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最有看点的互联网金融门户
传统金融的互联网化国际资讯基于互联网平台的金融业务

美林证券的机器投资顾问适合你吗?

让机器替你理财怎么样?

如果你已经做了多年投资,那你对此可能不太热衷。但如果你是千禧一代,或者对自己的资金管理人或经纪人并不满意,那你对此可能有不同看法。低成本机器顾问服务这一主题近年来得到越来越多的关注。一些投资人认为,这可能是自交易所交易基金后最大的变革。

现在,美国银行通过美林证券旗下的Merrill Edge在线经济服务,搭上了低成本机器顾问服务的列车。美国银行不久将推出Merrill Edge Guided Investing(投资指导)服务,并称这个线上投资顾问项目结合了最好的线上投资与专业化管理的投资组合。投资者仍可与金融顾问交流,并且可以自主决定如何管理自己的理财计划。

这个低成本新计划将催生一项推荐投资策略,这一投资策略由美林证券的投资专家设计,将包括多样化的交易所交易基金投资组合,据称该投资策略将根据每位投资者的需求推荐适宜的投资组合。

美林证券的投资指导服务将针对仅有5000美元的投资者,每年只收0.45%的费用。

为Merrill Edge投资指导服务打造投资策略的是美林证券的首席投资办公室。该办公室会对交易所交易基金以及相关的资产分配作出推荐。

尽管这个机器顾问项目可能有点不同,但事实上,几乎每家公司都做了相关工作,扩大自身在机器顾问市场的份额。Vanguard、Schwab、Fidelity等公司已经开始了机器顾问项目,Betterment及其他众多新兴公司也都发起了自己的机器顾问项目。

投资者需要习惯的一点是,机器顾问是可以自行作出决定的,这意味着无论理财计划如何,机器顾问都会把顾客的资金投资出去。

据CNBC今年夏天报道,Cerulli Associates公司的总经理预计机器顾问管理的资金总量到2020年将增长2500%,达到惊人的4890亿美元。

美国证券交易委员会将于11月14日在华盛顿特区举办金融科技论坛,届时将讨论区块链技术、自动化投资顾问(机器顾问)、线上市场借贷以及众筹等问题。

If you have been an investor for years and years, you might not be too thrilled about letting a bunch of machines manage your money for you. If you are a millennial or if you have been upset with your money manager or broker, maybe you feel differently. The theme of low-cost robo-advisory services has been growing in recent years. Some investors feel this may be the biggest change since the launch of exchange-traded funds.

Now Bank of America Corp., via Merrill Lynch's Merrill Edge is getting into the game. The firm is soon to launch the Merrill Edge Guided Investing. They are calling it an online investment advisory program combining the best of online investing with a professionally managed portfolio. Investors will still get to speak with financial advisors and they can change up how their plans are to be managed.

This new low-cost plan will generate a recommended investment strategy designed by Merrill Lynch investment experts. It will consist of a recommended diversified portfolio of exchange-traded funds which are said to be aligned to each investor's needs.

Merrill Lynch's Guided Investing will be targeted at investors who can start with as little as $5,000.00 and comes with a low 0.45% annual fee.

Merrill Lynch's Chief Investment Office is developing the investment strategies for Merrill Edge Guided Investing. This includes providing its recommendations of exchange traded funds and related asset allocations.

While this effort towards robo-advisors may be a tad different, the reality is that almost every firm is making strides to enter or grow its piece of the pie. Vanguard, Schwab and Fidelity have already launched, as have Betterment and an endless number of other start-ups.

What investors will have to be comfortable with is that robo-advisor accounts are discretionary, meaning that however they are set up they will invest client assets however the plan is set up.

Over the summer, a director of Cerulli Associates was quoted by CNBC as having predicted that the total assets managed by robo-advisors will rise some 2,500% by 2020 - to a whopping $489 billion.

The SEC has even set up a Fintech forum to take place on November 14 in Washington, D.C. The panels at the forum will discuss issues such as blockchain technology, automated investment advice (robo-advisors), online marketplace lending and crowdfunding.

Some professionals remain skeptical of robo-advisors. Others are viewing them as an opportunity. The field is still young enough that many firms will be making tweaks and adjustments to how they want to treat robo-advisory in the quarters and years ahead.


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评论

  • 我爱猫12在 2016/10/08 10:49回复

    管这个机器顾问项目可能有点不同,但事实上,几乎每家公司都做了相关工作,扩大自身在机器顾问市场的份额

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