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Robo- advisor, crowdfunding and alternative capital

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Plan

  • Robo- advisor
  • Crowdfunding
  • Alternative capital

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Robo- advisor

  • Robo-advisor (robo-advisor) – this artificial intellect and based on algorithms worker digital platform is, users' financial goals and to danger was in relation to depending on the automatic in a way investment portfolio shapes and manages. This services usually human without interference works, but some platforms additional in a way human advisors also offers.
  • SHE IS user's financial goals, income and at risk attitude in consideration take, to him/her suitable forms a portfolio.
  • This services human tool aside past simplified without , digital solutions offer does.

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Robo- advisor

  • • Betterment: In the USA the most large robo- advisor

platform.

  • • Wealthfront: to tax related optimization strategies with

famous.

  • • Ellevest: women to the needs customized investment

service.

  • • Schwab Intelligent Portfolios: Schwab to the bank relevant

digital investment service.

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  • Betterment – this In the USA located digital investment platform is automated for users in a way investment, retirement planning and cash money management services presented will. In 2008 John Stein and Eli Broverman by basis inserted company currently 56 billion dollars more than assets manages and 900,000 from more than to customers provides service.
  • Features: Automatic investment management /Tax optimization /Cash money management /Crypto investments

​

  • Tariffs and payments
  • • Betterment Digital: Annual 0.25% management toll or monthly $4.
  • ○ Betterment Premium: $100,000 or from it more than to the balance has for users annual 0.65% payment with unlimited CFP advice
  • ○ ETF cost coefficient: To the portfolio included ETFs for annual 0.07%-0.17%

in the range.

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Advantage and disadvantages

  • Advantages:
  • • Cheap service right and minimum elementary capital requirement.
  • • 24/7 works, human emotional mistakes no.
  • Disadvantages:
  • • Customer's personal status complete understand can't.
  • • Developed investment strategies for suitable it's not.

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Crowdfunding

  • Crowdfunding (public financing) — this the project or idea financing for many from humans small- small in quantity funds collection method. This process, usually, the internet through special platforms using is carried out.
  • Crowdfunding — this projects, startups or social initiatives for people by internet funds through collection method.
  • This in process investors small in quantity money they give, but

their abundance because of big amount harvest will be.

  • Types: award-winning, share, social (donation based on).

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Crowdfunding

  • • Kickstarter — creative and technological projects for famous

platform.

  • • Indiegogo — open and wide extensive projects

finances.

  • • GoFundMe — personal and social help for money collection

opportunity gives.

  • Start engine — In the United States leader equity crowdfunding

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Crowdfunding – advantage and disadvantages

  • Advantages:
  • • Amount collection with together marketing also will be.
  • • From customers fast feedback is taken.
  • Disadvantages:
  • • Amount non-collection probability high.
  • • Competition strong and the audience attraction to do easy it's not.

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Alternative capital

  • Alternative capital — this bank credit and classic investors

without participation attraction attainable is an investment.

  • SHE IS more startups, small business and new technologies

in financing is applied.

  • Flexible and innovative to approaches is based.

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Alternative capital

  • • Crowdfunding — alternative capital shape.
  • • Angel investors — large experienced investors.
  • • Venture capital — Sequoia Capital, Andreessen Horowitz

such as funds.

  • • Scholarships and subsidies — government or international organizations

by.

  • • Peer- to- peer loan — mutual credit platforms

(Zopa, LendingClub).

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Alternative capital – advantage and disadvantages

  • Advantages:
  • • Flexible conditions and wide opportunities.
  • • Innovative ideas to finance help gives.
  • Disadvantages:
  • • Share sharing or control submission probability.
  • • High danger level.

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Conclusion

  • Robo- advisor, crowdfunding and alternative capital —

modern financial of technologies main directions.

  • They through investment, funds collection and business start

is getting simpler.

  • Wide public for financial services in disclosure this

tools big importance has.