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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.

EXIT PROCEED

What are Commercial / Office REITs?

Updated on 24 Feb 2020

Introduction

Commercial / Office REITs are real estate investments trusts that own or finance commercial real estate buildings and office spaces. Most investors think twice before investing in commercial real estate because of the extensive knowledge required to take sound risks and also because of the huge capital requirements.

Investing in Commercial REITs allows them to be directly involved in the commercial real estate business without taking on the big risks. If you prioritise a steady cash flow, then investing in Commercial RETIs is a good option to consider.

Why should you invest in Commercial / Office REITs?

Every investor should know the benefits of investing in Commercial REITs so that making a decision is easy. Here are the top 5 advantages of investing in REITs –

  • You can be assured that you will receive a steady income from investing in Commercial REITs as every REIT is legally required to distribute 90% of their taxable income to their shareholders as dividends.
  • You have the chance to test out other investing opportunities without bearing all the risk. By having a share in a commercial REIT, you are directly involved in the real estate market.
  • You can invest in both types of Commercial REITs – those who offer high risk investing opportunities with high gains and low yield investments with a very low risk. You can make the choice that suits your risk appetite.
  • You can easily sell and buy Office REITs as they are traded on public exchanges.
  • After investing in Office REITs, you will have very high levels of transparency as the dividend yields depend on the value of the commercial properties.

How to invest in Commercial / Office REITs

Just like any other REIT, there are many ways to invest in commercial REITs. You can purchase individual shares from a share market broker or explore publicly traded Commercial REITs ETFs and mutual funds.

Picking the right investment is not an easy decision, especially if you do not have any knowledge about the commercial real estate industry, which is why you have to rely on financial experts to guide you in the right direction. At Kristal AI, you will find financial advisors that are industry experts. With the help of our artificial intelligence, they can analyse the market trends and calculate the risks for every investment.

Is it the best time to invest in Commercial / Office REITs?

Real estate market is booming right now. While the same cannot be said for residential real estate, it is 100% true for commercial and office real estate. It can be a skyscraper or an office park, specific markets in suburban areas and even central business districts. You can also invest in specific industry firms as well as government agencies.

Even if the recession is on the horizon, REITs are a solid investment. For investors who are looking to start their financial journey, Commercial REITs is a great place to start! Check in with our financial investors to know more about the right type of commercial properties and REITs to invest in that is right for you!

What are the things you need to know before investing in Commercial / Office REITs?

Given below is a list of questions you need to know about the Commercial REIT you are interested in investing.

  • What are the vacancy rates?
  • What are the economic conditions of the property the commercial REIT invests in?
  • How much capital is there with the office REIT for acquisitions?
  • What is the unemployment rate?
  • What is happening in the economy?

You should contact our financial experts at Kristal AI to know the answers for these questions.

Other facts about Commercial / Office REITs

Here are the 6 top commercial/ office REITs globally –

  • Boston Properties, Inc. Boston Properties, Inc.
  • Kilroy Realty Corporation. KRC Los Angeles, California
  • SL Green Realty Corp. SL Green Realty Corp.
  • Alexandria Real Estate Equities, Inc. Alexandria Real Estate Equities, Inc.
  • Cousins Properties. CUZ Atlanta, Georgia
  • Office Properties Income Trust. OPI Newton, Massachusetts
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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