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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

Kristal每週回顧|2019年9月16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。

  • 美債10年債殖利率上週漲幅創6年高
  • 美股三大指數持續做好
  • 港股消息利淡,無阻港股回升
  • 美國若實施負利率或有機會引起金融泡沫

現在,了解更多細節

1. 美債10年債殖利率週漲幅創6年高

跡象顯示美國消費者支出仍強勁、中美貿易的緊張關係有望趨緩,帶動歐美公債價格在上週五重挫、殖利率大漲。10 年期美國國債殖利率升至 1.84%,而 30 年期國債殖利率週五 (13 日) 亦升至 2.31%。本週 10 年期殖利率的漲幅達 30 多個基點,這是 2016 年 11 月以來的最大漲幅。

近期市場風險情緒好轉,激勵股市上揚,美國探究市場風險情緒好轉原因,除了美國經濟數據表現大致符合預期,主要還是來自對中美貿易重啟談判的樂觀期待。由於大陸對貿易談判目標及底線十分明確,只要美國態度明朗化,就比較容易有結果。

2. 美股三大指數持續做好

美股三大指數持續做好,全周道指升1.58% 納指升0.91% 標指升0.96%。中美貿易談判屢現曙光,中方表示,由本月17日起至翌年9月16日,不再為反制美301措施而向首批美國商品加徵關稅;而美國總統特朗普亦同意押後向2500億美元中國貨加徵關稅,消息帶動中美股市轉強;加上特朗普上周在Twitter再次呼籲聯儲局大幅減息,認為聯邦基金基準利率應該降至「零或以下」,在市場憧憬聯儲局減息的氣氛高漲下,美股更連日做好,道指重返27000點水平,離今年高位27359點愈來愈近。標準普爾500指數結束三連升, 上日收報3007點, 微跌2點, 跌幅百分之0.07, 較歷史高位相差不到百分之1; 主要因為蘋果公司股價下跌, 抵銷了中美貿易緊張局勢降溫的影響。

美股三大主要指數上周五收市個別發展, 但就錄得連續三個星期上升。

3. 港股消息利淡,無阻回升

雖然香港本地局勢暫未見平息迹象,但港股已連續兩個星期反彈。上周五正值中秋佳節,A股休市,港股交投亦較為淡靜,不過仍然升265點,收報27352點。港股近日可謂「柳暗花明」,多重利好消息刺激大市由谷底開始出現絕地反彈,自踏入9月,上周五收市價計,恒指已累升1628點,重上失守一個多月的27000水平之外,更收復50天線;但有感投資者仍然對港股未完全回復信心,一日升一日跌的情况相信會持一段時間。

中美貿易關係緩和,中美談判見曙光,港股上周延續升勢,恒指全周升661點或2.5%。

4. 美國若實施負利率或有機會引起金融泡沫

下週美國聯邦儲備局召開議息會議,市場預期減息機會極高。另一邊廂,本週歐洲中央銀行率先減息重啟量化寬鬆政策(QE)。內地方面中國人民銀行已於上週五宣布下調存款準備金率,料釋放9,000億元人民幣資金,投資者更憧憬人行下一步將加入減息行列。

美國聯儲局將會在星期二, 展開為期兩日的議息會議,結果會在本港時間星期四凌晨公布。美國經濟表現雖相對穩健,但美國貿易政策不確定性已衝擊企業信心,市場普遍預期,今次聯儲局會宣布減息四分一厘,將聯邦基金利率下調到1.75至兩厘曾經多次批評聯儲局政策的總統特朗普,呼籲聯儲局將利率降至零,甚至負利率,讓美國可以為債務再融資,大幅降低利息成本。《華爾街日報》引述經濟學者指出, 將利率降至接近零水平, 顯示聯儲局官員預期經濟將會陷入更嚴重下滑, 將會重挫市場對經濟前景的信心, 帶來意料之外的效果。

 

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