Category: News

Thailand’s aging society needs new future funding

Thailand’s aging society needs new future funding

The year 2022 brings some challenges for Thailand that require proper preparation. The first of these is the economic hardship of the elderly which is going to be more serious.

According to the UN World Population Prospects, Thailand is one of the earliest developing countries in the developing world to have entered an adult society with about 20% of its population over 60 years of age. As the number of older people increases, each older person can become less dependent on their children.

The problem needs to be highlighted that the state-provided living allowance for the elderly, 600-1,000 baht per month, is well below the poverty line.

Needless to say, with such a meager allowance, instead of enjoying life after retirement, there will be a dark future in the last chapter of the lives of the elderly across the country.

Not that the government has turned a blind eye to this huge problem. In March last year, the cabinet approved the government’s future funding bill, which aims to make the naming fund mandatory for all formal employees.

Under the bill, the proposed fund has a clear contribution structure. For example, an employee earning a monthly salary of 15,000 baht must contribute 450 baht to the fund with the same amount from the employer per month.

In the first year he or she joins the project and as the contribution progresses, within the 10th year, both parties must pay 1,500 baht per month. It should be noted that the contribution is separate from the social security scheme. When workers reach retirement age, they can choose between paying a lump sum or a monthly pension. Those who have already joined a private future fund do not need to apply.

The planned project will cover about 8 million formal workers who do not have personal future funding. But once they join the project, they will be able to save for the future.

Needless to say, the government is working hard to bring in such an important bill to secure a better future for the workers. But those involved must be aware of the side effects as the scheme can be considered as an additional expense for workers and employers.

If the fund is like a Social Security fund, contributions must be mandatory and can create challenges when it comes to reality because, above all, employers and employees have the right to “pick” if they want to join the system. In this case, employees may choose to stay informal and not join the fund. There has been an incident in Malaysia where the number of contributors to the Provident Fund has been significantly lower than the official staff.

We know that informal workers do not have access to certain benefits, such as unemployment or disability compensation, and this is a serious problem. The government needs to take some preventive measures to avoid the Malaysian experience. I recommend two measures.

First, the government should link tax databases to other information systems, such as workers’ income and identification. In this case, the government could emulate Chile’s well-known compulsory personal retirement account system, which has been hailed as a model for pension reform. The Chilean government has invested in improving its database to connect workers to personal income and identification with government databases, and has designed features to make it easier for workers to join and contribute to the project.

Second, the government should make the one-stop service for commercial registration more efficient, enabling automatic linking of commercial registration data with social security systems. The Social Security Office will then have better employment information.

Currently, since commercial registration is the responsibility of local government agencies, they need to upgrade their information systems to ensure a link with the relevant departments.

The goal of improving the system is to bring all employees under the social security scheme. It is estimated that seven million local workers are still exposed. Therefore, the concerned agencies need a good database which enables efficient crosschecking which will be more important when launching new funds.

That said, Thailand is trying to solve the problem that has arisen as a result of the growing number of elderly people from an older society, which many do not have.

The government future fund is a new policy that seeks to solve the problem of creating a social safety net for workers. But the fund must be carefully created so that the long-term benefits of the contributors go beyond the short-term burden, so they will be committed to the contribution.

The staff database and cross-checking system must be upgraded, first and foremost to stop errors and make payments easy, popular and a reliable security net for the country.

Article by Trisorn Thirachivanan

This article is based on a research project: ‘Effective steps to promote the Thai population’s financial planning for longevity society, supported by the National Research Council of Thailand’.

First published: at Bangkok Post 2 MAR 2022

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This article was first produced by VietnamBriefing which is produced by Dejan Veins & Associates. The company supports foreign investors across Asia from the office Around the worldIncluding China, Hong Kong, Vietnam, Singapore, IndiaAnd Russia. Readers can write [email protected]

Is Morningstar Premium worth it?

Is Morningstar Premium worth it?
Morningstar logo
  • Limited free version

  • Excellent basic version
  • X-rays can analyze resources within your portfolio

Anyone related to stock investing or financial mutual funds has come across the Morningstar application at least once. It is a reputed company that provides insights, information and analysis on various types of personal stock performance, the sector as a whole and mutual funds.

Morningstar provides basic information about this entity for free, but users will need to sign up for a Morningstar Premium account (which is a paid subscription) for a detailed analysis. We’re going to discuss whether the Morningstar Premium subscription is worth the investment. Before we move on, let’s talk about some basic things about a company.

What is Morningstar?

Morningstar is an investment firm that has been working in the industry for the past 35 years. In 2018 it had assets worth $ 201 billion and recently it has shown remarkable progress. Today, it works with thousands of users and beneficiaries worldwide in more than 27 countries.

How does Morningstar Premium work?

The biggest challenge for most people regarding investment is the complex information of personal and mutual funds. Fortunately, the Morningstar Premium account simplifies this complex information.

It has a five-star rating system that evaluates each stock and investment opportunity separately. To get in-depth information about these investment opportunities you need to get a paid subscription.

Key Features / Selling Points

Morningstar Premium has many additional features for users who need investment support. Below are some of the most interesting features of the Morningstar Premium subscription

Portfolio X-ray

It is difficult to keep track of the company’s portfolios and compare these portfolios. Fortunately, Morningstar Premium helps build a balanced portfolio by helping users determine their asset allocation using SEC quarterly reports separately from each stock. Users can modify the course to avoid any unwanted damage in this situation. Portfolio X-ray features use a variety of factors and tools to determine this. Here are some of the most important ones:

Fund Screeners

The Fund Screeners feature allows users to filter and search stocks and investment opportunities separately using performance, ratings and categories as key factors. The Morningstar Premium feature allows users to perform these screenings, which include risk, Morningstar rating, durability and overall yield of stock or funds.

The feature allows users to rate analyst grades and narrow down their preferences using that information. All of this information can help you make informed financial decisions.

Portfolio Manager

The portfolio manager feature lets users take an overview of the market and their current financial strategy. You can use it to change your approach and to modify your investment plan. It allows users to create a list of potential opportunities and keep them under observation for extensive development.

This general feature makes it easy for investors to decide which stocks or investments should be flushed or accumulated more money.

Investment planning

Morningstar’s investment planning division can help users plan to conduct detailed market research. It provides users with a starting point with the analysis of more than 200 professionals. There are several categories that users can explore. Some of them include the following:

The Morningstar premium platform also offers a list of five-star stocks for users wishing to bargain for stocks, avoiding the hassle of going through SEC filings and repeated quarterly reports.

Morningstar App Store app

IPhone users are more advanced than other users because they can download the Morningstar app for free from the App Store. This gives easy access to the investment overview. That said, this app does not contain in-depth information that users can find on the website.

The app has a 4.3-star rating which makes it a popular platform for App Store users.

Morningstar: Better than Motley Flower and Seeking Alpha?

While there are advantages and disadvantages to each application for online investors, you should know why Morningstar is a better option for investors than others like Motley Flower and Seeking Alpha. Let’s do a comparative analysis of their advantages and disadvantages.

Motley flowers

Motley Fool is a platform like Morningstar but nowhere near that in terms of deep research options. It is a good platform for users who are willing to invest in a single stock, but it does not provide detailed information for other funds.

The platform may have several highlights like Best Buy Now and Starter Stock, but its features are not comparable to Morningstar’s wide range of options.


  • Proven return track record
  • Higher returns on stock advisors and rule breakers than on other S&P 500’s
  • Multiple options for long-term and leisure investors


  • Expensive
  • More details and information are required to sign up
  • Lack of some explanatory details

Check out our full Motley Flower review.

Looking for alpha

Alpha Search is another platform that helps investors make financial decisions. The downside is that there aren’t enough benefits to investing in a premium account. This makes Morningstar a better alternative than Alpha.


  • Unlimited articles with investment ideas
  • Wall Street Analyst and Author Ratings
  • Ability to track personal portfolio performance


  • High cost for casual investors (especially if you get pro plan)
  • Minimum mutual fund coverage
  • Don’t invest for yourself like Robo-Advisors

Check out our full Seeking Alpha review.

Morningstar Premium Is It Worth It?

Morningstar Premium is worth the investment because it comes with convenient features like:

  • App Store application
  • Investment planning
  • Portfolio management
  • Fund Screeners
  • Portfolio X-ray

Learn more about Morningstar and how it can help investors make better decisions.

2020 Growth Award winners

2020 Growth Award winners

Every year, Canadian business Canadian Entrepreneur Leaders Highlighted Through Growth List – An Established Ranking Businesses with five-year revenue growth and startups with two-year revenue growth. Formerly known as Growth 500, Growth List and Start-up List winners are profiled in a special print issue. Canadian business Published with its December issue McLean Magazine

“Despite the turmoil, 2020 Growth List companies have shown resilience, awareness and, most importantly, empathy and strong leadership,” said Susan Grimbley, Growth List Editor. “As we celebrate more than 30 years of Canada’s fastest growing company program, it is encouraging to see that the heart of Canada’s entrepreneurial community is strong, even in difficult times.”

Ranked categories include, Business pivot; Employer of the year; Excellence in diversity; Women Entrepreneur of the Year; Global business; Benevolent service; And technology trailblazers.

“The award-winning entrepreneurs are fleeting, incredibly imaginative and creative; And really emotional, ”said Sys Grimbly. “They demonstrate these traits, from their significant growth in 2019, to their resilience in 2020 and their great leadership in 2021. For example, they stand like Goliath above the crowd.”

This year’s winners are here:

Fastest Growing Company Award
Marlin spring

Benjamin Buxt, CEO & Co-Founder / Elliot Kazarnovsky, CFO & Co-Founder

This Toronto-based development and investment company has quickly established itself in a competitive industry. From 2014 to 2019 sales revenue increased significantly 57,144%. Succeeding in development, Benjamin Buxt, CEO and co-founder, says more than building. It’s about understanding the market; And how different sectors (residential, commercial, rental) inform each other. Strategic investing in rental properties across North America enhances the company’s brilliance. “We have a specialty,” Boxt noted. “This is value-added real estate.”

The fastest growing start-up award
Steel River Group

Trent Fequette, Founder and CEO

After working in the mining and construction sectors in northwestern Canada, founder and CEO Trent Fequette began creating a business plan for a company that could work for energy giants, but also for indigenous peoples. He started the Steel River Group in 2017. The Calgary-based Steel River Group has established remarkable partnerships with both construction giants and First Nations Group, which has led to tremendous growth. This year’s start-up winners are proud of the two-year revenue growth of 8,662% since 2017.

Business Pivot Award
Copilot AI

Henry B. CEO, Co-Founder / Jesse Chen, CTO, Co-Founder

The award celebrates an entrepreneur whose core ideas may be good, but may not develop; We have to walk the path of success. Vancouver-based CoPilot started as a FinTech but realized that their clients আর্থ financial advisers প্রয়োজন needed revenue-generating sales leads. They have experimented with a number of formats until the creation of the CoPilot Prospecting Dashboard (CPD). As of February 2018, CoPilot AI has grown from $ 5,000 to $ 30,000 per month. Even so, owning one is still beyond the reach of the average person. A proof of courage.

Best Employer of the Year Award
Ahva Digital Group

Dr. Janet Eisensteros, Chairperson and CEO

Living in the DNA of the “ethical” Ahawar digital-marketing company, from offering ethically verified consumer data to managing a woman-led consultant “helps change the perspective of Fortune, B-Corporations and media companies to build relationships with female consumers. Path. ” Dr. Eisensteros supports and promotes his 300-strong workforce through BIPOC initiatives and full benefits: from employee share-ownership plans and bonuses to a formal career-planning program and separate activities from parental leave top-up / child care subsidies. .

Excellence in Diversity Award
KW sign

Amad Abdullah, President / Mueen Abdullah, Director / Nomar Abdullah, Director

The Excellence in Diversity Award celebrates a company whose diversity initiatives create an inclusive employee culture. KW Signs, a major manufacturer of metal sign frames that supports more than 350 distributors across Canada and the United States, boasts 26 BIPOC employees who speak 13 of them and believe that this diversity allows the company to quickly recruit great talent. KW runs a mentorship initiative in the Kitchener-Waterloo area, helping them connect to a strong job-seeker pool; And encourages various appointments.

Women Entrepreneur of the Year Award
Cook it

Judith Fetzer, CEO

Cook It’s Judith Fetzer, a Montreal-based food preparation service, has built a thriving company with intelligence and agility. The original 2014 à la carte model was switched to subscription-based model in 2016 (tripled sales). In view of the significant increase in demand during the quarantine economy, the workforce itself has become a challenge. With about 200 employees in early March, Cook appointed an external recruitment committee, which recruited more than 300 new “distance candidates”. During the period of increasing sales revenue, Fetzer had to come up with new initiatives to help improve the workforce and revitalize the company’s culture.

Global Business Award
Stemcell Technologies

Allen Ives, CEO

Stemcell Technologies produces specialized cell culture media, cell isolation systems and accessories for research in dozens of fields. It supplies 2,500 products directly to 22 countries; And through a worldwide network of distribution centers in 90 other countries. Vancouver-based STEMCELL has a clearly thought-out strategy for global expansion; And it’s out of reach. By 2030, global sales, with an estimated 5,000 employees, are estimated to be 1 billion.

Philanthropy Service Award
D-Square Construction

Dominic Madonna, CEO and owner / Charles Deponte, owner

This company has a track record of deep involvement in the community. In the spring, D-Square Construction promised ্যের 25,000 in relief, telling people in need to leave a short story in their DM describing their challenges. Amounts ranging from $ 1,000 to $ 2,500 have been transferred. With the hashtag #SPREADTHELOVE, they’ve encouraged other businesses to jump in as well. Furthermore, in his targeted program “Path Wide”, D-Squared helps young people directly in Ottawa (in partnership with United Way). Now in its third year, Pave the Way has expanded with a program called Critical Hours, helping 10 high-risk youth in Ottawa’s most vulnerable neighborhoods.

Technology Trailblazer Award

John Lipinski, co-founder and president / Yuanming Shu, co-founder and CEO / Shuo Tan, co-founder and CTO

Dr. Yuanming Shu asked: How can AI teach a computer to interpret human-like geospatial imagery? He created Ecopia.AI in 2013 with Shuo Tan and Jon Lipinski, who developed the original mapping technology, which “uses data from satellites, mobile phones, drones and air imaging sensors to capture a rich picture of our world.” Goal: To create the first complete map of our world in real time. This exceptional achievement has far-reaching implications for the developing world, where NGOs and humanitarian organizations operate without accurate information about their geography.

Thanks again to our amazing sponsors for making Growth 2020 possible: CEO Summit Possible: Presenting Sponsor, Salesforce, Category Sponsor, BDC, Award Sponsor, Johnny Walker Blue Label and Gifting Sponsor, Herballand.

What science-based targets are feeling the pressure on North SMEs

What science-based targets are feeling the pressure on North SMEs

Since the Paris Agreement, those pursuing the media will be severely pressured to avoid the accumulated targets of big corporates by announcing their net zero steps and schemes, such as the Science Agenda Raised Initiative (SBTi) raised by the Media Agenda.

But what about small business? Shane Hughes, Carbon Consulting Lead, Rambler explains that sustainability and climate change are not just for well-known brands. No minimum size required. Net zero race is not a queue for a theme park ride Efforts and commitment from SMEs are vital if the UK wants to achieve its net zero target that SMEs make up more than 90% of the UK’s business population.

Why now?

Environmental policy formulation is only one way. Whether this policy-making momentum will be sufficient to address the challenges that society may face is entirely a matter of debate, but it is clear that government control will only become more limited. An example is, among others, the introduction of Procurement Policy Notice (PPN) 06/21 in September. This PPN stipulates that any company that wants more than £ 5 million in government spending must have a Net Zero strategy. It’s not just the government, but major buyers are also beginning to need a change in their supply chain: Network Rail has promised that 75% of its suppliers (by emissions) will have a science-based target (SBT) by 2025; Nandor Chickenland Limited is committed to reducing price chain emissions by 42% per meal by 2030; Canary Wharf Group is committed to having an SBT of 60% suppliers by 2025.

Contracts are becoming dependent on environmental compliance and good sustainable performance is quickly becoming the new face of opportunity, sometimes pointing to the bottom line of a business. Check out the sustainability boom associated with money and investment, or the packet of food in your closet is now announcing its carbon footprint. A recent study by Deloitte on consumer behavior and sustainability found that about 1 in 3 consumers said they stopped buying certain brands or products because of sustainability or ethical concerns.

Most importantly, the science of showing the risk of climate catastrophe has become unequivocal. The center of gravity has shifted and even workers are becoming more vocal about their willingness to work for organizations that are taking their climate response seriously, a powerful call for action at a time when the employment market is fluid and employee retention has become a huge and immediate challenge.


Of all the possibilities, most of the above arguments have already been won The real challenge for small businesses now is how they work, rather than how they should work. Given so much greenwashing and uncertainty what is it like to see a credible net zero strategy? Is it too much for a company to accept?

SBTs have been the main route for big corporates to demonstrate credible ambitions but, surprisingly for some, the acquisition of an approved SBT is not just a saving for big corporates. Often small companies avoid processes like SBT because they do not have a sustainable division and the administrator’s burden of managing such a scheme is inconsistent. Rambler sees it through a lot of certification schemes. An approved SBT is really very achievable for SMEs with a five-step pragmatic approach to start delivering the change needed to address the challenges of climate change:

Step 1

Large or small, any company setting carbon reduction targets must calculate their chances for selected base years (e.g. 2019 or 2020) 1 and 2 CO2 emissions (e.g. gas, electricity and fuel used in proprietary vehicles). It should be relatively straightforward and luckily there are plenty of free resources available, such as this Carbon Trust Net Zero Journey Planner and this Carbon Calculator. One expert suggests that in most cases choosing market-based reporting for Scope 2 electricity would be the preferred method, especially when your onsite renewable installation capacity is limited and you have to rely on green electricity tariff purchases to decarbonize your electricity costs.

Step 2

Value Chain Scope 3 The process of calculating emissions is much more time and expense when calculating emissions (such as business travel or use of your product or emissions from the products and services you purchased). However, unlike the larger companies, SMEs do not need to set opportunity 3 targets for SBTi. So go for it! Complete step 1 and submit your CO2 emission number and select a 1.5 ° C target (which is equal to 4.2% reduction pa). There is an option for a well below the 2 ° C target (2.5% reduction PA) but that option is not generally recommended for companies that want to demonstrate a credible level of climate commitment to employees, customers and regulators. SMEs have a dedicated ‘streamlined route’ for an approved SBT, which will cost only $ 1,000 instead of $ 9,500.

Step 3

SMEs do not need to submit a Scope 3 target, however, they must be committed to measuring and reducing their Scope 3 emissions. This gives them some time to invest in gradual skills and capacity building and to learn more about this critically important window in the value chain. Start by making an estimate for all 15 Scope 3 emissions using the GHG Protocol Quantum tool. The tool contains some unnecessary errors and uses proxy data from the US so Ramboll has developed a slightly more refined and country-specific version to use with clients, but it says that using the free tool is enough to start a business. Since it is approved by the GHG protocol, it has reliability.

Step 4

SMEs should use the estimation process to identify which is the largest source of their Scope 3 emissions and should overlay it with the knowledge of local government requirements for future proof and define which Scope 3 emissions data collection should start. For example, the UK has the Streamlined Energy and Carbon Reporting (SECR) regulation, which requires Scope 3 business travel emissions reporting and PPN 06/21 requires business travel, upstream and downstream transportation, employee commuting and waste emissions. With the goal of including 95% of total Scope 3 emissions in overtime reporting, businesses should increase the percentage of Scope 3 emissions over the years that they collect and report data.

Step 5

Finally, SMEs should identify and implement emissions reduction measures. This step can be run in parallel with other steps. There is no need to wait for all the data if there is a clear and unambiguous way to reduce the impact of an organization on climate change. However, once traders get visibility of their total emissions, it will begin to announce their carbon reduction plans in line with their 1.5 degree Celsius target.

The latest thought

Finding a business solution to work in a sustainable society is a stressful affair. Entrepreneurs need to take the challenge seriously from both a regulatory and innovative perspective and act now. They should not be pushed into a false sense of security because the government has not yet looked into them. The law will come, and SMEs need to make sure they are not shaken. The growing sophistication of the sector has brought environmental compliance within reach. Businesses ignore this at their own peril, because they will pay later

Thai cabinet approves crypto-friendly tax rules

Thai cabinet approves crypto-friendly tax rules

BANGKOK (NNT) – The cabinet this week approved relaxed tax rules for cryptocurrency traders, in line with other crypto-related measures previously announced by the government. Investors will be exempted from 7% value added tax (VAT) for crypto trading on approved exchanges.

Finance Minister Arkham Trumppittapaisith has announced that traders will be allowed to offset their annual losses as well as profits for taxes. New tax rules have been introduced in recent years in response to the rise of crypto trading.

The new rules will give traders a variety of benefits, including exemption from value-added tax, settlement of losses and higher crypto trading activity in Thailand.

The administration is keen to assist in the promotion and development of the cryptocurrency industry. In addition to relaxed crypto taxation, the cabinet approved tax breaks for investing in startups.

Tax breaks for investing in startups

Investors will be tax-exempt from the sale of startup shares if they have held the shares for more than two years. The offer is valid until 2032.

The relaxed rules will be effective from April 2022 to December 2023 and will apply to digital currency of the Central Bank of Thailand as well as other cryptocurrencies in circulation.

The Kingdom’s crypto-economy grew significantly last year from 170,000 active crypto traders in January 2021 to 2 million at the end of the year.

Information and sources

  • Reporter: Paul Rujopakorn
  • Rewriter: Paul Rujopakarn
  • National News Bureau:

Robo-Advisors vs. Financial Advisors – Modest Money

Robo-Advisors vs. Financial Advisors – Modest Money

Human interaction is always good, isn’t it? Human financial advisors are often sought for expert knowledge about investment portfolios. In recent decades, technology has advanced enough to bring us Robo-Advisor, AI that works on algorithms for investment advice.

Which is better? This is the final question.

Good for Robo-Advisor: Good for human advisors:
Automated investment strategies Brings human elements
Low cost Find the answer to the question
Hands off investors Hand-in-hand investors
Profile optimization without errors Further personalization

We are going to compare the better human advisors of reliable financial institutions like banks with the Robo-advisors of Betterment and M1 Finance. Yes, that’s right. The two companies that we used to fight against each other are now partnering and fighting people.

Betterment and M1 Finance Robo-Advisor VS Broker – Determining Factor

The winner of the Robo-Advisor VS Human Adviser contest is personal because everyone is looking for something different. While some may prefer the simplicity of Robo-Advisor and its automation, others need a more humane touch. So, what is the determining factor?

Factor 1: Fee

Let’s start with the fees because many of them are concerned. It is unknown at this time what he will do after leaving the post. Sometimes there’s just no chemistry, no proper communication, or a mutual understanding, and that’s okay. Just go to someone else, or you can try your hand at a robo-advisor, which is usually much less expensive and even free with your chosen platform.

A financial advisor can command from a couple up to several hundred dollars per hour, depending on experience. These are some crazy prices! Betterment charges $ 0 for starting an account with them and the annual fee for an investment account is only 0.25%. For the interest on your cash balance, it is about 0.10%, which is not too bad.

Betterment Robo-Advisor also gives you the option to set up a goal-oriented account, which can help you adjust your portfolio somewhat to reflect your goals and risk tolerance.

M1 Finance also has low fees, helpful tools and strategies. The minimum account for M1 Finance is only $ 100, and you get account insurance, and your investment transaction is commission-free! However, there is a $ 125 annual fee for the M1 Plus and a fee for some services such as mutual fund sales.

Factor 2: Investment Strategies and Features

What can a human advisor do for you when it comes to investing strategies? Almost anything! Yes, people can sympathize with your financial hardship, which is definitely a pro. However, Robo-Advisors in M1 Finance and Betterment are great for everyday people who want to take a more hands-off and passive investment approach.

M1 Finance has automated portfolio investments like Betterment, which really reduces the number of headaches you do as a result of research. This is not to say that you should not persevere, but that helping Robo-advisors is a plus.

What we really like about Betterment and M1 Finance’s Robo-Advisors is the Tax Loss Harvesting feature. This feature is used to balance your tax loss with profit in other cases. Robo-advisors can do this quickly and automatically, more than we can say for human brokers.

With M1 Finance and Betterment Robo-Advisors, you can still design your own portfolio as you would with human advisors, but you don’t have to rely on banks and providers to do this.

Factor 3: Support and assistance

Human advisors are more effective when you have a lot of questions, or if you have a special situation that requires immediate adjustment to your profile. However, can you be sure that the other person always has your best interests at heart, or that everyone is just trying to find out for themselves?

The thing you can answer is that AI Robo-Advisors does not want to get you and they provide neutral options, advice and suggestions to help you. They may not be able to handle or understand complex requests, but they are always accessible.

You might think that the algorithms and equations that AI advisors use to calculate can also be done by humans. While you are right, the margin of human error is much higher than that of Robo-advisors like M1 Finance and Betterment. Not to mention, they’re faster.

If you are really looking for a set-it-and-forget-it option, we think there is no better resource than Robo-Advisor. This type of investment strategy is also very useful for many newcomers, which is another reason why AI advisors are so popular.

Final takeaway

The winner will be Robo-Advisor by Longshot. Fortunately (or unfortunately, depending on how you view it), you don’t have to choose between the two. Many human counselors also now enlist the help of AI to enable them to execute their services faster and more accurately.

It just makes us think that if we can get closer to the same services by choosing Robo-Advisors then why do we have to spend hundreds of dollars? Click on M1 Finance Or Improvement To find out how you can start saving more money.

Related Investment Product Reviews:

A new CB is coming in September 2021

A new CB is coming in September 2021

Refocused and Revived, Canada’s Most Influential Business Magazine, will help readers connect with leaders who are innovating in this country.

Business is changing in Canada – and so on Canadian business.

Trusted by executives and entrepreneurs for nearly a century, the country’s leading business magazine is re-focused, re-energized and ready for its exciting re-launch this October. Online and in print, the publication will offer everything from inspiring profiles to unique thought leadership that reflects the changing look of business from coast to coast – and keeping an eye on global trends.

“Business leaders today are not what they were a decade ago – or even five years ago,” said Charlotte Herald, its newly appointed editor-in-chief. Canadian business. “They are young, diverse and progressive minded. They are working to build a better future for Canada by encouraging meaningful change, not just looking down the line. “

Already with this change, the upward effects of COVID-19 have brought these leaders – and their border-pushing ideas – even further. As they help Canada “thrive” in the post-epidemic world, Canadian business They will be there to provide inspiration and resources for their important work.

That’s something Canadian business Has been doing this for over 90 years. The magazine was started in 1928 as a newsletter of the Canadian Chamber of Commerce. Although its content was highly bureaucratic, its goal (and chamber) was high: to foster a spirit of cooperation among business leaders – and in doing so, to encourage innovation and improve the economy.

2021 and beyond, Canadian business About uniting the business community of the country. And whether you’re a small business owner or an industry captain, there are real benefits to joining our community. Sign up now Our e-newsletter is a great way for us to challenge the status quo to learn more about our relaunch and show new ways to do business. Among them, our Canadian Business Leadership Circle provides exclusive insights and experiences courtesy of a new C Suite-Level Executive each month, while our CB Insider membership program will help you connect with other business leaders across Canada.

Because leaders do all this. They communicate with clarity and authenticity. They embrace change. They build relationships with purpose. Exactly what you can expect from the new Canadian business.

To be one of the first to get access to new Canadian business opening issues, as well as access to customer events and more, Subscribe now for a special rate of $ 24 for 8 (eight) issues (Regular price $ 40).

Greggs will raise the price of sausage rolls despite record sales of 23 1.23 billion

Greggs will raise the price of sausage rolls despite record sales of 23 1.23 billion

Greggs warned that inflationary pressures would make his sausage rolls more expensive and cut profits this year, even as the bakery chain toasted record results.

Roger Whiteside, 63, a retired chief executive of the bakery chain, said it would be “irresponsible to provide a guarantee that prices will not rise further” as the industry faces “inflation across the board”. He added that as a result of the pressure, “we do not currently expect material gains in the coming years.”

Shares of Greggs initially fell 10 percent yesterday on caution, but fell just 77p, or 3.4 percent, to £ 22.06 as analysts predicted the company’s strength and growth prospects.

The Newcastle-upon-Tyne-based firm said before the Ukraine crisis that it expected inflation to be around 5 percent due to high labor, energy and material costs. But the impact of rising soft-commodity spending means inflation is now running at 6 to 7 percent.

Gregs said spending pressures at the beginning of the year were already “requiring some price increases”, “and further increases are expected.” The price of a Greggs sausage roll rose 5p to £ 1.05 last year, while other items rose 10p, sparking outrage from some customers.

Whiteside says Greggs will not jeopardize its position as a low-cost food retailer, so its price increase will depend on the competitive landscape.

Despite inflationary pressures, Greggs has confirmed plans to expand his shop estate from 2,181 to at least 3,000 stores by opening 150 stores a year. It recently opened sites in London’s Canary Wharf and Kings Cross, as well as a number of “drive-through” sites, as it focuses on city locations where rents fall during the epidemic.

The update comes as Greggs reports the biggest sales and profits in its 71-year history. Sales grew বছরে 1.23 billion a year from January, up 51 percent from last year when it was disrupted due to lockdowns and low manpower, and increased by 5.3 percent in 2019 compared to pre-epidemic levels.

Whiteside says “sales performance has been achieved despite unexpected supply shortages [becoming] Is a daily feature of our activities. “

Annual pre-tax profits rose to 145.6 million, compared to last year’s loss of £ 13.7 million, and still higher than the র 108.3 million recorded in 2019 before the coronavirus crisis. As a result of the profit recovery, Greggs is offering his employees a .6 16.6 million reward and a 40p-per-share special dividend for investors above the 42p-per-share final dividend.

Whiteside said, “In my long retail career, I have never experienced such a high level of prolonged disruption in operations, and we owe our success last year to our team’s commitment and willingness to work with these issues.”

The chief executive, who has overseen the seven-fold rise in Greggs’ share price over his nine-year term, will resign in May and hand it over to retail and property director, 50-year-old Roisin Curry. The company has identified international expansion as its next growth area.