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.
July is a month of fun-filled activities for kids and teens as long as you know where to find them. When you want some fun activities for July, consider these ideas happening in this month.
Secret of the Dragon Time Monday, July 1, 2017, 10:30 a.m. Cost Adult:$7.40 Children(under15): half Booking Phone the booking office:34032578 Address Brisbane Botanic Gardens Note Secret of the Dragon is a magical story about 2 children who are taken on a dragon ride to explore the universe. |
The Search for life: Are We Alone? Time Thursday, July 4, 2017, 2:00 p.m. Cost Adult:$14.50 Children(under15): $8.70 Booking Phone the booking office:34037689 Address Brisbane Botanic Gardens Note Are we truly alone in space? Is there any life out there? These are the questions asked in this show. |
Magic Class Time Friday, July 12, 2017, 10:00 a.m. Cost Free Booking Please call 34038470 to book your Place. Address Centenary Community hub, 171 Dandenong Rd Note Would you like to be a magician? Then join David, the magician, to learn about real magic with playing cards, coins, ring ropes and DIY projects and be able to become the life of the party. |
Science with Me: Making your own guitar Time Saturday, July 20, 2017, 3:00 p.m. Cost Free Booking Please call 34031226 to book your Place. Address 10, Egginton Close Note Do you want to make a guitar with Katy and her mum? Science with Me is going to be with you. Please remember to bring a piece of wood, a hammer, some rubber bands and some nails with you. |
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