Robo advisors are coming, and robo finances are unreliable

If you need to invest in wealth management, recommend ABC wealth management products, and purchase ABC wealth management products according to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Personal Service-Investment and Wealth Management-Bank Wealth Management", and filter the product information you need according to your needs.

Since May 27, 2016, the personal online banking and palm banking channel "Kuaiyibao" has been renamed as "ABC Kuaiebao", and the contracted product has been changed to "ABC Dividend Daily Settlement A (000907)", and the contract is signed with the first business, that is, the first business is signed at the same time, and the functions of regular investment, intelligent regular investment, combination, and quick redemption are opened.

The new product supports T+0 real-time redemption, daily settlement of income, and supports the setting of automatic balance transfer, linked credit card and personal loan transfer, and the minimum value of the minimum retention amount is 100 yuan.

The counter contract is still the old "Kuaiyibao", and you need to terminate the old product before you can sign the new product "ABC Kuaiyi eBao".

How to set up the quick e-treasure business in the personal palm bank: enter the personal palm bank, select "Investment" - "ABC fast e-treasure", and click the setting icon in the upper right corner of the home page to enter the setting homepage. You can cancel the contract of "ABC Express e-Bao", change the bound mobile phone number, enable the automatic transfer in of the balance of the closed balance, and turn off the automatic transfer out.

What is robo-finance? Are robo-finances reliable? Many friends are asking what robot financial management is, whether it is reliable and other questions, it is estimated that everyone has other questions about robot financial management, and has collected relevant information, hoping to help everyone.

What is robo-finance?

"Robot financial management" is a virtual robot based on the customer's own financial needs, through algorithms and products to complete the financial advisory services provided manually. Users don't need to have much knowledge of the market and financial products to use the service.

Users can adjust the risk level by adjusting the pointer to adjust the capital allocation ratio between the two investment items. For example, the user chooses two investments on **, one of which is a ** portfolio, and the other is a "super safe" bond portfolio. After the user makes adjustments, the system will help you calculate the expected annualized expected rate of return, and will also tell you whether it exceeds your risk tolerance.

So, are robo-finances reliable? Robo-money management emerged in the United States, and it is widely known as Charles Schwab in the United States. Internet unicorns such as Betterment and WealthFront have been born in this field.

Judging from the development of robots in the United States, the future can be expected. There are industry insiders**, and domestic robot financial management will break out next year.

Robo-advice can also be called robo-advisor, intelligent financial management, automated financial management and other robo-advisory according to the requirements of investors' risk tolerance, expected return goals and investment style preferences, using a series of intelligent algorithms, portfolio optimization and other theoretical models to provide users with investment reference, and monitor market dynamics, automatic rebalancing of asset allocation, and improve the return on assets, so as to allow investors to achieve "zero foundation, zero cost, expert level" Dynamic asset investment allocation. Dingdong Wallet will also officially begin to enter the robo-advisory market and launch robo-advisory products, which are expected to be officially launched in the second half of the year.

Robo-advisory services are committed to providing investors with professional, convenient, low-cost, fully transparent, all-digital and personalized one-stop global asset allocation services.

Robo-advice can also be called robo-advisory, intelligent financial management, automated financial management, etc. Robo-advisors use a series of intelligent algorithms, portfolio optimization and other theoretical models to provide users with investment references, monitor market dynamics, automatically rebalance asset allocation, and improve the return on assets, so as to enable investors to achieve "zero-based, zero-cost, expert-level" dynamic asset investment allocation. Dingdong Wallet, a platform under the listed company Fuguiniao Co., Ltd., will also officially begin to enter the robo-advisory market and launch robo-advisory products, which are expected to be officially launched in the second half of the year.

What you said about robo-financed I said according to my understanding, you make a reference.

Refers to EA, that is, a fully automated trading system, is to use your own or other people's foreign exchange trading strategies in a special programming language (MQL) to write a computer software program (expert advisor), so that the computer according to your pre-set conditions automatically for you to buy and trade, of course, the result depends on how well your automatic trading system is designed.

robo-advisor is growing rapidly in the US market. In 2014, robo-advisor grew rapidly in the United States. As of 2015, it has an AUM of US$50 billion to US$60 billion.

At present, the well-known companies in the U.S. market include Betterment, Wealthfront, Personal Capital, FutureAdvisor, Asset Builder, Vanguard's Personal Advisor Service, etc. Here's a look at the AUM and growth of several companies over the past year.

China is in its infancy in terms of robo-advisors, and a small number of companies have launched robo-advisor products. For example, Micai, Blue Ocean Fortune and other companies. These companies also invest in the U.S. market.

However, due to restrictions on account opening, deposit and withdrawal, these companies have not closed the entire trading process, and there are very few investment users.

Are robo-advisors reliable?

The so-called robo-advisor is actually a wealth management platform based on your information, needs, and habits, and uses a specific algorithm to calculate the investment target (wealth management product) that is suitable for you. Nowadays, many platforms are engaged in this, the gimmick is greater than the reality, to achieve robo-advisory, first of all, to realize the investment advisory function, that is, to speak human words, to provide simple and easy-to-understand investment advice. So I feel that it is unreliable or not, depending on the person, the point is whether it is suitable for you.

What is the best investment advisory software?

What I usually use is the golden beta, which provides some combinations of **and**, that is, according to a certain investment logic, to provide multi****. The point is this investment logic, which provides a lot of portfolios, that is, a lot of investment logic, you have to find the right one for you, and then track it, because the portfolio will adjust the position and change. In addition, Golden Betta also provides some investment advisory tools, you can check the target of your own investment, such as fundamental information, the maximum drawdown of different cycles, etc.