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

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
(Limit of 25 client-initiated trades per year post which 0.3% charges applies.)
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
  (Limit of 25 client-initiated trades per year post which 0.3% charges applies.)
- 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)

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.

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.

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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

CMS by Monetary Authority of Singapore

Hong Kong

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

India

RIA by Securities and Exchange Board of India

Active customer support

Portfolios vetted by experts at every step

No lock-in period, withdraw anytime

Trusted by individuals spread across 22 countries.

Our customers say

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

“I trust Kristal.AI because it is transparent about its fees, its investments and it also advises me on how I should best invest my money based on my objectives (long term growth).”

Amit Gupta, Ex-IITian

“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.

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