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• Execution-only stockbrokers – these offer telephone or internet-based trade execution and settlement for retail clients. No advice is offered and commission is charged per trade. They are aimed at day traders and investors who are confident in making their own investment decisions and, typically, investors with small portfolios. • Robo-advisers – a recent innovation, a robo-adviser is an online wealth management service that provides automated, algorithm-based portfolio management advice witho

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