中小企業向け 401(k) 市場の特徴としてその規模、ニーズの大きさ、情報不足が挙げられますが、規制改革に伴い従来の報酬および手数料体系の変更が求められるだけに、この市場は新規参入者にとってビジネスチャンスあふれる未開拓分野といえるでしょう。機敏性とデジタル化を重視しているプレーヤーは、…
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ウィリアム・トラウト
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2015/08/20
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2015/07/28
(このレポートは2015年7月29日に" The Financial Planning Technology Landscape" というタイトルで英文で発表されましたが、抄訳版を2015年10月9日に発行しました。)※ダウンロード: レポート(日本語)=抄訳版PDF、(英語)=原文レポ…
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2015/07/22
In my last post, I rap the DoL and other regulatory bodies for focusing on accumulation at the expense of the payout function. The result of thi…
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2015/07/21
In my last post, I note the acceleration of Department of Labor (DoL) efforts to bring greater transparency to the DC business. The latest guida…
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2015/07/21
Amidst the summer lull, the Department of Labor (DoL) has issued Field Assistance Bulletin 2015-02, a clarifying document that aims to open the…
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2015/07/16
As I noted in an earlier post, banks and automated investment advisors largely have lived in two separate worlds. This is set to change as banks…
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2015/07/16
As noted on this blog and that of the WSJ, banks are ready to jump into the robo-advisory business. Like others in the wealth management firmame…
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2015/07/13
(英文レポート"The Defined Contribution Conundrum:Automated Approaches to Unlocking the Potential of the 401(k) Retail Investments Market "の重要部分を抽出し翻訳し…
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2015/07/12
In a post early last week, I talked about some of the robos who are providing automated investments services to advisors. Those robos are making…
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2015/07/09
As I discuss in a previous post, dropping a zero from the minimum investment needed to open a free Wealthfront account lets CEO Adam Nash (via V…
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2015/07/08
Wealthfront CEO Adam Nash is at it again. Fresh from poking Schwab in the eye, he’s calling out archrival Betterment for what he calls client-un…
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2015/07/06
Automated investment advisory is increasingly a B2B business. The trend towards a B2B model reflects the high cost of customer acquisition inher…
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2015/05/12
In my latest report, Gold at the End of the Rainbow: Using Automation to Profitably Serve the De-Accumulating Investor, I explore the degree and…
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2015/05/08
It's hunting season on financial planning tech vendors, who at current valuations, are all too happy to get bagged. First, eMoney Advisor, now F…
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2015/05/08
これまで運用会社とアドバイザーは、顧客の利益のため、顧客の資産のを拡大することをモットーにしてきました。しかし、長寿化が進み、定年退職時の資産を30年または40年にわたって少しずつ取り崩していくケースが増えるなか、このモットーはもはや当てはまらなくなってきています。退職後の期間が延びたこ…