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智能投顾平台Hedgeable关门歇业,市场淘汰已经开始?

国际资讯基于互联网平台的金融业务

智能投顾平台Hedgeable关门歇业,市场淘汰已经开始?

虽然目前智能投顾行业势头正劲,但优胜劣汰已经开始。

本周二,就在Hedgeable成立10周年纪念日前后,这家智能投顾先驱企业决定关闭其管理账户。联合创始人兼首席运营官Matt Kane拒绝发表评论,但通过《巴伦周刊》(Barron's)向客户说明情况,"Hedgeable正在重组,公司决定在8月9日停止规定的投资管理业务。"

直至8月9日,公司将继续管理价值8000万美元的资产,随后客户须将其账户转移到另一家顾问或经纪公司。Hedgeable会将1700名现有客户转介给公司的托管机构Folio Investments,转移客户年内剩余时间无须支付账户月度管理费(一般务费须正常支付)。

在智能投顾领域,想要脱颖而出难度很大。对于许多客户来说,花费是主要因素或唯一因素。许多智能投顾企业几乎不收取费用,要求最低化,使用交易所交易基金,并提供相同类型的低接触服务。曾供职布里奇沃特投资公司的Kane和他的双胞胎兄弟Mike致力于使Hedgeable更加活跃而从市场中脱颖而出。 Hedgeable遵循动量策略,通过比特币公司Coinbase和风险投资基金提供比特币。

Hedgeable很早进入市场而且具有独一无二的特点,但是这些并没有给公司加分,竞争对手Wealthfront和Betterment只满足基本需要却大获成功。

随着竞争的白热化,其他智能投顾也可能坚持不了太久。分析公司BackendBenchmarking出版了一份《智能投顾报告》。在这篇报告中,研究分析师David Goldstone表示, "智能投顾周期正在逐渐成熟,赢家脱颖而出。许多智能投顾企业认为客户会自己上门,某种程度上是这样,但是他们很快就会发现,客户获取成本高于预期。"

Vanguard、Fidelity、Charles Schwab(SCHW)和富国银行(WFC)等公司已经推出了自己的智能投顾服务,独立智能投顾公司还要与其一争高下。在智能投顾发展早期,分析师表示,传统公司可能受到闪耀登场、技术娴熟的新公司的威胁,但是结果则是规模决定一切,而且永远都是这样。

The robo-advisor movement is going strong, but the nuts and bolts of competition are taking out the smaller players.

On Tuesday, Hedgeable, a pioneer in automated advice, will shut down its managed accounts just shy of the company's 10-year anniversary. Co-founder and Chief Operating Officer Matt Kane declined to comment, but referred Barron's to its client note: "Hedgeable is restructuring, and we have decided to discontinue our regulated investment management business effective Aug. 9."

The firm will continue to manage its $80 million in assets until that date, but current clients must transfer their accounts to another advisor or brokerage firm by then. Hedgeable referred its 1,700 existing clients to the company's custodian Folio Investments, which will waive monthly account management fees (but not its ordinary service fees) for the remainder of the year for those who make the switch.

It's hard to stand out in the robo world. For many clients, cost is the main or only factor. Many robo-advisors charge next to nothing in terms of fees, require low minimums, use exchange-traded funds, and offer the same kind of low-touch service. Kane and his twin brother Mike, who hailed from Bridgewater Associates, aimed to make Hedgeable distinct by being more active. Hedgeable followed a momentum strategy and offered bitcoin through Coinbase and a venture-capital fund.

Yet being early to the game and somewhat unique didn't give Hedgeable an edge. It hasn't seen the kind of success that no-frills rivals Wealthfront and Betterment have.

As the competition heats up, other robos may bite the dust. "The robo cycle is maturing and separating the winners from the losers. A lot of robos thought people would flock [to them]—true to a certain extent—but many are finding customer-acquisition costs are higher than they expected," says David Goldstone, a research analyst for the Robo Report, published by analytics firm BackendBenchmarking.

Not to mention independent robos also have to compete with the likes of Vanguard, Fidelity, Charles Schwab (SCHW), and Wells Fargo (WFC), which have rolled out their own versions. Early in the robo-advisor movement, analysts said the traditional firms could be threatened by shiny, tech-savvy newcomers. Turns out scale matters—and it always will.

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