ロボアドバイザー確認リスト

米SECのつくった、ロボアドバイザー確認リストが素晴らしいので、箇条書き部分の冒頭のみ、抜粋して紹介しよう。そこらのフィンテック提灯記事とは、ひと味もふた味も違うぜ。

SEC.gov | Investor Bulletin: Robo-Advisers
https://www.sec.gov/oiea/investor-alerts-bulletins/ib_robo-advisers.html

• How much human interaction is important to you?
• What is your level of financial literacy, especially when it comes to investing?
• As with a traditional adviser, you may be interested in how often you will have contact with the robo-adviser.

• Would you use the robo-adviser for a specific financial goal (for example, retirement, buying a home, or investing for your children’s education), or to meet your overall financial needs more broadly?
• Does the robo-adviser’s recommendation take into account relevant personal financial information, given your goal?
• How does the robo-adviser take into account your tolerance for risk?

• Does the robo-adviser offer a limited range of investment products, such as only ETFs?
• Does the robo-adviser only offer certain limited portfolios within those investment products?
• What type of accounts does the robo-adviser manage?
• How does the robo-adviser handle volatility?
• How often is your account rebalanced?

• What fees would you be charged directly by the robo-adviser?
• How is the robo-adviser compensated?
• Are there penalties or fees if you want to withdraw your investment, or transfer or close your account?
• Does the amount you are charged depend on how much money you invest?
• Can the costs and fees change over time?
• Does the robo-adviser pay a referral or marketing fee, or other incentives for finding new clients?

報酬にかかる点も多いが、提供側から見ても儲かる商売とは言えず、継続性やメンテナンスについても気になるところだ。要するにさ、こんなものに期待するより、勘でいこうぜ勘で。