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)

Kristal's Investment Philosophy

Investment Philosophy
Personalization
GAIAA
Key Kristals
Transparency

Hardcoded for personalization

The investment game has two main players: Risk and Reward. At Kristal.AI however, we don’t believe in promising ‘high returns’ blindly. Instead of fleeting moments of financial brilliance, we aim to help you ride out the market ups and downs with consistent returns over time.

And we do this while creating hardworking, custom-curated investing strategies for our clients. Investors today do not live in a mould, and neither do their finances. We understand that.

The portfolios created at Kristal.AI follow age-old investing principles (Markowitz, Letterman, you name it), but at the core of each is a strategy as unique as the individual it was created for. Just like the ones below.

1. Growth portfolio for medium-risk investor

The Need:

Our client, Mr.X, enjoyed the idea of high-growth stocks but was wary of investing in them directly. He also wanted a hands-off portfolio which didn’t take too much of his time.

The Kristal Solution:

We created a customized portfolio with strong focus on bonds and bond ETFs. Long-term bonds are stable assets with a consistent growth, and are a good bet for investors who do not want to spend every minute worrying about their portfolio’s performance.

We also ensured his portfolio was diversified for greater exposure and stability, and tax-optimized for high returns.

2. Balancing security with market-timing

The Need:

What do you give a client who wants his portfolio to provide long-term security, and yet be flexible enough for option-related plays, with real-time advice on emerging market opportunities?

The Kristal Solution:

For our market-loving client Mr. Y, we looked at his account from a “Core & Satellite Approach” perspective, which segregated the portfolio into a core portion and a tactical allocation with a well-laid out plan for each.

The core was a medium-risk portfolio geared towards stability. Investments in this account included balanced Kristals like the All Weather Kristal.

The second account, however, was meant for ‘real-time’ option-related plays accounting for less than 20% of Mr.Y’s portfolio, with high-risk high-growth strategies managed by Kristal Advisors which promised upto 15% returns. By keeping both these accounts separate, we were able to keep his assets secure, while catering to his trader’s instinct.

3. The perfect retirement portfolio

The Need:

Retirement, or sabbaticals; one always needs to think ahead for such times. When our client, Ms. Z, went on a sabbatical she needed a portfolio which would act as a source of income generation, and help her meet her financial needs with ease.

The Kristal Solution:

For Ms. Z, we created a portfolio with low-medium risk assets and the sole intent of creating a quarterly cash-flow source. By reducing the equity portion of the portfolio, and investing in low-risk assets, we were able to provide her with financial float for her sabbatical.

Her portfolio also included tactical strategies executed at favorable times to increase returns.