r****m
发帖数: 1204 | 1 我在用， 很基本， 不过挺好的， 适合懒人或对投资一点不懂也不想懂的人。
你回答一系列问题， 它决定你的risk tolerance score and investment strategy,
based on that, Wisebanyan creates a portfolio consists of some low cost ETFs
for you, no charge.
Most people can do this themselves, though. |
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m****a
发帖数: 2593 | 2 wisebanyan 现在有 Tax Loss Harvesting 了 |
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r****m
发帖数: 1204 | 13 "Index的寿险就是很好的选择呀" - wrong, 本版已经讨论烂了, 这不是好的选择.
我推荐 wisebanyan, just Google it.
It is a FREE financial service provider that helps investors determine a
risk-appropriate low cost portfolio, then help you construct it, and
rebalance it every month, with NO trading fee!
这是懒人的福音, 早该有了, 但现在刚出来! |
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r****m
发帖数: 1204 | 14 From their website -
WiseBanyan plans to introduce paid investing and client services to
complement our free managed portfolios. Two examples include tax-loss
harvesting and a product we're tentatively calling "financial concierge."
By the way, it is not alone - Robinhood enables you to trade stocks free too
. It has a long waiting list, if anyone wants to sign up, please use my
referral link below (I don't make any money from it, but it will propel me
on their waiting list, it doesn't hurt you,... 阅读全帖 |
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h******e
发帖数: 666 | 15 免费的online financial advisor
不知如何
多谢 |
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w*******s
发帖数: 138 | 16 跟betterment和wealthfront有什么区别吗？除了免费之外？
ETFs |
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r**m
发帖数: 1825 | 17 interface very rudimentary
no mobile apps,
very small company compared to the other two.
not as sophisticated as the other two, (no tax harvesting etc.) |
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w***n
发帖数: 1519 | 18 It's hard to tell how long these companies can last. Why take that risk when
they are simply putting your money in Vanguard's ETFs? |
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r**m
发帖数: 1825 | 19 他们的TLH只有六个月free，之后是要收费的。
不过 Tax Loss Harvesting会导致wash sale的吧，如果你有其他投资账户的话。
报税的时候会被搞死 |
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m****a
发帖数: 2593 | 20 用了一段时间，他们一直在改进，
一个体会就是，dividend真的很重要啊，指数哪怕不涨，dividend
的回报就是相对大头了。 |
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r****m
发帖数: 1204 | 21 Wealthfront, betterment, wisebanyan, etc. those robo-advisors provide good
and free AA advices, but they don't apply for individual's 401k AA
allocations, which could be a daunting task for someone without any
experience.
wealthminder and paulmerrian provide company-specific 401k advices (if your
company is on their lists).
There are also for-fee 401k allocation services, not many, though, you can
google them. |
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u**o
发帖数: 4652 | 24 FREE是最新趋势，robinhood功能很基本，可以用来买卖小额股票玩玩
WiseBanyan用来玩玩ROBO INVESTING也不错 |
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