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Bob2bob

Bob2bob

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2021-02-12

Great thanks for insights!

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2021-02-14

Red to green

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2021-02-14

Thanks for the insights

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2021-05-20

What would happen if that’s true

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2021-05-20

Interesting insight

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2021-02-18

Wow didn’t expect that at all

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2021-02-16

What do you think will happen?

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2021-02-15

Nice

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2021-02-15

Interesting insights

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2021-03-19

Scoreeeee

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Look at this underappreciated sector for stock-market gains, says strategist.<blockquote>忘记密码混乱吧。策略师表示，看看这个被低估的行业是否能获得股市收益。</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=2136921902","media":"MarketWatch","summary":"The cryptocurrency chaos continued on Thursday, as investor sentiment on stocks exhibited similar ji","content":"<p>The cryptocurrency chaos continued on Thursday, as investor sentiment on stocks exhibited similar jitters. Equities are set to extend declines as crypto markets remain volatile and depressed.</p><p><blockquote>周四，加密货币混乱仍在继续，投资者对股票的情绪也表现出类似的不安。由于加密货币市场仍然波动和低迷，股市将继续下跌。</blockquote></p><p> But let's block out the noise over bitcoin, Elon Musk's tweets, and concerns about inflation and technology-stock valuations.</p><p><blockquote>但让我们屏蔽比特币、Elon Musk的推文以及对通胀和科技股估值的担忧的噪音。</blockquote></p><p> Our call of the day, from strategist Jesse Felder of the Felder Report financial blog , urged investors to look to an underappreciated sector for stock-market gains: energy.</p><p><blockquote>Felder Report金融博客策略师Jesse Felder的《今日看涨期权》敦促投资者关注一个被低估的行业来获取股市收益：能源。</blockquote></p><p> One of Felder's mantras is to look for investing opportunities outside of major indexes. The rise of passive investing, with massive funds passively tracking stock market indexes, makes these opportunities more prevalent and attractive, he said.</p><p><blockquote>费尔德的口头禅之一是寻找主要指数之外的投资机会。他表示，被动投资的兴起，大量基金被动跟踪股市指数，使得这些机会更加普遍和有吸引力。</blockquote></p><p> According to Felder, passive investing has recently become less popular, as investors increasingly embrace variations of ESG: environmental, social, and governance investing, which measures social and environmental impact. That includes the more speculative side of the trend, like green energy stocks Ørsted and Plug Power <a href=\"https://laohu8.com/S/PLUG\">$(PLUG)$</a>, and electric-vehicle companies like Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> and NIO <a href=\"https://laohu8.com/S/NIO\">$(NIO)$</a>.</p><p><blockquote>费尔德表示，被动投资最近变得不那么受欢迎，因为投资者越来越多地接受ESG的变化：环境、社会和治理投资，衡量社会和环境影响。这包括趋势中更具投机性的一面，例如绿色能源股票Ø rsted和普拉格能源<a href=\"https://laohu8.com/S/PLUG\">$（插头）$</a>以及特斯拉等电动汽车公司<a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a>和蔚来<a href=\"https://laohu8.com/S/NIO\">$（蔚来）$</a>.</blockquote></p><p> Felder said this has resulted in portfolios that are more concentrated in popular sectors such as tech, and underweight in the traditional energy sector.</p><p><blockquote>费尔德表示，这导致投资组合更加集中在科技等热门行业，以及传统能源行业的跑输大盘。</blockquote></p><p> \"In this way, ESG has merely served to magnify the momentum that passive index funds create when they allocate more new money to stocks and sectors with rising values, like tech and communications services,\" Felder said, with funds allocating less new money to sectors with falling values, like energy.</p><p><blockquote>费尔德表示：“这样，ESG只会放大被动指数基金将更多新资金分配给科技和通信服务等价值不断上升的股票和行业所创造的动力。”价值下降的行业，例如能源。</blockquote></p><p> \"As a result, opportunities that run counter to these trends have become even more attractive than they otherwise would have,\" he said.</p><p><blockquote>“因此，与这些趋势背道而驰的机会变得比其他情况下更具吸引力，”他说。</blockquote></p><p> The momentum is now shifting. Energy has begun to outperform the rest of the stock market, including tech, and \"many may be asking themselves whether this trend is sustainable.\" Felder thinks it is.</p><p><blockquote>势头现在正在转变。能源已经开始跑赢包括科技在内的其他股市，“许多人可能会问自己这种趋势是否可持续。”费尔德认为是。</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/8ca60c8ba87702d88f1e7cd965b99671\" tg-width=\"1260\" tg-height=\"912\"><span>CHART VIA THE FELDER REPORT BLOG.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图表通过费尔德报告博客。</span></p></blockquote></p><p> Felder pointed to the chart, above, which shows historical weightings within the S&amp;P 500 index. Energy has a smaller portion that it did two decades ago, at the beginning of its last major bull market. Tech and communications-services stocks are slightly below all-time highs notched at the peak of the dot-com bubble.</p><p><blockquote>费尔德指出了上图，该图显示了标普500指数的历史权重。与二十年前上一次大牛市开始时相比，能源所占的份额较小。科技和通信服务股略低于互联网泡沫顶峰时创下的历史高点。</blockquote></p><p> \"For my money, those alligator jaws look more likely to snap shut than to open even wider,\" Felder said.</p><p><blockquote>费尔德说：“在我看来，那些鳄鱼的下巴看起来更有可能snap闭合，而不是张开得更大。”</blockquote></p><p></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Forget the crypto chaos. Look at this underappreciated sector for stock-market gains, says strategist.<blockquote>忘记密码混乱吧。策略师表示，看看这个被低估的行业是否能获得股市收益。</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nForget the crypto chaos. Look at this underappreciated sector for stock-market gains, says strategist.<blockquote>忘记密码混乱吧。策略师表示，看看这个被低估的行业是否能获得股市收益。</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">MarketWatch</strong><span class=\"h-time small\">2021-05-20 20:48</span>\n</p>\n</h4>\n</header>\n<article>\n<p>The cryptocurrency chaos continued on Thursday, as investor sentiment on stocks exhibited similar jitters. Equities are set to extend declines as crypto markets remain volatile and depressed.</p><p><blockquote>周四，加密货币混乱仍在继续，投资者对股票的情绪也表现出类似的不安。由于加密货币市场仍然波动和低迷，股市将继续下跌。</blockquote></p><p> But let's block out the noise over bitcoin, Elon Musk's tweets, and concerns about inflation and technology-stock valuations.</p><p><blockquote>但让我们屏蔽比特币、Elon Musk的推文以及对通胀和科技股估值的担忧的噪音。</blockquote></p><p> Our call of the day, from strategist Jesse Felder of the Felder Report financial blog , urged investors to look to an underappreciated sector for stock-market gains: energy.</p><p><blockquote>Felder Report金融博客策略师Jesse Felder的《今日看涨期权》敦促投资者关注一个被低估的行业来获取股市收益：能源。</blockquote></p><p> One of Felder's mantras is to look for investing opportunities outside of major indexes. The rise of passive investing, with massive funds passively tracking stock market indexes, makes these opportunities more prevalent and attractive, he said.</p><p><blockquote>费尔德的口头禅之一是寻找主要指数之外的投资机会。他表示，被动投资的兴起，大量基金被动跟踪股市指数，使得这些机会更加普遍和有吸引力。</blockquote></p><p> According to Felder, passive investing has recently become less popular, as investors increasingly embrace variations of ESG: environmental, social, and governance investing, which measures social and environmental impact. That includes the more speculative side of the trend, like green energy stocks Ørsted and Plug Power <a href=\"https://laohu8.com/S/PLUG\">$(PLUG)$</a>, and electric-vehicle companies like Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> and NIO <a href=\"https://laohu8.com/S/NIO\">$(NIO)$</a>.</p><p><blockquote>费尔德表示，被动投资最近变得不那么受欢迎，因为投资者越来越多地接受ESG的变化：环境、社会和治理投资，衡量社会和环境影响。这包括趋势中更具投机性的一面，例如绿色能源股票Ø rsted和普拉格能源<a href=\"https://laohu8.com/S/PLUG\">$（插头）$</a>以及特斯拉等电动汽车公司<a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a>和蔚来<a href=\"https://laohu8.com/S/NIO\">$（蔚来）$</a>.</blockquote></p><p> Felder said this has resulted in portfolios that are more concentrated in popular sectors such as tech, and underweight in the traditional energy sector.</p><p><blockquote>费尔德表示，这导致投资组合更加集中在科技等热门行业，以及传统能源行业的跑输大盘。</blockquote></p><p> \"In this way, ESG has merely served to magnify the momentum that passive index funds create when they allocate more new money to stocks and sectors with rising values, like tech and communications services,\" Felder said, with funds allocating less new money to sectors with falling values, like energy.</p><p><blockquote>费尔德表示：“这样，ESG只会放大被动指数基金将更多新资金分配给科技和通信服务等价值不断上升的股票和行业所创造的动力。”价值下降的行业，例如能源。</blockquote></p><p> \"As a result, opportunities that run counter to these trends have become even more attractive than they otherwise would have,\" he said.</p><p><blockquote>“因此，与这些趋势背道而驰的机会变得比其他情况下更具吸引力，”他说。</blockquote></p><p> The momentum is now shifting. Energy has begun to outperform the rest of the stock market, including tech, and \"many may be asking themselves whether this trend is sustainable.\" Felder thinks it is.</p><p><blockquote>势头现在正在转变。能源已经开始跑赢包括科技在内的其他股市，“许多人可能会问自己这种趋势是否可持续。”费尔德认为是。</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/8ca60c8ba87702d88f1e7cd965b99671\" tg-width=\"1260\" tg-height=\"912\"><span>CHART VIA THE FELDER REPORT BLOG.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图表通过费尔德报告博客。</span></p></blockquote></p><p> Felder pointed to the chart, above, which shows historical weightings within the S&amp;P 500 index. Energy has a smaller portion that it did two decades ago, at the beginning of its last major bull market. Tech and communications-services stocks are slightly below all-time highs notched at the peak of the dot-com bubble.</p><p><blockquote>费尔德指出了上图，该图显示了标普500指数的历史权重。与二十年前上一次大牛市开始时相比，能源所占的份额较小。科技和通信服务股略低于互联网泡沫顶峰时创下的历史高点。</blockquote></p><p> \"For my money, those alligator jaws look more likely to snap shut than to open even wider,\" Felder said.</p><p><blockquote>费尔德说：“在我看来，那些鳄鱼的下巴看起来更有可能snap闭合，而不是张开得更大。”</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/forget-the-crypto-chaos-look-at-this-underappreciated-sector-for-stock-market-gains-says-strategist-11621509767?mod=home-page\">MarketWatch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite",".DJI":"道琼斯"},"source_url":"https://www.marketwatch.com/story/forget-the-crypto-chaos-look-at-this-underappreciated-sector-for-stock-market-gains-says-strategist-11621509767?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2136921902","content_text":"The cryptocurrency chaos continued on Thursday, as investor sentiment on stocks exhibited similar jitters. Equities are set to extend declines as crypto markets remain volatile and depressed.\nBut let's block out the noise over bitcoin, Elon Musk's tweets, and concerns about inflation and technology-stock valuations.\nOur call of the day, from strategist Jesse Felder of the Felder Report financial blog , urged investors to look to an underappreciated sector for stock-market gains: energy.\nOne of Felder's mantras is to look for investing opportunities outside of major indexes. The rise of passive investing, with massive funds passively tracking stock market indexes, makes these opportunities more prevalent and attractive, he said.\nAccording to Felder, passive investing has recently become less popular, as investors increasingly embrace variations of ESG: environmental, social, and governance investing, which measures social and environmental impact. That includes the more speculative side of the trend, like green energy stocks Ørsted and Plug Power $(PLUG)$, and electric-vehicle companies like Tesla $(TSLA)$ and NIO $(NIO)$.\nFelder said this has resulted in portfolios that are more concentrated in popular sectors such as tech, and underweight in the traditional energy sector.\n\"In this way, ESG has merely served to magnify the momentum that passive index funds create when they allocate more new money to stocks and sectors with rising values, like tech and communications services,\" Felder said, with funds allocating less new money to sectors with falling values, like energy.\n\"As a result, opportunities that run counter to these trends have become even more attractive than they otherwise would have,\" he said.\nThe momentum is now shifting. Energy has begun to outperform the rest of the stock market, including tech, and \"many may be asking themselves whether this trend is sustainable.\" Felder thinks it is.\nCHART VIA THE FELDER REPORT BLOG.\nFelder pointed to the chart, above, which shows historical weightings within the S&P 500 index. Energy has a smaller portion that it did two decades ago, at the beginning of its last major bull market. Tech and communications-services stocks are slightly below all-time highs notched at the peak of the dot-com bubble.\n\"For my money, those alligator jaws look more likely to snap shut than to open even wider,\" Felder said.","news_type":1,"symbols_score_info":{".SPX":0.9,".DJI":0.9,".IXIC":0.9}},"isVote":1,"tweetType":1,"viewCount":1711,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":130169839,"gmtCreate":1621519366921,"gmtModify":1634188468864,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Interesting insight","listText":"Interesting insight","text":"Interesting 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though","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/130160946","repostId":"1163450347","repostType":4,"isVote":1,"tweetType":1,"viewCount":1583,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":327541527,"gmtCreate":1616112949969,"gmtModify":1634527198718,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Scoreeeee&nbsp;","listText":"Scoreeeee&nbsp;","text":"Scoreeeee","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/327541527","repostId":"2120164599","repostType":4,"isVote":1,"tweetType":1,"viewCount":1826,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":362366784,"gmtCreate":1614598304048,"gmtModify":1703478652474,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Interesting&nbsp;","listText":"Interesting&nbsp;","text":"Interesting","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/362366784","repostId":"2116537556","repostType":4,"isVote":1,"tweetType":1,"viewCount":1618,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387269016,"gmtCreate":1613749374435,"gmtModify":1634552365157,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Hmm interesting","listText":"Hmm interesting","text":"Hmm interesting","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/387269016","repostId":"1161529893","repostType":4,"repost":{"id":"1161529893","kind":"news","pubTimestamp":1613733842,"share":"https://www.laohu8.com/m/news/1161529893?lang=zh_CN&edition=full","pubTime":"2021-02-19 19:24","market":"us","language":"en","title":"Goldman Sachs is joining the robo-investing party — should you?<blockquote>高盛正在加入机器人投资行列——你应该加入吗？</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1161529893","media":"Marketwatch","summary":"‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by so","content":"<p>  ‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.  Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.</p><p><blockquote>加州圣地亚哥的财务顾问万斯·巴斯说，就像在拉斯维加斯一样，众议院通常会获胜。他经营着一家名为Your Dedicated Fiduciary的公司。机器人投资在几乎每个经纪平台上都变得越来越普遍。直到周二，高盛GS(-0.91%)将其机器人咨询服务Marcus限制为至少有1000万美元可投资的人。</blockquote></p><p> Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.</p><p><blockquote>现在，任何拥有至少1,000美元可投资的人都可以使用高盛一些最富有的客户使用的相同交易算法，每年只需支付0.35%的咨询费。但投资专家表示，在跳上机器人投资列车之前，需要考虑更多成本。</blockquote></p><p> “Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.</p><p><blockquote>“就像在拉斯维加斯一样，众议院通常会获胜，”加利福尼亚州圣地亚哥的财务顾问万斯·巴斯(Vance Barse)说，他经营着一家名为Your Dedicated Fiduciary的公司。</blockquote></p><p> Although the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.</p><p><blockquote>尽管35个基点的价格标签对高盛来说是一个“亏损领头羊”，但他表示，公司通常会提出这样的报价，以吸引客户向他们交叉销售银行产品。</blockquote></p><p> “People forget that banks are ultimately in the business of making money,” he said.</p><p><blockquote>“人们忘记了银行最终是为了赚钱，”他说。</blockquote></p><p> Goldman Sachs declined to comment.</p><p><blockquote>高盛拒绝置评。</blockquote></p><p> The company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.</p><p><blockquote>该公司是其他提供数字顾问的主要金融服务公司之一，包括Vanguard、Fidelity和Schwab SCHW，+1.03%，以及Betterment和Wealthfront等初创公司。</blockquote></p><p> Fees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.</p><p><blockquote>机器人顾问的费用从0.25%左右开始，传统经纪商的费用会增加到1%及以上。行业出版物Inside Information对近1,000名理财规划师进行的一项调查发现，投资组合越大，客户支付的费用比例就越低。</blockquote></p><p> The median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.</p><p><blockquote>对于100万美元或以下的投资组合，年费中位数徘徊在1%左右，对于价值500万至1000万美元的投资组合，年费中位数徘徊在0.5%左右。</blockquote></p><p> Robo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.</p><p><blockquote>高盛和Betterment提供的机器人顾问与Robinhood等机器人平台不同。前者建议投资组合专注于交易所交易基金，而Robinhood允许用户投资个人ETF、股票、期权甚至加密货币。</blockquote></p><p> <b>Robo investing as a self-driving car</b></p><p><blockquote><b>机器人投资作为自动驾驶汽车</b></blockquote></p><p> Consumers have turned to robo-investing at unprecedented levels during the pandemic.</p><p><blockquote>在疫情期间，消费者以前所未有的水平转向机器人投资。</blockquote></p><p> The rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.</p><p><blockquote>根据研究和咨询公司艾特集团5月份发布的一份报告，与去年第四季度相比，2020年第一季度的新开户率跃升了50%至300%。</blockquote></p><p> So what is rob-investing? Think of it like a self-driving car.</p><p><blockquote>那么什么是rob投资呢？把它想象成一辆自动驾驶汽车。</blockquote></p><p> You put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.</p><p><blockquote>你输入你的目的地，在后座系好安全带，你的司机（机器人顾问）就会到达那里。作为乘客，如果你担心你的司机把你引向错误的方向，你就不能轻易刹车。如果您赶时间并想更快地到达目的地，也不能踩油门。</blockquote></p><p> Robo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.</p><p><blockquote>机器人投资平台使用先进的交易算法软件，根据个人的风险偏好以及期望的短期和长期回报等因素来设计投资组合。</blockquote></p><p> There are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.</p><p><blockquote>有200多个平台提供这些服务，每年收取的咨询费通常不超过0.5%，而人力投资顾问收取的年费为1%。</blockquote></p><p> And rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.</p><p><blockquote>机器人顾问处理资产的买卖，而不是完全自己投资，这可能成为第二份工作并导致情绪化的投资决策。</blockquote></p><p> Cynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.</p><p><blockquote>嘉信理财数字咨询和创新副总裁辛西娅·洛(Cynthia Loh)不同意这种观点，她认为机器人投资并不意味着让技术控制你的资金。她说，嘉信理财拥有一支投资专家团队，负责监督投资策略并在市场波动期间进行监控，尽管有些服务比其他服务有更多的人工输入。</blockquote></p><p> As she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”</p><p><blockquote>正如她最近在MarketWatch上所写：“关于自动化投资的一个常见误解是，选择机器人顾问本质上意味着将资金的控制权交给机器人。事实是，机器人解决方案结合了自动化和人工组件，在幕后运行事物。”</blockquote></p><p> <b>Robos appeal to inexperienced investors</b></p><p><blockquote><b>机器人吸引缺乏经验的投资者</b></blockquote></p><p> Robo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.</p><p><blockquote>机器人投资往往吸引缺乏经验的投资者或没有时间或精力管理自己投资组合的投资者。巴尔斯说，这些投资者可以对“一劳永逸”的投资方法感到放心，随着时间的推移，让市场做自己的事情”。</blockquote></p><p> That makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.</p><p><blockquote>NerdWallet的投资和退休专家蒂芙尼·拉姆-贝尔福(Tiffany Lam-Balfour)表示，这使得你更容易承受市场波动，因为你不一定必须做出购买或出售资产的冲动决定。</blockquote></p><p> “When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”</p><p><blockquote>“当你投资时，你不会想一直关注市场并说‘哦，我需要摆脱困境’，”她说。“你想让专业人士来帮你度过难关，因为他们知道你的时间范围，他们会自动为你调整你的投资组合。”</blockquote></p><p></p><p> That said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”</p><p><blockquote>也就是说，“你不能指望你的投资只会上涨。即使你有世界上最好的人类财务顾问，你也不能指望这一点。”</blockquote></p><p> Others disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.</p><p><blockquote>其他人不同意，并表示机器人顾问对老年投资者有吸引力。“退休后的规划和支付费用很复杂。有很多选择可以帮助投资者度过难关，机器人投资就是其中之一，”Loh说。</blockquote></p><p> “Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.</p><p><blockquote>“许多深思熟虑的长期投资者发现，他们想要一种更现代、更简化、更便宜的投资方式，而机器人投资正好符合这一要求。他们很乐意让技术来处理更困难、更耗时的日常活动。投资者自己做，”她补充道。</blockquote></p><p> <b>There is often no door to knock on</b></p><p><blockquote><b>常常无门可敲</b></blockquote></p><p> Your robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.</p><p><blockquote>你的机器人顾问只知道你告诉它什么。大多数机器人投资平台上要求您填写的简单问卷将收集有关您的年收入、期望退休年龄以及您愿意承担的风险水平的信息。</blockquote></p><p> It won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.</p><p><blockquote>然而，它不会知道你是否刚刚有了一个孩子，并想开始为他们的教育存钱，或者你是否最近失业了。</blockquote></p><p> “The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.</p><p><blockquote>“那么问题就变成了那个人向谁寻求建议？该平台是否提供建议？如果提供，复杂程度如何？”巴斯说。</blockquote></p><p> Not all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.</p><p><blockquote>并非所有平台都提供个性化投资建议，提供人工建议的混合模式往往会收取更高的年费。</blockquote></p><p> Additionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.</p><p><blockquote>此外，纽约市财务咨询集团Lifelaidout的注册财务规划师罗杰·马(Roger Ma)表示，机器人顾问不一定“在管理资金时首先考虑税收效率”。</blockquote></p><p> For instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.</p><p><blockquote>例如，投资者抵消长期投资税款的一种常见方式是出售已累计亏损的资产。《工作你的钱，而不是你的生活》一书的作者马说，传统顾问通常专注于构建能带来最节税结果的投资组合。</blockquote></p><p> But with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.</p><p><blockquote>但通过机器人投资，为您进行的交易与为许多其他投资者进行的交易是相同的，这些投资者可能属于与您不同的税级。</blockquote></p><p> On top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.</p><p><blockquote>最重要的是，虽然机器人投资可能感觉像是一种简单的投资方式，特别是对于初学者来说，它可能会“使投资过于复杂”，马云说。</blockquote></p><p> “If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.</p><p><blockquote>“如果你只是想尝试一下，并且想感觉自己投资于多元化的投资组合，我不会说绝对不要聘请机器人顾问，”他说。</blockquote></p><p> Don’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.</p><p><blockquote>他补充说，不要排除通过目标日期基金进行投资，该基金选择单一基金进行投资，并根据投资目标随着时间的推移调整头寸。</blockquote></p><p> But not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.</p><p><blockquote>但并不是每个人都能区分机器人的建议和人类的建议。2015年，MarketWatch请四位著名的机器人顾问和四位传统的有血有肉的机器人顾问为一位假设的35岁投资者构建投资组合，投资金额为40,000美元。</blockquote></p><p> The results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.</p><p><blockquote>对于机器人顾问的批评者来说，结果或许令人惊讶。Pinnacle Advisory Group的研究总监Michael Kitces在审查结果后表示，机器人的建议与人类顾问的建议“没有太大不同”。</blockquote></p><p></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Goldman Sachs is joining the robo-investing party — should you?<blockquote>高盛正在加入机器人投资行列——你应该加入吗？</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGoldman Sachs is joining the robo-investing party — should you?<blockquote>高盛正在加入机器人投资行列——你应该加入吗？</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Marketwatch</strong><span class=\"h-time small\">2021-02-19 19:24</span>\n</p>\n</h4>\n</header>\n<article>\n<p>  ‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.  Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.</p><p><blockquote>加州圣地亚哥的财务顾问万斯·巴斯说，就像在拉斯维加斯一样，众议院通常会获胜。他经营着一家名为Your Dedicated Fiduciary的公司。机器人投资在几乎每个经纪平台上都变得越来越普遍。直到周二，高盛GS(-0.91%)将其机器人咨询服务Marcus限制为至少有1000万美元可投资的人。</blockquote></p><p> Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.</p><p><blockquote>现在，任何拥有至少1,000美元可投资的人都可以使用高盛一些最富有的客户使用的相同交易算法，每年只需支付0.35%的咨询费。但投资专家表示，在跳上机器人投资列车之前，需要考虑更多成本。</blockquote></p><p> “Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.</p><p><blockquote>“就像在拉斯维加斯一样，众议院通常会获胜，”加利福尼亚州圣地亚哥的财务顾问万斯·巴斯(Vance Barse)说，他经营着一家名为Your Dedicated Fiduciary的公司。</blockquote></p><p> Although the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.</p><p><blockquote>尽管35个基点的价格标签对高盛来说是一个“亏损领头羊”，但他表示，公司通常会提出这样的报价，以吸引客户向他们交叉销售银行产品。</blockquote></p><p> “People forget that banks are ultimately in the business of making money,” he said.</p><p><blockquote>“人们忘记了银行最终是为了赚钱，”他说。</blockquote></p><p> Goldman Sachs declined to comment.</p><p><blockquote>高盛拒绝置评。</blockquote></p><p> The company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.</p><p><blockquote>该公司是其他提供数字顾问的主要金融服务公司之一，包括Vanguard、Fidelity和Schwab SCHW，+1.03%，以及Betterment和Wealthfront等初创公司。</blockquote></p><p> Fees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.</p><p><blockquote>机器人顾问的费用从0.25%左右开始，传统经纪商的费用会增加到1%及以上。行业出版物Inside Information对近1,000名理财规划师进行的一项调查发现，投资组合越大，客户支付的费用比例就越低。</blockquote></p><p> The median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.</p><p><blockquote>对于100万美元或以下的投资组合，年费中位数徘徊在1%左右，对于价值500万至1000万美元的投资组合，年费中位数徘徊在0.5%左右。</blockquote></p><p> Robo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.</p><p><blockquote>高盛和Betterment提供的机器人顾问与Robinhood等机器人平台不同。前者建议投资组合专注于交易所交易基金，而Robinhood允许用户投资个人ETF、股票、期权甚至加密货币。</blockquote></p><p> <b>Robo investing as a self-driving car</b></p><p><blockquote><b>机器人投资作为自动驾驶汽车</b></blockquote></p><p> Consumers have turned to robo-investing at unprecedented levels during the pandemic.</p><p><blockquote>在疫情期间，消费者以前所未有的水平转向机器人投资。</blockquote></p><p> The rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.</p><p><blockquote>根据研究和咨询公司艾特集团5月份发布的一份报告，与去年第四季度相比，2020年第一季度的新开户率跃升了50%至300%。</blockquote></p><p> So what is rob-investing? Think of it like a self-driving car.</p><p><blockquote>那么什么是rob投资呢？把它想象成一辆自动驾驶汽车。</blockquote></p><p> You put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.</p><p><blockquote>你输入你的目的地，在后座系好安全带，你的司机（机器人顾问）就会到达那里。作为乘客，如果你担心你的司机把你引向错误的方向，你就不能轻易刹车。如果您赶时间并想更快地到达目的地，也不能踩油门。</blockquote></p><p> Robo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.</p><p><blockquote>机器人投资平台使用先进的交易算法软件，根据个人的风险偏好以及期望的短期和长期回报等因素来设计投资组合。</blockquote></p><p> There are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.</p><p><blockquote>有200多个平台提供这些服务，每年收取的咨询费通常不超过0.5%，而人力投资顾问收取的年费为1%。</blockquote></p><p> And rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.</p><p><blockquote>机器人顾问处理资产的买卖，而不是完全自己投资，这可能成为第二份工作并导致情绪化的投资决策。</blockquote></p><p> Cynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.</p><p><blockquote>嘉信理财数字咨询和创新副总裁辛西娅·洛(Cynthia Loh)不同意这种观点，她认为机器人投资并不意味着让技术控制你的资金。她说，嘉信理财拥有一支投资专家团队，负责监督投资策略并在市场波动期间进行监控，尽管有些服务比其他服务有更多的人工输入。</blockquote></p><p> As she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”</p><p><blockquote>正如她最近在MarketWatch上所写：“关于自动化投资的一个常见误解是，选择机器人顾问本质上意味着将资金的控制权交给机器人。事实是，机器人解决方案结合了自动化和人工组件，在幕后运行事物。”</blockquote></p><p> <b>Robos appeal to inexperienced investors</b></p><p><blockquote><b>机器人吸引缺乏经验的投资者</b></blockquote></p><p> Robo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.</p><p><blockquote>机器人投资往往吸引缺乏经验的投资者或没有时间或精力管理自己投资组合的投资者。巴尔斯说，这些投资者可以对“一劳永逸”的投资方法感到放心，随着时间的推移，让市场做自己的事情”。</blockquote></p><p> That makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.</p><p><blockquote>NerdWallet的投资和退休专家蒂芙尼·拉姆-贝尔福(Tiffany Lam-Balfour)表示，这使得你更容易承受市场波动，因为你不一定必须做出购买或出售资产的冲动决定。</blockquote></p><p> “When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”</p><p><blockquote>“当你投资时，你不会想一直关注市场并说‘哦，我需要摆脱困境’，”她说。“你想让专业人士来帮你度过难关，因为他们知道你的时间范围，他们会自动为你调整你的投资组合。”</blockquote></p><p></p><p> That said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”</p><p><blockquote>也就是说，“你不能指望你的投资只会上涨。即使你有世界上最好的人类财务顾问，你也不能指望这一点。”</blockquote></p><p> Others disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.</p><p><blockquote>其他人不同意，并表示机器人顾问对老年投资者有吸引力。“退休后的规划和支付费用很复杂。有很多选择可以帮助投资者度过难关，机器人投资就是其中之一，”Loh说。</blockquote></p><p> “Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.</p><p><blockquote>“许多深思熟虑的长期投资者发现，他们想要一种更现代、更简化、更便宜的投资方式，而机器人投资正好符合这一要求。他们很乐意让技术来处理更困难、更耗时的日常活动。投资者自己做，”她补充道。</blockquote></p><p> <b>There is often no door to knock on</b></p><p><blockquote><b>常常无门可敲</b></blockquote></p><p> Your robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.</p><p><blockquote>你的机器人顾问只知道你告诉它什么。大多数机器人投资平台上要求您填写的简单问卷将收集有关您的年收入、期望退休年龄以及您愿意承担的风险水平的信息。</blockquote></p><p> It won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.</p><p><blockquote>然而，它不会知道你是否刚刚有了一个孩子，并想开始为他们的教育存钱，或者你是否最近失业了。</blockquote></p><p> “The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.</p><p><blockquote>“那么问题就变成了那个人向谁寻求建议？该平台是否提供建议？如果提供，复杂程度如何？”巴斯说。</blockquote></p><p> Not all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.</p><p><blockquote>并非所有平台都提供个性化投资建议，提供人工建议的混合模式往往会收取更高的年费。</blockquote></p><p> Additionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.</p><p><blockquote>此外，纽约市财务咨询集团Lifelaidout的注册财务规划师罗杰·马(Roger Ma)表示，机器人顾问不一定“在管理资金时首先考虑税收效率”。</blockquote></p><p> For instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.</p><p><blockquote>例如，投资者抵消长期投资税款的一种常见方式是出售已累计亏损的资产。《工作你的钱，而不是你的生活》一书的作者马说，传统顾问通常专注于构建能带来最节税结果的投资组合。</blockquote></p><p> But with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.</p><p><blockquote>但通过机器人投资，为您进行的交易与为许多其他投资者进行的交易是相同的，这些投资者可能属于与您不同的税级。</blockquote></p><p> On top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.</p><p><blockquote>最重要的是，虽然机器人投资可能感觉像是一种简单的投资方式，特别是对于初学者来说，它可能会“使投资过于复杂”，马云说。</blockquote></p><p> “If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.</p><p><blockquote>“如果你只是想尝试一下，并且想感觉自己投资于多元化的投资组合，我不会说绝对不要聘请机器人顾问，”他说。</blockquote></p><p> Don’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.</p><p><blockquote>他补充说，不要排除通过目标日期基金进行投资，该基金选择单一基金进行投资，并根据投资目标随着时间的推移调整头寸。</blockquote></p><p> But not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.</p><p><blockquote>但并不是每个人都能区分机器人的建议和人类的建议。2015年，MarketWatch请四位著名的机器人顾问和四位传统的有血有肉的机器人顾问为一位假设的35岁投资者构建投资组合，投资金额为40,000美元。</blockquote></p><p> The results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.</p><p><blockquote>对于机器人顾问的批评者来说，结果或许令人惊讶。Pinnacle Advisory Group的研究总监Michael Kitces在审查结果后表示，机器人的建议与人类顾问的建议“没有太大不同”。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page\">Marketwatch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1161529893","content_text":"‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n\nRobo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.\nNow anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.\n“Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\nAlthough the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.\n“People forget that banks are ultimately in the business of making money,” he said.\nGoldman Sachs declined to comment.\nThe company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.\nFees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.\nThe median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.\nRobo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.\nRobo investing as a self-driving car\nConsumers have turned to robo-investing at unprecedented levels during the pandemic.\nThe rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.\nSo what is rob-investing? Think of it like a self-driving car.\nYou put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.\nRobo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.\nThere are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.\nAnd rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.\nCynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.\nAs she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”\nRobos appeal to inexperienced investors\nRobo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.\nThat makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.\n“When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”\nThat said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”\nOthers disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.\n“Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.\nThere is often no door to knock on\nYour robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.\nIt won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.\n“The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.\nNot all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.\nAdditionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.\nFor instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.\nBut with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.\nOn top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.\n“If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.\nDon’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.\nBut not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.\nThe results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2773,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":384957073,"gmtCreate":1613609521492,"gmtModify":1634552970912,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Please help me comment thanks","listText":"Please help me comment thanks","text":"Please help me comment thanks","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/384957073","repostId":"1114886639","repostType":4,"isVote":1,"tweetType":1,"viewCount":1593,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":384954260,"gmtCreate":1613609479350,"gmtModify":1634552971378,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Wow didn’t expect that at all","listText":"Wow didn’t expect that at all","text":"Wow didn’t expect that at all","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/384954260","repostId":"1109567373","repostType":4,"isVote":1,"tweetType":1,"viewCount":2024,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":385587207,"gmtCreate":1613564599109,"gmtModify":1634553141563,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Nice!","listText":"Nice!","text":"Nice!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/385587207","repostId":"1153738409","repostType":4,"isVote":1,"tweetType":1,"viewCount":2109,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":385587981,"gmtCreate":1613564551643,"gmtModify":1634553141787,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Huat!!!","listText":"Huat!!!","text":"Huat!!!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/385587981","repostId":"1153738409","repostType":4,"isVote":1,"tweetType":1,"viewCount":551,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":385894919,"gmtCreate":1613528347031,"gmtModify":1634553292737,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Wow nice! Thoughts on the 3 picks?","listText":"Wow nice! Thoughts on the 3 picks?","text":"Wow nice! Thoughts on the 3 picks?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/385894919","repostId":"1174381857","repostType":4,"isVote":1,"tweetType":1,"viewCount":518,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":385127816,"gmtCreate":1613524754435,"gmtModify":1634553317093,"author":{"id":"3574761564200146","authorId":"3574761564200146","name":"Bob2bob","avatar":"https://static.tigerbbs.com/244c0ca4952190f68e4350e5b6172dd9","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574761564200146","idStr":"3574761564200146"},"themes":[],"htmlText":"Will they become profitable?","listText":"Will they become profitable?","text":"Will they become profitable?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/385127816","repostId":"1168749416","repostType":4,"repost":{"id":"1168749416","kind":"news","pubTimestamp":1613468978,"share":"https://www.laohu8.com/m/news/1168749416?lang=zh_CN&edition=full","pubTime":"2021-02-16 17:49","market":"us","language":"en","title":"The best thing for Tesla is a slow and steady loss of market share?<blockquote>对特斯拉来说，最好的事情就是缓慢而稳定地失去市场份额？</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1168749416","media":"MarketWatch","summary":"As rivals start to sell electric vehicles in earnest, the market will grow and highlight Tesla’s innovation prowess, protecting the planet in the process.We love Tesla — we’re huge fans of the way the company has made electric cars cool.The Palo Alto, Calif.-based company’s Model 3 is probably the most appetizing lower-cost electric vehicle  on the market today, and is well on its way to becoming a massive success.And Tesla’s rapid escalation in battery production has forced down prices of lithi","content":"<p>As rivals start to sell electric vehicles in earnest, the market will grow and highlight Tesla’s innovation prowess, protecting the planet in the process.</p><p><blockquote>随着竞争对手开始认真销售电动汽车，市场将会增长并凸显特斯拉的创新实力，并在此过程中保护地球。</blockquote></p><p> We love Tesla — we’re huge fans of the way the company has made electric cars cool.</p><p><blockquote>我们热爱特斯拉——我们是该公司让电动汽车变得酷的方式的忠实粉丝。</blockquote></p><p> The Palo Alto, Calif.-based company’s Model 3 is probably the most appetizing lower-cost electric vehicle (EV) on the market today, and is well on its way to becoming a massive success.</p><p><blockquote>这家总部位于加利福尼亚州帕洛阿尔托的公司的Model 3可能是当今市场上最令人垂涎的低成本电动汽车(EV)，并且正在取得巨大成功。</blockquote></p><p> And Tesla’s&nbsp;rapid escalation in battery production has forced down prices of lithium-ion batteries. Yet we’re rejoicing in the news from Schmidt Automotive Research that Tesla has&nbsp;lost market share in the world’s largest EV market, the European Union.</p><p><blockquote>特斯拉电池产量的快速增长迫使锂离子电池价格下降。然而，我们对Schmidt Automotive Research的消息感到高兴，特斯拉在全球最大的电动汽车市场欧盟失去了市场份额。</blockquote></p><p> We’re rejoicing because this is a clear sign of global interest in EVs. In the European Union, Tesla’s loss in market share derived partly from large incumbent automakers’ increasing vigor in making their own EVs more attractive, through both pricing and design diversity.</p><p><blockquote>我们很高兴，因为这清楚地表明了全球对电动汽车的兴趣。在欧盟，特斯拉市场份额的损失部分是由于大型现有汽车制造商越来越热衷于通过定价和设计多样性使自己的电动汽车更具吸引力。</blockquote></p><p> <b>Good for the planet</b></p><p><blockquote><b>对地球有益</b></blockquote></p><p> A broader, deeper market for these fuel-efficient, pollution-free vehicles is good for the planet and will further reduce prices. EVs’ path to further improvement also makes complete sense.&nbsp;In reality, internal combustion engines (ICEs) are today’s horse-and-buggy: well understood, reliable, and with a great infrastructure, but ultimately unable to compete.</p><p><blockquote>这些省油、无污染的汽车拥有更广阔、更深入的市场对地球有好处，并将进一步降低价格。电动汽车的进一步改进之路也完全有意义。事实上，内燃机（ICE）是今天的马车：众所周知，可靠，拥有良好的基础设施，但最终无法竞争。</blockquote></p><p> At the rate at which battery prices (and, by extension, EV prices)&nbsp;are falling and adoption is increasing, all car makers will have commenced publicly phasing out ICEs. General Motors&nbsp;has already taken the plunge and&nbsp;will phase out combustion engines by 2035.</p><p><blockquote>按照电池价格（以及电动汽车价格）下降和采用率增加的速度，所有汽车制造商都将开始公开逐步淘汰内燃机。通用汽车已经采取了行动，将在2035年之前逐步淘汰内燃机。</blockquote></p><p> We won’t be surprised if GM revises this schedule in about three years from now and declares that it will go all electric by 2028, and all of the other carmakers follow.</p><p><blockquote>如果通用汽车在大约三年后修改这一时间表并宣布到2028年将实现全电动化，并且所有其他汽车制造商都效仿，我们不会感到惊讶。</blockquote></p><p> The history of technology foretells the future of electric cars. The accelerometer, a system that measure how fast an object is accelerating or decelerating, exemplifies the process. In the 1950s, early accelerometers allowed ballistic missiles to maintain their trajectories.&nbsp; They cost many thousands of dollars.&nbsp;Today, accelerometer chips more sensitive than those that rode in missile cones cost a few dollars or less and&nbsp;are available on Alibaba.</p><p><blockquote>技术的历史预示着电动汽车的未来。加速度计是一种测量物体加速或减速速度的系统，它举例说明了这一过程。在20世纪50年代，早期的加速度计使弹道导弹能够保持其轨迹。它们的成本高达数千美元。如今，比导弹锥体中的加速度计芯片更灵敏，成本仅为几美元或更低，并且可以在阿里巴巴-SW上买到。</blockquote></p><p> This occurred because when Apple’s&nbsp;iPhone made smart phones popular, a host of technologies became ubiquitous. Alphabet’s&nbsp;Android operating system and Linux-based systems-on-chips helped increase economies of scale, and the prices of all smartphone components fell dramatically, with broad ripple effects on many technologies.</p><p><blockquote>这是因为当苹果的iPhone让智能手机普及时，大量技术变得无处不在。Alphabet的Android操作系统和基于Linux的片上系统帮助提高了规模经济，所有智能手机组件的价格都大幅下降，对许多技术产生了广泛的连锁反应。</blockquote></p><p> More importantly, entirely new categories piggybacked on smartphone technology. Drones are basically active mobile phones. They use much of the same computational technology, and their prices are similarly falling.</p><p><blockquote>更重要的是，智能手机技术带来了全新的类别。无人机基本上就是主动的手机。它们使用许多相同的计算技术，价格也在类似地下降。</blockquote></p><p> And EVs are essentially mobile phones on wheels.&nbsp;They have many more moving parts and need additional features, such as lasers, rangefinders and airbags; nonetheless, they resemble mobile phones or drones more than they do ICE cars.</p><p><blockquote>而EV本质上是轮子上的手机，它们有更多的运动部件，需要额外的功能，比如激光、测距仪和安全气囊；尽管如此，它们更像手机或无人机，而不是内燃机汽车。</blockquote></p><p> Tesla has approached EVs as software products and upgradeable devices: more like iPhones than like traditional cars. And that makes sense.&nbsp;An EV is little more than a software-controlled engine with a battery in a box, and the batteries will soon become commodities.</p><p><blockquote>特斯拉将电动汽车视为软件产品和可升级设备：更像iPhone而不是传统汽车。这是有道理的。电动汽车只不过是一个软件控制的发动机，电池装在盒子里，而电池很快就会成为商品。</blockquote></p><p> <b>Battery-powered everything</b></p><p><blockquote><b>电池供电的一切</b></blockquote></p><p> Eventually car bodies of all shapes and sizes will be 3D printed. EV entrants are already tackling all parts of the EV market, from tiny delivery robots and cargo drones to e-bikes and customized vans.&nbsp;All are flavors of battery-powered locomotion.&nbsp;And the cheapest will be widely affordable, which will democratize services as the $20 Jio smartphones in India have democratized online access.&nbsp; Already, e-bikes that manage 20 miles an hour in speed cost less than $500, and they suit many basic commuting tasks in urban areas.</p><p><blockquote>最终，各种形状和尺寸的车身都将被3D打印出来。电动汽车进入者已经开始涉足电动汽车市场的所有领域，从微型送货机器人和货运无人机到电动自行车和定制货车。所有这些都是电池驱动的运动。最便宜的将被广泛负担得起，这将使服务民主化，因为印度20美元的Jio智能手机已经实现了在线访问的民主化。时速20英里的电动自行车价格已经不到500美元，它们适合城市地区的许多基本通勤任务。</blockquote></p><p> So Tesla, the EV leader, has nothing to worry about: Increasing awareness and fomenting innovation, it has made the addressable market much larger for itself.&nbsp; Like Apple’s, Tesla’s brand is powerful.&nbsp;Unlike Apple, Tesla faces some pretty cool competition, even now.&nbsp;Porsche has just announced an EV version of its Macan with pricing similar to the Tesla Model S sedans.</p><p><blockquote>因此，电动汽车的领导者特斯拉没有什么可担心的：通过提高知名度和鼓励创新，它为自己创造了更大的潜在市场。与苹果一样，特斯拉的品牌也很强大。与苹果不同，特斯拉面临着一些相当酷的竞争，即使是现在。保时捷刚刚宣布了其Macan的电动版本，定价与特斯拉Model S轿车相似。</blockquote></p><p> Tesla CEO Elon Musk clearly recognizes and embraces a strategy of growing a much bigger pie. The market for EVs is far larger than a market for cars: precisely why he open-sourced Tesla’s patents and made it easier for rivals to scale up and build better cars and expand the market.</p><p><blockquote>特斯拉首席执行官Elon Musk清楚地认识到并接受了做大蛋糕的战略。电动汽车市场远大于汽车市场：这正是他开源特斯拉专利并让竞争对手更容易扩大规模、制造更好的汽车并扩大市场的原因。</blockquote></p><p> Tesla will probably remain a small player in the global vehicle market by sales volume but stay on its cutting edge, just as Apple did in mobile phones.&nbsp;Steve Jobs positioned Apple firmly up market, and it has remained there, capturing the lion’s share of smartphone profits.</p><p><blockquote>就销量而言，特斯拉在全球汽车市场上可能仍是一个小角色，但仍将保持领先地位，就像苹果在手机领域所做的那样。史蒂夫·乔布斯将苹果牢牢定位在高端市场，并一直保持在那里，攫取了智能手机利润的最大份额。</blockquote></p><p></p><p> So the best thing for Tesla — and the planet’s future — is a slow and steady loss of market share.&nbsp;The EV’s time has come, and that means it’s time for Tesla to face much stiffer competition.</p><p><blockquote>因此，对特斯拉和地球的未来来说，最好的事情就是缓慢而稳定地失去市场份额。电动汽车的时代已经到来，这意味着特斯拉是时候面对更加激烈的竞争了。</blockquote></p><p></p>","source":"market_watch","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The best thing for Tesla is a slow and steady loss of market share?<blockquote>对特斯拉来说，最好的事情就是缓慢而稳定地失去市场份额？</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; 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Yet we’re rejoicing in the news from Schmidt Automotive Research that Tesla has&nbsp;lost market share in the world’s largest EV market, the European Union.</p><p><blockquote>特斯拉电池产量的快速增长迫使锂离子电池价格下降。然而，我们对Schmidt Automotive Research的消息感到高兴，特斯拉在全球最大的电动汽车市场欧盟失去了市场份额。</blockquote></p><p> We’re rejoicing because this is a clear sign of global interest in EVs. In the European Union, Tesla’s loss in market share derived partly from large incumbent automakers’ increasing vigor in making their own EVs more attractive, through both pricing and design diversity.</p><p><blockquote>我们很高兴，因为这清楚地表明了全球对电动汽车的兴趣。在欧盟，特斯拉市场份额的损失部分是由于大型现有汽车制造商越来越热衷于通过定价和设计多样性使自己的电动汽车更具吸引力。</blockquote></p><p> <b>Good for the planet</b></p><p><blockquote><b>对地球有益</b></blockquote></p><p> A broader, deeper market for these fuel-efficient, pollution-free vehicles is good for the planet and will further reduce prices. EVs’ path to further improvement also makes complete sense.&nbsp;In reality, internal combustion engines (ICEs) are today’s horse-and-buggy: well understood, reliable, and with a great infrastructure, but ultimately unable to compete.</p><p><blockquote>这些省油、无污染的汽车拥有更广阔、更深入的市场对地球有好处，并将进一步降低价格。电动汽车的进一步改进之路也完全有意义。事实上，内燃机（ICE）是今天的马车：众所周知，可靠，拥有良好的基础设施，但最终无法竞争。</blockquote></p><p> At the rate at which battery prices (and, by extension, EV prices)&nbsp;are falling and adoption is increasing, all car makers will have commenced publicly phasing out ICEs. General Motors&nbsp;has already taken the plunge and&nbsp;will phase out combustion engines by 2035.</p><p><blockquote>按照电池价格（以及电动汽车价格）下降和采用率增加的速度，所有汽车制造商都将开始公开逐步淘汰内燃机。通用汽车已经采取了行动，将在2035年之前逐步淘汰内燃机。</blockquote></p><p> We won’t be surprised if GM revises this schedule in about three years from now and declares that it will go all electric by 2028, and all of the other carmakers follow.</p><p><blockquote>如果通用汽车在大约三年后修改这一时间表并宣布到2028年将实现全电动化，并且所有其他汽车制造商都效仿，我们不会感到惊讶。</blockquote></p><p> The history of technology foretells the future of electric cars. The accelerometer, a system that measure how fast an object is accelerating or decelerating, exemplifies the process. In the 1950s, early accelerometers allowed ballistic missiles to maintain their trajectories.&nbsp; They cost many thousands of dollars.&nbsp;Today, accelerometer chips more sensitive than those that rode in missile cones cost a few dollars or less and&nbsp;are available on Alibaba.</p><p><blockquote>技术的历史预示着电动汽车的未来。加速度计是一种测量物体加速或减速速度的系统，它举例说明了这一过程。在20世纪50年代，早期的加速度计使弹道导弹能够保持其轨迹。它们的成本高达数千美元。如今，比导弹锥体中的加速度计芯片更灵敏，成本仅为几美元或更低，并且可以在阿里巴巴-SW上买到。</blockquote></p><p> This occurred because when Apple’s&nbsp;iPhone made smart phones popular, a host of technologies became ubiquitous. Alphabet’s&nbsp;Android operating system and Linux-based systems-on-chips helped increase economies of scale, and the prices of all smartphone components fell dramatically, with broad ripple effects on many technologies.</p><p><blockquote>这是因为当苹果的iPhone让智能手机普及时，大量技术变得无处不在。Alphabet的Android操作系统和基于Linux的片上系统帮助提高了规模经济，所有智能手机组件的价格都大幅下降，对许多技术产生了广泛的连锁反应。</blockquote></p><p> More importantly, entirely new categories piggybacked on smartphone technology. Drones are basically active mobile phones. They use much of the same computational technology, and their prices are similarly falling.</p><p><blockquote>更重要的是，智能手机技术带来了全新的类别。无人机基本上就是主动的手机。它们使用许多相同的计算技术，价格也在类似地下降。</blockquote></p><p> And EVs are essentially mobile phones on wheels.&nbsp;They have many more moving parts and need additional features, such as lasers, rangefinders and airbags; nonetheless, they resemble mobile phones or drones more than they do ICE cars.</p><p><blockquote>而EV本质上是轮子上的手机，它们有更多的运动部件，需要额外的功能，比如激光、测距仪和安全气囊；尽管如此，它们更像手机或无人机，而不是内燃机汽车。</blockquote></p><p> Tesla has approached EVs as software products and upgradeable devices: more like iPhones than like traditional cars. And that makes sense.&nbsp;An EV is little more than a software-controlled engine with a battery in a box, and the batteries will soon become commodities.</p><p><blockquote>特斯拉将电动汽车视为软件产品和可升级设备：更像iPhone而不是传统汽车。这是有道理的。电动汽车只不过是一个软件控制的发动机，电池装在盒子里，而电池很快就会成为商品。</blockquote></p><p> <b>Battery-powered everything</b></p><p><blockquote><b>电池供电的一切</b></blockquote></p><p> Eventually car bodies of all shapes and sizes will be 3D printed. EV entrants are already tackling all parts of the EV market, from tiny delivery robots and cargo drones to e-bikes and customized vans.&nbsp;All are flavors of battery-powered locomotion.&nbsp;And the cheapest will be widely affordable, which will democratize services as the $20 Jio smartphones in India have democratized online access.&nbsp; Already, e-bikes that manage 20 miles an hour in speed cost less than $500, and they suit many basic commuting tasks in urban areas.</p><p><blockquote>最终，各种形状和尺寸的车身都将被3D打印出来。电动汽车进入者已经开始涉足电动汽车市场的所有领域，从微型送货机器人和货运无人机到电动自行车和定制货车。所有这些都是电池驱动的运动。最便宜的将被广泛负担得起，这将使服务民主化，因为印度20美元的Jio智能手机已经实现了在线访问的民主化。时速20英里的电动自行车价格已经不到500美元，它们适合城市地区的许多基本通勤任务。</blockquote></p><p> So Tesla, the EV leader, has nothing to worry about: Increasing awareness and fomenting innovation, it has made the addressable market much larger for itself.&nbsp; Like Apple’s, Tesla’s brand is powerful.&nbsp;Unlike Apple, Tesla faces some pretty cool competition, even now.&nbsp;Porsche has just announced an EV version of its Macan with pricing similar to the Tesla Model S sedans.</p><p><blockquote>因此，电动汽车的领导者特斯拉没有什么可担心的：通过提高知名度和鼓励创新，它为自己创造了更大的潜在市场。与苹果一样，特斯拉的品牌也很强大。与苹果不同，特斯拉面临着一些相当酷的竞争，即使是现在。保时捷刚刚宣布了其Macan的电动版本，定价与特斯拉Model S轿车相似。</blockquote></p><p> Tesla CEO Elon Musk clearly recognizes and embraces a strategy of growing a much bigger pie. The market for EVs is far larger than a market for cars: precisely why he open-sourced Tesla’s patents and made it easier for rivals to scale up and build better cars and expand the market.</p><p><blockquote>特斯拉首席执行官Elon Musk清楚地认识到并接受了做大蛋糕的战略。电动汽车市场远大于汽车市场：这正是他开源特斯拉专利并让竞争对手更容易扩大规模、制造更好的汽车并扩大市场的原因。</blockquote></p><p> Tesla will probably remain a small player in the global vehicle market by sales volume but stay on its cutting edge, just as Apple did in mobile phones.&nbsp;Steve Jobs positioned Apple firmly up market, and it has remained there, capturing the lion’s share of smartphone profits.</p><p><blockquote>就销量而言，特斯拉在全球汽车市场上可能仍是一个小角色，但仍将保持领先地位，就像苹果在手机领域所做的那样。史蒂夫·乔布斯将苹果牢牢定位在高端市场，并一直保持在那里，攫取了智能手机利润的最大份额。</blockquote></p><p></p><p> So the best thing for Tesla — and the planet’s future — is a slow and steady loss of market share.&nbsp;The EV’s time has come, and that means it’s time for Tesla to face much stiffer competition.</p><p><blockquote>因此，对特斯拉和地球的未来来说，最好的事情就是缓慢而稳定地失去市场份额。电动汽车的时代已经到来，这意味着特斯拉是时候面对更加激烈的竞争了。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/the-best-thing-for-tesla-is-a-slow-and-steady-loss-of-market-share-11613062433?mod=home-page\">MarketWatch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"https://www.marketwatch.com/story/the-best-thing-for-tesla-is-a-slow-and-steady-loss-of-market-share-11613062433?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/599a65733b8245fcf7868668ef9ad712","article_id":"1168749416","content_text":"As rivals start to sell electric vehicles in earnest, the market will grow and highlight Tesla’s innovation prowess, protecting the planet in the process.\nWe love Tesla — we’re huge fans of the way the company has made electric cars cool.\nThe Palo Alto, Calif.-based company’s Model 3 is probably the most appetizing lower-cost electric vehicle (EV) on the market today, and is well on its way to becoming a massive success.\nAnd Tesla’s rapid escalation in battery production has forced down prices of lithium-ion batteries. Yet we’re rejoicing in the news from Schmidt Automotive Research that Tesla has lost market share in the world’s largest EV market, the European Union.\nWe’re rejoicing because this is a clear sign of global interest in EVs. In the European Union, Tesla’s loss in market share derived partly from large incumbent automakers’ increasing vigor in making their own EVs more attractive, through both pricing and design diversity.\nGood for the planet\nA broader, deeper market for these fuel-efficient, pollution-free vehicles is good for the planet and will further reduce prices. EVs’ path to further improvement also makes complete sense. In reality, internal combustion engines (ICEs) are today’s horse-and-buggy: well understood, reliable, and with a great infrastructure, but ultimately unable to compete.\nAt the rate at which battery prices (and, by extension, EV prices) are falling and adoption is increasing, all car makers will have commenced publicly phasing out ICEs. General Motors has already taken the plunge and will phase out combustion engines by 2035.\nWe won’t be surprised if GM revises this schedule in about three years from now and declares that it will go all electric by 2028, and all of the other carmakers follow.\nThe history of technology foretells the future of electric cars. The accelerometer, a system that measure how fast an object is accelerating or decelerating, exemplifies the process. In the 1950s, early accelerometers allowed ballistic missiles to maintain their trajectories.  They cost many thousands of dollars. Today, accelerometer chips more sensitive than those that rode in missile cones cost a few dollars or less and are available on Alibaba.\nThis occurred because when Apple’s iPhone made smart phones popular, a host of technologies became ubiquitous. Alphabet’s Android operating system and Linux-based systems-on-chips helped increase economies of scale, and the prices of all smartphone components fell dramatically, with broad ripple effects on many technologies.\nMore importantly, entirely new categories piggybacked on smartphone technology. Drones are basically active mobile phones. They use much of the same computational technology, and their prices are similarly falling.\nAnd EVs are essentially mobile phones on wheels. They have many more moving parts and need additional features, such as lasers, rangefinders and airbags; nonetheless, they resemble mobile phones or drones more than they do ICE cars.\nTesla has approached EVs as software products and upgradeable devices: more like iPhones than like traditional cars. And that makes sense. An EV is little more than a software-controlled engine with a battery in a box, and the batteries will soon become commodities.\nBattery-powered everything\nEventually car bodies of all shapes and sizes will be 3D printed. EV entrants are already tackling all parts of the EV market, from tiny delivery robots and cargo drones to e-bikes and customized vans. All are flavors of battery-powered locomotion. And the cheapest will be widely affordable, which will democratize services as the $20 Jio smartphones in India have democratized online access.  Already, e-bikes that manage 20 miles an hour in speed cost less than $500, and they suit many basic commuting tasks in urban areas.\nSo Tesla, the EV leader, has nothing to worry about: Increasing awareness and fomenting innovation, it has made the addressable market much larger for itself.  Like Apple’s, Tesla’s brand is powerful. Unlike Apple, Tesla faces some pretty cool competition, even now. Porsche has just announced an EV version of its Macan with pricing similar to the Tesla Model S sedans.\nTesla CEO Elon Musk clearly recognizes and embraces a strategy of growing a much bigger pie. The market for EVs is far larger than a market for cars: precisely why he open-sourced Tesla’s patents and made it easier for rivals to scale up and build better cars and expand the market.\nTesla will probably remain a small player in the global vehicle market by sales volume but stay on its cutting edge, just as Apple did in mobile phones. Steve Jobs positioned Apple firmly up market, and it has remained there, capturing the lion’s share of smartphone profits.\nSo the best thing for Tesla — and the planet’s future — is a slow and steady loss of market share. The EV’s time has come, and that means it’s time for Tesla to face much stiffer 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