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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), else Custody and Asset Operating Fees at actuals charged to the Account by the Partner broker (i.e. Saxo Capital Markets).

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 its 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

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

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

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).

Fund Kristal fee in accordance with Factsheet.

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 its 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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How to Invest in an ETF?

Updated on 23 Feb 2020

According to the research firm ETFGI, there are now as many as 5,000 ETFs trading globally, with more than 1,750 of these based in the U.S. Choosing from this vast pool can be daunting, so here’s a step-by-step guide to help you choose the perfect ETF for your first investment!

Introduction
How to invest in an ETF?
How to choose the right ETF for your needs?
Step 1: Identify Goals
Step 2: Choose a Comfortable Term Period
Step 3: Identify Your Risk Appetite
Step 4: Choose an ETF
Need Help? Ask an Expert!

Introduction

Exchange traded funds (ETFs) have emerged as one of the most popular and reliable forms of investments available in the market. These funds track well-performing indexes and offer returns that match them. ETFs typically contain securities that can range from stocks, bonds, commodities, or even a mix of them all, making them great options for investors who want a diverse portfolio. If you’re planning to grow your wealth in way that lets you regulate your exposure to risk, ROIs, and even the level of diversification that your portfolio has, then you should definitely invest in ETFs.

In this article, we’ll tell you everything you need to know about how you can go about buying ETFs and growing your wealth!

CHECK OUR TRENDING ETFs HERE!

How to invest in an ETF?

One of the things that makes ETFs easy to invest in is the fact that they are listed on the Stock Exchange and can be bought and sold in the same way stocks typically are. This means that you can trade in ETFs through any online broker or traditional dealers.

How to choose the right ETF for your needs?

Before you begin investing in ETFs, you must be able to identify the right ETFs for your needs. One of the best ways to do this is by analyzing your goals and basing your decisions on the same. As a novice investor, the ideal of establishing goals that are set way ahead in the future might be a bit daunting, but all it takes is a little bit of self reflection and an honest understanding of what you want in life.

Step 1: Identify Your Goals

Start by envisioning the life you want to lead. What do you picture? Are you debt-free? Retired? Do you wish to travel the world? Treat these dreams as very real goals and you’ll find that you’re able to achieve them all. To get you started, we’ve listed down a few examples of common goals that people identify:

  • To save enough money to facilitate one’s child’s education abroad
  • Pay off mortgages or loans taken on property
  • Be able to retire at an early age
  • To start your own company
  • Clear any existing debts such as medical bills, education loans, and so on
  • Travel the world without any financial hindrances

Once you’ve identified your goals, you must then estimate the funds you need in order to achieve them. For some goals, this is relatively simple. For instance, if you have a pending student loan of $ 20,000, you are clear about the sum you need to be free of debt. On the other hand, if you want to travel the world, you must jot the average cost of flight tickets, accommodation, food and miscellaneous expenses, account for inflation, and then come up with a number that represents what you will really need.

Step 2: Choose a Comfortable Term Period

After all this, you must then set yourself a timeline to achieve the goal. You might want to retire by 40, or buy a home by the time you hit your 30s. With this, you’ll have a basic idea of the term period that you are comfortable with.

Step 3: Identify Your Risk Appetite

We believe that an investment that makes you sweat at night isn’t something that’s worth your time. Ultimately, every investor is comfortable with different levels of risk, and this is something that must drive their decisions. It is also important to understand that low-risk ETFs also offer a lower yield when compared to high-risk investments, and you may have to either adjust your expected ROI or term period to meet your goals.

Step 4: Choose an ETF

Finally, you need to then identify the ETFs that offer the returns you expect in the term period you would like to invest for. You must go through the past performances of the ETF, understand market conditions well enough to feel confident about investing in it, and be quick-witted enough to predict market conditions that may just cause your stocks to plummet. Then, and only then, can you actually pick an ETF to invest in.

CHECK OUR TRENDING ETFs HERE!

How to Invest in ETF – Ask the Experts!

At Kristal.AI, our experts have decades of experience. We are able to conduct astute predictive analysis and accurately identify the right ETFs for your needs. What’s more, our superior AI enabled recommendations help us narrow down the best possible ETFs for goals, risk appetite, and chosen term period. Through this, we are able to tell all our clients about the perfect investment avenues and all they have to do is sit back, relax, and watch their money grow.

Disclaimer

The materials and data contained herein are for information only and shall in no event be construed as an offer to purchase or sell or the solicitation of an offer to purchase or sell any securities in any jurisdiction. Kristal Advisors does not make any representation, undertaking, warranty or guarantee as to the update, completeness, correctness, reliability or accuracy of the materials and data herein. All opinions, forecasts or estimation expressed herein are subject to change without prior notice. Kristal Advisors and its affiliates accept no liability or responsibility whatsoever for any direct or consequential loss and/or damages arising out of or in relation to any use of opinions, forecasts, materials and data contained herein or otherwise arising in connection therewith.

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