Global Technology ETFs is a genetic algorithmic strategy focussed specifically on the Technology sector. The algorithm takes a tactical approach to portfolio construction based on the prevailing market conditions as it assesses a universe of global technology ETFs for various risk and return parameters. The objective of the strategy is to optimise the utility derived from higher returns subject to volatility constraints. The strategy is overseen by an experienced investment committee who reviews the performance of the Kristal on a regular basis and assesses the appropriateness of the risk constraint in any given market scenario.Global Technology ETFs invests to take tactical positions at a more targeted level than traditional style-based investing. It enables investors to acquire a low-cost exposure to technology sector via ETFs that have been characterised by solid risk-adjusted returns. To diversify, a proportion of the holdings provide exposure to international companies.

If you know your Bollywood, you’ll know what I’m talking about.
Now, imagine Mona is SPY (S&P 500 ETF) and Sona as we all know, is Gold.
Typically, SPY and Gold move opposite to each other, but the times, they’re changing. Now, we can have what the famous money-loving villain Ajeet would want, Mona ke saath Sona.

Investments in Fixed Income products or to store excess liquidity before deploying it towards other investments, Safe Haven is created with the preservation of assets in mind. The Kristal focusses on investment in the Fixed Income asset class. The weightings within this asset class determines the success of the strategy. A broad strategic guidance that is followed in this strategy is an allocation of ca. 50% to the US Treasury ETFs and 50% allocation to diversified investment grade bond ETFs focussed on US.

Steady Growth Kristal is an investment strategy built using ETFs with a targeted 60-40 allocation of Equity to Fixed Income. This strategy enables investors to gain diversified exposure to dividend paying growth equities, low volatility developed market equities and investment grade bonds. The Kristal focusses on a strategic asset allocation between two asset classes, fixed Income and equity. The weightings between the asset classes determine the success of the strategy. A broad strategic guidance that is followed in this strategy is an allocation of ca. 40% to the US investment grade fixed income ETFs, and 60% to global equity ETFs focussed on companies with price low volatility and strong, consistent dividend records.

All Rounder Kristal is an investment strategy built using ETFs with a targeted 40-60 allocation of Equity to Fixed Income. This strategy primarily focuses on asset preservation by investing in US large cap equities and short-term investment grade US corporate bonds. The Kristal focusses on a strategic asset allocation between two asset classes, fixed Income and equity. The weightings between the asset classes determine the success of the strategy. A broad strategic guidance that is followed in this strategy is an allocation of ca. 60% to the US investment grade fixed income ETFs, and 40% to US broad-market equity ETFs.

The Regular income (Quarterly) kristal invests in ETFs (exchange traded funds) that return high dividends. Assets are carefully chosen by an algorithm to maximize average dividend yield while making sure that the investor can earn around 3% (annualized yield) while preserving capital through a selection of lower volatility assets. Recommended For:
This strategy is optimised for investors with a conservative risk profile, with payment of regular dividends being the principal objectives of the strategy.

Aggressive Growth is an investment strategy built using ETFs with a targeted 70-30 allocation of Equity to Fixed Income. This strategy enables investors to gain diversified exposure to dividend paying growth equities, large cap emerging market equities and international corporate bonds. The Kristal focusses on a strategic asset allocation between two asset classes, fixed Income and equity. The weightings between the asset classes determine the success of the strategy. A broad strategic guidance that is followed in this strategy is an allocation of ca. 70% to the global equity market ETFs, and 30% to global investment grade bond ETFs.

Overview:
The Kristal is suitable for investors with a high risk tolerance. It identifies suitable assets in the financial sector, and invests to maximize returns while protecting downside.

Recommended for:
This strategy is recommended for Growth focused on a specific Industry, in this case Financials.

This Kristal is good for those who are looking to gain a low-cost exposure to financial sector ETFs. The strategy is rules based, and for diversification purposes the Algorithm may select international ETFs.
How did we identify this Kristal:
Assets are carefully chosen by an algorithm in order to deliver to investors a wide range of exposures within the sector. The strategy is rebalanced every year, with the rebalancing mechanism being determined by an algorithm that takes into account the overall performance of the strategy so far. Dynamic rebalancing also means that the strategy will automatically adjust its risk profile based on the performance till date.

This Kristal follows the investment philosophy of the famous investor Ray Dalio. It brings together investment in 3 main Asset Classes: Fixed Income, Equity and Commodity.

Katalyst is a balanced strategy created using a genetic algorithm, which takes a tactical approach to portfolio construction based on prevailing market conditions. The algorithm assesses a universe of diverse ETFs for various risk and return parameters. The objective of the strategy is to optimize the utility derived from higher returns subject to volatility constraints.

The strategy is overseen by our experienced Investment Committee which reviews the performance of the Kristal on a regular basis, and reevaluates the risk constraint in any given market scenario. Katalyst invests to take tactical positions at a more targeted level than traditional style-based investing. It provides investors with low-cost exposure to popular, growing sectors like technology, healthcare, industrials, and consumer discretionary, that have been characterized by substantial risk-adjusted returns. To reap the benefits of diversification, Katalyst also takes some exposure in emerging markets, while any remaining cash is kept invested in short term U.S. treasuries.

Asia REITs SGD is a genetic algorithmic strategy ideal for gaining access to the Asian real estate sector for securities listed in Singapore. The Kristal offers opportunity to tap the alternative asset class of real estate in a low-cost manner. The algorithm takes a tactical approach to portfolio construction based on the prevailing market conditions as it assesses a universe of Singapore listed real estate investment trusts (REITs) for various risk and return parameters. The strategy is overseen by an experienced investment committee who reviews the performance of the Kristal on a regular basis and assesses the appropriateness of the risk constraint in any given market scenario. Asia REITs SGD invests to take tactical positions at a more targeted level than traditional style-based investing. It enables investors to acquire a low-cost exposure to Singapore listed Asian REITS with strong fundamentals and consistent dividend yield. The constituents of this Kristal are shortlisted based on their market capitalization as well as other fundamental factors.

Overview:
4SIGHT invests in instruments that are aligned with themes in disruptive industries which are likely to play a more important role for society and the global economy in the next decade ahead.

How did we identify this Kristal:
From a bottom-up approach, we have identified certain sectors which have the potential for commercial disruption in the future. This is related to technological development but also demographic and social trends which are likely to dominate the life of many in the future.

The core themes that have been identified are:

Biotechnology and Genome research: Medical advances with the help of AI and reduced cost for genetic editing have the potential to disrupt the healthcare industry in years to come.

Water & Food: We may run out of clean water, and while we might not run out of food in the foreseeable future, there is certainly a need to become more efficient and sustainable in the way how we feed a growing world population.

Cybersecurity: The cost of cybersecurity at an average level has increased by over 72% in the past 5 years and 13% alone from 2017 to 2018. An Accenture Study about the cost of cybercrime states that the Value at Risk from Cybercrime in the global economy is rising, and so is the cost of prevention.

Machine Learning & AI: Dubbed by many as the future of everything, living in a digital society with vast amounts of data means more growth in the space of Machine Learning & AI.

Recommended for:
Growth

The AutoPilot Growth is a 100% genetic algorithm based Kristal which allows investors with a high risk appetite to use Algo based investments that are rebalanced regularly through a rules driven approach, without having to lift a finger.

The AutoPilot Secure is a 100% genetic algorithm based Kristal which allows investors with a low risk profile to use Algo based investments that are rebalanced regularly through a rules driven approach, without having to lift a finger.

Overview:
Bond ETFs - Short Term is a basket of carefully curated ETFs, is one of the most popular options for investors seeking to establish exposure to short term US Treasuries and investment grade Corporate Debt with maturity less than 2 years.

Recommended for:
Asset Preservation and Income

The investment strategy is allocated among Federal Debt, and Investment Grade Corporate Debt, with roughly 76% of the debt belonging to the AAA/AA/A category. Around 50% of the strategy is allocated towards floating rate debt, whose interest payments adjust to reflect changes in interest rates.
How did we identify this Kristal:
ETFs are carefully chosen by an algorithm in order to deliver to investors high returns. The strategy is actively managed and dynamically rebalanced, with the rebalancing mechanism that takes into account the overall performance of the strategy so far. The allocation to each asset class, rather than being determined by a fixed formula (such as the legendary 60/40), is determined by the algorithm based on the historical returns and risks associated with each underlying asset class. Dynamic rebalancing also means that the strategy will automatically adjust its risk profile based on the performance till date.

Overview:
Bond ETFs - Long Term is a basket of carefully curated ETFs, which is one of the most popular options for investors seeking to establish exposure to long term US Treasuries, an asset class that is light on credit risk but may offer attractive yields thanks to an extended duration and therefore material interest rate risk.

Recommended for:
Asset Preservation and Income

The investment strategy allocates equal compositions to Federal Debt and Investment Grade Corporate Debt, with roughly 70% of the debt belonging to the AAA/AA/A category. .
How did we identify this Kristal:
ETFs are carefully chosen by an algorithm in order to deliver to investors high returns. The strategy is actively managed and dynamically rebalanced, with the rebalancing mechanism that takes into account the overall performance of the strategy so far. The allocation to each asset class, rather than being determined by a fixed formula (such as the legendary 60/40), is determined by the algorithm based on the historical returns and risks associated with each underlying asset class. Dynamic rebalancing also means that the strategy will automatically adjust its risk profile based on the performance till date.

Overview:
Bond ETFs - Intermediate Term is a basket of carefully curated ETFs, which is one of the most popular options for investors seeking to establish exposure to intermediate term Treasuries and Investment Grade Corporate Debt.

Recommended for:
Asset Preservation and Income

The investment strategy allocates equal compositions to Federal and Investment Grade Corporate Debt, with roughly 50% of the debt belonging to the AAA/AA/A category.
How did we identify this Kristal:
ETFs are carefully chosen based on their characteristics and criteria like total expense ratio, maximum draw down and expected yield.

Bond ETFs Dynamic is an algorithmic Kristal which is scheduled to update at least once a year to provide the optimum allocation within a concentrated fixed income ETF basket. Investable assets are fixed income ETF and UCITS. The Kristal allows investors to maintain a defensive but dynamic allocation to fixed income assets in a portfolio.