Your Own Private (Un)Bank
Enabling personalized Private Wealth experiences by leveraging latest in Technology and dedicated Relationship Management.
Invest in a well-diversified multi-asset portfolio. Choose from an array of thematic baskets, global bond portfolios, Investment Guru trackers, Alternative Investments, or customized solutions based on your risk profile and market views.
Unbiased & Personalized Advisory
Our advisors will review your portfolio and use a rule-based investment approach supported by AI-based algorithms to determine ideal asset allocation & create tailor-made portfolios.
Learn MoreBuild Your Own Strategy
Investors can build their own multi-asset strategy (called Kristal) with the help of our analysts, and the quant algorithms and advisory tools on offer.
Fully-Discretionary Mandates
Compliance-approved mandates authorized by over 20 major law and accounting firms and banks in Singapore and Hong Kong.
Our Clients Share Their Journey

Long-time investors Jelena and Renze Elzinga talk about their journey with Kristal.AI
"The investment team is quite amazing and so is the client onboarding and support team. Highly recommended for anyone wanting to invest money in equity or debt or commodity funds globally."
Vaibhav Gandhi
Vice President, Global Custodian Bank
“The platform allows me to straddle strategies across various asset classes including bonds, equity and more. Love the ease, control and freedom.”
Amol Nabar
Banker, JP Morgan
"I enjoyed using Kristal because, compared to other Roboadvisor that I use, I have more control if I want to take the driver seat on my investment. This is something that I could not find in my other Roboadvisor platform experience as the option is limited to sell your position as a whole (rather than picking which investment you want to trade)"
Marry Saragi
Lawyer, Foreign Firm
“Kristal edges ahead of various Robo-advisory and brokerage platforms by offering numerous ETFs, UCITS, theme-based Kristals, Gold ETFs and quite recently Oil ETFs for investors to invest automatically on a monthly basis. Simply set your quantum, purchase date, and voila you are done!”
Rajiv Rai
Legal Counsellor, Public Service
“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
Alumni, IIT
"Setting up the account took less than a day for KYC accreditation and a few days for the first fund transfer. Easy sign up process."
Kai Ong
Student
Our Core Values
Personalization
Trust
Care
Sustainable Investing
Personalization
Choose and allocate from over 200+ funds with help from your Relationship Manager and Advisors.
Tailor-made investments structured to suit individual client needs.
Enhance yields on stocks, bonds, and gold. Manage exposure via customized derivatives and options.
Trust
Track history of all funds publicly on our website.
Transparent pricing across all offerings.
Assets held in DBS (Trustee Bank) and Saxo or Interactive Brokers (or broker-custodians).
Care
Dedicated Relationship Manager for every Private Wealth client.
Proactive digital and Relationship Manager-led management.
Algorithm-based monitoring to keep your portfolio on track.
Sustainable Investing
Portfolios made with institutional rule-based investing with high-quality assets, and ongoing risk monitoring.
Expert internal and third-party fund managers, vetted and reviewed by our Investment committee.
Future-proof pricing model - Reasonable, transparent & aligned with customer's growth.
Personalization
Choose and allocate from over 200+ funds with help from your Relationship Manager and Advisors.
Tailor-made investments structured to suit individual client needs.
Enhance yields on stocks, bonds, and gold. Manage exposure via customized derivatives and options.
Trust
Track history of all funds publicly on our website.
Transparent pricing across all offerings.
Assets held in DBS (Trustee Bank) and Saxo or Interactive Brokers (or broker-custodians).
Care
Dedicated Relationship Manager for every Private Wealth client.
Proactive digital and Relationship Manager-led management.
Algorithm-based monitoring to keep your portfolio on track.
Sustainable Investing
Portfolios made with institutional rule-based investing with high-quality assets, and ongoing risk monitoring.
Expert internal and third-party fund managers, vetted and reviewed by our Investment committee.
Future-proof pricing model - Reasonable, transparent & aligned with customer's growth.
Our Investment Committee
The Kristal.AI Investment Committee is a team of professional financial experts who combine extensive expertise in investment markets, economics, risk analysis, and asset management to deliver guidance and insight for the benefit of Private Wealth clients. With an average of nearly 30 years of working experience in big institutional banks, they collectively bring a wealth of insight to help investors stay abreast of current conditions and future opportunities.
Our Investment Committee
The Kristal.AI Investment Committee is a team of professional financial experts who combine extensive expertise in investment markets, economics, risk analysis, and asset management to deliver guidance and insight for the benefit of Private Wealth clients.
With an average of nearly 30 years of working experience in big institutional banks, they collectively bring a wealth of insight to help investors stay abreast of current conditions and future opportunities.