????金融分析師與顧問(wèn)

????預(yù)測(cè)系統(tǒng)、大數(shù)據(jù)和越來(lái)越強(qiáng)大的計(jì)算能力合在一起，為分析和預(yù)測(cè)投資行為提供了理想工具。由于計(jì)算機(jī)在處理企業(yè)和行業(yè)數(shù)據(jù)上幾乎沒(méi)有上限，有些金融專(zhuān)業(yè)人士發(fā)現(xiàn)他們與機(jī)器的差距越來(lái)越大了。市場(chǎng)研究機(jī)構(gòu)Outsell公司的首席分析師雷?沃森?希利指出：“現(xiàn)在隨著機(jī)器算法和大數(shù)據(jù)的攪局，股市分析師必須搞清楚他們自身的價(jià)值在哪里?！?/p>

????金融顧問(wèn)也同樣會(huì)感到壓力。財(cái)富管理公司Howe & Rusling的戰(zhàn)略副總裁史蒂芬?基普?阿斯特海默指出：“近幾年來(lái)，投資行業(yè)的一個(gè)趨勢(shì)就是‘機(jī)器人顧問(wèn)’的到來(lái)。不少年輕人和沒(méi)有復(fù)雜投資需求的人開(kāi)始用自動(dòng)化服務(wù)取代個(gè)人金融顧問(wèn)、理財(cái)規(guī)劃師和股票經(jīng)紀(jì)人?！?/p>

????SigFig系統(tǒng)就是其中一例，它會(huì)考慮到客戶(hù)的風(fēng)險(xiǎn)容忍度，然后通過(guò)計(jì)算機(jī)算法選擇一系列低成本的基金，對(duì)投資賬戶(hù)進(jìn)行多樣化投資與管理。（財(cái)富中文網(wǎng)）

????譯者：樸成奎

????審校：任文科

????Financial Analysts and Advisors

????Predictive systems, big data, and computing power combine to provide an idea tool for analyzing and predicting the behavior of investments. With no practical limit to the amount of company and industry data that can be considered, some financial professionals will find it difficult to keep up. "Now with machine algorithms and big data disrupting, stock and equity analysts will have to figure out what their value ad is going to be," said Leigh Watson Healy, chief analyst at market research firm Outsell.

????There will be pressure on those who advise individuals, as well. "One trend in the investment industry over the last few years has been the advent of 'robo-advisers,'" said Stefan Kip Astheimer, vice president for strategy at wealth management firm Howe & Rusling. "These are automated services that are replacing personal financial advisers, financial planners and stockbrokers for younger individuals and individuals who don't have complex investment needs."

????An example is SigFig, which takes into account a client's risk tolerance and then uses algorithms to diversity and manage investment accounts using a variety of low-cost funds.