robonõustamise

Robonõustamine, also known as robo-advisory, is a digital service that provides automated, algorithm-driven financial planning and investment management. It typically involves using software to create and manage investment portfolios based on a client's goals, risk tolerance, and time horizon. These platforms often offer a user-friendly interface accessible through websites or mobile applications.

The process usually begins with a questionnaire to assess the user's financial situation and investment preferences. Based on the answers, a robo-advisor constructs a diversified portfolio, often composed of low-cost exchange-traded funds (ETFs). The service then monitors and rebalances the portfolio automatically to maintain the desired asset allocation and adapt to market changes.

Robonõustamine is generally characterized by lower fees compared to traditional human financial advisors, making it an attractive option for investors seeking cost-effective management. It democratizes access to investment services, particularly for individuals with smaller account balances. While it offers convenience and efficiency, robo-advisors may lack the personalized touch and complex financial planning capabilities of a human advisor. Some platforms offer hybrid models that combine automated services with access to human financial professionals for more complex needs.