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Asheesh Chanda

Asheesh Chanda has 15 years experience in the financial industry inclusive of 8 years at JPMorgan and a Singapore Hedge Fund

Asheesh Chanda

Founder at Kristal.AI

About

Asheesh Chanda has 15 years experience in the financial industry inclusive of 8 years at JPMorgan and a Singapore Hedge Fund

Credentials

Founder at Kristal.AI

Asheesh Chanda

Founder at Kristal.AI

  • Answers (17)
  • Questions (1)
  • Reviews (0)

Investments

Robo-Advisors

Kristal.AI

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Answered on 14 Nov 2019
Our rebalances are model driven or rule based with a forward looking view. So an All Weather Kristal shall rebalance when the weightages are outside of the bounds that the rules state. Additionally since we monitor Kristal performance regularly, there could be a trigger based rebalance, where the asset allocation goes conservative or aggressive as the case maybe. We use different approaches including Risk Parity, Target Vol, Glide path etc. Would love to walk anyone through in more detail if there is interest. You can write to [email protected] for more detals.

Investments

Stocks Discussion

Retirement

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Answered on 30 Oct 2019
We create Target date custom portfolios for clients at Kristal.AI There is a lot of research suggesting Target Date is a better strategy versus Balanced portfolios - and intuitively that's true as in early stages Target Date take more risk and reduce it over time via lower risk asset allocation during its life cycle. Reach out to our advisors at [email protected] for more details. Learn more from us here: http://bit.ly/36ci0yF

Investments

Savings

Stocks Discussion

ETF

REITs

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 30 Oct 2019
REITs and ETFs are the best way to get started. You may want to keep a smaller part in short term bond ETFs (Bond ETF UCITS preferably for tax reasons) which you can plough into the stock market in case of weakness in Equities. Do check out Kristal.AI wherein you can buy a few Kristals for 10K (and upto 50K) completely free of any advisory fee (except ETF fee which ETF providers take) You can then even set up a SIP on an ETF like SPY or VTI or VWO. You can also run the Algorithm to check what that suggests for your profile. Do reach out to our advisors or support team if you need help. Learn more from us here: http://bit.ly/36ci0yF

Investments

Stocks Discussion

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 30 Oct 2019
You should start with a balanced portfolio where you hold some low-risk Bond ETFs along with some Equity ETFs and Gold. In the case of Equity Market corrections you can change % allocation to more in eq by redeeming some Bond ETFs. As an example, at Kristal.AI we manage this via certain Kristals like All weather Unlevered/Balanced or even Steady Growth etc by proactively rebalancing as our Investment Committee takes the consensus view to rotate the asset allocation. So you can either allocate dynamically yourself or rely on Kristal.AI to do so. Do note investments via us are free for up to 50K USD. Learn more from us here: http://bit.ly/36ci0yF

Investments

Regular Shares Savings Plans (RSS)

StashAway

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 30 Oct 2019
You should consider and evaluate balanced and differentiated portfolios like All Weather or Asia REITs Kristals at Kristal.AI First 50K Investment is at Zero Fee Learn more from us here: http://bit.ly/36ci0yF Do let us know your feedback - would love to improve over time.

Stocks Discussion

Investments

FSMOne Fundsupermart

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 30 Oct 2019
Equity ETFs (like SPY, QQQ) or Index Funds are typically suitable for a Growth goal and the dividends are relatively small, hence the withholding tax impact should be tiny. A lot of investors do prefer UCITS ETFs, especially when going into Bond ETFs. Feel free to reach out to our advisory desk for more info. Given US-domiciled ETF investments via Kristal.AI are free, it may be worthwhile for you to consider us and test us out. Happy to hear more feedback. Learn more from us here: http://bit.ly/36ci0yF

Investments

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 30 Oct 2019
You should start with a balanced portfolio where you hold some low-risk Bond ETFs along with some Equity ETFs and Gold. In the case of Equity Market corrections you can change % allocation to more in eq by redeeming some Bond ETFs. As an example, at Kristal.AI we manage this via certain Kristals like All weather Unlevered/Balanced or even Steady Growth etc by proactively rebalancing as our Investment Committee takes the consensus view to rotate the asset allocation. So you can either allocate dynamically yourself or rely on Kristal.AI to do so. Do note investments via us are free for up to 50K USD. Learn more from us here: http://bit.ly/36ci0yF

Investments

Property

Retirement

Investment Linked Policies (ILP)

Endowment Policies

General

Cryptocurrency

Fresh Graduates

Ultimate Hacks: Adulting

Online Brokerages

Fixed Deposits

REITs

ETF

STI ETF

StashAway

Stocks Discussion

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 30 Oct 2019
Would request you to onboard to Kristal.AI and run the algorithm to see what it suggests. You can always reach out to our advisors over email for their inputs once your KYC is done. Depending on your risk profile, you may consider an All Weather and Global Tech ETF kind of Kristals. Given up to 50K USD we have Zero fees, it may be worthwhile giving it a shot. Investments should be made with a medium to long term horizon and not too short term. Learn more from us here: http://bit.ly/36ci0yF Thanks

Investments

Insurance

Savings

Robo-Advisors

StashAway

Asheesh Chanda
Asheesh Chanda
Level 6. Master
Updated on 30 Oct 2019
I am a big believer to keep insurance and investments in separate buckets and not mix them. Whether you use Kristal.AI's free uto 50K USD ETF baskets or choose your own from any Robo, I would advise keeping insurance premium different from investment goals and baskets. The more you bundle things the more opaque the pricing and liquidity get. I have hundreds of clients who have told me horror stories of how mixing the 2 buckets not only led to sub-optimal returns but also they overpaid on insurance premiums. I agree with your friend, having liquid investments in low/medium risk baskets is safer; do get your risk profile done online for free when you get a chance at Kristal.AI Happy to help if you need more inputs. Learn more from us here: http://bit.ly/36ci0yF

Stocks Discussion

Investments

Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Updated on 29 Oct 2019
If you are an accredited investor, you can get a managed account and get access to Equity options ideas (called ELONs) at Kristal.AI Do get your KYC and Risk profile done online. Our advisory team is happy to help as you may need. Learn more from us here: http://bit.ly/36ci0yF
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