高盛將造機器人顧問 爲大衆提供投資建議

機器人現在越來越能幹，不但可以做服務員、做廚師、做律師，還可以做理財顧問。據報道，高盛和摩根士丹利都將推出自己的機器人顧問，其他的大型公司則開始與已有的機器人諮詢公司合作，或者收購它們。

Goldman Sachs, known for advising the world's richest and most powerful, is building a so-called robo-adviser geared to affluent customers, according to a job listing posted on the bank's website.
高盛集團一向以爲全球最富有最具權勢的羣體提供諮詢服務著稱。根據該銀行在其網站上發佈的職位可知，高盛正在打造面向富裕客戶的機器人顧問。

A Goldman spokesman declined to comment.
高盛的發言人拒絕評論此事。

The job posting for employees to help build the platform comes as Goldman is looking at ways to broaden its customer base outside the super wealthy, including making deeper inroads into new consumer-focused businesses.
高盛正在尋求途徑擴展極富羣體以外的用戶羣，包括更深入地開展新的面向消費者的業務，此時招聘的便是能夠建立這樣平臺的僱員。

The bank last year launched Marcus, its first major foray into consumer lending, as well as a complementary deposit-taking platform after acquiring GE Capital's online bank. It also acquired Honest Dollar, an online retirement savings platform for small businesses and startups.
去年，該銀行在收購通用電氣資本的網上銀行後，便啓動了其首個消費者借貸平臺Marcus以及一個互補性吸收存款平臺。高盛還收購了Honest Dollar，這是一家面向小型企業和初創公司的在線退休儲蓄平臺。

The robo platform would sit within the bank's rapidly growing investment management division, according to the ad. The unit, which Goldman has been trying to build out in recent years to diversify its revenue, posted a record $1.38 trillion in assets under supervision at the end of 2016.
據廣告稱，該機器人平臺將劃在銀行快速發展的投資管理部門內。高盛近年來一直試圖實現此部門收入多元化。2016年年底，該部門監管下的資產總值創下了1.38萬億美元的紀錄。

Goldman has for years grappled with how to tap into the mass affluent segment, broadly defined as those with less than $1 million in investable assets, without diluting the brand of its private wealth business which is considered a jewel within the bank, according to people familiar with the matter. Goldman's US private wealth business typically advises clients with an account size of around $50 million.
廣義上，大衆富裕階層爲可投資資產不足100萬美元的人羣。根據知情人士提供的信息，高盛多年來一直努力在不影響其重要業務品牌——私人財富業務情況下，打入該階層。高盛在美國的私人財富業務，通常爲擁有約5000萬美元賬戶的客戶提供諮詢服務。

Goldman has in the past considered expanding Ayco, a wealth advisory firm it purchased in 2003, as a way to push more deeply into the mass affluent segment, the people added.
知情人士補充道，高盛曾經考慮通過擴大其於2003年購入的財富諮詢公司Ayco的規模，從而進一步打入大衆富裕階層。

While the robo-advice market was initially developed by startups such as Wealthfront and Betterment with ambitions of upending the traditional financial advice sector, large firms such as Charles Schwab and Vanguard have launched similar services.
雖然最初，是Wealthfront和Betterment等創業公司開發了機器人諮詢市場，以期顛覆傳統的金融諮詢行業。但是像嘉信理財和先鋒集團這樣的大型公司也開展了類似的服務。

Other large firms are partnering with or buying existing players.
其他的大型公司則開始與已有的機器人諮詢公司合作，或者收購它們。

UBS and Wells Fargo are partnering with online financial adviser SigFig, while BlackRock acquired FutureAdvisor.
瑞銀和富國銀行與在線財務顧問SigFig合作，而黑石集團則收購了FutureAdvisor。

Morgan Stanley is launching its own robo-advisor later this year, primarily for the children of its existing clients. CEO James Gorman has said that firms which combine digital and human advice will be more successful in the future.
摩根士丹利今年晚些時候將推出自己的機器人顧問，主要是針對現有客戶的子女。其首席執行官詹姆斯•戈爾曼表示，將數字和人工建議結合起來的公司未來會更加成功。