{"id":12371,"date":"2018-03-23T12:23:39","date_gmt":"2018-03-23T19:23:39","guid":{"rendered":"http:\/\/www.marketriders.com\/investing\/?p=12371"},"modified":"2018-03-23T12:23:39","modified_gmt":"2018-03-23T19:23:39","slug":"robo-adviser","status":"publish","type":"post","link":"https:\/\/www.marketriders.com\/investing\/robo-adviser\/","title":{"rendered":"Robo-Advisers Vs. Human Advice For Your Investments"},"content":{"rendered":"

Increasingly, the most important question investors have to ask themselves is, should man or a machine manage my\u00a0money?<\/p>\n

Online, technology-driven investment firms\u00a0have won billions of dollars in client assets. Millennial investors, the recent college graduates and young employees just starting to save for retirement, quickly have adopted the so-called “robo-adviser” model, and their parents could follow.<\/p>\n

Naturally, the rise of the robo-advisers<\/a> has many investors confused \u2014 and many longtime financial advisers worried.<\/p>\n

\"\"<\/p>\n

Robo firms do a lot of things right. Their technology platforms are first-class and easy to use, thus their attractiveness to\u00a0young investors.<\/p>\n

Automated, technology-driven investing\u00a0encourages people to stop trading stocks and instead to invest their money, usually via low-cost index funds.<\/p>\n

Importantly, the robo-advisers manage portfolios on a systematic basis<\/a> rather than by attempting to time the market, that is, getting in and out based on predictions. A lot of powerful investing\u00a0habits are ingrained into the software itself, reducing\u00a0the risk avoidable\u00a0emotional decisions.<\/p>\n

The\u00a0focus among robo-adviser firms on index funds is likely to help investors avoid the greed common among small\u00a0investors prone to chasing hot stocks. That\u2019s a wonderful improvement.<\/p>\n

But take a step back. What prevents a first-time investor (or even a seasoned one) from panicking during a\u00a0bear market, those unpredictable periods when stocks don’t measure up to expectations? That\u2019s the heart\u00a0of human investing.<\/p>\n

A live, human adviser can act as an emotional\u00a0circuit breaker during a bear market, protecting the investor from bad choices made in the heat of the moment.<\/p>\n

Market extremes<\/h2>\n

Over time, your behavior at market extremes is what determines your return on any investment. Handling emotional times in the markets\u00a0is best managed by an objective third party, a person with historical perspective who has a vested interest in your success.<\/p>\n

In other words, a financial adviser is still a good way to achieve your long-term goals.<\/p>\n

The reason people earn poor investment returns and therefore fail to achieve their goals is because of mistakes caused by emotions at market extremes<\/a>. That hasn\u2019t changed in a hundred years, nor is it changing in the next hundred.<\/p>\n

Investing technology is a\u00a0useful, important tool. But using a robo-adviser means you have to be able to self-advise at times of doubt. For some, that might be a tall order.<\/p>\n

MarketRiders, Inc. is a registered investment adviser.\u00a0 Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.\u00a0 Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and\/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.<\/i><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"

Increasingly, the most important question investors have to ask themselves is, should man or a machine manage my\u00a0money? Online, technology-driven investment firms\u00a0have won billions of dollars in client assets. Millennial … Read more →<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":12411,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_wp_rev_ctl_limit":""},"categories":[8],"tags":[],"yoast_head":"\nRobo-Advisers Vs. Human Advice For Your Investments | MarketRiders<\/title>\n<meta name=\"description\" content=\"Investing technology is a\u00a0useful, important tool. 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