[研究报告] 智能投顾市场规模预计将从2022年的68.8亿美元增长到2030年的615.1亿美元;预计 2022 年至 2030 年复合年增长率为 44.1%。
分析师观点: h3>
近年来,在技术进步以及零售银行、资产管理等各种最终用户广泛采用机器人咨询来进行算法的推动下,机器人咨询市场出现了显着增长。计算来分析数据并传输综合信息,推动机器人咨询市场的增长。此外,机器人顾问还提供税收损失收获、低成本投资组合、更好的决策、安全可靠的投资等各种好处,并有助于消除信用风险。机器人咨询提供的这些好处预计将在预测期内推动机器人咨询市场的增长。人工智能 (AI) 和机器学习 (ML) 等不断发展的技术进步正在成为机器人咨询市场增长的利润丰厚的增长机会。
近年来,随着越来越多的投资者因其便利性而选择低成本、自动化的投资选择,机器人咨询变得越来越受欢迎。只需点击几下,投资者就可以开设账户,回答有关其财务目标和风险承受能力的问题,然后开始投资。然后,该平台创建定制的投资组合并对其进行持续管理,根据需要进行重新平衡,以使其与客户的目标保持一致。
机器人咨询市场概述:< /strong>
在当今快节奏的环境中,消费者没有时间研究投资、持续监控或分析投资市场以及管理日常投资组合。此类消费者更愿意聘请专业人士来为他们处理一些财务决策,但仍然希望能够 24/7 在线监控他们的账户,而不必亲自与传统顾问坐在一起。这就是机器人顾问可以提供帮助的地方。
机器人顾问是一个数字平台,提供自动化、算法驱动的财务规划和投资服务,并最大限度地减少人工监督。机器人顾问询问有关公司财务状况和未来目标的问题,使用数据提供建议,并自动投资该公司。如今,大多数机器人顾问都使用利用现代投资组合理论(MPT)的某些变体进行优化的被动索引策略。一些机器人咨询解决方案提供商为社会责任投资(SRI)、清真投资或模仿对冲基金的战术策略提供优化的投资组合。他们还可以处理更复杂的任务,例如税收损失收获、投资选择和退休规划。机器人顾问效率很高,有助于密切关注投资,是大多数长期投资者和技术前沿个人的不错选择。
机器人顾问使用有关以下方面的各种信息:投资者建议投资策略。在许多情况下,用户会在线或通过应用程序询问一些有关其信息和当前财务状况的问题。然后,机器人顾问使用这些信息来建议实现财务目标的投资策略。投资策略可以包括不同类型投资的组合,许多机器人顾问都提供账户再平衡服务,以帮助投资与财务目标和偏好保持一致。
战略洞察
机器人咨询市场驱动因素:
对个性化投资解决方案的需求增加推动机器人顾问市场的增长
机器人顾问已成为传统财务顾问的替代品。机器人顾问的生存能力很大程度上取决于他们提供个性化财务建议的能力。投资者越来越寻求个性化的投资解决方案。能够大规模提供个性化解决方案的组织正在投资管理的新时代获得竞争优势。近年来,为客户提供个性化、高度自动化的投资解决方案变得越来越重要。机构客户、散户投资者等各种最终用户对个性化投资策略的需求正在上升,进一步推动了机器人咨询市场的增长。个性化的机器人咨询解决方案根据客户数据和偏好提供量身定制的内容和建议。例如,机器人顾问可以向客户发送个性化电子邮件、时事通讯和通知,其中包含有关其投资组合绩效、市场趋势和财务目标的相关信息、提示和更新。此外,他们还可以使用数据分析和机器学习,根据客户的风险状况、投资期限和财务需求,为客户推荐合适的产品、服务和策略。因此,对个性化投资解决方案的需求增加,推动了机器人咨询市场的增长。
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机器人咨询市场细分分析:
根据产品类型,机器人咨询市场细分为自动化机器人顾问和混合机器人顾问。混合机器人顾问服务将专业管理的账户与财务指导或规划的访问结合起来。对于许多混合机器人顾问来说,可以通过与人类财务顾问的电话或视频通话来获得指导和规划服务。这些服务的成本较低,因为它是通过电话、计算机或基于应用程序的视频会议进行的。混合机器人顾问结合了自动化投资管理和人工财务建议的优点。这些平台利用技术根据投资者的目标、风险承受能力和投资偏好来管理投资组合,同时为人类财务顾问提供更个性化的指导和支持。
此外,混合;机器人顾问提供各种好处,例如成本效益、改进的可访问性,个性化的投资策略、加强的风险管理以及持续的监控和支持。通过利用技术,混合机器人顾问可以比传统财务顾问更低的成本提供投资管理服务,使更广泛的投资者更容易获得这些服务。混合机器人顾问使财务建议的获取变得民主化,使投资组合较小的投资者能够从专业的投资管理服务中受益。此外,混合机器人顾问可以根据每个客户独特的财务状况和目标创建定制的投资策略。此外,混合机器人顾问通过算法分析和人工监督的结合提供改进的风险管理能力,从而产生更加平衡和有弹性的投资组合。混合机器人顾问提供持续的投资组合监控和支持,确保客户的投资得到优化并根据不断变化的市场条件进行调整。所有这些因素预计将促进该细分市场在机器人咨询市场的增长。
但是,混合型机器人咨询公司必须遵守许可和注册要求,确保它们满足提供财务咨询服务的资格和标准。此外,潜在的风险和限制包括隐私问题、过度依赖算法、潜在的人为偏见以及难以衡量人类顾问的附加价值。
智能投顾市场区域分析:
2022年北美智能投顾市场估值为XX亿美元,预计将达到XX亿美元到 2030 年;预计在预测期内复合年增长率为 XX%。北美拥有全球最大的机器人咨询市场份额之一。北美地区投资行业的高科技采用趋势推动了机器人咨询市场的增长;例如,根据埃森哲的研究,北美三分之二的新兴富裕和高净值投资者更喜欢混合金融咨询服务,而不是纯人工或纯机器人服务。另一方面,54% 的投资者表示从机器人顾问那里获得了非常好的建议,51% 的投资者表示完全信任他们的机器人顾问。所有这些因素都促进了北美机器人咨询市场的增长。
此外,美国和加拿大等发达经济体对研发的高度重视迫使北美参与者将技术先进的机器人咨询服务引入市场。例如,2023 年 7 月,Revolut 在美国推出了机器人顾问。与传统公司相比,这一新功能可以代表客户自动管理投资组合,从而提供更加无缝且更具成本效益的投资体验。此外,美国拥有大量的机器人咨询市场参与者,他们越来越注重开发创新解决方案。机器人咨询市场的一些主要参与者包括 Betterment、Vanguard Group, Inc. 等。这些机器人咨询市场参与者已经见证了投资者的持续需求。所有这些因素都促进了美国机器人咨询市场的增长。
机器人咨询市场主要参与者分析:
机器人咨询市场分析包括 AXOS INVEST, INC. 等参与者;更好的有限责任公司;嘉信理财公司;未来顾问;对冲公司;肉豆蔻储蓄投资有限公司;个人资本公司; SIGFIG 财富管理有限责任公司;先锋集团有限公司; WEALTHFRONT CORPORATION 是报告中介绍的机器人咨询市场的主要参与者之一。
机器人咨询市场最新发展:
机器人咨询市场的公司高度采用并购等无机和有机策略。下面列出了最近的一些关键市场发展:
- 2023 年 1 月,M&G Wealth 宣布推出混合机器人顾问。这个新平台使用算法来确定每个客户的风险偏好、金融知识和财务状况;该平台可作为 Android 和 iOS 上的应用程序以及网络应用程序使用,为投资者提供“经典”和“目标”投资组合的选择。
- 2022 年 3 月,欧洲的 flatexDEGIRO AG最大且增长最快的散户投资者在线经纪商宣布签署谅解备忘录 (MoU),以扩大与数字财富管理公司 Whitebox(面向散户投资者的独立机器人顾问之一)的长期 B2B 合作伙伴关系。 flatexDEGIRO 和 Whitebox 共同为 flatexDEGIRO 的客户提供全数字投资解决方案。
- 2022 年 11 月,摩根财富管理公司宣布推出远程咨询业务 JP Morgan Personal Advisors。在此基础上,客户可以与顾问进行视频聊天,并在任何地方制定财务计划。
- 2021 年 11 月,摩根大通宣布推出混合机器人顾问计划,为投资者提供数字化投资机会投资平台并持续联系人力财务顾问。
- 2021 年 12 月,大华资产管理公司合作为新加坡投资者提供机器人咨询解决方案。新的解决方案将利用技术、数据分析和基于算法的工具为个人定制。
- Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
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Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
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Frequently Asked Questions
Rising utilization of digital technology and focus on new launches are the major factors that propel the global robo-advisory market.
The global Robo Advisory market was estimated to grow at a CAGR of 31.2% during 2023 - 2031.
Increasing integration of digital technology in financial services to play a significant role in the global robo advisory market in the coming years.
Asia Pacific is anticipated to grow with a high growth rate during the forecast period.
The major players holding majority shares are Betterment LLC, Fincite Gmbh, Wealthfront Corporation, The Vanguard Group, Inc., and The Charles Schwab Corporation.
Trends and growth analysis reports related to Banking, Financial Services, and Insurance : READ MORE..
The List of Companies
1. AXOS INVEST, INC.
2. BETTERMENT LLC
3. CHARLES SCHWAB AND CO., INC.
4. FUTUREADVISOR
5. HEDGEABLE, INC.
6. NUTMEG SAVING AND INVESTMENT LIMITED
7. PERSONAL CAPITAL CORPORATION
8. SIGFIG WEALTH MANAGEMENT, LLC
9. THE VANGUARD GROUP, INC.
10. WEALTHFRONT CORPORATION
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
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Below is the breakup of our primary respondents by company, designation, and region:
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We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.