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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

Investing 101 Mins Read

The Basics of Investing in International Markets

investing-101-kristal.ai-banner-3

International investing, as the name suggests, is a strategy in which investors choose global investment instruments in an effort to diversify their portfolio. This also allows them to spread their investment risk across foreign markets and companies, increasing their scope for higher ROIs. This can be extremely beneficial for investors who want to mitigate the risk of investing within their own country due to a turbulent market. In this article, we will tell you all about international investing, the factors that you should consider while investing in international funds, and whether international investments actually mitigate your risk.

Factors to Consider While Pursuing International Investments

As an investor, you can choose from a wide selection of stocks, bonds and mutual funds when considering international funds. One can even choose newer investment avenues such as cryptocurrency if one is so inclined. However, before you pick a specific investment, you must consider an array of factors that determine whether an investment is even worth your while or not.

International Government Debt

Governments from different countries issue a certain debt in order to carry out their financial responsibilities. This is true for both developed and emerging countries. However, with developed countries, one can expect a lower level of risk. As a result, investors looking for a more conservative portfolio can select investment instruments from such countries. On the other hand, emerging countries offer immense potential but also offer higher risks, making them ideal for investors with a higher risk appetite. In order to understand whether you should invest in a certain country’s financial instruments, you should analyse their credit market ratings to know what to expect.

International Indexes

Global indexes are a part of the equities market and can be very lucrative investment instruments. Most of these indexes include stocks from all parts of the world, with the Vanguard Total World Stock Index Fund and FTSE Global Cap Fund Index being leading examples. Equities belonging to developed markets typically offer lower risks than emerging market’s equities. However, the latter is one that is considered to be in high demand amongst most international investors.

Risks Associated with International Investing

Some of the risks associated with international investments include the following:

  • Low liquidity
  • Any significant economic, political or social events that disrupt the market
  • Changes in market value
  • Fluctuations in exchange rates between different currency
  • Varying market procedures and operations
  • Less access to vital information

Thus, the question arises, how much risk mitigation is possible with international investments? As an investor from Asia, it is crucial to understand that though international instruments belonging to the US may seem like steady investments (as the US is a developed nation), the dangers of doing so lie in the fact that US stocks often tend to underperform when compared to international ones. Of course, the reverse has been true at certain periods too, however, a long term look at the market can show you that this is more often than not the case with US stocks. So, if you are looking to invest internationally, do not be swayed by the promise of the American Dream and attaining it in your country. Consider non-US stocks in your portfolio instead. Including as little as 10% of such stocks in your portfolio can offer you the diversification you desire, along with good returns over a long term.

Benefits of Investing Internationally

If you are wondering how international investments can benefit you, the following are a few ways to consider:

  • Many countries make it a practice to offer certain tax benefits to foreign investors. These countries are known as tax havens.
  • Investing off-shore is a way to ensure that you can protect your assets from seizure, should you encounter any trouble in your homeland.
  • Investing in international instruments can also give investors a degree of privacy when it comes to their funds.
  • This is a great way to diversify your portfolio.

Cons of Making International Investments

There are a few downsides to international investments that you must consider as well. These include:

  • International investments can be rather costly to set up. This cost depends on the country you are looking to invest in, however you can expect it to not be inexpensive.
  • Different countries have different tax laws when it comes to their own citizens investing abroad. You should find out about your country’s laws before investing so that you do not accidentally make any mistake that may cost you further.

The Last Word

As a new investor with diversification on the mind, you can certainly consider index funds, mutual funds, stocks, and bonds that belong to international markets. These financial instruments are the most accessible to international investors and you will find many options that align with your risk profile.

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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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.