x

Start investing with a
free Kristal.AI account.

icon

Simple. Secure.

*Error message
X

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)

X

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.

X

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 is a Risk Profile?

Updated on 24 Feb 2020

An investor’s risk profile is part of their financial DNA. In order to build the profile, there are two major things to consider, the risk tolerance and the risk capacity of the individual. The following article gives you an in-depth understanding of these two concepts.

Introduction
Risk Tolerance and Your Risk Profile
Determining Your Risk Tolerance
Risk Capacity
Balancing Risk Tolerance and Risk Capacity/a>

Introduction

A risk profile refers to an individual investor’s ability and willingness to take any risks with their investments. Understanding an investor’s risk profile is extremely important because it helps financial advisors have a clearer picture regarding the right investment for their portfolio.

Investors will low risk profiles will always be directed towards much safer investment avenues that come with a lower yield, as opposed to investors that have a higher risk profile.  theFor latter, financial advisors would direct them towards high-risk, high-ROI investments such as blue-chip funds. In this article, we’ll tell you everything you need to know about risk profiles.

In order to build an investors risk profile, there are two major things to consider. These are the risk tolerance and the risk capacity of the individual. We explain these in detail below.

Risk Tolerance and Your Risk Profile

The term risk tolerance refers to the degree of risks that a particular investor feels comfortable taking. In other words, it refers to the amount of uncertainty that the investor is okay facing. As there is no financial investment that is absolutely risk-free, all investors do make their peace with the fact that they will have to face some risk. But, the volatility that they are okay with tends to vary from person to person. Therefore, financial advisors chart out risk profiles for every single investor that they work with.

Determining Your Risk Tolerance

Risk tolerance can vary greatly with age, income, goals, and existing investments, and most investors fall into one of the following categories:

  • Very aggressive
  • Aggressive
  • Balanced
  • Conservative
  • Very conservative

One of the most common predictors of risk tolerance that advisors see is age. Young investors who are just starting out their investment journeys are more likely to be willing to take some risks to get better returns. On the other hand, older investors reaching retirement would like to see their wealth grow by taking conservative steps.

There are also certain personality traits or behavioural traits that align with each of these categories. These are:

Aggressive: tend to be well-aware of what’s happening in the market. They understand both, securities and their propensities, which is what lets them purchase volatile financial instruments.

Balanced: tend to favour a 50/50 approach when it comes to their investments. They are willing to accept a certain level of risk, but not more, and always end up picking intermediate term horizons for their investments, like 5-10 years. The right approach for such investors is to combine large company mutual funds along with risk-less securities and less volatile bonds to help them feel a bit more secure about their funds.

Conservative: tend to be highly risk-averse and will not accept investments that have high degrees of risk. Such investors are okay with the idea of getting low returns on investments, as long as they get to feel that their funds will be secure in the long term. Conservative investors also prefer investments that very liquid in nature. An example of the kinds of investments such investors would choose includes US Treasury funds, money markets and certificates of deposit. They may also favour investments like real estate.

Risk Capacity and Your Risk Profile

While risk tolerance refers to what individuals are comfortable with, risk capacity, on the other hand, refers to the risk they have no option but to endure. All investors have certain goals in mind with regards to the growth of their funds, and these goals often align with different financial products, which come with their own degrees of risk. Therefore, in order to meet these goals, investors must expose their funds to the risk involved.

Balancing the Two

An investors risk profile is typically made by balancing the two risks to come up with options that align risk tolerance with capacity as seamlessly as possible. Doing so helps financial advisors then pick out the right investment avenues for their clients, thereby creating a list of options that help clients get everything they want. This is why when it comes to investments, the first thing that you must identify is your own risk appetite. Once you do so, you can go ahead and figure out your investment goals – which will give you a clear idea about the risk capacity that you must endure.

When you are starting out your investment journey, it is very important to understand your volatility levels. If you’re the kind of person that gets anxious very quickly and always imagines the worse, then you probably should not pool all your funds in high risk investments! On the other hand, if you are willing to take risks to a huge payout at the end, then you can go for high risk investments without batting an eyelid.

Speak to our experts at Kristal.AI to know more about your risk profile, and the investments that are perfect for you!

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.

cross
Change your country to India?

You’re now visiting Kristal.AI Worldwide.
To explore diverse offerings in Indian and global products, select India as your country.

ind

India

hkg

Hong Kong

sgp

Singapore

global

Other