SG REITs Kristal is an open-ended pooled account strategy ideal for investors looking for high liquidity and diversification to their overall portfolio by investing in REITs that provide stable returns in the form of high dividend income and long term capital appreciation

Why this Kristal?
The Kristal Core Strategy Fund (SGD) has the objective to achieve optimum absolute returns on a risk adjusted basis. A dynamic allocation across all major asset classes is determined by the proprietary advisory algorithm with oversight by the investment committee. In this strategy, the USD risk is hedged back to SGD. The strategy aims to achieve a consistent return through most phases of the economic cycle, hence the reference to "all weather".

Kristal Core Strategy Fund (SGD) follows the tried and tested philosophy of an All-Weather Portfolio. The asset allocation across Equity, Fixed Income, Commodities, Volatility and FX is dynamic and adjusted depending on the stage of the growth cycle we are in. Our experienced Investment Committee provides consistent oversight on the strategy and ensures dynamic shifts in allocation to ensure the return objectives are achieved.

Recommended for: The investment is suitable for investors with medium to high risk appetite (Kristal risk level: Medium).

Geographic Focus: Global

Market Tier Exposure: Developed Markets, Emerging Markets

Asset Class: Multi-asset

When to buy?
The Kristal provides consistent performance through most market conditions, being able to build the core of any investment portfolio. Due to the growth component of equities, the Kristal is also placed well for regular periodic investments.

How is this Kristal Managed?
The Kristal is quarterly rebalanced.
The permitted allocation for each asset class are as follows:

• Equity: 0-50%
• Fixed Income: 0-75%
• Commodities (Gold, and/or broad commodity tracking ETF): 0-25%
• Volatility ETNs: 0-10%
• Other ETFs: 0-10%

HK Equity Tech Stars is a fund strategy based on the mega trend towards digitalization. By 2021 it is expected that digital products and services in Asia amount up to 60% of GDP. To capitalize on this trend, the strategy invests predominantly in Hong Kong listed shares of companies in the digital technology space or other disruptive sectors. The initial selection of stocks is focused on 6 companies with a competitive advantage in their respective field, proven track record and strong growth momentum. Our Investment Committee is reviewing the list of constituents on a regular basis. New shares, either through IPO or secondary offerings may be added over time. Rebalancing of the stocks in the portfolio takes place once weighted allocation moves outside of a tolerance level determined by the IC. Baidu (9888 HK) was added to the portfolio in Apr 2021 after its HK listing was complete.