Hi Anon, The benefits of investing in the All-Weather strategy are many. Not only does it provide you returns in favourable and unfavourable market conditions due to the balanced and asset allocation, but also provides exposure to diversified asset classes. The portfolio coined by the legendary investor, Ray Dalio, is a blueprint that many have used since to allocate assets in a manner crafted to help you make money in any kind of economic environment. In the last 10 years, Dalio’s portfolio showed a 7.65% compound annual return (last update: October 2019). From the period of 1984 to 2013, Dalio’s strategies earned him a positive return 26 out of 30 years, with an average annual return of 9.7%. The portfolio has an asset allocation of: - 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) I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.

Hi Anon, The All Weather strategy is meant to help investors create a portfolio that can see them through all market ups and downs. Bridgewater Associates hedge fund manager Ray Dalio, one of history’s legendary investors, came up with this philosophy called, 'All Weather Portfolio' in the 1970s after the growing political tension in the US from Richard Nixon’s presidency. The portfolio is a blueprint that many have used since to allocate assets in a manner crafted to help you make money in any kind of economic environment. In the last 10 years, Dalio’s portfolio showed a 7.65% compound annual return (last update: October 2019). From the period of 1984 to 2013, Dalio’s strategies earned him a positive return 26 out of 30 years, with an average annual return of 9.7%. The portfolio has an asset allocation of: - 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) I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.

Hi Anon, There are plenty of safe ways to invest your money. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice. You can read here for a better understanding. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.

Hi Anon, The first step of your investment journey would be to read up and understand what investing is. Although there are so many financial advisors out there who can help you with this, I'd suggest that you go for a robo-advisory platform to do the job of assessing your current financial position and recommend a portfolio strategy after reviewing your risk profile. As for the "catch", I would say that Robo-advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

Hi Anon, The first step of your investment journey would be to read up and understand what investing is and I glad you're already upto it. Although there are so many financial advisors out ther who can help you with this, I'd suggest that you go for a robo-advisory platform to do the job of assessing your current financial position and recommend a portfolio strategy after reviewing your risk profile. As for the "catch", I would say that Robo-advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

Hi Anon, The first step of your investment journey would be to read up and understand what investing is. Although there are so many financial advisors out there who can help you with this, I'd suggest that you go for a robo-advisory platform to do the job of assessing your current financial position and recommend a portfolio strategy after reviewing your risk profile. As for the "catch", I would say that Robo-advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

Hi Anon, There are plenty of safe ways to invest your money. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice. You can read here for a better understanding. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.

Hi Anon, There are plenty of safe ways to invest your money. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice. You can read here for a better understanding. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.

Hi Anon, The first step of your investment journey would be to read up and understand what investing is. Although there are so many financial advisors out ther who can help you with this, I'd suggest that you go for a robo-advisory platform to do the job of assessing your current financial position and recommend a portfolio strategy after reviewing your risk profile. As for the "catch", I would say that Robo-advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

Hi Anon, It is okay that your father paid off the fees, may be once you have job, you start paying him back. After that maybe you can start investing your money in stocks or bonds. There are plenty of safe ways to invest your money and have it grow. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice. You can read here for a better understanding. I work at Kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it. I hope this helps you make the right decision.