{"id":3144,"date":"2018-01-21T14:32:43","date_gmt":"2018-01-21T14:32:43","guid":{"rendered":"https:\/\/www.foxymonkey.com\/?p=3144"},"modified":"2018-01-21T17:22:53","modified_gmt":"2018-01-21T17:22:53","slug":"isa-crypto-essay","status":"publish","type":"post","link":"https:\/\/www.foxymonkey.com\/isa-crypto-essay\/","title":{"rendered":"Robo Advisors, ISA and Crypto &#8211; A Reader&#8217;s Essay"},"content":{"rendered":"<p>I love it when readers engage with Foxy Monkey content and contribute back. This time,\u00a0Navjot Singh Walia, an MSc student from Queen Mary University of London asked me to share his essay with my readers.<\/p>\n<p>The quality of the document is very good and I happily agreed.<\/p>\n<p>Without further ado, please grab a cuppa and read the essay.\u00a0It covers a range of financial topics from Robo Advisors, pros and cons of different ISAs (Stocks &amp; Shares, Cash ISA and Innovative Finance ISA) to a cryptocurrency coins breakdown.\u00a0Back to Basics!<\/p>\n\n<h2>Robo Advisors<\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-large wp-image-3151 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-1024x724.jpg\" alt=\"Robo advisor\" width=\"640\" height=\"453\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-1024x724.jpg 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-300x212.jpg 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-768x543.jpg 768w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-100x70.jpg 100w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-640x452.jpg 640w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920.jpg 1920w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-large wp-image-3151 lazyload\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-1024x724.jpg\" alt=\"Robo advisor\" width=\"640\" height=\"453\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-1024x724.jpg 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-300x212.jpg 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-768x543.jpg 768w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-100x70.jpg 100w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920-640x452.jpg 640w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/robot-507811_1920.jpg 1920w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/noscript><\/p>\n<h3>What are they?<\/h3>\n<p>Just steps behind from the cutting edge investments are the \u2018Robo Advisors\u2019. In brief,<br \/>\nthey are \u201calgorithm driven financial planning services supported by a digital platform<br \/>\nwhich have little to no human intervention\u201d.<\/p>\n<p>Betterment was one of the first to launch in 2010, having been founded in 2008 following the financial crash. They have now become one of the biggest, with approximately $10 billion assets under management [<a href=\"https:\/\/www.fastcompany.com\/40449263\/the-first-robo-advisor-startup-surpassed-10-billion-in-assets-under-management\" target=\"_blank\" rel=\"noopener\">source<\/a>].<\/p>\n<p>A Robo Advisor, gathers information from clients, predominantly through basic methods<br \/>\nsuch as questionnaires or online surveys.\u00a0This is to understand their financial situation, goals and appetite to risk. In turn, they collate this date to design a ready-made portfolio of<br \/>\ninvestments.<\/p>\n<p>It removes the high costs that are associated with financial advisors &#8211; breaking the<br \/>\nclich\u00e9d image of a pin-striped suited Independent Financial Advisor (IFA). Robo-Advisors initial purpose was to rebalance the financial eco-system by giving greater power to those with less wealth.<\/p>\n<p>Since inception, Robo-Advisors have come a long way and they have begun to broaden<br \/>\nthe financial products that they offer investors. As of 2015 over $60 billion of assets<br \/>\nwere under management and they are <a href=\"http:\/\/uk.businessinsider.com\/hsbc-unveils-robo-advisor-plans-2017-11\" target=\"_blank\" rel=\"noopener\">predicted to manage<\/a> over $1 trillion by 2020 and<br \/>\naround $4.6 trillion by 2022.<\/p>\n<p><em>Foxy Monkey comments:\u00a0<\/em>Here in the UK, the most popular one is <a href=\"https:\/\/www.nutmeg.com\/\" target=\"_blank\" rel=\"noopener\">Nutmeg<\/a>.<br \/>\nLooking for an Independent Financial Advisor (IFA)? Check out <a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"_blank\" rel=\"noopener\">Unbiased.co.uk<\/a><\/p>\n<h3>Who are Robo Advisors for?<\/h3>\n<p>Put simply they are for EVERYONE. As stated by thebalance.com:<\/p>\n<blockquote><p>\u201cRobo-Advisors can be<br \/>\na great solution for first-time investors, young professionals who want to put their<br \/>\nportfolio on \u201cautomatic\u201d, and for investors that have a relatively simple situation\u201d.<\/p><\/blockquote>\n<p>In the past an investor only had two real investment options:<\/p>\n<ul>\n<li>Do it yourself (DIY), which involved a lot of research and time and risk involved<\/li>\n<li>Financial Advisors, which included high costs and risk of advisors bias to fill up<br \/>\ntheir own pockets.<\/li>\n<\/ul>\n<p>In contrast to financial advisors who are usually for the wealthy, Robo advisors offer<br \/>\nportfolios for as low as \u00a31.<br \/>\nBefore you jump into investing with a Robo-Advisor let\u2019s look at some of the pros and<br \/>\ncons.<\/p>\n<h3>Drawbacks of investing with a Robo-Advisor<\/h3>\n<ul>\n<li>Lack of a Personal Touch: Interacting with Robo-Advisors is typically all online<br \/>\nwith no opportunity to speak to an advisor face-to-face. This is a significant<br \/>\ndifference to traditional IFAs. There can also be a perception that due to the scale that Robo-Advisors are looking to achieve you do not get as personalized a<br \/>\nservice as you could with an IFA.<\/li>\n<li>Control of your Portfolio Options: Robo-Advisors do not currently let you<br \/>\ncontrol the investments that are held within your portfolio. This is seen as an<br \/>\nadvantage to many but others like to have greater control over what is in a<br \/>\nportfolio. There are investment strategies that go beyond algorithms.<\/li>\n<li>The false attack on advisors: Fees can range from 0.5% to 2% for different Robo-<br \/>\nAdvisors. Therefore, at the higher end of this fee spectrum, the much-talked-about reduction in fees is not quite as impactful.<\/li>\n<\/ul>\n<h3>Advantages of investing with a Robo-Advisor?<\/h3>\n<p>Though with few drawbacks, Robo-Advisors are becoming increasingly popular for some<br \/>\nof the following reasons.<\/p>\n<ol>\n<li><strong>Low Fees:<\/strong> Einstein called compound interest the 8th wonder of the world. The<br \/>\nimpact of compound fees is just as important for investors to understand. Basis<br \/>\npoints of fees compound to make a huge impact over 25 years. The lower fees<br \/>\nthat a Robo will charge is, therefore, a compelling reason to consider investing in<br \/>\nthis way.<\/li>\n<li><strong>Automatic Diversification:<\/strong> The fact that a Robo can easily and quickly offer you a<br \/>\nwell-diversified investment portfolio is a real selling point. In the past, the need<br \/>\nto find the right mix was either off-putting and time-consuming for DIY investors<br \/>\nor expensive for those using IFAs or Wealth Managers.<\/li>\n<li><strong>Attracting new investors:<\/strong> Robo-Advisors have encouraged more people to begin<br \/>\nto invest for the future. Well-designed websites and mobile apps with the<br \/>\nmentioned lower fees, it has helped the financial advisory market grow<br \/>\nsignificantly.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/www.off3r.com\/\" target=\"_blank\" rel=\"noopener\">OFF3R<\/a> is a great place to compare some of the best Robo-Advisors.<br \/>\nBut if you believe you are more of Old School, there are other investments with little or<br \/>\nno influence of technology you can look into and are discussed in the following<br \/>\nparagraphs.<\/p>\n<h2>ISAs<\/h2>\n<h3>Stocks and Shares ISA\u2019s<\/h3>\n<h4>What are they?<\/h4>\n<p>ISA stands for Individual Savings Account is a tax-free way to invest or save. Everyone in<br \/>\nthe UK over 18 is privileged with ISA allowance of \u00a320,000. This means returns on<br \/>\ninvestments of up to \u00a320,000 through ISA is tax-free.\u00a0That could be cash ISA or Stocks and shares ISA or mix of both.<\/p>\n<h4>Comparison between Cash ISA and Stocks and Shares ISA<\/h4>\n<p>Cash ISA is similar to and has all the features of normal savings account but the interest<br \/>\nearned is tax-free. You can choose from a range of Cash ISA products targeted at<br \/>\ndifferent individual needs such as Instant access: providing more liquidity or Fixed rate-<br \/>\nfor lump sum savings.<\/p>\n<p>Stocks and shares ISA on the other hand as the name suggests in the investment in<br \/>\nstocks and shares via ISA and earn tax-free gains. One of the biggest benefits is the<br \/>\npotential returns. They can be higher than cash ISA with low-interest rates prevailing in<br \/>\nthe market.<\/p>\n<p>Higher gains never come without higher risks. There is always a possibility of the\u00a0investment value to go down as well as up or to be at par with the investment made.<br \/>\nThere\u2019s another good news for ISA\u2019s investors. With the new inheritance law related to<br \/>\nISA dictates <a href=\"https:\/\/moneyfacts.co.uk\/guides\/isas\/inheritance-isas--the-new-rules\/\" target=\"_blank\" rel=\"noopener\">ISA assets can now be passed on<\/a> to spouses or civil partners and can still<br \/>\nretain their Tax-free status.<\/p>\n<p><em>Foxy Monkey:<\/em> See <a href=\"https:\/\/www.foxymonkey.com\/best-stocks-and-shares-isa-provider\/\">The Best Stocks &amp; Shares ISA Provider<\/a><\/p>\n<h3>Lifetime ISA (LISA)<\/h3>\n<p>Lifetime ISA is a savings product, designed to help people at two different points in their lifetime:<\/p>\n<ul>\n<li>When they want to buy their first house flat<\/li>\n<li>When they want to retire<\/li>\n<\/ul>\n<p>Savers can only open a Lisa if they are between the ages of 18 and 39 inclusive. They can pay up to \u00a34,000 a year, but no more. At the end of the first year, the government will add a 25% bonus, i.e. up to \u00a31,000.<\/p>\n<p>From 2018\/19, this bonus will be paid monthly. Since you can continue to pay\u00a0into a Lisa up until the age of 50, the potential eventual bonus is up to \u00a332,000.<br \/>\nSimilar to an ordinary ISA, Lisa money can be invested as cash or in stocks and shares<br \/>\nand is the part of \u00a320,000 ISA limit.<\/p>\n<p>See BBC article:\u00a0<a href=\"http:\/\/www.bbc.co.uk\/news\/business-37318001\" target=\"_blank\" rel=\"noopener\">The Lifetime Isa: Free money &#8211; or just too complicated?<\/a><\/p>\n<p>Off3r is a great place to seek help and lets you compare some of the LISA with minimum<br \/>\ninvestment of as low as \u00a325 to the maximum limit of \u00a34000.<\/p>\n<h3>Innovative Finance ISA (IFISA)<\/h3>\n<p>Apart from Cash or Stock and shares, there\u2019s the new form of ISA. Innovative finance ISA<br \/>\naka IFISA which contains peer-to-peer loans.<\/p>\n<p>Platforms offering IFISA matches us lenders to borrowers who can be an individual,<br \/>\nbusinesses or property developers.<\/p>\n<p>Money invested in IFISA is the part of \u00a320,000 per year allowance. Off3r really is a good place to look into and compare IFISA offered by various different platforms.<\/p>\n<p>See also:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.foxymonkey.com\/zopa-review-investor\/\" target=\"_blank\" rel=\"noopener\">Zopa Review for Investors (Peer-to-peer lending)\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.foxymonkey.com\/recommends\/ratesetter\/\" target=\"_blank\" rel=\"noopener\">Ratesetter<\/a><\/li>\n<\/ul>\n<h2>Cryptocurrency<\/h2>\n<h3>Introduction<\/h3>\n<p>Cryptocurrencies, also known as virtual currencies, have made headlines from the North<br \/>\nto the South Pole. There is much speculation that cryptocurrency, the hot topic of the<br \/>\nmodern world will become the \u2018money of the future\u2019. Just like how Columbus intended<br \/>\nto find India and discovered America, the story of Bitcoin, the first and foremost<br \/>\ncryptocurrency, is not that different.<\/p>\n<p>The unknown founder Satoshi Nakamoto <a href=\"http:\/\/satoshi.nakamotoinstitute.org\/emails\/cryptography\/16\/\" target=\"_blank\" rel=\"noopener\">announced the first release of Bitcoin<\/a>, a new<br \/>\nelectronic cash system that uses a peer-to-peer network to prevent double-spending in<br \/>\n2009.<\/p>\n<blockquote><p>&#8220;It is completely decentralised with no server or central authority. \u2013 Satoshi<br \/>\nNakamoto, 09 January 2009, announcing Bitcoin on Source Forge.&#8221;<\/p><\/blockquote>\n<p>If only Nakamoto knew what his non-regulated digital peer-to-peer cash system would amount to.<\/p>\n<p>This was not the first time someone tried to create a deregulated virtual currency. There<br \/>\nwere many trials in the nineties, such as Digicash. However, Satoshi found the missing<br \/>\npiece when he created Bitcoin \u2013 involving the trust element by including miners who<br \/>\ntimestamp the transaction in hash nodes.<\/p>\n<p>Moreover, a distributed hash table (DHT) is a class of a decentralized distributed system that provides a lookup service similar to a hash table: (key, value) pairs are stored in a DHT, and any participating node can efficiently retrieve the value associated with a given key. Unlike having a centralised system doing it, it\u2019s the network of peers doing it using Blockchain technology as the support system.<\/p>\n<h3>Evolution<\/h3>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-3158 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/cryptocurrency-3085139_640.jpg\" alt=\"Cryptocurrency evolution\" width=\"640\" height=\"394\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/cryptocurrency-3085139_640.jpg 640w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/cryptocurrency-3085139_640-300x185.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><noscript><img decoding=\"async\" class=\"alignnone size-full wp-image-3158 lazyload\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/cryptocurrency-3085139_640.jpg\" alt=\"Cryptocurrency evolution\" width=\"640\" height=\"394\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/cryptocurrency-3085139_640.jpg 640w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2018\/01\/cryptocurrency-3085139_640-300x185.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/noscript><\/p>\n<p>Cryptocurrencies have come a long way in the last decade. Though Bitcoin is still the<br \/>\nmost popular with roughly 36% of the market share (as of 21 Jan 2018), there are other cryptocurrencies obtaining the limelight and share in the market such as:<\/p>\n<ul>\n<li><strong>Ethereum<\/strong> &#8211; currency name: Ether has the additional feature of smart contracts<br \/>\n(Blockchain stored applications for contract negotiation and facilitation using<br \/>\nether for peer-to-peer contracts).<\/li>\n<li><strong>Iota<\/strong> &#8211; unlike Bitcoin, Iota uses a web structure called Tangle which asks anyone<br \/>\nsubmitting transactions to verify it by identifying two random transactions<\/li>\n<li><strong>Ripple<\/strong> &#8211; with the initial purpose to be a payment system, remittance network<br \/>\nand currency exchange, unlike bitcoin&#8217;s peer-to-peer currency protocol.<\/li>\n<li><strong>Dash\u00a0<\/strong>&#8211; Following the same concept as Bitcoin but overcoming its weaknesses<br \/>\nsuch as instant send, immediate transfer (i.e. within seconds) of currency as<br \/>\ncompared to a minimum of 10 minutes in Bitcoin, Dash also has a new concept of Masternodes, which benefits the users with payments and other transactional<br \/>\nfeatures and secures the network. A Masternode operator invests 1,000 Dash for<br \/>\nhosting a Masternode, receives 45% rewards for mining a Dash Block and gets 7<br \/>\nDash every month as a reward. [<a href=\"https:\/\/www.hashgains.com\/comparison\/bitcoin-vs-dash\" target=\"_blank\" rel=\"noopener\">Source<\/a>].<\/li>\n<li><strong>Litecoin<\/strong>: Charlie Lee the creator wanted Litecoin to be the silver of the crypto<br \/>\nmarket, with Bitcoin being the gold. In layman\u2019s language, Litecoin mining can be<br \/>\ndone with normal computers, rather than the high spec, performing computers<br \/>\nrequired for Bitcoin mining. Other features include less transaction time, simpler<br \/>\ncryptographic algorithm and 84 million Litecoin as compared to 21 million<br \/>\nBitcoin. Whilst, these coins have the most significant market cap, there are approximately 1,400 cryptocurrencies in total, each with their own pros and cons. See <a href=\"https:\/\/coinmarketcap.com\/all\/views\/all\/\" target=\"_blank\" rel=\"noopener\">coinmarketcap<\/a>.<\/li>\n<\/ul>\n<h3>Pros &amp; Cons<\/h3>\n<h4>Growth Drivers<\/h4>\n<p>Cryptocurrency has grown exponentially over the past couple of years; here are some of<br \/>\nthe reasons why.<\/p>\n<ul>\n<li>Decentralised protocols and proof of stake protocol of cryptocurrency solve the<br \/>\nproblem of inflation (in this type of consensus algorithm, instead of investing in<br \/>\nexpensive computer equipment in a race to mine blocks, a &#8220;validator&#8221; invests in<br \/>\nthe coins of the system).<br \/>\n<a href=\"https:\/\/medium.com\/@EthereumRussian\/advantages-and-disadvantages-of-cryptocurrencies-187f0aaf83b3\" target=\"_blank\" rel=\"noopener\">Inflation is almost non-existent<\/a> in the crypto world and<br \/>\neven the slightest existence is known and the numbers are not hidden.\u00a0Unlike<br \/>\ncentralised banks where the rate of inflation is not known and banks print the fiat<br \/>\nwithout public approval.<\/li>\n<li>There are no limits on the amount and the areas where you can send virtual<br \/>\ncurrencies, thereby mitigating one of the major drawbacks of fiat currency.<\/li>\n<li>There is less transaction time and limited to no fees as compared to SWIFT<br \/>\n(Society for Worldwide Interbank Financial Telecommunication)\/SEPA (Single<br \/>\nEuro Payments Area).<\/li>\n<li>The model is transparent as the network is aware if someone attempts to cheat<br \/>\nor scam another person, as the ledger is fully auditable and open.<\/li>\n<li>No one has the authority to block or freeze a cryptocurrency wallet.<\/li>\n<\/ul>\n<h4>The Other Side<\/h4>\n<p>As always, there are two sides to every coin, and cryptocurrencies do not come without<br \/>\ndrawbacks.<\/p>\n<ul>\n<li>Scalability of cryptocurrency is a concern, as many regions in the world do not<br \/>\nhave sufficiently fast networks and servers to support the currencies.<\/li>\n<li>There is still a large number of unknowns with cryptocurrency and it takes time<br \/>\nto adapt to the change.<\/li>\n<li>Regulation of cryptocurrency is happening, notably in China where<br \/>\ncryptocurrency trading and raising funds through Initial Coin Offerings <a href=\"https:\/\/www.forbes.com\/sites\/kenrapoza\/2017\/10\/18\/chinas-blockchain-bitcoin-ban-no-match-for-stateless-cryptocurrency-market\/#3877910e2de6\" target=\"_blank\" rel=\"noopener\">(ICOs) has<\/a><br \/>\nbeen banned. However, the rate at which this regulation is occurring still falls<br \/>\nbehind the rapid rate at which the cryptocurrency market is growing.<\/li>\n<li>Changing a protocol in a cryptocurrency is another drawback as it is a very long process, but can be improved with community efforts.<\/li>\n<li>As in any new asset class, there will always be a risk of price volatility. With the<br \/>\nprice of bitcoin fluctuating from $904 to $14,612 just in the past 12 months,<br \/>\nreaching a high of $19,343 in December 2017. See <a href=\"https:\/\/www.coindesk.com\/price\/\" target=\"_blank\" rel=\"noopener\">coinmarketcap prices<\/a>.<\/li>\n<li>The most concerning drawback to cryptocurrencies is the prevalence of hacks,<br \/>\nparticularly to exchanges, such as the <a href=\"https:\/\/blockgeeks.com\/guides\/cryptocurrency-hacks\/\" target=\"_blank\" rel=\"noopener\">Dao Hack in 2016<\/a>, creating a risk that you<br \/>\ncould lose everything with no right to compensation.<\/li>\n<\/ul>\n<p>You can compare and view different cryptocurrencies and their market value and trends<br \/>\non Crypto Compare and Coinmarketcap.<\/p>\n<p><em>Read also:<\/em><\/p>\n<ul>\n<li><a href=\"https:\/\/www.foxymonkey.com\/bitcoin-madness\/\">Bitcoin Madness: Missed the boat already or time for a new era?<\/a><\/li>\n<li><a href=\"https:\/\/www.foxymonkey.com\/buy-ethereum-uk-no-fees\/\">How to buy Ethereum without fees in the UK, US and Europe<\/a><\/li>\n<li><a href=\"https:\/\/www.foxymonkey.com\/investing-1\/\">Investing 101<\/a><\/li>\n<\/ul>\n<p><strong>Resources<\/strong><\/p>\n<ol>\n<li>http:\/\/satoshi.nakamotoinstitute.org\/emails\/cryptography\/16\/<\/li>\n<li>https:\/\/www.hashgains.com\/comparison\/bitcoin-vs-dash<\/li>\n<li>https:\/\/coinmarketcap.com\/all\/views\/all\/<\/li>\n<li>https:\/\/medium.com\/@EthereumRussian\/advantages-and-disadvantages-of-cryptocurrencies-187f0aaf83b3<\/li>\n<li>https:\/\/www.forbes.com\/sites\/kenrapoza\/2017\/10\/18\/chinas-blockchain-bitcoin-ban-no<\/li>\n<li>match-for-stateless-cryptocurrency-market\/#3877910e2de6<\/li>\n<li>https:\/\/www.coindesk.com\/price\/<\/li>\n<li>https:\/\/blockgeeks.com\/guides\/cryptocurrency-hacks\/<\/li>\n<li>https:\/\/www.fastcompany.com\/40449263\/the-first-robo-advisor-startup-surpassed-10-billion-in-assets-under-management<br \/>\nhttp:\/\/uk.businessinsider.com\/hsbc-unveils-robo-advisor-plans-2017-11<\/li>\n<li>https:\/\/www.thebalance.com\/top-robo-advisor-services-4143359<\/li>\n<li>https:\/\/moneyfacts.co.uk\/guides\/isas\/inheritance-isas-the new rules\/<\/li>\n<li>http:\/\/www.bbc.co.uk\/news\/business-37318001<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>I love it when readers engage with Foxy Monkey content and contribute back. This time,\u00a0Navjot Singh Walia, an MSc student from Queen Mary University of &#8230; <a title=\"Robo Advisors, ISA and Crypto &#8211; A Reader&#8217;s Essay\" class=\"read-more\" href=\"https:\/\/www.foxymonkey.com\/isa-crypto-essay\/\" aria-label=\"More on Robo Advisors, ISA and Crypto &#8211; A Reader&#8217;s Essay\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":3151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36,156],"tags":[178,151,177,192,175],"class_list":["post-3144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-reading","tag-cryptocurrency","tag-investing","tag-isa","tag-robo-advisors","tag-stocks-and-shares-isa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Robo Advisors, ISA and Crypto - A Reader&#039;s Essay - Foxy Monkey<\/title>\n<meta name=\"description\" content=\"What is a Robo Advisor? 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