All Weather US - Unleveraged

Why this Kristal?
The All Weather portfolio philosophy is to create a portfolio that is able to generate a return equivalent or in excess of broad GDP growth over an extended period of time. It brings together investment in 3 main Asset Classes: Fixed Income, Equity and Commodity. The weightings between these 3 asset classes determine the success of the strategy. A broad guidance that has been tested over time is an allocation of ca. 55% to Fixed Income split between medium and longer term bonds, 30% Equities and 15% commodities.

The portfolio will perform based on the assumed correlation between different asset classes. Strong economic growth will support equities and commodities but at the expense of fixed income. In a recession, rates trend lower and since lower rates mean higher prices for bonds, the gains of this section of the portfolio will mitigate losses from a slump in equities. In an inflationary scenario, which is hurtful for both equity and fixed income, the commodity allocation will act as a buffer to negative impacts from both markets.

We have further refined our strategy by including inflation linked bonds as part of the allocation in the fixed income space.

Recommended for: Ideal for investors looking to gain a diversified exposure to various asset classes with the objective of balanced growth.

Geographic Focus: US

Market Tier Exposure: Developed Markets

Asset Class: Fixed Income, Equity, Commodity

When to buy?
The Kristal provides consistent performance through most market conditions. It is therefore ideal in times of economic uncertainties. 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 regularly rebalanced to maintain targeted asset allocations:

  • 55% Fixed income (10% Inflation linked treasuries, 30% Long Duration Bonds, 15% 3-7yr duration bonds)
  • 30% Equity (Broad US Market ETF, e.g. S&P 500, Total Stock market ETF, etc)
  • 15% Commodities (Gold, and/or broad commodity tracking ETF)

Fluctuations of up to 10% between each of the asset classes are allowed.

Reference:
The Kristal follows the investment philosophy of Ray Dalio, the founder of Bridgewater Associates managing about $160 billion for approximately 350 of the largest and most sophisticated global institutional clients including public and corporate pension funds, university endowments, charitable foundations, supranational agencies, sovereign wealth funds, and central banks.
4 Factors Ray Dalio uses to construct his All-Weather portfolio

medium risk
12.21%
9.63%
$

Kristal Growth

Overview:
The Kristal Growth portfolio is a growth-oriented multi-asset ETF strategy completely driven by the KAIRO algorithm. The objective is to have a capital appreciation approach along with low volatility. A portfolio consists of growth-oriented equity ETFs, fixed income ETFs and commodity ETFs with automatically managing allocation between these asset classes based on constant market datapoint analysis and investment world macro analysis. It’s a managed risk strategy that defines the client’s risk profile and tries to keep the portfolio risk level at par or below the defined risk levels to maximize the risk-adjusted returns. It’s a core portfolio for long-term wealth creation without worrying about the market up and down moves.

What is KAIRO?
KAIRO is a Kristal.AI Robo Advisory algorithm capable of managing investment portfolios in any given market conditions with active rebalances by increase/decrease of different asset classes within the portfolio constantly matching the investor’s risk profile. The actual strength of KAIRO will be demonstrated in high volatile market conditions with active, drawdown-based rebalances to safeguard the investor’s money and KAIRO has a proven track record of generating superior alpha during uncertain periods. To do so, it relies on a mix of proprietary-based mathematical and quantifiable parameters of the market data points which removes the human biases, and output is purely based on data analysis.

Why should you invest in Kristal Growth powered by KAIRO?

  • 1. When you are unable to track the markets on a regular basis and fail to take an active decision for your investments
  • 2. A pure rule-based, data-driven results with proven track records
  • 3. Superior drawdown management with actively matching portfolio risk to client risk profile

Recommended for: Ideal for medium-risk investors focused on both safety and capital appreciation over a longer period. Minimum recommended investment horizon - 3+ years.

Geographic Focus: Global

Market Tier Exposure: Domestic and International equities

Asset Class: Equity ETFs, Fixed income ETFs, Commodity ETFs

Sector: Diversified

When to buy?
This Kristal performs best in a stable and growing economic environment.

How does portfolio rebalance work?
The regular Kristal rebalancing is done based on KAIRO output which is an evolutionary proprietary algorithm that has been well tested over the past 5 years with superior alpha over benchmark returns.

medium risk
10.75%
$

Kristal Secure

Overview:
The Kristal Secure portfolio is a capital secure approach multi-asset ETF strategy completely driven by KAIRO algorithm. The objective is to have a capital protection approach as a priority with mild participation into equities for better alpha generation. A portfolio consists of stable equity ETFs, different duration fixed-income ETFs and commodity ETFs with automatically managing allocation between these asset classes based on constant market datapoint analysis and investment world macro analysis. It’s a managed low-risk strategy that defines the client’s risk profile and tries to keep the portfolio risk level at par or below the defined risk levels to maximize the risk-adjusted returns. It’s a core portfolio for long-term capital security without worrying about the market up and down moves.

What is KAIRO?
KAIRO is a Kristal.AI Robo Advisory algorithm capable of managing investment portfolios in any given market conditions with active rebalances by increase/decrease of different asset classes within the portfolio constantly matching the investor’s risk profile. The actual strength of KAIRO will be demonstrated in high volatile market conditions with active, drawdown-based rebalances to safeguard the investor’s money and KAIRO has a proven track record of generating superior alpha during uncertain periods. To do so, it relies on a mix of proprietary-based mathematical and quantifiable parameters of the market data points which removes the human biases, and output is purely based on data analysis.

Why should you invest in Kristal Growth powered by KAIRO?

  • 1. When your objective is to protect the capital or capital preservation without worrying about markets up or down moves
  • 2. A pure rule-based, data-driven results with minimal volatility in returns
  • 3. Superior drawdown management with slightly higher alpha with low-risk assets

Recommended for: Ideal for low-risk investors focused on safety and expecting slightly higher alpha over traditional deposits. Minimum recommended investment horizon - 1+ years- 2+ years
Geographic Focus: Global

Market Tier Exposure: Domestic and International equities

Asset Class: Equity ETFs, Fixed income ETFs, Commodity ETFs

Sector: Diversified

When to buy?
This Kristal performs best in a volatile and low-growth economic environment.

How does portfolio rebalance work?
The regular Kristal rebalancing is done based on KAIRO output which is an evolutionary proprietary algorithm that has been well tested over the past 5 years with superior alpha over benchmark returns.

low risk
3.39%
$

Kristal Balanced

Overview:
The Kristal balanced portfolio is a risk-managed multi-asset ETF strategy completely driven by the KAIRO algorithm. The objective is to have a safe & steady capital appreciation approach along with low volatility. A portfolio consists of core & low-volatile equity ETFs, fixed income ETFs, and commodity ETFs and having higher allocation towards safer assets like gold and fixed income at any given point in time. It’s a low to moderate risk strategy that defines the client’s risk profile and tries to keep the portfolio risk level at par or below the defined risk levels to maximize the risk-adjusted returns with limited, defined equity exposure. It’s a balanced portfolio for low to moderate risk investors looking for a balance between capital protection and capital growth.

What is KAIRO?
KAIRO is a Kristal.AI Robo Advisory algorithm capable of managing investment portfolios in any given market conditions with active rebalances by increase/decrease of different asset classes within the portfolio constantly matching the investor’s risk profile. The actual strength of KAIRO will be demonstrated in high volatile market conditions with active, drawdown-based rebalances to safeguard the investor’s money and KAIRO has a proven track record of generating superior alpha during uncertain periods. To do so, it relies on a mix of proprietary-based mathematical and quantifiable parameters of the market data points which removes the human biases, and output is purely based on data analysis.

Why should you invest in Kristal Growth powered by KAIRO?

  • 1. When you are unable to track the markets on a regular basis and fail to take an active decision to manage your investments between growth and protection
  • 2. A pure rule-based, data-driven results with defined balance between capital growth and protection
  • 3. Superior drawdown management with high priority on capital protection

Recommended for: Ideal for low to medium-risk investors focused on both safety and capital appreciation over a longer period. Minimum recommended investment horizon - 2+ years

Geographic Focus: Global

Market Tier Exposure: Domestic and International equities

Asset Class: Equity ETFs, Fixed income ETFs, Commodity ETFs

Sector: Diversified

When to buy?
This Kristal performs best in a stable and low-growth economic environment.

How does portfolio rebalance work?
The regular Kristal rebalancing is done based on KAIRO output which is an evolutionary proprietary algorithm that has been well tested over the past 5 years with superior alpha over benchmark returns.

medium risk
$

Kristal High Growth

Overview:
The Kristal High Growth portfolio is an aggressively growth-oriented multi-asset ETF strategy completely driven by the KAIRO algorithm. The objective is to have an aggressive capital appreciation approach with being opportunists in managing volatility. A portfolio consists of growth-oriented equity ETFs, fixed income ETFs, and some portion of commodity ETFs to manage allocation between these asset classes based on constant market datapoint analysis and investment world macro analysis. It’s a managed risk strategy that defines the client’s risk appetite and tries to keep the portfolio risk level at par with client risk levels to maximize the risk-adjusted returns. It’s a core portfolio for long-term wealth creation without worrying about the market up and down moves with superior market volatility management.

What is KAIRO?
KAIRO is a Kristal.AI Robo Advisory algorithm capable of managing investment portfolios in any given market conditions with active rebalances by increase/decrease of different asset classes within the portfolio constantly matching the investor’s risk profile. The actual strength of KAIRO will be demonstrated in high volatile market conditions with active, drawdown-based rebalances to safeguard the investor’s money and KAIRO has a proven track record of generating superior alpha during uncertain periods. To do so, it relies on a mix of proprietary-based mathematical and quantifiable parameters of the market data points which removes the human biases, and output is purely based on data analysis.

Why should you invest in Kristal Growth powered by KAIRO?

  • 1. When you are unable to track the markets on a regular basis and fail to take an opportunistic approach towards your investments
  • 2. A pure rule-based, data-driven results with a proven track record of superior alpha in volatile markets
  • 3. Superior drawdown management with actively increasing portfolio risk with reduced volatility in the market

Recommended for: Ideal for high-risk investors focused on aggressive capital appreciation over a longer period. Minimum recommended investment horizon - 4+ years

Geographic Focus: Global

Market Tier Exposure: Domestic and International equities

Asset Class: Equity ETFs, Fixed income ETFs, Commodity ETFs

Sector: Diversified

When to buy?
This Kristal performs best in a stable and growing economic environment.

How does portfolio rebalance work?
The regular Kristal rebalancing is done based on KAIRO output which is an evolutionary proprietary algorithm that has been well tested over the past 5 years with superior alpha over benchmark returns.

high risk
$