{"id":7001,"date":"2022-05-02T05:53:04","date_gmt":"2022-05-01T21:53:04","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=7001"},"modified":"2022-05-08T23:31:00","modified_gmt":"2022-05-08T15:31:00","slug":"robo-advisor%e7%9a%84%e7%99%bc%e5%b1%95","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2022\/05\/robo-advisor%e7%9a%84%e7%99%bc%e5%b1%95\/","title":{"rendered":"Robo Advisor\u7684\u767c\u5c55"},"content":{"rendered":"

Robo Advisor\u7684\u767c\u5c55<\/strong><\/span><\/h2>\n

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Robo Advisor \u7684\u4e2d\u6587\u540d\u7a31\u53eb\u505a\u300c\u6a5f\u68b0\u4eba\u6295\u8cc7\u9867\u554f\u300d<\/span><\/strong>\uff0c\u5176\u5b9a\u4f4d\u662f\u8655\u65bc\u500b\u4eba\u6295\u8cc7\u8005\u81ea\u5df1DIY \u64cd\u76e4\uff0c\u8207\u53ca\u7531\u8ca1\u5bcc\u7ba1\u7406\u4eba\u7167\u9867\u7684\u6709\u9322\u4f6c\u4e4b\u9593\uff0c\u898b\u4e0b\u5716\uff1a<\/span><\/p>\n

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\u65bcMorningstar \u7684\u5831\u544a<\/a>\u4e4b\u5167\uff0c\u5c55\u793a\u4e86Robo Advisor \u7684\u767c\u5c55\u60c5\u6cc1\uff0c\u4f8b\u5982\u4e0b\u5716\u6307\u51faVanguard,\u00a0 Schwab, Betterment \u53caWealthfront\u00a0 \u5df2\u6210\u70ba\u696d\u5167\u9f8d\u982d\u3002\u800c\u4e14Robo Advisor \u8fd1\u5e74\u6240\u7ba1\u7406\u7684\u8cc7\u7522\u7e3d\u503c\u9010\u5e74\u905e\u589e\uff0c\u6bcf\u5e74\u4ee5\u8d85\u904e30%\u7684\u901f\u5ea6\u5feb\u901f\u589e\u9577\u3002<\/span><\/p>\n

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Robo Advisor \u7684\u512a\u9ede\u5728\u65bc\u81ea\u52d5\u5316<\/span>\u53ca\u4e0d\u7528\u7406\u4e4b\u5916\uff0c\u9084\u6709\u7684\u662f\u4f4e\u6536\u8cbb<\/span>\uff0c\u770b\u770b\u4e0b\u5716\u7684\u6536\u8cbb\u6bd4\u7387\uff0c\u8cc7\u7522\u7ba1\u7406\u898f\u6a21\u6108\u5927\u7684Robo Advisor \uff0c\u6536\u8cbb\u6108\u4fbf\u5b9c\uff0c\u898f\u6a21\u6548\u76ca\u5341\u5206\u660e\u986f\uff0c\u884c\u696d\u5e73\u5747\u6536\u8cbb\u662f0.3%\u3002<\/span><\/p>\n

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\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5f37\u7a4d\u91d1\u7684\u6210\u4efd\u57fa\u91d1\u6295\u8cc7\u7ba1\u7406\u6536\u8cbb\uff0c\u6700\u5927\u7684\u5f37\u7a4d\u91d1\u516c\u53f8\u7adf\u7136\u662f\u6536\u8cbb\u6700\u9ad8\uff0c\u5c24\u5176\u662f\u9f8d\u982d\u7684\u5b8f\u5229\u53ca\u53cb\u90a6\uff0c\u898b\u6b64<\/a>\u3002<\/span><\/p>\n

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Robo Advisor \u7684\u6295\u8cc7\u5efa\u8b70<\/span><\/strong>\u65b9\u5411\uff0c\u6700\u57fa\u672c\u7684\u662f\u6309\u5e74\u9f61, \u98a8\u96aa\u627f\u53d7\u80fd\u529b\u53ca\u6295\u8cc7\u76ee\u6a19\u7b49\u53bb\u5206\u914d\u80a1\u50b5\u6bd4\u4f8b<\/span>\uff0c\u672c\u7ad9\u8b80\u8005\u5c0d\u6b64\u61c9\u8a72\u4e0d\u6703\u964c\u751f\uff0c\u56e0\u70ba\u5f37\u7a4d\u91d1\u5167\u7684\u9810\u8a2d\u6295\u8cc7\u7b56\u7565<\/span>\u6b63\u662f\u5982\u6b64\u64cd\u4f5c\u3002<\/span><\/p>\n

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\u4e0d\u904e\uff0c\u4f5c\u70ba\u6536\u8cbb\u7684\u5c08\u696d\u6295\u8cc7\u9867\u554f\uff0cRobo Advisor \u90fd\u6709\u80a1\u50b5\u4ee5\u5916\u7684\u5176\u4ed6\u6295\u8cc7\u5efa\u8b70\uff0c\u4f8b\u5982\u4e0b\u5716\u7684\u5730\u65b9\u50f9\u5238(Muni bond), TIPS (\u6297\u901a\u8139\u50b5\u5238), \u9ec3\u91d1\u7b49\u7b49\uff0cRobo Advisor \u53ef\u4ee5\u64f4\u95ca\u4f7f\u7528\u8005\u7684\u8cc7\u7522\u7a2e\u985e\uff0c\u4ee4\u8cc7\u7522\u914d\u7f6e\u66f4\u591a\u5143\u5316<\/span><\/strong>\u3002<\/span><\/p>\n

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\u81f3\u65bcRobo Advisor \u7684\u6295\u8cc7\u7b56\u7565<\/span>\uff0c\u4ee5\u904b\u7528index fund \u7684SAA (strategic asset allocation)<\/span>\u00a0\u70ba\u4e3b\uff0c\u914d\u5408\u4e00\u4e9b\u5927\u8def\u4e3b\u984c<\/span>\u5982ESG (\u74b0\u793e\u7ba1),\u00a0 growth & value,\u00a0 \u53e6\u5916\u4ea6\u6709\u4e00\u4e9b\u6703\u904b\u7528TAA (tactical asset allocation)<\/span>\u00a0\u5982 strategic beta (\u5373smart beta)\u00a0 \u8207\u53ca risk parity \u3002<\/span><\/p>\n

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Robo Advisor \u8981\u5e6b\u5ba2\u6236\u64cd\u76e4<\/span>\uff0c\u6700\u57fa\u672c\u662f\u8981\u505are-balancing,\u00a0 \u5373\u662f\u5c07\u5404\u985e\u8cc7\u7522\u7684\u6bd4\u4f8b\u4fdd\u6301\u5728\u6295\u8cc7\u7b56\u7565\u7684\u6307\u5b9a\u7bc4\u570d\u3002<\/span><\/p>\n

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\u73fe\u4eca\u4e16\u4ee3\u8208\u8d77Fintech,\u00a0 \u6240\u4ee5Robo Advisor \u6703\u6574\u5408\u5ba2\u6236\u7684\u5404\u500b\u6295\u8cc7\u6236\u53e3\uff0c\u53c8\u6703\u5236\u8a02\u4e0d\u540c\u7684\u6295\u8cc7\u8a08\u5283\uff0c\u5b89\u6392\u7a05\u52d9\u4e8b\u5b9c\uff0c\u63a7\u5236\u8667\u640d\u8207\u53ca\u5b9a\u671f\u6d3e\u767c\u9000\u4f11\u91d1\u3002<\/span><\/p>\n

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\u5c0f\u7d50<\/span><\/strong><\/span><\/p>\n

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Robo Advisor \u65bc\u500b\u4eba\u7406\u8ca1\u7684\u9818\u57df\u6108\u898b\u91cd\u8981\uff0c\u9664\u4e86\u662f\u61f6\u4eba\u7684\u6295\u8cc7\u52a9\u624b\uff0c\u66f4\u61c9\u8a72\u662f\u5236\u8a02\u9577\u9060\u9000\u4f11\u8a08\u5283\u7684\u5de5\u5177\u3002<\/span><\/p>\n

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\u73fe\u6642\u5f37\u7a4d\u91d1\u6c92\u6709<\/span>\u6b64\u985eRobo Advisor,\u00a0 MPFier.com<\/a> \u90fd\u53ea\u662f\u8cc7\u8a0a\u6536\u96c6\u53ca\u7b56\u7565\u5c55\u793a\uff0c\u7b46\u8005\u90fd\u5e0c\u671b\u53ef\u4ee5\u52a0\u5f37MPFier \u7684\u529f\u80fd\uff0c\u5728\u6eff\u8db3\u5f37\u7a4d\u91d1\u689d\u4f8b\u4e0b\u63d0\u4f9b\u985e\u4f3cadvisor \u7684\u529f\u80fd\uff0c\u4ee4\u5c0dDIY \u6c92\u6642\u9593\u53ca\u8208\u8da3\u7684\u6253\u5de5\u4ed4\uff0c\u53ef\u4ee5\u64c1\u6709\u81ea\u5df1\u7684MPF Robo Advisor<\/strong><\/span> \u3002<\/span><\/p>\n

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\u4e0b\u6587\u7e8c<\/a><\/p>\n

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Robo Advisor\u7684\u767c\u5c55   \u5148\u95b1\u524d\u6587\uff1a   \u6a5f\u68b0\u4eba\u6295\u8cc7\u8005 \u5c08\u8a2a#1- Aqumon…<\/p>\n","protected":false},"author":1,"featured_media":7009,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[1,69],"tags":[39,70,54,28,8,60,7,25,51,27,56],"class_list":["post-7001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","category-69","tag-buy-hold","tag-crypto","tag-position-sizing","tag-28","tag-8","tag-60","tag-7","tag-25","tag-51","tag-27","tag-56"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2022\/04\/Money-Robot.jpg?fit=650%2C400&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-1OV","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7001","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/comments?post=7001"}],"version-history":[{"count":5,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7001\/revisions"}],"predecessor-version":[{"id":7056,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/7001\/revisions\/7056"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/7009"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=7001"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=7001"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=7001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}