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Kristal's Investment Philosophy

  • Investment Philosophy
  • Personalization
  • GAIAA
  • Key Kristals
  • Transparency

Hardcoded for personalization

The investment game has two main players: Risk and Reward. At Kristal.AI however, we don’t believe in promising ‘high returns’ blindly. Instead of fleeting moments of financial brilliance, we aim to help you ride out the market ups and downs with consistent returns over time.

And we do this while creating hardworking, custom-curated investing strategies for our clients. Investors today do not live in a mould, and neither do their finances. We understand that.

The portfolios created at Kristal.AI follow age-old investing principles (Markowitz, Letterman, you name it), but at the core of each is a strategy as unique as the individual it was created for. Just like the ones below.

1. Growth portfolio for medium-risk investor
The Need:
Our client, Mr.X, enjoyed the idea of high-growth stocks but was wary of investing in them directly. He also wanted a hands-off portfolio which didn’t take too much of his time.
The Kristal Solution:

We created a customized portfolio with strong focus on bonds and bond ETFs. Long-term bonds are stable assets with a consistent growth, and are a good bet for investors who do not want to spend every minute worrying about their portfolio’s performance.

We also ensured his portfolio was diversified for greater exposure and stability, and tax-optimized for high returns.

 
2. Balancing security with market-timing
The Need:
What do you give a client who wants his portfolio to provide long-term security, and yet be flexible enough for option-related plays, with real-time advice on emerging market opportunities?
The Kristal Solution:

For our market-loving client Mr. Y, we looked at his account from a “Core & Satellite Approach” perspective, which segregated the portfolio into a core portion and a tactical allocation with a well-laid out plan for each.

The core was a medium-risk portfolio geared towards stability. Investments in this account included balanced Kristals like the All Weather Kristal.

The second account, however, was meant for ‘real-time’ option-related plays accounting for less than 20% of Mr.Y’s portfolio, with high-risk high-growth strategies managed by Kristal Advisors which promised upto 15% returns. By keeping both these accounts separate, we were able to keep his assets secure, while catering to his trader’s instinct.

 
3. The perfect retirement portfolio
  The Need:
Retirement, or sabbaticals; one always needs to think ahead for such times. When our client, Ms. Z, went on a sabbatical she needed a portfolio which would act as a source of income generation, and help her meet her financial needs with ease.
The Kristal Solution:

For Ms. Z, we created a portfolio with low-medium risk assets and the sole intent of creating a quarterly cash-flow source. By reducing the equity portion of the portfolio, and investing in low-risk assets, we were able to provide her with financial float for her sabbatical.

Her portfolio also included tactical strategies executed at favorable times to increase returns.

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Accredited Investor Declaration

This is offered only to Accredited and Institutional Investors as defined under the Securities and Futures Act, Chapter 289 of Singapore (“Act”), which broadly comprises of regulated financial Institutions, large corporates, high net worth individuals and sophisticated investors.

An Accredited Investor is an individual
  • Whose net personal assets exceed in value SGD 2 million (or it’s equivalent in a foreign currency) with value of his/her primary residence capped at SGD 1 million, or
  • Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it’s equivalent in a foreign currency), or
  • Whose income in the preceding 12 months is not less than SGD 300,000 (or it’s equivalent in a foreign currency)

I agree to opt-in as Accredited Investor and will submit required documentation to confirm the same.

< Back Proceed as Private Wealth

Wealth Management Solutions
Accredited Investor Declaration

This is offered only to Accredited and Institutional Investors as defined under the Securities and Futures Act, Chapter 289 of Singapore (“Act”), which broadly comprises of regulated financial Institutions, large corporates, high net worth individuals and sophisticated investors.

An Accredited Investor is an individual
  • Whose net personal assets exceed in value SGD 2 million (or it’s equivalent in a foreign currency) with value of his/her primary residence capped at SGD 1 million, or
  • Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it’s equivalent in a foreign currency), or
  • Whose income in the preceding 12 months is not less than SGD 300,000 (or it’s equivalent in a foreign currency)

I agree to opt-in as Accredited Investor and will submit required documentation to confirm the same.

Proceed as Private Wealth

THEMATIC STRATEGIES

Enabling clients to invest in trending themes like FAMANGThe FAMANG Kristal invests in Facebook, Apple, Amazon, Netflix and Alphabet’s Google stocks. Assets are carefully chosen by an algorithm in order to deliver a superior returns based on past performance. The strategy is rebalanced every quarter., TECHGlobal Technology ETFs is a genetic algorithmic strategy focussed specifically on the Technology sector., ESGProvides exposure to higher rated environmental, social, and governance (ESG) companies while accessing large- and mid-cap stocks in Europe, Australia, Asia and the Far East., etc. with a single click or just create your own thematic basket.

Future-proof your portfolio and capture emerging investment themes.

OVERVIEW

Explore and Identify

Select from a range of expertly designed trending and diverse themes

Efficient Execution

Enabling easy exposure to your preferred themes without the hassle and costs of individual security selection and execution

Only the Best

A ready-made collection of Kristals that derive the best of the specific asset class or theme

Unique Mix

An optimised blend of ETFs and individual counters, enhancing efficiency and profitability

Contact our Relationship Manager
ALTERNATIVE INVESTMENTS

Diversify your portfolio with exclusive Private Equity, Pre-IPO deals, VC Funds & other investments like Bitcoin, Gold, Hedge Funds and many more.

Kristal fractionalizes difficult-to-access deals and opportunities.

OVERVIEW

Instant Access

A wide range of alternative asset classes such as Gold, Bitcoins, Hedge Funds and many more; readily made available

Risk Management

Enables investments in diversified assets hence spreading the risk

Easy Tracking

Enables you to get a consolidated view of investments in all assets at one place, hence facilitating easy monitoring and tracking

Exclusive Deals

Access to exclusive Venture Capitalist, Startup as well as pre-IPO investment opportunities

Low Investment Tickets

Facilitates fractionalization of investments in deals

Contact our Relationship Manager
FUNDS PLATFORM

Professionally managed funds with active investment strategies, screened for you by our investment committee to diversify your portfolio.

Enabling clients to access exclusive investment strategies. View Funds

OVERVIEW

Access

Provides Access to Professional Fund Managers

Low Investment Tickets

Facilitates fractionalization of investments in funds

Diversity

A wide spectrum of investment strategies ranging from Arbitrage to Credit to Hedge Funds and many more

Fees

No additional costs are charged by Kristal.AI

Exceptional Performance

Funds with an impressive track record and potential for high profitability

Leverage

Benefits from insights of the expert selection and advisory team

Easy Management

No time consuming management of portfolios

Contact our Relationship Manager
TAILOR-MADE PRODUCTS

Customize products based on your market outlook and specific needs across equities, bonds, gold and more.

For investors looking to enhance portfolio yield based on market views.

OVERVIEW

Enhanced Earnings

Structures with potential to enhance portfolio yield based on market movements

Customization

Product features can be designed to articulate investor views

Fees

A flat and transparent fee structure like nowhere else

One-Click Access

A single feature ‘Ideas’ enables you to access recently launched and trending market opportunities

Contact our Relationship Manager
BUILD YOUR OWN KRISTAL

Can’t find what you are looking for? Create your own exclusive investment strategy with risk management & periodic reporting.

For seasoned investors who prefer to design their own portfolio.

OVERVIEW

Empowered Investing

Enables clients to create their own custom portfolio based on their unique needs

Unlimited Choice

Access to all possible exchange traded assets

Flexible Management

Flexibility in delegating the portfolio management role to us or actively taking up the day to day investment decisions, in your custom Kristal

Custom Fee Structure

A simple, transparent and a customized fee structure

Access to Expertise

Custom performance reporting as well as advisory support

Contact our Relationship Manager