答案在the economist january 15th 2022 britain 中“retail investment”這篇文章第六段可以找到。
the economist january 15th 2022 britain
查字典
bespoke (bspk) adj. 訂做的；定制的
同義詞：custom-made； tailor-made；personalized
bespoke也是“bespeak暗示；表明；顯示”的過去式
clients with elaborate affairs will still benefit from bespoke advice, says holly mackay of boring money. but “if you just want to invest your money with the comfort that you’re not being a wally, digital advice gives you that.” it is also far cheaper than the traditional kind. the financial conduct authority (fca) estimated in 2020 that the average cost of investing with a traditional adviser was 1.9% of the assets invested each year. for an automated one, that fell to 0.8%. over time that gap compounds, with extraordinary effect. if you invest £100,000 in assets that grow by 5% a year for 30 years and pay an annual fee of 1.9%, you end up with £246,074. if the fee falls to 0.8%, you end up with £340,577.
boring money的霍利·麥凱(holly mackay)說，復雜事務纏身的客戶仍然會從定制建議中受益。但是“如果你不是白癡，只想安心地投資，那么數(shù)字建議會為你提供這種服務。”它也遠比傳統(tǒng)服務便宜得多。金融市場行為監(jiān)管局(fca)在2020年估計，傳統(tǒng)顧問投資的平均成本為每年投資資產的1.9%。對于自動化系統(tǒng)而言，這一比例降至0.8%。隨著時間的推移，這種差距會加劇，從而產生非凡的效果。如果你將10萬英鎊投資于每年增長5%的資產并支付1.9%的年費，為期30年，你最終將獲得246,074英鎊。如果費用降至0.8%，你最終會獲得340,577英鎊。