Hoʻolālāʻia nā papahana hoʻolālāʻo Robo-advisors -online a keʻimi nei e lawelawe i nā lawelawe a ke kākā'ōlelo kālā-i ulu nui i nā makahiki i hala iho nei. He mea kaulana loa lākou i nā mea waiwai kālā hoʻomaka e makemake i kekahi mea 'ē aʻe e "mālama pono" no lākou me ka ukuʻole i nā koina o nā limahana lima.
ʻOʻelua o nā kākā'ōlelo kaulana loa ma kēia kahua, He waiwai nui a maikaʻi, akā, meʻelua mau mōhai likeʻole, hiki iāʻoe ke paʻakikī i ka hoʻoholoʻana i ka mea pono noʻoe.
I kēia lā, e holo mākou a nānā i keʻano o ka waiwai waiwai a me kaʻoi aku maikaʻi, a me kekahi o nā mea'ē aʻe.
ʻImi maikaʻi
ʻOi aku ka maikaʻi o kekahi o nā kūkākūkā mua, a he nui ka poʻe eʻike ana i ka hui ka mea i hoʻomaka i kaʻoihana. Me ka moʻolelo e hoʻi ana i ka makahiki 2008, ke kau aku neiʻo Betterment i ka hoʻokomoʻana i kāu kālā i nā kumukūʻai maʻamau, nā kumu kūʻai kālā likeʻole (ETFs) e pili ana i kahiʻike pilikino i hoʻopihaʻia i ka wā e wehe ai i kahi pūʻulu hou.
Hiki iāʻoe ke hoʻomaka me ka hapa palenaʻole, aʻoi aku ka maikaʻi o ka 100% o kāu kālā. ʻAʻoleʻoe i kaupalena pololei i kāu moʻokāki; ua hoʻokomo kokeʻia nā mea a pau ma muli o kāuʻike pilikino.
ʻO kekahi o nā hiʻohiʻona nui a nā mea waiwai e hoʻonui ai i ka hauʻoli me Betterment, he mea hōʻiliʻili kālā . Ma mua, aia wale nō e like me ka hoʻonaʻauao limaʻana no nā mea waiwai waiwai, maikaʻi a kūʻai a kūʻai akuʻo Betterment's algorithms i nā palekana i loko o kāu kōpili e lawe i nā lilo o kaʻauhau, me ka hoʻohaʻahaʻaʻana i ka loaʻa kālā o nā kālā no ka IRS.
Ma ka manawa lōʻihi, hiki ke hoʻonui i ka hōʻiliʻili kālā hōʻemi i ka mālama kālā nui. Hiki ke hōʻoki i ka $ 3,000 ma ka makahiki o ke kālā loaʻa kālā a hoʻopuka i mua inā heleʻoe.
ʻO ke kumu kūʻai maikaʻiʻoi aʻe he 0.25 pakeneka ma nā kālā a pau a hiki i kahi $ 2 miliona palekana a me nā uku no nā uku ma mua o kēlā.
Ka nānā waiwai
Pēlā i loaʻa ai ka waiwai waiwai i ka 2008, akāʻaʻole i hiki mai kona loiloi i kēia manawa a hiki i ka makahiki 2011, me ka hāʻawiʻana i kahi maikaʻiʻoi aʻe o nā makahiki heʻekolu i kahi māhele aʻo robo.
Eia naʻe, hāʻawi akuʻo Treasuryfront i kahi huahana kūikawā e hāʻawi ana iāʻoe i nā hopenaʻauhau maikaʻi aʻe ma mua o ka hiki iāʻoe ke loaʻa me ka Better harvest's harvest harvest: Direct indexing.
ʻO ka hoʻonohonoho kuhikuhiʻana he lālā hōʻiliʻili'ānai kālā, akā ma kahi o ka hoʻokomo waleʻana i nā ETF wale no nā mea kūʻai, kūʻai pono nā waiwai algorithms ma ka S & P 500 mau kiko. Hāʻawiʻia kēia maheleʻoihana i nā hōʻailona hōʻiliʻili hapa nuiʻoi aʻe ma mua o ka hoʻolālāʻana o ka hōʻiliʻili o kaʻaiʻana ma kahi o Betterment's ETF. Eia naʻe,ʻo ka kuhikuhi kuhikuhi pololeiʻana no ka helu wale nō i kahi koena o $ 100,000. Ke hikiʻoe i kahi $ 500,000, hiki iāʻoe ke hoʻokomo i ka huahana Indexing nuiʻoi aʻe.
Ināʻole, hāʻawi akuʻo Treasuryfront i kahiʻoihana hoʻolimalima likeʻole aʻoiʻole paha iʻoi aku. Ma hope o ka hoʻopihapihaʻana i kahiʻike pilikino , hoʻoholo ka waiwai waiwai waiwai o Wealthfront ma nāʻano ETF.
Pono ka waiwai waiwai i $ 500 no ka weheʻana i kahi moʻokāki hou a me ka ukuʻana i ka uku he 0.25 o kaʻoihana maikaʻi. ʻAʻohe pilikino ma ka uku, no laila nā pūʻulu kālā ma kahi o $ 2 miliona uku ma mua o Wealthfront ma mua o Betterment. ʻAʻohe kuleana o nā kuleana waiwai ma nā kālā i lalo o $ 10,000.
Nā Robo-Advisors e Noʻonoʻo
Nā Pakuhi Manaʻoʻo Sidwab : Inā i loaʻa iāʻoe kahi pilina me Charles Schwab, pono pahaʻoe e pili i ka huahana kālepaʻo Schwab.
He lanakila kēia ma muli o ka hiki mai me ka ukuʻole. ʻOiaʻiʻo,ʻo nā kālā āu i loaʻa ai ma o ka Intelligent Portfolios e ka uku e uku i nā uku-ʻaʻohe mea'ē aʻe ināʻoe i hoʻomolei pono aku iā lākou. Pono nā hōkeo i kahi palekana $ 5,000.
WiseBanyan : Loaʻaʻo WiseBanyan no ka ukuʻole-kūkā me ka heluʻoleʻana. ʻO nāʻano kiʻekiʻe e like me ka hōʻiliʻili kālāʻana, nā mea i komo i loko o kekahi huahana hoʻokūkū, e koi i ka uku hou. Ināʻoe he mea hana waiwai hou me kahi kōkoʻiki liʻiliʻi a ke'aʻahia loa-pale paha, hiki paha iāʻoe ke noʻonoʻo WiseBanyan.
Pukewaiwai :ʻO ka waiwai waiwai kahi koho'ē aʻe me ka loaʻaʻole o ka palena palena palenaʻole, akā, he 0.4 pakeneka i ka 0.5 pakeneka o nā kumu hana, e hoʻonui iā lākou ma mua o kaʻaha kūkā. Loaʻa ka hōʻiliʻili kālā ma ka Waiwai Waiwai no nā kālā ma luna o $ 100,000.
Uaʻike nuiʻia ka waiwai no ka hāʻawiʻana i nā koho kōpili i pili i ka pilina.
ʻO ke kālā pilikino :ʻO ke kālā pilikino ke hāʻawi aku i nā pono hana waiwai pilikino ponoʻole no nā mea hoʻokomo kālā a hāʻawi pū i ka mālama kālā no kahi uku. Hoʻolimaʻia nā hoʻolālā kālā pilikino me ke kāpili kūkākūkā a me ke kākoʻo o ke kanaka. Ināʻaʻoleʻoe eʻoluʻolu e hāʻawi i nā kī i kahi kamepiula,ʻo ka pilina pilikino he kahua waena maikaʻi. Hoʻolālā ka hui i nā mea waiwai i $ 100,000 aʻoi aʻe paha i nā waiwai waiwai i kūʻaiʻia, akā,ʻaʻole i like kona uku kūʻai. ʻO ka poʻe i loaʻa i kahi $ 1 miliona o nā waiwai e uku i ka 0.89 pakeneka.
Ka maikaʻi a me ka pono:ʻO wai ka mea maikaʻi?
Loaʻa i nā Betterite a me ka waiwai waiwai keʻano kiʻekiʻe, pono nā huahana i mālamaʻia e nā hui o nā mea hoʻolimalima kālā hoʻolālā e nānā ana e loaʻa iāʻoe ka hoʻihoʻi kiʻekiʻe loa ma ka hoʻokomo. Ma muli o nā koho uku uku a me nā koho hapaʻaiʻiliahi, eʻoi aku ka maikaʻi no kahi waihona kiko'ī o nā mea kālā.
ʻO Robo-Advisor maikaʻi loa no ka New Investors New: Pai
Mahalo i ke kaulikeʻana i ka palena palena, ka hoʻonohonoho kūpono o ka haipule, a me ka moʻaukala no ke alakaʻiʻana i ka mākeke no ke kālai waʻa,ʻO ka maikaʻiʻoi aku ka koho maikaʻi loa no nā mea hou e hoʻolālā ana i ke kālā ma ke kālepa. ʻike pūnaewele.
Ma muli o ke kūkuluʻiaʻana o ka hōʻiliʻili kālā ma loko, hiki i kekahi mea waiwai kālā ma Betterment ke hoʻohana i nā manawa i waiho muaʻia no nā mea waiwai waiwai nui me kahi'ōpū nest liʻiliʻi.
Hāʻawiʻo Waiwai waiwai i nāʻenehana kūʻokoʻa kālāʻole ma nā portfolios ma lalo o $ 10,000, a hāʻawi iā lākou i ka wāwae ma luna o Betterment ma kēlāʻaoʻao; akā,ʻaʻole iʻoi aku ka liʻiliʻi e wehe ai iʻoi aku ka maikaʻi o ka mea lanakila.
ʻO Robo-Advisor maikaʻi loa no nā Pakuhi Kiʻi $ 500:'Owaiwaikai
Inā loaʻa iāʻoe kekahi kōpili $ 100,000 aʻoi aku paha,ʻo Wealthfront ka makanaʻoi loa ma kahi lōʻihi. Mahalo i kona papa kuhikuhi hoʻopili helu kuhikuhi maʻamau, hiki i nā mea waiwai ke loaʻa i kahi kūpono ma Bettermore ma ka wā lōʻihi.
E kokoke ana nā uku i waena o nā huiʻelua no nā portfolios mai $ 10,000 a $ 2 miliona. Ma kahi o $ 2 miliona,ʻoi aku ka maikaʻi o ka maikaʻi, akā, inā hiki iāʻoe ke loaʻa he 0.25 pakeneka waiwai mai ka papa kuhikuhi kuhikuhiʻana,ʻoi aku ka maikaʻi oʻoe ma waho o Usalthfront.
No kekahi mea kālā e hoʻonui i ka $ 500 no ka hoʻokomoʻana i kāu pūnaewele hou, hiki ke kūʻaiʻia kahi waiwaiʻo $ 100. ʻAʻole hiki iāʻoe ke kuʻikuʻi free, no laila, ka waiwai o Bestalth ka koho maikaʻi loa no nā mea waiwai nui e hoʻomaka ana me nā robo-advisors.
ʻAʻole hiki iāʻoe ke hele hewa me Robo-Advising
Ua kūpono ka maikaʻi a me ka waiwai maikaʻi i ka wā i komo mua ai lākou i ka mākeke ma kahi kokoke i hoʻokahi mau makahiki i hala. Akā, i nā makahiki ma hope mai, ua hele aku kaʻaha kūkā mai kahiʻaoʻao a hiki i ka papa. ʻAʻole hiki i nā mea hoʻokele hou ke hele hewa me kēlā. Ināʻoe e kali ana e kālepa no ka meaʻaʻoleʻoe iʻike i keʻano o nā lāʻau e koho ai, ua kūpono nā robo-advisors iāʻoe.