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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

Digital Wealth Management Platform Powered by AI

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Expert-level investment consultants are good partners to help us make dedicated decisions and increase wealth. However, it is not easy to find reliable investment. In addition, traditional investment agent and platform require high asset thresholds and fees, which may not be suitable for small retail investors.

In recent years, there have been a few fintech startups which are trying to find a middle-ground in Hong Kong: Robo-Advisors. Robo-advisors are computer programs that will collect some information about you e.g. your current financial situation, goals and risk appetite and use that to create a diverse portfolio of ETF, bonds, stocks and funds personalised for you. Once you put your money in, they will automatically invest it on your behalf and since there’s no human intervention, they can cut costs and make management fees much lower for the consumers!

Kristal.AI, one of the major Robo-advisors in Hong Kong, which is launched in 2016 and is now operating in Hong Kong, Singapore and India, and has more than 4000 clients across Asia, Middle East, and the Americas. For the past three years, Kristal.AI has developed the platform to make investing personalised, convenient and affordable for everyone. Minimum investment is only HKD500 and no extra fees (brokerage fee, transaction fee, performance fee, etc) for investment up to HKD400,000 or equivalent. After spending 5 minutes to finish the account opening, investors can automatically invest in the best and most credible ETFs across commodities, themes and geographies of all over the world. Other products such as REITs, bonds, stocks, fund are also provided on Kristal.AI.

Customized Portfolios based on Investment Objective

Using the best of Quant Technology, Artificial Intelligence, and accumulative financial experience of 120+ years, our Investment Mantra helps you build a powerful portfolio designed for your financial goals. Our proprietary Advanced Algorithm takes into consideration your financial objectives, risk appetite, previous investment experience to recommend strategies that fit you like a glove.

Portfolio Performance of Kristal.AI
Kristal.AI’s assets are highly transparent, and users can have a clear understanding of the performance of their investment portfolios on website or app. Here are two of Kristal.AI’s portfolios which we would like to introduce, including the conservative portfolio “All Weather US” and the aggressive portfolio “Katalyst”.

Portfolio 1: All Weather US

The asset portfolio All Weather US was launched in June 2018. As of September 2019, the annual return rate reaches 9.53% and the asset volatility is 9.66%. Although it is a relatively conservative investment portfolio, it has an impressive increase of 19.75% in the first nine months of 2019.

Under the back test, based on the performance of “All Weather US investment fund model” from January 2013 to June 2018, the annual return rate is 9.7%! Each investment of 100HKD can get 156.44HKD as return, it gets a better performance when compared to “The SPDR® SSGA Multi-Asset Real Return ETF” as benchmark.

(The SPDR®SSGA Multi-Asset Real Return ET is used as a benchmark for All Weather US because both have a wide range of investments options, ranging from low-risk government bonds to high-risk securities, with high liquidity which can quickly adjust asset portfolios to capture market opportunities.)

Portfolio 2: Katalyst

Another asset portfolio, Katalyst, has been launched since August 2018, with an annual return of 6.21% and a volatility of 14.61% as of September 2019.

Under the back test, based on the performance of “Katalyst investment fund model” from May 2013 to August 2018, the annual return rate is as high as 21.46%! Each investment of 100HKD can get 264.38HKD as return, which also get a much better performance when compared to “The SPDR® SSGA Multi-Asset Real Return ETF” as benchmark.

(The SPDR®SSGA Multi-Asset Real Return ETF is used as a benchmark for Katalyst because both have invested in similar developed or developing companies, industries and geographical distribution.)

Start investment with Kristal.AI by 4 simple steps

The account opening steps are very convenient and it only takes around 5 minutes for registration.

  1. Open a Kristal.AI account
  2. Complete KYC (know your customer)
    Fill in the preference of investment objectives, risks, asset distribution, etc
  3. AI- powered personalized portfolio generation & recommendation
    Of course you can adjust it or select the investment portfolios by your preference
  4. Start investment by funding up your account

Product Tour Video

 

Once you open the investment account successfully and complete the simple setup, you can start investing right away. Users can login to Kristal.AI’s website and mobile app to keep tracking on their investment performance immediately. Kristal.AI will rebalance assets every six months to ensure that the level of investment risk is in line with user expectations. Users will receive push notifications each time regarding on rebalance assets.

 

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