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Cuestionario sobre cómo funcionan los Robo-Advisors

Prueba cómo los cuestionarios de robo-advisor se asignan a carteras modelo, reequilibrio de umbrales y recolección de pérdidas fiscales según la regla de venta de lavado.

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Pregunta 1 de 8

In robo-advisor onboarding, what is the difference between risk capacity and risk tolerance?

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  1. In robo-advisor onboarding, what is the difference between risk capacity and risk tolerance?
    • Significan lo mismo
    • Capacity is how much loss you can afford; tolerance is how much loss you can stomach
    • Capacity measures fees; tolerance measures returns
    • Capacity applies only to retirees
  2. How does a typical robo-advisor turn a questionnaire risk score into a portfolio?
    • It picks individual stocks it predicts will rise
    • It asks a human broker to design a portfolio each time
    • It maps the score to one of a set of pre-built model portfolios
    • It invests entirely in cash until markets improve
  3. Before selling overweight assets during rebalancing, what does the engine usually try first?
    • Using deposits, dividends and withdrawals to move weights back toward target
    • Sending the client a phone call
    • Switching to a different risk score
    • Pausing all trading for a year
  4. During tax-loss harvesting, why does the service buy a similar but not substantially identical fund?
    • To raise the advisory fee
    • To exit the market entirely
    • To increase dividends
    • To keep market exposure while avoiding the wash sale rule
  5. What did Schwab's 2022 SEC settlement over Intelligent Portfolios concern?
    • Charging a large advisory fee
    • Inadequate disclosure about how its cash allocation affected clients
    • Failing to rebalance portfolios
    • Using AI to pick stocks
  6. Which misconception about robo-advisors does the guide correct?
    • That they rebalance portfolios
    • That they charge fees
    • That they use AI to pick stocks or time the market
    • That they use questionnaires
  7. What rebalancing approach does the guide say robo-advisors typically use?
    • Threshold bands that trigger trades when drift exceeds a tolerance
    • Rebalancing only when the client calls
    • Never rebalancing
    • Rebalancing every hour regardless of drift
  8. Which limit of robo-advisors does the guide highlight?
    • They cannot hold bonds
    • They require at least $1 million to open
    • They trade only individual stocks
    • A short questionnaire cannot capture debts, employer plans, taxes or estate issues