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Frequently Asked Questions

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Using the App

How to enable trading permission for an IB account?

You can enable permission for an IB account by following the steps below:

  • Log into the Interactive Brokers website. Here, it is to be noted that you are to have a two-factor authentication and if not you may register for the IB key.
  • Go to ‘Settings’.
  • Proceed to ‘Account Settings’ and then ‘Trading Permission’
  • Select the related option and click on ‘Request Trading Permission’

 

For further assistance you may refer to the document or the audiovisual relating to your query.

 

How do you compare Kristals?

To compare Kristals, please follow the steps below:

  • Go to the Kristals in the explore section, proceed to the Kristals you would like to compare
  • Click on the specified icon:  on the card
  • After selecting the Kristals to compare by performing the above steps, click on ‘Compare’ in the pop up on the bottom left of your screen.

How can I change my country of residence ?

You can change your country of residence by simply writing to our team at compliance@kristal.ai

Is there a tax on dividends?

Assets belonging to some jurisdictions are subject to withholding tax on dividends paid out to the holder of such assets. The withholding tax is deducted at the source and is reflected in the Kristal GAV.

What are the benefits of being an Accredited Investor

Our Accredited Investors are enabled to enjoy the following privileges, enhancing their investment experience and returns:

  • Tailor-made multi-asset portfolio to precisely suit their needs and desires.
  • Advisory across multiple Private Banking accounts
  • Trade ideas as per your views and requirements
  • A Dedicated Relationship Manager, for assistance and guidance through every step.

What do you mean by an Accredited investor?

Accredited Investors are our customers that meet the following the following criteria and have opted to be so:

  • Annual Income in the preceding year of Singapore Dollars 300,000/- (or the equivalent in foreign currency);

OR

  • Total Net Worth of Singapore Dollars 2,000,000/- (or equivalent in foreign currency), of which Singapore Dollars 1,000,000/- (or equivalent in foreign currency) is held in financial assets (Liquid Net Worth).

Any of the following documents are also to be submitted as a proof of being an Accredited Investor:

For Net Personal Assets:

  • Property title deed
  • Property valuation report less than 6 months old from recognized valuers
  • Latest audited annual accounting report of the company (audit report by the Big Fours and/or recognized registered audit company in the country)
  • Latest investment portfolio statement (as at market value)
  • Latest bank statement

For Annual Income:

  • Copy of pay slip (dated within 3 months)
  • Copy of bank statement with salary credit
  • Copy of most recent income tax return
  • Original letter of employment stating position and income (issued by HR within 3 months)
  • Additionally, for foreigners, a copy of employment pass and passport is required.

Can I change my investing profile and if yes, then how?

Yes, you can change your investing profile. In order to do so, you are to update your risk profile by amending/altering the information provided in the same.

However, it is to be noted that you can change your investing profile or update your risk profile only 4 times in a period of 6 months.

What does an Investing Profile mean?

An Investing Profile defines the investment options most suitable to you depending on your risk appetite which is in turn determined by the information provided by you.

There are 4 types of an Investing Profile:

  • Cautious Investor- low risk profile.
  • Balanced Investor- moderate risk profile
  • Adventurous Investor- high risk profile
  • Sophisticated Investor- very high risk profile

How can I view the agreements signed by me?

To view the agreements that have been signed by you, follow the quick steps below:

    1. Click on the ‘Profile’ icon on the top navigation bar
    2. Proceed by clicking on the ‘KYC Details’ tab on the left of the dashboard.
    3. You can view the respective agreements signed by you in the specified section by clicking on ‘AGREEMENTS’

How to cancel a recurring subscription or a Systematic Investment (SIP)?

In order to cancel a recurring subscription or an SIP, the following steps are to be followed:

    1. Click on the ‘Kristals’ icon on the dashboard, under the portfolio tab.
    2. Click on ‘Scheduled SIPs/SWPs’.
    3. Go to the Kristal for which the SIP or recurring subscription is to be cancelled
    4. Click on the ‘cancel subscription’ button
    5. Confirm the action by clicking ‘yes’
    6. Enter the OTP sent to the registered email address.

The SIP will be successfully cancelled i.e. there will no more be recurring subscriptions of the respective Kristal.

How to use the Kristal.AI Advisory Algorithm?

Once you have successfully completed your KYC and Risk Profile, you can make use of the Kristal.AI Advisory Algorithm to obtain the best investment options, suited to your needs. You can do so by following the few quick steps below:

  1. Click on the ‘Get Investment Advice’ on the top of your dashboard
  2. Enter the amount you are looking to invest.
  3. Chose the desired risk level for your prospective portfolio

What is a ‘Risk Profile’ and why is required to be completed?

Risk Profile contains financial information regarding your assets, income and liabilities. It helps in evaluating your risk appetite and hence allocation of your funds in an optimum manner with the most suitable Kristals or investment strategies.

Where can I find or view the Kristals?

To view our investment strategies and the full range of Kristals, suitable and available to you, please click on ‘EXPLORE’ in the top navigation bar of the dashboard.

What do you mean by ‘Top Performing Kristals’?

Top-performing Kristals are those that have the highest returns for a certain duration. However, the top performers are updated on a daily basis.

Once you have signed up for an account with Kristal.AI, you can click on the “Top Performers” tab on the dashboard to view these kristals.

What do you mean by ‘Most Popular Kristals’?

These are the Kristals which have been viewed the most number of times and investors have expressed most interest in them. You can view these Kristals after completing your KYC in the “EXPLORE” section under the “MOST POPULAR” tab.

How can I select Kristals?

For the full range of Kristals deemed suitable for you/available to you, please click the EXPLORE tab in your dashboard.

How can I buy a Kristal?

Once you have received a confirmation that your account has been approved and is ready for investments, you can by following the steps below buy a Kristal of your choice:

  1. Log in to your Kristal AI account
  2. Click on the ‘EXPLORE’ icon on the top navigation bar
  3. Invest in the Kristal of your choice by simply clicking ‘Buy/Invest’.
  4. Specify the number of units to be purchased in the popup.
  5. Enter the OTP sent to your email and registered mobile number in order to confirm the purchase

* It is to be noted that, if there are insufficient funds in your account, you will not be able to purchase the Kristal.

*Please note, the Kristal GAV reflects the previous working day’s ‘end-of-day’value of the Kristal strategy. The actual funds invested could be different from the given GAV depending on the market price of the underlying holdings.

How to create a Recurring Subscription or an Systematic Investments (SIP)?

To create a recurring subscription or an SIP, the following steps can be followed:

    1. Select the ETF or Kristal you want to subscribe periodically or on a recurring basis.
    2. Press the “Invest” button
    3. Select “order type” as “SIP” from the dropdown
    4. Now, enter the number of units you want to invest in – this could also be denoted as the approximate amount to be invested periodically.
    5. Select the timeline after which you wish the investment to recur such as daily, weekly, bi-weekly, monthly, etc.
    6. Select the SIP expiration date i.e. the date after which no such recurring investments will be made on the said Kristal.
    7. Enter the maximum monthly investment limit
    8. Click the “Place Order” button
    9. To approve the subscription, the OTP sent to your email address and registered mobile number is to be entered.

Your order for Recurring Subscription or SIP will be successfully placed.

*You can educate yourself with the funding instructions for the subscription, by just clicking on the hyperlink in the popup.

Please Note: In case of multiple SIPs from the same account scheduled on the same date, it is possible that a few might fail, with the SIP order placed last having the highest probability of failure.

How do I cancel a placed order or a pending subscription?

A pending subscription is one in which an order for investing has been placed but has not yet been fulfilled or executed.

Hence if you change your mind shortly after deciding to invest in a particular Kristal, you can easily cancel the order by following the process below:

    1. Click on the icon ‘Kristals’ in the top mid-right corner of the dashboard, under the portfolio segment.
    2. Proceed to Kristals Orders
    3. Go to the Kristal for which the order is to be cancelled
    4. Click on the ‘cancel’ button
    5. Confirm the action by clicking ‘yes’
    6. Enter the OTP sent to the registered email address.

The order will successfully be cancelled.

*Please note that if the status of the respective Kristal if ‘completed’ instead of ‘Yet to Process’ then the subscription has been completed or the kristal has been purchased and the order cannot be cancelled and you will only be able to ‘Sell’.

How do I sell/liquidate my Kristal?

You can sell or liquidate your Kristal by carrying out the following steps:

  • Click on the ‘Kristals’ tab under the Portfolio section
  • Click the ‘Sell/Redeem’ button on the Kristal Card in the relevant account.
  • Enter the number of units to be sold in the popup displayed
  • Place an order for sale by clicking on the button stating the same.
  • Enter the OTP sent to your registered email address and mobile number.

*Please note, the Kristal GAV reflects the previous working day’s ‘end-of-day’ value of the Kristal strategy.The actual funds received could be different from that GAV depending on the market price of the underlying holdings, and will be adjusted for transfer charges if the funds are moved out of the Kristal Investment Account.

How can I monitor the performance of my portfolios?

To monitor your portfolio performance, you can login to your Kristal.AI account and click on the ‘Portfolio’ tab. You will be able to monitor your Kristal’s performance, holdings, and trades.

Where can I find the details of my portfolio holdings?

Your holdings can be seen in the “PORTFOLIO” section on your Dashboard. Click on the “KRISTALS” tab.

When will the latest value of my investment be reflected?

The Kristal Net Asset Value (NAV) is the sum total of the closing values as of the previous day of all the underlying constituents held within a Kristal.

The NAV is updated daily by 2:30 pm Singapore time.

When will the transactions executed reflected in my account?

Once the transaction has been executed, it usually takes 1 business day to reflect in your account.

How do I get reports of my portfolio’s performance?

You can check the performance of your investments at any given time via the dashboard on the Kristal app/website.

You will also receive regular updates relating to funds movement, subscription, and redemptions vial email and in-app notifications.

Reports regarding transactions, fees, taxes withheld, brokerage, and related charges are uploaded in the ‘Reports’ section of your account on a monthly basis.

I tried logging into the Kristal.AI app and was asked for my device credentials. What should I do?

When you login to your Kristal.AI app via an Android device, you might be prompted to enter your device credentials. This refers to the credentials you use to unlock your device and can refer to your device password, PIN, fingerprint, swipe pattern, etc.

The device password is different than your app login details. You need to enter both in order to access your app.

How to unsubscribe from email communications?

You can easily opt out of advisory and promotional emails by following the few quick steps below:

  1. Click on the ‘Profile’ icon on the top navigation bar
  2. Proceed by clicking on the ‘Settings’ tab on the left of the dashboard.
  3. Turn the button to ‘YES’ for ‘Turn off Advisory & Promotional emails and notifications’

However, if for any reason you’re unable to unsubscribe by performing the above mentioned steps, please write to us at support@kristal.ai to unsubscribe from future email communications.

Please Note; in case of the latter, it will take upto 7 business days to process your request and update your profile accordingly.

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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.

< Back Proceed as Private Wealth

Wealth Management Solutions
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.

Proceed as Private Wealth

THEMATIC STRATEGIES

Enabling clients to invest in trending themes like FAMANGThe FAMANG Kristal invests in Facebook, Apple, Amazon, Netflix and Alphabet’s Google stocks. Assets are carefully chosen by an algorithm in order to deliver a superior returns based on past performance. The strategy is rebalanced every quarter., TECHGlobal Technology ETFs is a genetic algorithmic strategy focussed specifically on the Technology sector., ESGProvides exposure to higher rated environmental, social, and governance (ESG) companies while accessing large- and mid-cap stocks in Europe, Australia, Asia and the Far East., etc. with a single click or just create your own thematic basket.

Future-proof your portfolio and capture emerging investment themes.

OVERVIEW

Explore and Identify

Select from a range of expertly designed trending and diverse themes

Efficient Execution

Enabling easy exposure to your preferred themes without the hassle and costs of individual security selection and execution

Only the Best

A ready-made collection of Kristals that derive the best of the specific asset class or theme

Unique Mix

An optimised blend of ETFs and individual counters, enhancing efficiency and profitability

Contact our Relationship Manager
ALTERNATIVE INVESTMENTS

Diversify your portfolio with exclusive Private Equity, Pre-IPO deals, VC Funds & other investments like Bitcoin, Gold, Hedge Funds and many more.

Kristal fractionalizes difficult-to-access deals and opportunities.

OVERVIEW

Instant Access

A wide range of alternative asset classes such as Gold, Bitcoins, Hedge Funds and many more; readily made available

Risk Management

Enables investments in diversified assets hence spreading the risk

Easy Tracking

Enables you to get a consolidated view of investments in all assets at one place, hence facilitating easy monitoring and tracking

Exclusive Deals

Access to exclusive Venture Capitalist, Startup as well as pre-IPO investment opportunities

Low Investment Tickets

Facilitates fractionalization of investments in deals

Contact our Relationship Manager
FUNDS PLATFORM

Professionally managed funds with active investment strategies, screened for you by our investment committee to diversify your portfolio.

Enabling clients to access exclusive investment strategies. View Funds

OVERVIEW

Access

Provides Access to Professional Fund Managers

Low Investment Tickets

Facilitates fractionalization of investments in funds

Diversity

A wide spectrum of investment strategies ranging from Arbitrage to Credit to Hedge Funds and many more

Fees

No additional costs are charged by Kristal.AI

Exceptional Performance

Funds with an impressive track record and potential for high profitability

Leverage

Benefits from insights of the expert selection and advisory team

Easy Management

No time consuming management of portfolios

Contact our Relationship Manager
TAILOR-MADE PRODUCTS

Customize products based on your market outlook and specific needs across equities, bonds, gold and more.

For investors looking to enhance portfolio yield based on market views.

OVERVIEW

Enhanced Earnings

Structures with potential to enhance portfolio yield based on market movements

Customization

Product features can be designed to articulate investor views

Fees

A flat and transparent fee structure like nowhere else

One-Click Access

A single feature ‘Ideas’ enables you to access recently launched and trending market opportunities

Contact our Relationship Manager
BUILD YOUR OWN KRISTAL

Can’t find what you are looking for? Create your own exclusive investment strategy with risk management & periodic reporting.

For seasoned investors who prefer to design their own portfolio.

OVERVIEW

Empowered Investing

Enables clients to create their own custom portfolio based on their unique needs

Unlimited Choice

Access to all possible exchange traded assets

Flexible Management

Flexibility in delegating the portfolio management role to us or actively taking up the day to day investment decisions, in your custom Kristal

Custom Fee Structure

A simple, transparent and a customized fee structure

Access to Expertise

Custom performance reporting as well as advisory support

Contact our Relationship Manager