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Frequently Asked Questions

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What are the different solutions offered by Kristal.AI?

Kristal.AI offers a variety of Investment Accounts and products to suit your investment requirements.

  1. Retails Investors residing in India, please click here to explore the features of the account. For further details, please click here.
  2. Other retail investors, please click here to explore the features of the account. For further details, please click here.
  3. Accredited Investors, please write to us at support@kristal.ai and we will get in touch with you to share our offerings.

What can I invest in?

We have over 200 global investment strategies / Kristals, from simple Exchange Traded Funds to sophisticated & actively managed strategies. You will be able to invest in a customised selection of Kristals based on your investment profile and risk appetite.

You can Get Advice from our proprietary online Advisory tool and then choose which Kristal you would like to invest in.

What currencies are used in the Kristals?

Most Kristals are denominated in USD, but we do offer Kristals denominated in CNY, HKD, INR and SGD as well.

Which global markets can I invest in?

Our Kristals comprise products listed on over 100 exchanges globally, thereby providing you investment options which range across 25 countries, including developed economies such as US, Canada, Europe, Singapore, Hong Kong, Japan, Australia, and emerging markets such as China, India and Mexico.

What investment options are available for accredited investors?

Kristal.AI offers Advisory and Investment Management services to allow you to customise your portfolio with a wide range of alternatives; from customised portfolios comprising our best-performing Kristals to bespoke Kristals and Fund Kristals to meet the many specific requirements of Private Wealth individuals and families.

Our award-winning Advisory services can also be availed for your existing Private Bank and broking accounts as well.

Kindly write to us on support@kristal.ai to schedule a callback, and enable us to understand your requirements. Or a faster way to get a call back would be to signup as a Private Wealth user and give your basic details to get a call back from an RM.

What investment options are available for a retail investor?

All our Customers are considered Retail Investors unless they choose to opt-in to be treated as Accredited Investors.

Customers in India can use their Kristal Account to invest in a customised selection of ETF (Exchange Traded Fund) based Kristals.

Customers from the rest of the world will be able to invest using their Kristal Freedom Account.

Do my Kristal investments accrue dividends?

We have over 200 Kristals investors can choose from. Some Kristals accrue dividends, which are added to the cash holding of the Kristal, if any, increasing the value of the Kristal.

Such cash could be deployed to invest in more assets within the Kristal when the Kristal needs to be rebalanced.

Is there a minimum amount that I need to invest?

There is no minimum amount prescribed. You could start by investing in 1 unit of the lowest value Kristal too.

We would recommend however, you begin with USD 5,000/- to be able to build a well-diversified portfolio optimised to match your investor profile and risk appetite.

Please do consider the applicable charges applied by your Bank. Transfers below a certain amount may not be very cost-efficient.

Clients remitting from a Bank account in India, please note your Bank may choose to review remittances of small amounts in greater detail which could result in failure or delay of funds reaching your investment account. We have seen this to be the case with amounts less than US $1,000.

Is there a lock-in period for the investments?

There is usually no lock-in period for any Kristal. However, some Fund Kristals (available to Accredited Investors only) may be subject to a lock-in period.

All information relating to a Kristal can be found in the details and other sections.

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Accredited Investor Declaration

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.

An Accredited Investor is an individual
  • 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
  • Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it’s equivalent in a foreign currency), or
  • Whose income in the preceding 12 months is not less than SGD 300,000 (or it’s equivalent in a foreign currency)

I agree to opt-in as Accredited Investor and will submit required documentation to confirm the same.

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