaleni kuya kunceda ukuqinisekisa ukuba ukwandisa inzuzo yolawulo oluzenzekelayo. Eli candelo liquka amanyathelo abalulekileyo okuqalisa, kuquka ukuseta iakhawunti yakho, ukuyixhasa ngemali, ukuqonda ipotfoliyo yakho, kunye nokubeka esweni utyalo-mali lwakho.

6.1. Ukumisela iAkhawunti

Isinyathelo sokuqala ekusebenzeni kunye nomcebisi we-robo kuseka i-akhawunti. Inkqubo ngokuqhelekileyo ikhawuleza kwaye isebenziseka lula, iyenza ifikeleleke nakwabo banamava amancinci okanye abangenawo amava kutyalo-mali. Emva kokukhetha i-platform ye-robo-advisor ehambelana kakuhle neemfuno zakho zemali, kuya kufuneka ukuba wenze i-akhawunti yomsebenzisi. Nalu ucazululo lwamanyathelo aphambili kwinkqubo yokuseta:

Ulwazi loBuqu kunye neenjongo zeMali

Uninzi lwabacebisi be-robo baya kukucela ukuba unikezele ngolwazi olusisiseko lomntu siqu, njengegama lakho, idilesi ye-imeyile kunye neenkcukacha zoqhagamshelwano. Ukulandela oku, kuya kufuneka uphendule uthotho lwemibuzo malunga neenjongo zakho zemali kunye nemeko. Le mibuzo yenzelwe ukunceda iqonga ukuvavanya ukunyamezela kwakho umngcipheko, ixesha eliphakathi, kunye neenjongo zemali. Umzekelo, unokubuzwa malunga neenjongo zakho zotyalo-mali (umhlala-phantsi, ukongela ikhaya, imfundo, njl.njl.), inqanaba lomvuzo wakho, kunye nexabiso lakho langoku.

Ukunyamezelwa koMngcipheko kunye noKhetho loTyalo-mali

Njengenxalenye yenkqubo yokukhwela, umcebisi we-robo uya kuvavanya ukunyamezela kwakho umngcipheko ngokusebenzisa i-questionnaire. Oku kubandakanya imibuzo malunga nokuba ungasabela njani kuguquguquko lwemarike, ungakanani utyalo-mali lwakho ozimisele ukulubeka emngciphekweni, kwaye ingaba ubeka phambili ukukhula okanye uzinzo. Ngokusekwe kwiimpendulo zakho, iqonga liya kukunika iprofayile yomngcipheko, eya kuthi imisele ulwabiwo lwe-asethi yakho phakathi kwezitokhwe, iibhondi, kunye nezinye izinto zexabiso. Imibuzo inokubandakanya ukhetho lwakho kutyalo-mali olunoxanduva loluntu (ukuba luyanikezelwa), okanye amashishini athile okanye amacandelo ofuna ukuwaphepha okanye ukugxininisa.

Ukukhetha Uhlobo lweAkhawunti eLungile

Abacebisi beRobo badla ngokunikezela ngeentlobo ngeentlobo zeakhawunti, ezinje ngee-akhawunti ezirhafiswayo, ii-akhawunti zomhlalaphantsi (umzekelo, ii-IRAs), ii-akhawunti ezidityanisiweyo, kunye neeakhawunti zokugcinwa kwerhafu. Ukukhetha uhlobo oluchanekileyo lwe-akhawunti kubalulekile kuba kuya kuchaphazela indlela utyalo-mali lwakho olurhafiswa ngayo kunye nendlela ipotifoliyo yakho elawulwa ngayo. Umzekelo, ii-akhawunti zomhlalaphantsi zibonelela ngokukhula okurhafiswayo, ngelixa ii-akhawunti ezirhafiswayo zikuvumela ukuba ufikelele kwimali yakho nangaliphi na ixesha kodwa zixhomekeke kwirhafu yengeniso.

6.2. Ukuxhasa ngemali iakhawunti yakho

Nje ukuba iakhawunti yakho imiselwe, inyathelo elilandelayo kukuyixhasa ngemali. Abacebisi beRobo babonelela ngeendlela ezininzi zokufaka imali, kubandakanywa ukudibanisa i-akhawunti yakho yebhanki ukwenzela ukudluliselwa ngokuthe ngqo, ukubeka iitshekhi, okanye ukuqengqeleka kwii-akhawunti ezikhoyo ezifana ne-401 (k) okanye i-IRAs. Ukuxhasa ngemali iakhawunti yakho ngokukhawuleza kuvumela umcebisi we-robo ukuba aqalise ukutyala imali yakho ngokweenjongo kunye nezinto ozikhethileyo ngexesha lokuseta iakhawunti.

Idiphozithi yokuqala kunye neminikelo eqhubekayo

Ngokuxhomekeke kwi-robo-advisor, unakho okanye awufuni ukuhlangabezana nemfuneko yediphozithi yokuqala. Amaqonga amaninzi akanabo ubuncinci okanye ubuncinci obusezantsi kakhulu, okwenza kube lula ukuqala nokuba unemali encinci. Emva kwediphozithi yokuqala, unokuseta igalelo elizenzekelayo ukuze uhlale ukhulisa ipotifoliyo yakho yotyalo-mali. Olu phawu luluncedo kakhulu kwi ukulinganiselwa kwexabiso ledola, apho utyala imali efanayo kwizithuba eziqhelekileyo kungakhathaliseki ukuba iimeko zemarike. Le ndlela inceda ukunciphisa impembelelo yokuguquguquka kweemarike ekuhambeni kwexesha kwaye iqinisekisa ukuba uhlala uqeqeshekile kwisicwangciso sakho sotyalo-mali.

Ukudluliselwa kweeAkhawunti esele zikhona

Ukuba sele unayo ii-akhawunti zotyalo-mali ezikhoyo namanye amaziko, abaninzi abacebisi be-robo banikezela ngeenkonzo zokudlulisela ukukunceda ukuba uhambise imali yakho ngaphandle komthungo. Oku kunokwenziwa nokuba kudluliselwe iakhawunti (umzekelo, ukususa i-IRA ukusuka komnye umnikezeli ukuya komnye) okanye ngokubhangisa utyalo-mali lwakho lwangoku kunye nokubuyisela imali efunyenweyo kunye nomcebisi we-robo. Amanye amaqonga anokubonelela ngelahleko yerhafu yokuvunwa okanye iinkonzo ezifanayo ukunciphisa impembelelo yerhafu yokudluliselwa kwee-asethi, ngoko kuyafaneleka ukubuza malunga nezi mpawu ngexesha lenkqubo yokudluliselwa.

6.3. Ukuqonda iPotfoliyo Yakho

Nje ukuba i-akhawunti yakho ixhaswe ngemali kwaye umcebisi we-robo ukwabele izinto zakho, kubalulekile ukuqonda indlela ipotifoliyo yakho eyakhiwe ngayo. Nangona abacebisi be-robo baphatha ulawulo lwemihla ngemihla, ukwazi iziseko zepotfoliyo yakho kuya kukunceda uzive unentembelo ngakumbi kwisicwangciso sakho sotyalo-mali.

Ukwabiwa asset

Ipotfoliyo yakho inokuba yahlulwe kwiiklasi ezahlukeneyo ze-asethi, ezifana nezitokhwe, iibhondi, izindlu nomhlaba, kunye nezinye izibambiso. Ulwabiwo oluchanekileyo luya kuxhomekeka ekunyamezeleni kwakho umngcipheko, iinjongo zotyalo-mali, kunye nexesha elide. Ngokomzekelo, ukuba unonyamezelo oluphezulu lwengozi kunye nexesha elide lotyalo-mali, iphothifoliyo yakho inokuba nepesenti ephezulu yesitokhwe, enika amandla okubuya okuphezulu kodwa iza nokuguquguquka okukhulu. Kwelinye icala, umtyali-mali osele esondele ekuthatheni umhlala-phantsi unokuba nesabelo esikhulu kwiibhondi, ezizinzileyo kodwa ezibonelela ngembuyekezo ephantsi.

Abacebisi beRobo bahlala besebenzisa ukutshintshiselana-traded iingxowa-mali (ETFs) okanye iimali zesalathiso zokwenza iipotfoliyo ezahlukeneyo. Ezi ngxowa-mali zibonelela ngokutyhileka okubanzi kumacandelo ahlukeneyo kunye neemarike, ukunciphisa impembelelo yokuguquguquka kwempahla yomntu ngamnye kumsebenzi wakho jikelele.

Ukujongana kwakhona

Ngokuhamba kwexesha, ukuguquguquka kweemarike kunokubangela ukuba ulwabiwo lwe-asethi yepotfoliyo yakho ikhukulise koko bekujoliswe kuko. Ngokomzekelo, ukuba i-stock market yenza kakuhle kakhulu, umlinganiselo wesitokhwe kwipotifoliyo yakho unokunyuka, okukhokelela ekuvezweni komngcipheko ophezulu kunokuba ubufuna ekuqaleni. Abacebisi beRobo bahlengahlengisa ngokuzenzekelayo ipotifoliyo yakho ngokuthengisa iimpahla ezikhule ngaphaya kolwabiwo ekujoliswe kulo kunye nokuthenga ezo zingasebenzanga kakuhle. Oku kuqinisekisa ukuba ipotifoliyo yakho ihlala ihambelana nokunyamezela kwakho umngcipheko kunye neenjongo zotyalo-mali.

Ukulandelela ukusebenza

Uninzi lwabacebisi be-robo babonelela ngeedashbhodi ezikuvumela ukuba ujonge ukusebenza kwepotifoliyo yakho. La maqonga anikezela ngonxibelelwano olucacileyo, olusebenziseka lula apho unokulandelela ukukhula kotyalo-mali lwakho, uphonononge indlela izinto zakho zexabiso ezabiwa ngayo, kwaye ujonge idatha yokusebenza kwembali. Ezinye iiplatifomu zikwabonelela ngezixhobo zokulandelela inkqubela-phambili kwiinjongo ezithile zemali, ezinjengokugcina umhlalaphantsi okanye ukuthenga okukhulu. Ukuqonda ezi metrics kuya kukunceda uvavanye ukuba ingaba ipotfoliyo yakho isendleleni ukuhlangabezana neenjongo zakho nokuba kukho naluphi na uhlengahlengiso ekufuneka lwenziwe.

6.4. Ukubeka iliso kuTyalo-mali lwakho

Nangona abacebisi be-robo benzelwe ulawulo lwezandla, kusabalulekile ukuphonononga utyalo-mali lwakho ngamaxesha athile ukuze uqinisekise ukuba yonke into isendleleni. Ngelixa iqonga liza kujongana nohlengahlengiso kunye nokulungiswa kwerhafu, ukuhlala unolwazi malunga nokusebenza kwepotfoliyo yakho kunye neendlela zentengiso kunokukunceda wenze izigqibo ezingcono ekuhambeni kwexesha.

Ukumisela iinjongo zemali

Enye yentengisovantages ye-robo-abacebisi kukukwazi ukuseta nokubeka iliso kwiinjongo ezithile zemali. Nokuba ulondolozela ikhaya, imfundo, okanye umhlala-phantsi, ungakhangela ukuba ukufutshane kangakanani na ekuphumezeni ezo njongo. Ukuhlala uphonononga inkqubela yakho kuya kukunceda ubone ukuba isicwangciso sakho sotyalo-mali sangoku siyasebenza okanye kufuneka uhlengahlengiso.

Ukuqonda iimeko zeMarike

Ngelixa abacebisi be-robo bakhelwe ukuhamba ngeendlela eziguqukayo zeemarike, kuyanceda ukuhlala unolwazi malunga neendlela ezibanzi zoqoqosho. Ukuqonda indlela izinto ezifana ngayo ukunyuka kwamaxabiso, umgangatho wenzala, okanye iziganeko ze-geopolitical zinokuchaphazela ipotfoliyo yakho inokubonelela ngomongo wokuguquguquka kwexesha elifutshane kwindlela osebenza ngayo utyalo-mali lwakho. Ukuhlala unolwazi kukwakunceda ukuba uhlale uziphatha kakuhle ngexesha lokuguquguquka kweemarike, uqinisekise ukuba awenzi izigqibo ezingxamisekileyo ezinokulimaza imbuyekezo yakho yexesha elide.

Ukwenza Uhlengahlengiso Njengoko Lufuneka

Njengoko imeko yakho yezemali okanye iinjongo zitshintsha, kunokufuneka uhlengahlengise isicwangciso sakho sotyalo-mali. Ngokomzekelo, ukuba ufumana ukunyuswa okukhulu, ilifa, okanye enye i-windfall, unokufuna ukwandisa iminikelo yakho okanye ulungelelanise isabelo sakho se-asethi ukuze uthathe intengiso.vantage yamathuba amatsha. Ngokufanayo, iziganeko zobomi ezinje ngomtshato, ukuba nabantwana, okanye ukusondela kumhlala-phantsi kunokufuna uhlengahlengiso kukunyamezela kwakho umngcipheko okanye ixesha eliphakathi. Uninzi lwabacebisi be-robo luvumela uhlengahlengiso olulula, njengokwabiwa kwakhona kwe-asethi yakho okanye ukutshintsha imali yakho yegalelo.

umba Inkcazo
Ukumisela iAkhawunti Ibandakanya ukuphendula imibuzo malunga neenjongo zemali, ukunyamezela umngcipheko, kunye neenkcukacha zobuqu ukuseka iprofayile yotyalo-mali.
Ukuxhasa ngemali iakhawunti yakho Ifuna idiphozithi yokuqala, kunye neenketho zokunikela ngokuzenzekelayo kunye nokudluliselwa kweakhawunti ukukhulisa ipotfoliyo yakho ekuhambeni kwexesha.
Ukuqonda iPotfoliyo Yakho Iqulathe ii-asethi ezohlukeneyo, ezilawulwa nge-ETFs okanye iingxowa-mali zesalathiso, kunye nokulungelelaniswa kwakhona okuzenzekelayo ukugcina ulwabiwo olufunekayo.
Ukubeka iliso kuTyalo-mali lwakho Abacebisi beRobo balawula iiphothifoliyo, kodwa kubalulekile ukuphonononga ukusebenza rhoqo, ubeke iinjongo, kwaye wenze uhlengahlengiso njengoko imeko yakho yezemali itshintsha.

isiphelo

Abacebisi beRobo baye baguqula umhlaba wotyalo-mali, banikezela ngendlela efikelelekayo, enexabiso eliphantsi kubacebisi bezemali bemveli. Ngokusebenzisa ii-algorithms eziphucukileyo kunye ne-automation, zibonelela ngamava otyalo-mali alungelelanisiweyo abonelela kubo bobabini abasaqalayo kunye nabatyali-zimali abanamava. Ngeempawu ezinjengolawulo lwepotfoliyo oluzenzekelayo, ukulungelelanisa, kunye nokulungiswa kwerhafu, abacebisi be-robo bathatha ubunzima kutyalo-mali ngelixa benceda abantu ukuba bahlale besendleleni yokufezekisa iinjongo zabo zemali.

Nangona kunjalo, isigqibo sokukhetha umcebisi we-robo kumcebisi wendabuko kuxhomekeke kwiimfuno zakho zemali kunye nezinto ozikhethayo. Kulabo abaneenjongo zotyalo-mali ezilula kunye nomnqweno weentlawulo eziphantsi kunye nokulawulwa kwezandla, abacebisi be-robo sisisombululo esifanelekileyo. Ngakolunye uhlangothi, abatyali-mali abaneemeko zemali ezinzima okanye abo baxabisa iingcebiso zomntu kunye nokusebenzisana kwabantu banokuzuza kwimodeli ye-hybrid okanye umcebisi wendabuko.

Ekugqibeleni, abacebisi be-robo baye bafikelela kwidemokhrasi kwiinkonzo zotyalo-mali lobuchwephesha, okwenza kube lula kubantu ngabanye ukuba bakhulise ubutyebi babo ngaphandle kweendleko eziphezulu eziqhelekileyo ezinxulumene neenkonzo zokucebisa ngemali. Nokuba ulondolozela umhlalaphantsi, ikhaya, okanye enye injongo yexesha elide, abacebisi be-robo banikezela ngendlela ethembekileyo, elula yokulawula utyalo-mali lwakho ngelixa uhlala ulungelelaniswa nokunyamezela kwakho umngcipheko kunye neenjongo.

📚 Izincedisi ezingakumbi

Nceda qaphela: Izibonelelo ezibonelelweyo zisenokungalungiselelwa abaqalayo kwaye zisenokungafaneleki traders ngaphandle kwamava yobungcali.

Ukufumana abacebisi be-robo abaphezulu be-2024, cinga ukuhlola Forbes Ukuqonda okuneenkcukacha kunye namanqanaba.

❔ Imibuzo edla ngokubuzwa

unxantathu sm ekunene
Yintoni i-robo-advisor?

Umcebisi we-robo yi-automated, i-algorithm eqhutywa yi-platform ebonelela ngeenkonzo zolawulo lotyalo-mali, ezifana nokwabiwa kweepotfoliyo kunye nokulungelelanisa, ngokusekelwe kwiinjongo zezimali zomntu kunye nokunyamezela umngcipheko.

unxantathu sm ekunene
Babiza malini abacebisi be-robo?

Abacebisi beRobo badla ngokuhlawulisa phakathi kwe-0.25% kunye ne-0.50% yee-asethi eziphantsi kolawulo, ziphantsi kakhulu kunabacebisi bemveli ababiza i-1% ukuya kwi-2%.

unxantathu sm ekunene
Ngaba abacebisi be-robo bafanelekile kubaqalayo?

Ewe, abacebisi be-robo bafanelekile kubaqalayo ngenxa yeentlawulo zabo eziphantsi, i-interfaces-friendly-friendly interfaces, kunye neemfuneko eziphantsi okanye ezingabikho ubuncinane zotyalo-mali, okwenza kube lula ukuqala ukutyalomali.

unxantathu sm ekunene
Ngaba ndingasebenzisa umcebisi we-robo ukuba ndinemfuno ezinzima zemali?

Ngelixa abacebisi be-robo bezona zilungele izicwangciso zotyalo-mali ezilula, abantu abaneemfuno zezimali ezinzima banokuzuza kwiimodeli ezixubeneyo ezidibanisa i-automation kunye nokufikelela kubacebisi bemali babantu.

unxantathu sm ekunene
Ingaba abacebisi be-robo bajongana njani neerhafu?

Abacebisi abaninzi be-robo banikezela ngezicwangciso zokuphucula irhafu, njengokuvunwa kwelahleko yerhafu, ukunceda ukunciphisa uxanduva lwakho lwerhafu kunye nokwandisa ukubuyiswa kwerhafu emva kwerhafu.

Umbhali: UArsam Javed
UArsam, iNgcali yoRhwebo enamava angaphaya kweminyaka emine, waziwa ngohlaziyo lwakhe lwemalike yezemali. Udibanisa ubuchule bakhe bokurhweba kunye nezakhono zokucwangcisa ukuphuhlisa abacebisi bakhe beeNgcali, ukuzenzekelayo kunye nokuphucula izicwangciso zakhe.
Funda ngakumbi ngoArsam Javed
Arsam-Javed

Ushiye uluvo

Top 3 Brokers

Igqityelwe ukuvuselelwa: nge-11 Nov. 2024

Exness

4.5 kwi 5 iinkwenkwezi (19 iivoti)
okutrade logo

I-AvaTrade

4.4 kwi 5 iinkwenkwezi (10 iivoti)
I-76% yokuthengisa CFD iiakhawunti zilahlekelwa yimali
mitrade kwakhona

Mitrade

4.2 kwi 5 iinkwenkwezi (36 iivoti)
I-70% yokuthengisa CFD iiakhawunti zilahlekelwa yimali

U no kuthanda

⭐ Ucinga ntoni ngeli nqaku?

Ngaba uyifumene iluncedo le posi? Phawula okanye ukale ukuba unento oyithethayo ngeli nqaku.

Fumana Iimpawu zokurhweba zasimahla
Ungaze Uphoswe Ithuba Kwakhona

Fumana Iimpawu zokurhweba zasimahla

Esizithandayo ngokujonga nje

Sikhethe phezulu brokers, ukuba unokuthembela.
UtyaloXTB
4.4 kwi 5 iinkwenkwezi (11 iivoti)
I-77% yeeakhawunti zokuthengisa ezithengisayo zilahlekelwa yimali xa kuthengiswa CFDs nalomboneleli.
UrhweboExness
4.5 kwi 5 iinkwenkwezi (19 iivoti)
BitcoinCryptoI-AvaTrade
4.4 kwi 5 iinkwenkwezi (10 iivoti)
I-71% yeeakhawunti zokuthengisa ezithengisayo zilahlekelwa yimali xa kuthengiswa CFDs nalomboneleli.

Iifayile

Sihlela ngohlelo oluphezulu ngokungagqibekanga. Ukuba ufuna ukubona ezinye brokers mhlawumbi uzikhethe kuhla okanye ucuthe uphendlo lwakho ngezihluzo ezininzi.
- isilayidi
0 - 100
Ukhangela ntoni?
Brokers
ummiselo
iqonga
Idiphozithi / Ukurhoxiswa
Uhlobo lwe Akhawunti
Indawo yeOfisi
Iimpawu zoBroker