ខ្ញុំមានលុយ 30,000 ដុល្លារដើម្បីវិនិយោគ។ តើវាឆ្លាតទេក្នុងការទទួលបានទីប្រឹក្សាហិរញ្ញវត្ថុ?

I am a retired veteran with no retirement accounts and I want to start investing with $30,000. I’d like some investing advice, but I’m finding advisors have minimum investment requirements, and I’m hesitant to work with a robo-advisor. Can you steer me in the right direction?

- អនាមិក

The standard advice for individuals with modest accounts is to seek out a ទីប្រឹក្សា robo. These digital investment advisors typically have lower fees and smaller minimum investment requirements, so even investors with just a few thousand dollars may access their services.

But given your discomfort with online advising, it makes sense that you’d want to look beyond the robo offerings. And fortunately, you have options. Here’s what to know about finding professional financial help when you have limited funds to invest.

How Much Does a Financial Advisor Cost?

ជារឿយៗ, financial advisors charge a fee based on the amount of money, called assets under management (AUM), the client has invested with the firm.

The charge often hovers around 1% of AUM, but advisors may use a sliding scale, charging a higher percentage for smaller accounts. As you may have experienced on your hunt for professional advice, many of these advisors can’t take an account worth less than, say, $100,000.

Robo-advisors typically charge less. They may ask for somewhere between 0.25% and 0.5% of AUM. Additionally, they often carry smaller account minimums. You might be able to secure the services of a robo advisor with $3,000 or even less in investable assets.

While a robo-advisor may provide enough assistance for វិនិយោគិនចាប់ផ្តើម, it sounds like you crave that human connection in your golden years.

Get Matched With a Financial Advisor

On a platform such as SmartAdvisor Match, investors with $25,000 or more in investable assets can pair up with a financial advisor. The platform may link you with prescreened matches with whom you can chat at no obligation to you.

While some advisors on the platform do have robust account requirements, others don’t specify a minimum investment and may provide advice for a set rate. When interviewing financial advisors, make sure to ask about fees to ensure that they’re reasonable in relation to the amount you have to invest.

រឿងរ៉ាវនៅតែបន្ត

Consider a Hybrid Robo-Advisor

You may get the human factor at a lower cost with a hybrid robo-advisor. That service combines the automation of robo-investing with the personal touch of a human advisor.

For example, Schwab’s Intelligent Portfolios Premium offers the services of a certified financial planner (CFP) professional in addition to its robo-advisor services. It charges a one-time planning fee of $300. After that, users pay a $30 monthly advisory fee. The account minimum is $25,000.

Advisor Fee Structures

If you’re looking to avoid robo-advising altogether, consider searching for advisors with nontraditional fee structures. They may provide the advice you need for a one-time or hourly fee.

Be aware that these hourly rates will vary depending on the advisor, but they may be steep in comparison to the amount of money you have to invest. Do some comparison shopping first.

And a word to the wise: Some advisors are paid based on commission for selling you a product. That may be a cheaper way to gain advice upfront, but it’s typically wise to seek a fiduciary financial advisor. Fiduciaries must act in your best interest.

Finding Free Financial Advice

As a senior and veteran, you may be eligible to access free financial advice.

សូមពិចារណា សមាគមផែនការហិរញ្ញវត្ថុ (FPA). Right now, various FPA members provide short-term pro bono financial planning assistance to underserved individuals, including veterans, in light of the COVID-19 pandemic.

As a senior, you can also access the services of the ជំនួយផ្នែកពន្ធលើប្រាក់ចំណូលស្ម័គ្រចិត្ត program. This free service answers tax-filing questions, which may relate to your investments and drawdown strategies.

អ្វីដែលត្រូវធ្វើបន្ទាប់

Financial advising services have a reputation for exclusively catering to wealthy individuals, but even investors with relatively modest accounts should be able to find ដំបូន្មានហិរញ្ញវត្ថុ if they know where to look.

Consider these resources:

• Free financial advice for veterans, seniors and other underserved communities.

• A robo or hybrid financial advisor service.

• A human financial advisor who charges a reasonable hourly or project-based fee.

A fiduciary financial advisor must act in your best interest. Consider seeking out a certified financial planner professional. Find someone with expertise in retirement income planning and other areas specific to your financial situation.

ការណែនាំអំពីផែនការវិនិយោគ និងការចូលនិវត្តន៍

• ប្រសិនបើអ្នកមានសំណួរជាក់លាក់ចំពោះស្ថានភាពវិនិយោគ និងការចូលនិវត្តន៍របស់អ្នក ក ទីប្រឹក្សាហិរញ្ញវត្ថុអាចជួយបាន។. ការស្វែងរកទីប្រឹក្សាហិរញ្ញវត្ថុដែលមានសមត្ថភាព មិនចាំបាច់ពិបាកនោះទេ។ ឧបករណ៍ឥតគិតថ្លៃរបស់ SmartAsset ផ្គូផ្គងអ្នកជាមួយនឹងទីប្រឹក្សាហិរញ្ញវត្ថុរហូតដល់បីនាក់ដែលបម្រើតំបន់របស់អ្នក ហើយអ្នកអាចសម្ភាសការផ្គូផ្គងទីប្រឹក្សារបស់អ្នកដោយមិនគិតថ្លៃដើម្បីសម្រេចថាតើមួយណាសាកសមសម្រាប់អ្នក។ ប្រសិនបើអ្នកត្រៀមខ្លួនស្វែងរកទីប្រឹក្សាដែលអាចជួយអ្នកឱ្យសម្រេចបាននូវគោលដៅហិរញ្ញវត្ថុរបស់អ្នក។ ចាប់​ផ្តើ​ម​ឥឡូវ​នេះ.

• នៅពេលអ្នករៀបចំផែនការសម្រាប់ប្រាក់ចំណូលនៅពេលចូលនិវត្តន៍ សូមតាមដានសន្តិសុខសង្គម។ ប្រើ ម៉ាស៊ីនគិតលេខសន្តិសុខសង្គមរបស់ SmartAsset ដើម្បីទទួលបានគំនិតនៃអត្ថប្រយោជន៍របស់អ្នកអាចមើលទៅដូចនៅពេលចូលនិវត្តន៍។

Susannah Snider, CFP® គឺជាអ្នកសរសេរអត្ថបទរៀបចំផែនការហិរញ្ញវត្ថុរបស់ SmartAsset ហើយឆ្លើយសំណួររបស់អ្នកអានលើប្រធានបទហិរញ្ញវត្ថុផ្ទាល់ខ្លួន។ មានសំណួរដែលអ្នកចង់ឆ្លើយទេ? អ៊ីមែល [អ៊ីមែលការពារ] ហើយសំណួររបស់អ្នកអាចត្រូវបានឆ្លើយនៅក្នុងជួរឈរនាពេលអនាគត។

សូមចំណាំថា Susannah មិនមែនជាអ្នកចូលរួមក្នុងកម្មវិធី SmartAdvisor Match ទេ។

Photo credit: ©Jen Barker Worley, ©iStock.com/seb_ra, ©iStock.com/katleho Seisa

ប្រកាស I Have $30,000 to Invest. Will a Financial Advisor Work With Me? បានបង្ហាញខ្លួនជាលើកដំបូង ប្លក់ SmartAsset.