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Accredited Investor

An Accredited Investor is an individual:

1. Whose net personal assets exceed in value SGD 2 million (or it's equivalent in a foreign currency) with value of his/her primary residence capped at SGD 1 million, or

2. Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it's equivalent in a foreign currency), or

3. Whose income in the preceding 12 months is not less than SGD 300,000 (or it's equivalent in a foreign currency)

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Kristal Freedom Account Fees and Charges

If account value is less than USD 50,000 -

NIL (if 25 or less client-initiated trade per calendar year; every SIP initiation is considered as 1 buy)

If account value is more than USD 50,000 -

0.3% of account value charge is applicable, computed monthly on calendar month-end account value, charged quarterly and Custody and Asset Operating Fees at actuals charged to the Account by the Partner broker (i.e. Saxo Capital Markets).

Kristal Freedom Account Fund Movement Fee

Fee Item Kristal Freedom Account
Funds Deposit
USD Upto USD 25
SGD NIL
HKD NIL
AUD Upto USD 250
EUR Upto USD 250
GBP Upto USD 250
Deposit Threshold NIL (USD 1000 recommended)
Funds Withdrawal
USD Upto USD 50
SGD NIL
HKD NIL

FX Conversion

Where required shall be executed at 0.05% from the Market Rate. The Market Rate available to Kristal.AI is the Rate made available by the relevant brokers.

Note -

*If Sender indicates Sender charges = 0, sending cost will be deducted (in addition to the above) by the receiving bank and paid back to the Sending bank and/or Correspondent bank as applicable.

Additional charges levied by Clients’ bank may apply on transfers and FX conversions done in Clients’ bank account.

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Kristal Private Wealth Account Fees and Charges

Fund Kristal fee in accordance with Factsheet.

Non Fund Kristal account value if less than USD 50,000 -

NIL (if 25 or less client-initiated trade per calendar year; every SIP initiation is considered as 1 buy)

Non Fund Kristal Account value if greater than USD 50,000 -

- 0.30%p.a. of A/C value > US $50,000, computed MONTHLY on calendar month-end account value, charged QUARTERLY.

- Custody and Brokerage at actuals, charged to the Account by the Broker (i.e. Saxo Capital, Interactive Brokers)

Fee Item Kristal Private Wealth Account
Funds Deposit
USD Upto USD 50
SGD NIL
HKD N/A
AUD Upto USD 250
EUR Upto USD 250
GBP Upto USD 250
Deposit Threshold NIL (USD 25000 recommended)
Funds Withdrawal
USD Upto USD 50
SGD NIL
HKD NIL

FX Conversion

Where required shall be executed at 0.05% from the Market Rate. The Market Rate available to Kristal.AI is the Rate made available by the relevant brokers.

Note -

*If Sender indicates Sender charges = 0, sending cost will be deducted (in addition to the above) by the receiving bank and paid back to the Sending bank and/or Correspondent bank as applicable.

Additional charges levied by Clients’ bank may apply on transfers and FX conversions done in Clients’ bank account.

Kristal Managed Investment Account Fees and Charges

Fixed Income account value is equal to or greater than 80% of Total account value -

0.20%p.a. of Total account value, computed MONTHLY on calendar month-end Total account value, charged QUARTERLY.

Fixed Income account value is less than 80% of Total account value -

0.50%p.a. of Total account value, charged QUARTERLY, computed MONTHLY on calendar month-end Total account value.

Brokerage Account operating and maintenance charges ADDITIONAL in accordance with your Agreement with Broker.

Money transfer and FX conversion charges in accordance with your agreement with Broker.

DISCLAIMER

This is offered only to Accredited and Institutional Investors as defined under the Securities and Futures Act, Chapter 289 of Singapore (“Act”), which broadly comprises of regulated financial institutions, large corporates, high net worth individuals and sophisticated investors.

By clicking “Proceed”, you confirm that you are an Accredited/Institutional Investor as defined under the Act and you agree to the Terms of Use for this website.

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Kristal.AI I Robo Advisor I ETFs, Funds, and International Investing

Digital Wealth Management for the AI Generation.

New to investing?

Looking for sophisticated solutions?

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Consistent Returns

Our flagship portfolios, branded as Kristals, are known for their consistency.

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Simple and Quick

Fast, secure, and above all, simple. Exactly the way you want it.

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Lowest Fees

No outlandish fees. Investing with Kristal.AI is free, up to USD 50,000*.

An Investing Platform for the Global Investor!

We are an AI-powered Digital Wealth Management Platform. We offer our customers a curated basket of diverse portfolios, carefully selected by our Investment Committee with a cumulative 120+ years of experience in international markets.

Welcome to the new age of investing!

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Aspire for success.
With better investing.

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Access more ways to invest.
Global portfolios.
Lowest cost.

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Achieve your goals.
With the power of AI.

You can get started with the Kristal.AI Freedom Account which guarantees NO advisory fees, custody or asset operating fee for investments up to USD 50,000*.

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An investing experience as unique as you

At Kristal.AI, personalisation is at the core of everything we do. Our proprietary Advisory Algorithm curates and modifies strategies from a pool of thousands of permutations, to
custom-craft portfolios that meet individual requirements.

120+ years of experience supporting your investments

Our Investment Committee (IC) - a panel of investment experts with 120+ years of cumulative financial experience - also create strategies called 'Kristals'. These strategies combine the best of our in-house experience with global exposure.

Combining the best of AI and Experience

Kristal.AI's Darwin-inspired methodology tests curated strategies against user-defined objectives, and only the 'fittest' strategies are chosen to optimise asset allocation and meet desired goals. We call it GAIAA (Genetic Algorithm-based Iterative Asset Allocation).

An Investing Platform that you can trust

The faith you put in us is of paramount importance. Which is why, at Kristal.AI, we have worked hard to ensure we have earned your trust.

Singapore

Capital Markets Services (CMS)
by
Monetary Authority of Singapore

Hong Kong

“Type 4” and “Type 9”
by
Securities and Futures Commission

India

Registered Investment Advisor (RIA)
by
Securities and Exchange Board of India

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Active customer support

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Portfolios vetted by experts at every step

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No lock-in period, withdraw anytime

Trusted by individuals spread across 22 countries.

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Our customers say

Our clients work for leading companies like Citibank, JP Morgan Chase, Google, Nomura and Standard Chartered.

MODERN INVESTING AT YOUR FINGERTIPS.

INVESTING THAT YOU DESERVE.

As you begin your journey in digital investing with us, we are with you at every step of the way.

Whether you would like to retire by 40 or grow your money to finally buy that holiday home, we are with you always to make sure your portfolio is strong and diversified enough to achieve your financial goals. We bring to you a refreshing digital investing experience right from the comfort of your home.

With Kristal.AI, your portfolio is secure and working hard to make your money grow 24x7.

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