As one of the birthplaces of smart investment, the United States has become a leader in the development of smart investment industry. In "Guidelines Update: Robo-Advisers" issued by the Securities and Futures Commission (SEC) in February, 2065438+07, intelligent investment is defined as "a registered investment consultant who provides clients with discretionary account management services based on network algorithm programs and using modern technology". According to the data from June 20 17 to June 20 10, among the top global smart investment companies, the United States has 8 seats, among which the most influential ones are: Fortune Frontier, Better, Pioneer Group, charles schwab Company and individual capital.
In the domestic market, under the impact of internet finance, banks have the slowest response, so they are the hardest hit areas. In the era of smart investment, banks naturally dare not neglect, so the layout is the most positive. China Merchants Bank, China Guangfa Bank and Ping An Bank successively launched smart investment products; Followed by financial technology companies, third-party fund sales platforms and some investment consulting institutions, they launched smart investment products almost at the same time as banks, such as securities firms such as Juanjia App, Toumi RA, Financial Rubik's Cube and Tao Tao Zhitou launched by Shanghai Juanjia and Massive Plus Network Technology Co., Ltd., and some insurance companies and trust companies also launched their own smart investment platforms.
It can be said that the development of the domestic smart investment market is still in its infancy, and there are many immature aspects in both soft and hard technologies. Even so, the convenience brought by smart investment to investors has subverted the traditional investment methods.
First, for the purpose of diversification, many investors have the need to buy a variety of financial products. Traditional investment methods are time-consuming and laborious, but smart investment terminals generally provide one-click purchase function according to investors' preferences, saving time and effort; Second, risk control is more intuitive and strict. The risk assessment questionnaires provided by traditional financial products and intelligent investment platform can't accurately reflect investors' risk demand, but the "product combination supermarket" display mode of intelligent investment makes it easier and more intuitive for investors to choose their own risk rating products, and the "machine financing" mode of intelligent investment overcomes human weakness, and the risk control is stricter than the traditional investment mode. Third, the probability of outperforming the broader market is high. With the help of big data and cloud computing, the intelligent investment platform overcomes the cyclical ups and downs of single investment products such as pure equity funds, pure bond funds and pure money funds. Through the combination of different assets, it seems easier to outperform the market in the long run.
"Institutional customers are relatively professional and have relatively rich investment tools, but from the above three points, the smart investment model is more suitable for ordinary domestic retail investors." The senior management of Quantitative Plus told reporters that from the perspective of vigorously developing inclusive finance, smart investment will also receive policy support.
Shanghai liangjia network technology co., ltd was born out of a financial technology company. Since its establishment one and a half years ago, it has gained a certain reputation in the quantitative investment field and has a group of loyal customers. The downloads of Liangjia App in major app stores are also among the best in similar applications.
With its unique white-box quantification, it has the only back-testing stock selection tool in the national smart investment App that provides white-box visualization. Through Niuren's network platform, folk experts are gathered, and all users can subscribe to all investment services generated by Niuren, such as portfolio, viewpoint and strategy. Quantitative plus more through its strong technical ability, integrate and analyze various information, and dig out a more scientific investment plan.