{"id":24049,"date":"2023-02-16T13:23:38","date_gmt":"2023-02-16T21:23:38","guid":{"rendered":"https:\/\/genuscap.com\/?p=24049"},"modified":"2026-03-17T13:38:17","modified_gmt":"2026-03-17T20:38:17","slug":"3-reasons-a-human-wealth-manager-may-be-better-for-your-investments-than-a-robo-advisor","status":"publish","type":"post","link":"https:\/\/genuscap.com\/fr\/3-reasons-a-human-wealth-manager-may-be-better-for-your-investments-than-a-robo-advisor\/","title":{"rendered":"3 raisons pour lesquelles un gestionnaire de patrimoine humain peut \u00eatre meilleur pour vos investissements qu'un robot-conseiller"},"content":{"rendered":"\t\t
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Technology now touches every aspect of our lives, including investing. And when it comes to wealth management, AI-powered robo advisors have offered a convenient way to manage our money. The advantages to would-be investors \u2013 especially first-timers \u2013 can be compelling: signing up is easy, investing is flexible, fees are affordable. And robo advisors give investors 24\/7 access to manage and modify their portfolios.<\/p>

What they lack, though, is the ability to advise financial decisions based on broad context and nuance. There\u2019s no human touch, and for many investors, it\u2019s that human advice that elevates and informs long-term investment decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Tackling the Complexities of Wealth Management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The distinction between investment management and wealth management here is crucial. Robo-advisor platforms are great for, say, saving for retirement. In most scenarios, the money isn\u2019t going to be used for decades; it\u2019s invested for growth and doesn\u2019t involve any immediate decision making.\u00a0<\/span><\/p>

Wealth management, however, is more complex. \u201cYou\u2019ve typically got more than one pot of money, and you probably have more than just yourself to worry about,\u201d says Grant Conroy, Portfolio Manager at Genus, \u201cwhether it\u2019s family wealth, a<\/span> family business or other assets.\u201d\u00a0<\/span>\u00a0<\/span><\/p>

While robo-advisors can create a straightforward asset mix that matches an investor\u2019s goals, risk levels and values, human advice is more multifaceted. Advisors are not only assessing geopolitics, economic cycles and interest rates to uncover the right solutions, but they can tailor the solutions to fit your bigger picture and family<\/span> circumstances. That might mean offering opportunities to diversify into other types of investments, such as <\/span>impact investing<\/span><\/a>, or support through <\/span>family estate planning<\/span><\/a>. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Empathy in Investing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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As smart as AI is at generating financial projections, it doesn\u2019t have the intelligence to tackle complex portfolios or to empathize with the risks of <\/span>emotional investing<\/span><\/a>.\u00a0<\/span><\/p>

Markets will go up and down, especially during a recession or pandemic. Yet nonstop media and 24-hour access to portfolio performance during ups and downs can encourage quick reactions \u2013 which may not be in an investor\u2019s best interests over the long term.<\/span><\/p>

Consulting with an advisor offers a rational reset and a buffer from all the noise. \u201cIt\u2019s like having a system of checks and balances in place to stop you from possibly making an emotionally driven decision that doesn’t hold with your longer-term aims or goals,\u201d Conroy says.\u00a0<\/span><\/p>

At the same time, he does embrace technology\u2019s efficiencies and strengths, for example the ability to identify one-off events. \u201cWhen something is happening that is specific to a client where it changes their financial picture, technology can flag it to allow an advisor to be proactive.\u201d<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Aligning Investing Values with Long-Term Outcomes <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Although Genus\u2019 portfolio managers rely on analytics to report on the impact of portfolios, the value of human advice comes into play when clients want to talk about wealth in broader terms \u2013 particularly when it impacts multiple generations. Conroy points to a <\/span>recent article\u00b9<\/span><\/a> in which more than 70 per cent of respondents \u2013 Millennials and Gen Xers \u2013 say they plan to talk to an advisor when inheriting family wealth.\u00a0<\/span><\/p>

That means face-to-face discussions and tackling the tough questions together rather than clicking around a computer screen. \u201cIt does seem that the younger generation is more comfortable and tech savvy using robo-advisors for their investments. But it\u2019s hard for AI to pick up on human complexity, body language, emotions and everything else that goes into a conversation,\u201d he says. \u201cAnd that\u2019s a process that takes time.\u201d\u00a0<\/span><\/p>

Interested in exploring how a wealth manager can help you? <\/span><\/i>Contact a Genus advisor<\/span><\/i><\/a> to get started.<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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[1] Millennials and gen xers want adviser help when inheritance hits: Survey (2022) InvestmentNews.<\/em> Available at: https:\/\/www.investmentnews.com\/millennials-and-gen-xers-want-adviser-help-when-inheritance-hits-survey-shows-229878 (Accessed: February 9, 2023).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

La technologie touche d\u00e9sormais tous les aspects de notre vie, y compris l'investissement. Les robots-conseillers aliment\u00e9s par l'IA ont offert un moyen pratique de g\u00e9rer notre argent. Ce qui leur manque, cependant, c'est la capacit\u00e9 \u00e0 conseiller des d\u00e9cisions financi\u00e8res fond\u00e9es sur un contexte large et nuanc\u00e9.<\/p>","protected":false},"author":7,"featured_media":24076,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[16,27],"tags":[110,132],"class_list":["post-24049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-market-insights","tag-blog","tag-grant-conroy"],"acf":[],"yoast_head":"\nReasons a Human Wealth Manager May Be Better - Genus Capital<\/title>\n<meta name=\"description\" content=\"Financial robo advisors are a convenient way to manage your money, but they lack human advice and overlook important contexts and nuances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/genuscap.com\/fr\/3-reasons-a-human-wealth-manager-may-be-better-for-your-investments-than-a-robo-advisor\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Reasons a Human Wealth Manager May Be Better for Your Investments than a Robo Advisor\" \/>\n<meta property=\"og:description\" content=\"Technology now touches every aspect of our lives, including investing. 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