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Digital Wealth Management Platform Powered by AI

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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.

  1. Open a Kristal.AI account
  2. Complete KYC (know your customer)
    Fill in the preference of investment objectives, risks, asset distribution, etc
  3. AI- powered personalized portfolio generation & recommendation
    Of course you can adjust it or select the investment portfolios by your preference
  4. 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.

 

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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

STOCKS

Seamless investing enabled by easy and instant access to a wide range of cross border stocks of acclaimed and high potential companies, handpicked by our expert investment committee.

For investors who desire enhanced returns while co-owning shares of global companies.

*The range of stocks will be made accessible, post login

OVERVIEW

Only the best

A range top performing and high potential stocks carefully selected by our seasoned investment committee

Instant Access

Wide range of global stocks made easily accessible with a single click

Diversity

Companies from varied sectors and fields made available for investment enabling clients to diversify investments and effectively mitigate risks

Innovative

High potential companies leading with disruptive technologies made available to clients enabling them to future proof their investments

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.

*The range of Thematic Strategies will be made accessible, post login

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.

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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.

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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.

*The range of Tailor Made Products will be made accessible, post login

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