Minimum First Funding Amount
Min. investment amount
Minimum Investment Required
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Robo advisor is a smart investment platform - which differs from human investment advisors. It utilizes algorithms to analyze big data such as a client's investment goals and risk factors from cautious to adventurous in order to create investment objectives and provide long-term portfolio management.
Robo-advisors operate without much human intervention and will automatically build, manage, and optimize your assets based on the market condition. In addition to lowering costs and manpower involved compared to traditional advisors, investment decisions made by robo-advisors are more objective and rational.
| Brand | Minimum investment amount | Features |
|---|---|---|
| Syfe | HK$10,000 |
|
| Huatai International Securities | US$50 |
|
| SoFi Hong Kong | HK$100 |
|
| WeLab GoWealth | HK$100 |
|
Unlike traditional investment advisors who provide one-on-one service with limited operating hours, Robo Advisors offer round-the-clock service to multiple clients simultaneously, so investors can access the service anytime, allowing them to respond to market trends and adjust their investment portfolios in real-time.
Robo Advisors generally have lower fees compared to traditional investment advisors. With reduced operational costs, fees are more affordable, and the investment threshold can be as low as HK$1,000 with fees below 1%, although investment thresholds and fees vary depending on the service provider.
It takes much time and effort for investment advisors to predict the stock market. Robo advisors can achieve this quickly utilizing big data, helping investors formulate and optimize investment portfolios in order to build wealth.
Personal investments can be influenced by individual biases, and investors may make erroneous judgments driven by emotions. In contrast, Robo Advisors make investment decisions and recommendations based on data analysis and investment analysis profiles, affected by personal emotions or market sentiment, resulting in more rational investment decisions.
Robo Advisors cover a range of asset classes with varying risk levels. They offer diversified investment options across multiple regions, helping investors diversify risks.
| Criteria | Human Advisor | Robot Advisor |
|---|---|---|
| Investment threshold | More expensive | As low as HK$1,000 |
| Charge | 2% or higher | Lower than 1% |
| Applicable Financial Products | Any | Mainly ETF |
| Customized Investment Portfolio | Somewhat customized | Highly customised |
| Factors affecting investment decisions | Data, experience, emotions, market sentiment, etc. | Big data |
| Application | In person | Online |
| Operating Hours | Limited (Office Hours) | 24 hours |
| Suitable for | Investors with large capital | Investors with limited capital |
