NAV and Factsheet: Katalyst Kristal

PortfolioIntroductionKatalyst Kristal

Wealth Manager for the Digital Era

Company Registration Number: 201711235E

What is Katalyst?

Beat the market by taking atactical approach to portfolio

construction

Maximize risk-adjustedreturns and optimize utilityderived from higher returns

Deliver growth whilereaping the benefits of

diversification

www.kristal.ai

How does Katalyst work?

www.kristal.ai

014.3%

014.3%

014.3%

014.3%

014.3%

014.3%

014.3%

Market Data

Investor Risk Profile& Objectives

InvestmentCommittee

Genetic AlgorithmMonte Carlo SimulationHierarichal Clustering

Text AnalysisNLP (Roadmap)

Optimisation

Unbiased AssetAllocationRecommendation

Kristal Genetic Algorithm

www.kristal.ai

Katalyst Kristal

Designed with the coreand satellite approach

Medium-risk aimed atcapital appreciation

Actively rebalanced withalgo recommendation +

advisory oversight

www.kristal.ai

Markets are making a new lows, Dow's worst day in 12 years

The U.S. Federal Reserve slashed rates by 0.5% to tackle the

growing economic threat of the virus

Crude oil prices at one point fell more than 30%

As investors flocked to safer assets, the yield of the 10-year U.S.

Treasury note dropped below 1.00% for the first time

2020 started off with increasing volatility

Looking to invest but feeling uncertain? www.kristal.ai

Global stocks have whipsawed butcontinue to be vulnerable. Sell-off acrossasset classes causes stress in portfolios.

Highly volatile markets - Sharp sell-offin March followed by a rapid reboundled by large-cap technology stocks.

2020: The Cornoavirus Aftermath

Dow's 28% Decline Cumulative Returns (as of 31st Aug 2020)

www.kristal.ai

In line with market changes

Optimized for volatility

Rebalance only the best values

Tactical Rebalancing Framework

Natural selection-inspiredgenetic algo recommendation

Investment CommitteeAnalysis

Implement tactical change:

www.kristal.ai

Equity63.1%

Fixed Income35.9%

Cash1%

Equity60%

Fixed Income38.9%

Cash1.1%

Fixed Income59%

Equity39.8%

Cash1.3%

Equity51.1%

Fixed Income38.4%

Commodity10%

+ iShares 10-20 Year Treasury Bond ETF (TLH)+ Vanguard Long-Term Bond ETF (BLV)

- iShares Short-Term Corporate Bond ETF (IGSB) - iShares 20+ Year Treasury Bond ETF (TLT)

+ North America Tech Software ETF (IGV)+ iShares MSCI Russia ETF (ERUS)

- iShares 10-20 Year Treasury Bond ETF (TLH)- Deutsche X-trackers Harvest CSI 300 China A-Shares ETF (ASHR)

+ iShares Short-Term Corporate Bond ETF (IGSB)+ Invesco NASDAQ Internet ETF (PNQI)

- iShares Russell 2000 ETF (IWM)

+ SPDR Utilities Select Sector ETF (XLU)+ iShares Gold Trust ETF (IAU)

- iShares Short-Term Corporate Bond ETF (IGSB) - Invesco NASDAQ Internet ETF (PNQI)- iShares Barclays TIPS Bond Fund (TIP)

Equity51.4%

Fixed Income37.2%

Commodity10.4%

+ State Street Financial ETF (XLF)+ Emerging Markets Internet & Ecommerce ETF (EMQQ)

- SPDR Utilities Select Sector ETF (XLU)

Asset Allocation January 2020 March 2020 April 2020 June 2020

The chart is as of 12th September 2020

Equity

Fixed Income

Commodity

Cashwww.kristal.ai

0% 2.5% 5% 7.5% 10%

Katalyst

Benchmark

0% 5% 10% 15% 20% 25%

Katalyst

Benchmark

www.kristal.ai

Katalyst

9.99%

21.80%

Annualised Performance (as of 31st Aug 2020)

Total Performance (as of 31st Aug 2020)

(Benchmark: 50% ACWI + 50% LQD)

Sharpe Ratio

Maximum Drawdown

0.74

-13.19%

Volatility 13.55%

Scheme Information8.49%

18.49%

2

4Transparency and Trust

Licensed by MAS (Singapore), SFC (Hong Kong),

and SEBI (India), we are transparent in costs and

your holdings.

Whether you are a new, experienced or a busy

investor, our advisors will work with you to

optimise your portfolio as needed.

Better Personalization

Why Kristal.AI?

Better Access to Markets

Cherry-picked offerings across asset classes,

curated ETFs across 200+ indices and

geographies, and access to hedge funds not

available at most private banks.

2

4

More Value for Less

Explore a variety of investment opportunities

without extravagant management fees. A treasury

bond is always more expensive on any other

platform than it is on Kristal.AI.

1

3

www.kristal.ai

Disclaimer:

The information contained herein is only for informational purposes and are subject to risks. The information should not be construed as any form of advice or recommendation relating to investments, tax, legal, financials, businessor any matter and should obtain their own independent advice. The information is provided on ‘as is’ basis and Kristal.AI or its affiliates, does not make any representation, undertaking, warranty, guarantee, or other assurance as tothe timelines, completeness, correctness, reliability, or accuracy of the materials and data herein.

The information contained should not be construed as an offer to sell, purchase securities and/or to provide services by Kristal.AI or its affiliates. Any such transaction shall be subject to a contractual understanding, necessarydocumentation, applicable laws, approvals and regulations. Kristal.AI and its affiliates accept no liability or responsibility whatsoever for any direct or consequential loss and/or damages arising out of or in relation to any use ofopinions, forecasts, materials and data contained herein or otherwise arising in connection therewith.

The Sophistication Level represents the complexity of the related security or investment strategy as per the regulatory definition. Risk Level represents broader descriptive classification of the incremental complexity for easierunderstanding by all potential investors.

Commercial Terms & Asset Specific Risk

RISK LEVEL

Low

For Retail Investors:

Treasury bonds / Money market bonds / High grade Government Bond ETF

Corporate bonds (Investment grade) ETFs

MediumHigh yield bonds ETFs / Gold ETF / REITS ETF / Developed Market Equity broad Index ETF

Developed Mkt MId & Small Cap Equities ETF / Subordinated Bond ETFs / Silver & Broad Commodity ETF / Single Name IG Corporate Bonds

Direct Equities Large cap (More than USD 5B market cap) / Emerging market ETFs (Bond & Equity) / Single commodity ETF

High

Inverse & Leveraged ETFs / Small-Mid Cap equities (Less than USD 5B market cap) / Single name Sub-IG bonds / Unleveraged ELON with underlying of SL 3 and below

(long only via options) (Bull Call Spreads / Bear Put Spreads / Long Butterfly Call or Put Strategies)/ Covered Call Strategies / Long-Short Hedgefund arbitrage strategies(e.g. Ariana, Aurigin)/ AT1 Bonds/ CoCo Bonds

Very HighLong Short Equities BG Long Short / Private Equity and VC like Investments

Strategies that include Index Options (includes selling) Index Technical Trader

Strategies that include Single Stock Options (includes selling) / Leveraged Pooled Strategies (Carry++ / ELONs on Underlying SL 3 and above and with embedded leverage

INSTRUMENT TYPE/CLASS

For Accredited Investors:

Get in touch with your Kristaladvisors for more insights.

support@kristal.ai

Disclaimer: The recommendations contained herein are for the exclusive use of the investors and prohibits any form of disclosure or reproduction. The content cannot berelied upon by any other person for any other purpose. The recommendations are information provided to the investors and are subject to risks. Any recommendationsincluding financial advice provided by Kristal.AI or its affiliates shall be subject to contractual understanding, necessary documentation, applicable laws, approvals andregulations. Though the recommendations are based on information obtained from reliable source and are provided in good faith, they may be valid only on the date andtime the recommendations are provided and shall be subject to change without notice. Kristal.AI or its affiliates, does not make any representation, undertaking, warranty,guarantee, or other assurance as to the timelines, completeness, correctness, reliability, or accuracy of the recommendations herein. The investments made by the investorsmay suffer losses and the investor shall bear all the losses in connection with an investment. Kristal.AI and its affiliates accept no liability or responsibility whatsoever for anydirect or consequential loss and/or damages arising out of or in relation to any use of opinions, forecasts, materials and data contained herein or otherwise arising inconnection therewith.