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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

Kristal每週回顧|2019年11月04日

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只有 5分鐘時間? Kristal A.I 為你簡短回顧上週全球經濟與金融市場的4件大事。

  • 美國聯儲局減息四分一厘,年內第三次減息
  • 美國就業數據強勁,標普和納指同創歷史新高
  • 2019 全球車場整體下滑,電動車持續20% 增長
  • IMF下調了亞洲經濟增長預期,陷10年最低位

1.美國聯儲局減息四分一厘,年內第三次減息

美國聯邦儲備局10月30日公布議息結果,宣布減息四分一厘,為年內第三次減息。聯邦儲備局宣布將聯邦基金利率調低至1.5至1.75厘。儲局公布的議息聲明刪減有關暗示再次減息的字句,未有提到「將會採取合適行動」維持經濟增長,意味官員有意保持利率不變。不過儲局暗示下次議息不會再次減息。

聯儲局亦提到,考慮到全球發展對於經濟前景的影響,加上通貨膨脹壓力減輕,局方採取行動減少借貸成本。

鮑威爾指出,今次減息是一次保險性措施,現行貨幣政策立場仍然合適,除非聯儲局對前景作出實質重估,否則會維持目前的政策立場。全球經濟增長放緩及貿易疲弱構成持續風險,但已經轉向積極方向,當中美國與中國達成首階段貿易協議,若貿易緊張局勢進一步緩和,對企業投資及情緒會有相當積極的影響。

2.美國就業數據強勁,標普和納指同創歷史新高

在美國勞工部公布10月強勁的非農就業報告激勵下,標普500指數在上週六上漲1%至3,066點(今年漲幅達22%),為一週內三度刷新歷史高價,同時也連續四週上漲,創下3月初以來最長上漲紀錄。

美國10月新增12.8萬個就業,略高於預期;失業率微升至3.6%,但仍處於充分就業區間;同時工資同期漲幅達3%,創下連續109個月漲工資的穩定紀錄。

市場原本預期美國10月非農就業人數僅增加7.5萬人,但結果是12.8萬人,大幅超出預期,而且9月新增的就業人數也上升到18萬人,一掃先前經濟學家悲觀預期美國就業市場將受到製造業衰退衝擊的陰霾。這份優於預期的就業報告,加上近日公布的第三季GDP增長率達優於預期的1.9%,凸顯美國經濟在貿易戰的紛擾中依舊表現強勁,一般預料美國家庭將繼續擴張消費,進而推動第四季甚至明年的經濟增長。

3. 2019 全球車場整體下滑,電動車持續20% 增長

汽車工業對全球經濟發展影響重大,國際貨幣基金組織(IMF)估計,汽車工業佔全球經濟產值的5.7%、佔世界貿易的8%。然而,繼2018年全球汽車銷售下滑後,2019年、2020年兩年全球汽車銷售可能持續走下坡路。全球汽車總銷量維持在 9,000 萬輛,整體下滑約 4.7%。儘管美國、日本、德國微幅成長,但中國與印度各縮減 10% 使整體呈現衰退。

全球汽車工業飽受多重結構性逆風打擊,造成製造成本升高,銷售卻遭抑制,這正拖慢全球經濟成長。

這反映三股逆風:關稅壁壘推升成本、影響銷售;改用低碳排引擎所費不貲;主要車市已飽和,原因包括人口老化、所得停滯,以及共乘等替代方式興起。電動車則在逆勢中持續成長,銷量有望於 2019 年突破 500 萬輛水平,繼 2018 年後持續保有超過20% 成長率。

4. IMF下調了亞洲經濟增長預期,陷10年最低位

國際貨幣基金組織(IMF)將2019年亞洲經濟增速由5.4%下調至5%,2020年增速亦由5.4%降至5.1%,這將是自全球金融危機以來的最慢增速。國際貨幣基金組織將2019年亞洲經濟增速由5.4%下調至5%,2020年增速亦由5.4%降至5.1%,這將是自全球金融危機以來的最慢增速。

但據IMF指,亞太地區仍是增長最快的地區,對全球增長貢獻超過三分之二,但全球政策不確定性、貿易措施扭曲,以及重要交易夥伴國經濟增長疲弱等,導致亞太地區短期前景正在不斷惡化。

如果想了解更多經濟大事或智能投資的資訊,歡迎隨時聯絡Kristal.AI或在此免費登記我們的服務。

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