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细数英国5大电子投资顾问平台

随着英国最大的银行推出电子在线投资顾问服务,电子顾问近来风靡英国。有报道指出,苏格兰皇家银行计划用电子顾问代替正式员工以削减开支。那么电子顾问到底是什么呢?

电子顾问是一项在线财富管理服务。通过一定的内设算法,机器可自动给出理财产品管理建议。它的出现可以代替人类理财经理,顾客将会得到基于个人信息和财富信息的定制投资建议。

在下文中,我们为您列举了英国5大电子顾问平台,它们将引领财富管理行业进入电子时代。

1.Nutmeg

Nutmeg成立于2011年4月,是一家总部位于伦敦的在线投资管理公司。Nutmeg平台共有10款理财产品供顾客选择,风险等级从“谨慎”到“高风险”不等,每款产品都是不同投资资产的组合。Nutmeg为顾客创造了分类投资选项,每类投资不同产品类型。通过这种方式,平台也稀释了投资风险。

这家公司由CEO Nick Hungerford和CTO William Todd领导,主要投资于ETF基金。Nutmeg客户资金不得低于1000英镑,管理费用0.95%起。

2.Money on Toast

Money on Toast通过一个智能算法,收集金融顾问的专业知识,并编写了“在线投资旅程”的程序。该智能算法捕获许多不同专家的观点和发言。该公司宣称,他们的技术和谷歌取代黄页的技术非常类似——“就像谷歌可以取代黄页一样,新技术允许算法像人类顾问一样工作,有时甚至效果更好。”

该在线服务先免费通过一系列问题评估你的经济情况和个人情况,之后从信托、无限制投资公司和盈富基金等理财产品中提供建议。该平台最小投资额度为每月1万英镑,费用为1.69%。

3.Wealth Horizon

Wealth Horizon是一个提供在线投资建议服务的平台,该平台利用学术理论为不同投资需求的顾客定制投资方案。Wealth Horizon会根据每个顾客提供的信息提供一份“个人建议”。 Wealth Horizon宣称,他们的自动程序只是根据顾客提供的信息限制投资建议的某些内容,而不是给出完整投资建议。它旨在提供匹配顾客风险承受能力和风险容量的方案。

一旦做出投资决定,公司投资管理团队根据客户选择的风险等级代表客户买卖投资产品。该公司最低投资额度为1000英镑,费用最初为0.25%,每年大约增长0.93%。

4.Wealth Wizards

Wealth Wizards六年来一直致力于其在线养老金投资建议系统核心技术的开发。该公司利用算法为投资者的个人情况打分,然后定制合适的个性化方案。该打分系统与别的公司使用的决策树算法相比更加优秀,避免了粗糙和大众化的结果。

该公司利用资产调配方案,顾客的养老金被分入不同的投资产品,从而更好的在风险和回报之间找到平衡。Pension Wizard的费用为每个员工每年100英镑,这其中包括了年度审查费用。

5.Fiver a Day

Fiver a Day提供一周7天24小时可自由访问的无额外费用的资产管理服务,该服务是通过一个根据个人偏好做决策的算法实现的。和Wealth Wizards类似,其通过一个打分系统创建投资者对风险的态度。通过一系列分数不同的问题,加总后计算出不同客户的风险耐受度等级,该等级从1(低)到10(高)共有10级。

Fiver a Day服务只面向英国公民,最初费用为0.25%,即每月300英镑投资收取0.75英镑费用,100英镑每月收取0.25英镑费用。更多费用大约是每年0.34%。加上最初费用,投资者每年大约支付0.82%。

Robo-advisers have been hitting the headlines recently, with the UK's biggest banks set to launch automated, online services designed to provide investment advice. Today, it was reported that RBS is moving to axe staff in favour of robo-advisers in order to cut costs, but what exactly are robo-advisers?

Robo-advisers are online wealth management services which provide automated, algorithm-based portfolio management advice. Doing away with the need for human financial advisers, customers get tailored investment advice based on the personal and financial circumstances.

CBR lists 5 UK robo-advisors changing the wealth management landscape, bringing it into the digital age.

1. Nutmeg

Founded in April 2011, Nutmeg is an online investment management company based in London. As an online discretionary investment management company, Nutmeg makes all investment decisions on behalf of its customers, instead of providing a platform for people to trade on. Nutmeg manages 10 portfolios, each with a different mix of investment assets. Ranging from 'cautious' to 'aggressive', Nutmeg works to create a diversified portfolio for the customer, investing money in different types of assets, countries and industry sectors. In this way it dilutes the risk on investments made.

Led by CEO Nick Hungerford and CTO William Todd, Nutmeg primarily uses ETFs (Exchange-Traded Funds) as the primary vehicle used to invest customer funds. Nutmeg has a minimum investment of £1,000 per fund created, with fees starting at 0.95%.

2. Money on Toast

Working via an intelligent algorithm, Money on Toast has collected expert knowledge of financial advisers and programmed an 'online advice journey' based on how they would conduct an appointment with an investor. The intelligent algorithm captures the expertise of many different experts, with the company stating that the new technology is akin to how Google replaced the yellow Pages - 'Just as Google replaced the Yellow Pages, new technology allows an algorithm to perform many of the functions a human adviser could and in some cases, better.'

The free online service guides you through a series of questions designed to assess financial and personal circumstances, with the portfolios on offer spanning unit trusts, OEICS and tracker funds. There is a minimum investment of £10,000 per month, or £500 per month, with fees at 1.69%.

3. Wealth Horizon

Described as an online advised investment management service, Wealth Horizon uses academic theory to build portfolios tailored to investor requirements. Wealth Horizon will give an investor a 'Personal Recommendation', based on the information provided to the company. The automated process is designed to provide advice of a restricted nature based on restricted information provided by the investor, but is not, Wealth Horizon is quick to assert, a full advisory service. It aims to match investment objectives with an investor's risk tolerance and risk capacity.

Once the decision to invest has been made, the company's investment management team makes decisions to buy and sell investments on your behalf in line with the risk grade you have selected. There is an initial 0.25% fee, which rises to c.0.93% per annum, with a minimum investment fee of £1,000.

4. Wealth Wizards

Wealth Wizards have dedicated 6 years to the technology which sits at the core of its online pension advice service. The company uses algorithms to score an investor's profile in order to tailor personal circumstances to suitable solutions. The scoring approach contrasts with the decision-tree approach used by other companies, as these generally result in 'crude' and 'general' results.

Based on academic evidence, the company uses asset allocation of investments - the proportion of your pension pot which is put into different types of investment - as a means of determining the balance of risk vs. reward. The cost of providing advice through Pension Wizard is typically £100 per employee per year which includes an Annual Review.

5. Fiver a Day

Offering 24/7 access and discretionary fund management at no extra cost, Fiver a Day deploys an algorithm based on your personal preferences. Like Wealth Wizards, Fiver a Day works on a scoring system in order to establish an investor's attitude to investment risk. Asked a series of questions, each answer produces a score and these are then aggregated to calculate your specific level of tolerance for risk, from 1 (low) to 10 (high).

Aimed at UK residents only, Fiver a Day charges 0.25% of each initial contribution. That works out at, for example, £0.75 if you invest £300 per month or £0.25 if you invest £100 per month. Further fees are incurred at a rate of 0.34% per annum - together with the initial fees, investors will look to pay fees c.0.82% per annum.


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