Cars driving themselves. Robots sweeping your floors. What's next? Robots managing your money. It's already happening.
The investing(投资) world has changed a lot since 2015 with the age of robo-advisers — or online services that will pick stocks(股票) for you based on your personal financial goals and taste for risk. Just push a button - and you have a brokerage account(佣金账户) filled with a reasonable collection of stocks.
1 But it’s this year that Charles Schwab made it mainstream. It's now as socially acceptable to use a computer to build up your collection of stocks as it is to get a ride or even a date. Schwab customers have $4.1 billion invested with the brokerage company's Intelligent Portfolios offering, as of the end of September. 2 Rival Betterment, which offers a competing service, now has $3.2 billion under management, up 191% from the start of the year.
3 Schwab's average robo-adviser customer age is 44 and 75% of Betterment's customers are older than 32. Robo-adviser customers have $85,000 collections with Schwab and $25,000 with Betterment, on average.
4 That means many more major banks and brokerages will offer robo-advisers in 2016, Naureen Hassan at Schwab. "The technology is becoming mainstream," she says.
Betterment CEO Jon Stein says, “ 5 ” Expect more advice to be added to robo-advisery companies, he says, such as retirement planning. He mentioned that robots can be applied to more fields.
A. Robo-advisers have been tried before.
B. Robo-advisers haven’t been applied before.
C. It just opened the service early this year.
D. Robo-advisers aren't just for young people.
E. Investors are eager to hand over investment management to a computer system.
F. The robots still have some disadvantages.
G. The robots aren't done.