Expert-level investment consultants are good partners to help us make dedicated decisions and increase wealth. However, it is not easy to find reliable investment. In addition, traditional investment agent and platform require high asset thresholds and fees, which may not be suitable for small retail investors.
In recent years, there have been a few fintech startups which are trying to find a middle-ground in Hong Kong: Robo-Advisors. Robo-advisors are computer programs that will collect some information about you e.g. your current financial situation, goals and risk appetite and use that to create a diverse portfolio of ETF, bonds, stocks and funds personalised for you. Once you put your money in, they will automatically invest it on your behalf and since there’s no human intervention, they can cut costs and make management fees much lower for the consumers!
Kristal.AI, one of the major Robo-advisors in Hong Kong, which is launched in 2016 and is now operating in Hong Kong, Singapore and India, and has more than 4000 clients across Asia, Middle East, and the Americas. For the past three years, Kristal.AI has developed the platform to make investing personalised, convenient and affordable for everyone. Minimum investment is only HKD500 and no extra fees (brokerage fee, transaction fee, performance fee, etc) for investment up to HKD400,000 or equivalent. After spending 5 minutes to finish the account opening, investors can automatically invest in the best and most credible ETFs across commodities, themes and geographies of all over the world. Other products such as REITs, bonds, stocks, fund are also provided on Kristal.AI.
Customized Portfolios based on Investment Objective
Using the best of Quant Technology, Artificial Intelligence, and accumulative financial experience of 120+ years, our Investment Mantra helps you build a powerful portfolio designed for your financial goals. Our proprietary Advanced Algorithm takes into consideration your financial objectives, risk appetite, previous investment experience to recommend strategies that fit you like a glove.
Portfolio Performance of Kristal.AI
Kristal.AI’s assets are highly transparent, and users can have a clear understanding of the performance of their investment portfolios on website or app. Here are two of Kristal.AI’s portfolios which we would like to introduce, including the conservative portfolio “All Weather US” and the aggressive portfolio “Katalyst”.
Portfolio 1: All Weather US
The asset portfolio All Weather US was launched in June 2018. As of September 2019, the annual return rate reaches 9.53% and the asset volatility is 9.66%. Although it is a relatively conservative investment portfolio, it has an impressive increase of 19.75% in the first nine months of 2019.
Under the back test, based on the performance of “All Weather US investment fund model” from January 2013 to June 2018, the annual return rate is 9.7%! Each investment of 100HKD can get 156.44HKD as return, it gets a better performance when compared to “The SPDR® SSGA Multi-Asset Real Return ETF” as benchmark.
(The SPDR®SSGA Multi-Asset Real Return ET is used as a benchmark for All Weather US because both have a wide range of investments options, ranging from low-risk government bonds to high-risk securities, with high liquidity which can quickly adjust asset portfolios to capture market opportunities.)
Portfolio 2: Katalyst
Another asset portfolio, Katalyst, has been launched since August 2018, with an annual return of 6.21% and a volatility of 14.61% as of September 2019.
Under the back test, based on the performance of “Katalyst investment fund model” from May 2013 to August 2018, the annual return rate is as high as 21.46%! Each investment of 100HKD can get 264.38HKD as return, which also get a much better performance when compared to “The SPDR® SSGA Multi-Asset Real Return ETF” as benchmark.
(The SPDR®SSGA Multi-Asset Real Return ETF is used as a benchmark for Katalyst because both have invested in similar developed or developing companies, industries and geographical distribution.)
Start investment with Kristal.AI by 4 simple steps
The account opening steps are very convenient and it only takes around 5 minutes for registration.
- Open a Kristal.AI account
- Complete KYC (know your customer)
Fill in the preference of investment objectives, risks, asset distribution, etc
- AI- powered personalized portfolio generation & recommendation
Of course you can adjust it or select the investment portfolios by your preference
- Start investment by funding up your account
Product Tour Video
Once you open the investment account successfully and complete the simple setup, you can start investing right away. Users can login to Kristal.AI’s website and mobile app to keep tracking on their investment performance immediately. Kristal.AI will rebalance assets every six months to ensure that the level of investment risk is in line with user expectations. Users will receive push notifications each time regarding on rebalance assets.