题型:阅读理解 题类:常考题 难易度:普通
河北省保定市涞水波峰中学2018届高三上学期英语期末联考试
For many of us, talking about money is embarrassing, especially revealing our income and spending habits in public. So it's no wonder that seeking investment advice from computer program is so popular.
Consultancy firm Accenture found that 68% of global consumers would be happy to use robot-advice to plan for retirement, feeling it would be faster, cheaper, and fairer than human advice. “Many of our customers say they feel awkward in face-to-face meetings, preferring an online experience where they don't feel nervous,” says Lynn Smith, a director of robot-advice firm Wealth Wizards. So how does robot-advice work and is it really any better than traditional financial advice?
Robot-adviser firms use algorithms (算法) to analyse your financial situation and goals and then work out an investment plan to suit you. Basically, you answer lots of questions online about your income, expenses, family situation, attitude to risk and so on, and then the algorithm allocates (分配) your savings to a series of investments, from index funds that aim to imitate a particular stock market index or sector, to fixed-income bonds.
Robot-advice is certainly growing in popularity. But are we really happy to give up the human adviser completely? “No” is the short answer. Accenture finds that a significant proportion of us still want human interaction, particularly when our finances are complex. “When a customer needs advice surpassing a number of different regulatory regimes, human advice will be required, says John Perks, managing director of life and pensions at UK insurer LV, which launched its Retirement Wizard robot-advice service two years ago.
The truth is that only about a quarter of funds managed by clever humans overcome the market as a whole, so when you take into account the much higher management fees you pay for that kind of service, the performance difference is likely to be marginal (微不足道的) for most of us.
The robots may be coming, but in this case at least, they seem to be on the side of the small investor trying to save for a comfortable retirement.
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