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准备使用智能投顾?这七个问题要先想清楚

智能投顾是一种基于网络的计算机程序,它允许投资者创建自己的财务计划。 透过算法驱动和使用在线客户调查,智能投顾从个人投资者处收集有关其财务和目标的信息,从而创建并管理投资组合。这类项目有时也被称为“自动投资顾问”或“在线投资顾问”。

得益于Betterment和WealthFront等公司的蓬勃发展,美国的智能投顾市场可以说也是走在了世界前列,仅这些公司管理的资产数量就达到成百上千亿美元。

随着智能投顾的日益普及,银行和证券部门总结了投资者们在选择这种低成本机器投资选项时可能会考虑的问题。

来自宾夕法尼亚银行业务和证券部门的Robin Wiessmann表示,“尽管这些在线服务可能在短期内带来方便,但投资者仍然应该根据其长期投资目标对智能投顾进行评估。”

针对这一问题,Wiessmann建议各位智能投顾投资者在进行投资前,首先考虑好以下这七个问题:

1. 您的投资目标是什么?您想如何达成这一目标?

2. 与使用人工顾问相比,使用智能投顾的成本是多少?

3.在使用智能投顾过程中,您的个人信息是否安全?

4. 您是否愿意通过人际互动来阻止或减少投资建议的数量?

5. 不同的智能投顾使用的投资方式分别是什么?

6. 您的钱是被直接投资,还是流动到可能收取额外费用的其他基金(“馈线基金”)处?

7. 您看中的智能投顾是否获得了适当的许可?

Wiessmann说:

“投资者的底线是,清楚地知道自己的钱都被用到了哪里。智能咨询、投资产品、费用以及其他公司和资金之间的关系并不总是清楚的。 投资者应在投资前进行调查。”

 

Robin Wiessmann, from the Pennsylvania Department of Banking and Securities, reveals a handy checklist for investors considering robo advisors.

The US robo advice market is probably the most developed in the world thanks to the heady growth of firms such as Betterment and WealthFront – among other reasons – which between them have 10s of billions of dollars in terms of their assets under management.

Amid the?growing popularity of robo-advisors, the Department of Banking and Securities has put together questions investors might want to consider before switching to the lower-cost robo investment alternative that offers little or no human interaction.

A robo-advisor is a web-based computer program that allows investors to create their own financial plan. Driven by algorithms and using an online client survey, a robo-advisor collects information from individual investors about their finances and goals to create and manage an investment portfolio. These programs are sometimes also referred to as an “automated investment advisor” or “online investment advisor.”

“While these online services may provide short-term convenience, investors should evaluate robo-advisors in accordance with their long-term investment goals, according to Secretary of Banking and Securities?Robin Wiessmann.

“They promise access to services usually thought of as reserved for only the wealthiest investors. For nearly a decade, reputable companies have offered robo-advice, but investors still need to remain engaged with the way their money is managed by asking important questions.”

Wiessmann pointed to seven questions all investors considering a robo-advisor should ask:

1.What are your investing goals and how do you want to reach them?

2.What are the costs of using a robo-advisor compared to using a human advisor?

3.Is your personal information safe with a robo-advisor??

4.Are you willing to stop or decrease the amount of investing advice you receive through human interaction?

5.What are the different approaches to investing used by different robo-advisors?

6.Is your money being directly invested or sent to other funds (“feeder funds”) that might charge additional fees??

7.Is the robo-advisor properly licensed?

“The bottom line for investors is clearly understanding what is being done with your money,” said Wiessmann.

“The relationships between robo-advisors, investment products, fees, and other companies and funds are not always clear. Investors should always investigate before investing.”


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