????金融分析師與顧問

????預(yù)測系統(tǒng),、大數(shù)據(jù)和越來越強大的計算能力合在一起，為分析和預(yù)測投資行為提供了理想工具,。由于計算機在處理企業(yè)和行業(yè)數(shù)據(jù)上幾乎沒有上限,，有些金融專業(yè)人士發(fā)現(xiàn)他們與機器的差距越來越大了。市場研究機構(gòu)Outsell公司的首席分析師雷?沃森?希利指出：“現(xiàn)在隨著機器算法和大數(shù)據(jù)的攪局,，股市分析師必須搞清楚他們自身的價值在哪里,。”

????金融顧問也同樣會感到壓力,。財富管理公司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,，投資行業(yè)的一個趨勢就是‘機器人顧問’的到來。不少年輕人和沒有復(fù)雜投資需求的人開始用自動化服務(wù)取代個人金融顧問,、理財規(guī)劃師和股票經(jīng)紀人,?！?/p>

????SigFig系統(tǒng)就是其中一例，它會考慮到客戶的風險容忍度,，然后通過計算機算法選擇一系列低成本的基金,，對投資賬戶進行多樣化投資與管理。（財富中文網(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.