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)

Transaction Fees & other charges

Kristal.AI enables you to hold your investments in the following manner:

Kristal.AI Investment Account:

A segregated Client-Money account maintained in Saxo Capital markets. Kristal segregates the assets for each client, including reporting, in its system.

Supports ETF and REIT investments only

Kristal.AI Investment account is Commissions-free for assets up to USD 50,000 or equivalent.

Brokerage fees: SGD 0
Exchange fees: SGD 0
Custody fees: SGD 0

More than USD 50,000, charges are 0.3% of the portfolio value over USD 50,000.

Currency conversion at 0.05%

Transaction Fees & other charges

Kristal.AI enables you to hold your investments in the following manner:

Kristal.AI Investment Account:

A segregated Client-Money account maintained in Saxo Capital markets. Kristal segregates the assets for each client, including reporting, in its system.

Supports ETF and REIT investments only

Kristal.AI Investment Account is Commissions-free for assets up to USD 50,000 or equivalent.

Brokerage fees: SGD 0
Exchange fees: SGD 0
Custody fees: SGD 0

More than USD 50,000, charges are 0.3% of the portfolio value over USD 50,000.

Currency conversion at 0.05%

Managed account with Saxo Capital Markets:

Assets are managed in clients own brokerage account with Saxo (Kristal can facilitate opening of this account).

Support Multi-asset investments

Recommended for investments above USD 50,000.

Saxo Charges

Brokerage fees(Buy/Sell):
Exchange fees: As charged by Exchange (Varies by Exchange)
Custody fees: 0.12% of Assets under management (p.a.)
Currency conversion fees: 0.05% of amount converted
Note: Kristal.AI does NOT take any retrocessions from Saxo.

Kristal Charges

Management fees: 0.5% p.a. (fees payable quarterly)

DISCLAIMER

Trade ideas are 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.

Inspired by You.

Digital Wealth Management for the AI Generation.

New to investing?

Looking for sophisticated solutions?

ic-benchmark

CONSISTENT RETURNS

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

ic-simple-and-quick

SIMPLE AND QUICK

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

ic-transparent

LOWEST FEES

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

AN INVESTING PLATFORM FOR THE SMART 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!

Aspire for success.

With better investing.

Access more ways to invest.

Global portfolios.

Lowest cost.

Achieve your goals.

With the power of AI.

You can get started with Kristal.AI’s Investment Account which guarantees NO brokerage or advisory fees for investments up to USD 50,000.

START INVESTING

LEARN MORE

AN INVESTING EXPERIENCE AS UNIQUE AS YOU

At Kristal.AI, your needs come first. We work hard to ensure our clients are at the centre of everything we do, by offering a personalised, smart approach to wealth management. Our Advisory Algorithm considers your goals and risk appetite to suggest you the most suitable investment options.

START INVESTING

120+ YEARS OF EXPERIENCE SUPPORTING YOUR INVESTMENTS

Kristals, our flagship portfolios, are created and managed by our renowned Investment Committee (IC) with 120+ years of cumulative financial experience. Which means at every stage of your Kristal.AI investment journey, you get the support of some of the most experienced minds in the industry.

MEET OUR EXPERTS

COMBINING THE BEST OF AI AND EXPERIENCE

Our proprietary algorithm based on Behavioural Finance, Machine Learning and Data Science is powered by the market views of our Investment Committee. As a result, we are the default option for the intelligent investor to put their hard-earned money to work.

START INVESTING

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.

We are licensed in three countries.

MAS - CMS

SFC - "Type 4" and "Type 9"

SEBI - RIA

24/7 customer support

Portfolios vetted by experts at every step

No lock-in period, withdraw anytime

Trusted by individuals spread across 22 countries.

OUR CLIENTS

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

“Kristal.AI has allowed me to strategize and take control of my investments with the help of experienced and trusted investment advisors all on a single app, with the click of a button, and across the 4 major global markets I am most interested in. The platform allows me to straddle strategies across various asset classes including bonds, equity and more! Love the ease, control and freedom!”

Amol Nabar

“Kristal has made it so easy for me to invest and monitor my investments through a single portal. They created a customized investment plan for me. It is easy to surf many Kristals and find out the best that fits for me. I made a good return in an years time. I would strongly recommend Kristal to anyone who is looking for the best financial advice in the market.”

Nitin Kumar Gupta

MODERN INVESTING AT YOUR FINGERTIPS.

INVESTING THAT YOU DESERVE.

As you begin your journey in digital investing with us, we ensure we meet your expectations 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.

START INVESTING