• An plane drops fire retardant over homes in the Spanish Flat area of Napa, California as flames rage through. AFP
    An plane drops fire retardant over homes in the Spanish Flat area of Napa, California as flames rage through. AFP
  • Miniature artist Nguyen Thi Ha An poses with her creation 'Banh Mi' at her studio in Hanoi. The 28-year-old architecture graduate began crafting food miniatures made from clay a year ago, spotting a chance to capitalise on the world's growing love for Vietnamese cuisine. AFP
    Miniature artist Nguyen Thi Ha An poses with her creation 'Banh Mi' at her studio in Hanoi. The 28-year-old architecture graduate began crafting food miniatures made from clay a year ago, spotting a chance to capitalise on the world's growing love for Vietnamese cuisine. AFP
  • People cross the Viaduc des Fades as they ride the 'vélorail' on an old railway line in Les Ancizes-Comps central France. AFP
    People cross the Viaduc des Fades as they ride the 'vélorail' on an old railway line in Les Ancizes-Comps central France. AFP
  • Paris Saint-Germain's Brazilian forward Neymar runs with the ball during the Uefa Champions League semi-final football match between Leipzig and Paris Saint-Germain at the Luz stadium in Lisbon. AFP
    Paris Saint-Germain's Brazilian forward Neymar runs with the ball during the Uefa Champions League semi-final football match between Leipzig and Paris Saint-Germain at the Luz stadium in Lisbon. AFP
  • A Kenyan small-scale fruit vendor, sells pineapples from the trunk of his car as he waits for customers along a motorway amid the nightly curfew in the rural town of Denderu in Kiambu, Kenya. EPA
    A Kenyan small-scale fruit vendor, sells pineapples from the trunk of his car as he waits for customers along a motorway amid the nightly curfew in the rural town of Denderu in Kiambu, Kenya. EPA
  • Los Angeles Lakers forward Anthony Davis, left, and Portland Trail Blazers centre Hassan Whiteside battle for possession during the second half of an NBA basketball game, in Lake Buena Vista, Fla. Portland won 100-93. AP Photo
    Los Angeles Lakers forward Anthony Davis, left, and Portland Trail Blazers centre Hassan Whiteside battle for possession during the second half of an NBA basketball game, in Lake Buena Vista, Fla. Portland won 100-93. AP Photo
  • Yamil Maldonado, a breakdancer, practices at a kiosk in Alameda park after being closed off to the public for nearly five months due to the coronavirus pandemic, in Mexico City. AP Photo
    Yamil Maldonado, a breakdancer, practices at a kiosk in Alameda park after being closed off to the public for nearly five months due to the coronavirus pandemic, in Mexico City. AP Photo
  • Sikh head priest Jagtar Singh, centre, places the Guru Granth Sahib, the religious text of Sikhism, in a Palki Sahib during a procession from Gurudwara Ramsar to Akal Takht Sahib to mark the 416th anniversary of the installation of the holy book, at the Golden Temple in Amritsar. AFP
    Sikh head priest Jagtar Singh, centre, places the Guru Granth Sahib, the religious text of Sikhism, in a Palki Sahib during a procession from Gurudwara Ramsar to Akal Takht Sahib to mark the 416th anniversary of the installation of the holy book, at the Golden Temple in Amritsar. AFP
  • Nozomi Uetake of Japan tees off the fourth hole during the final round of the rashink x RE SYU RYU/RKB Ladies at the Fukuoka Country Club Wajiro Course in Fukuoka, Japan. Getty Images
    Nozomi Uetake of Japan tees off the fourth hole during the final round of the rashink x RE SYU RYU/RKB Ladies at the Fukuoka Country Club Wajiro Course in Fukuoka, Japan. Getty Images
  • A man uses his phone outside Beijing Railway Station in the Chinese capital. AFP
    A man uses his phone outside Beijing Railway Station in the Chinese capital. AFP

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World in focus - best photos for August 19, 2020

Take a look at some of the best images from around the world during the past 24 hours

The National

August 19, 2020

  • English
  • Arabic

More galleries from The National:

How social distancing for locusts could save crops

PSG stars celebrate landmark Champions League final as thousands of fans go wild in Paris

The 62 destinations Etihad is flying to this summer from Abu Dhabi

What is a robo-adviser?

Robo-advisers use an online sign-up process to gauge an investor’s risk tolerance by feeding information such as their age, income, saving goals and investment history into an algorithm, which then assigns them an investment portfolio, ranging from more conservative to higher risk ones.

These portfolios are made up of exchange traded funds (ETFs) with exposure to indices such as US and global equities, fixed-income products like bonds, though exposure to real estate, commodity ETFs or gold is also possible.

Investing in ETFs allows robo-advisers to offer fees far lower than traditional investments, such as actively managed mutual funds bought through a bank or broker. Investors can buy ETFs directly via a brokerage, but with robo-advisers they benefit from investment portfolios matched to their risk tolerance as well as being user friendly.

Many robo-advisers charge what are called wrap fees, meaning there are no additional fees such as subscription or withdrawal fees, success fees or fees for rebalancing.

More from Neighbourhood Watch:
Company Profile

Name: Thndr
Started: 2019
Co-founders: Ahmad Hammouda and Seif Amr
Sector: FinTech
Headquarters: Egypt
UAE base: Hub71, Abu Dhabi
Current number of staff: More than 150
Funds raised: $22 million

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