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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)

X

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.

X

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

Unbound Investing

Unbound Investing.

Inspired by the global you.
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Start investing the way you want to.

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OWN A PIECE OF GLOBAL COMPANIES

Invest in Amazon, Apple, Facebook and other companies you love.

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INVEST FOR FREE UPTO USD 50,000*

No advisory fees.
No brokerage fees.
No performance fees.

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GOAL-BASED PORTFOLIO DESIGN

Invest for early retirement, vacation abroad or college.

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GET STARTED IN TWO MINUTES

Sign up, complete your KYC details, and start investing.

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BANK LEVEL SECURITY

Encrypted database & two-factor authentication ensure transactions are highly secure.

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TECHNOLOGY POWERED BY EXPERIENCE

Our intelligent algorithm and Investment Committee, builds and manages your portfolio.

dbs is our trust account.saxo is our custodian.

BUILT FOR THE MODERN INVESTOR

Presenting a whole new equity investing experience for the retail investor. Pick from our AI-driven ETF recommendations, and be a part of the best global brands and their growth stories. No brokerage. No product push. Zero-cost investing up to USD 50,000*.

WATCH VIDEO

Presenting a whole new equity investing experience for the retail investor. Pick from our AI-driven ETF recommendations, and be a part of the best global brands and their growth stories. No brokerage. No product push. Zero-cost investing up to USD 50,000.

WATCH VIDEO

ETF INVESTING - A COMPREHENSIVE GUIDE

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Understanding ETF Types

As an investor, you must select the funds that suit your investment goals the most, in order to make the most out of your investment...

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Low Cost Global ETFs

An Exchange Traded Fund (ETF) is essentially a marketable security that tracks different types of stocks, bonds, commodities or even...

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Hedging with ETFs

In our last article, we gave you complete details on how you can invest in international stocks to hedge the depreciating rupee. There is another tool...

Get a comprehensive understanding of the complete ETF universe with our Investing 101 series.

Become an expert with sharper insights.

READ MORE

HOW WE WORK

knowyou

WE GET TO KNOW YOU

First, we ask you a few simple questions about your financial goals and risk appetite.

portfolio

WE DESIGN YOUR PORTFOLIO

Next, we create, monitor, and automatically rebalance your portfolio as per market trends.

hardwork

OUR AI WORKS HARD FOR YOU

Last but not least, we keep your wealth hygiene in check, 24/7, 365.

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THE KRISTAL.AI ADVANTAGE

1
MULTI-CURRENCY ACCOUNT

Define your preferred account currency before your first funding. You can fund your account in any currency and convert into your account currency at a very competitive rate (0.05% from Market Rate provided by our partner Broker, Saxo Capital).

1
MULTI-CURRENCY ACCOUNT

We accept money in multiple currencies and do a Forex conversion at a very competitive rate (at 5bps and no other fees).

2
SYSTEMATIC INVESTING

A compelling portfolio management system using quantitative models.

2
SYSTEMATIC INVESTING

A compelling portfolio management system using quantitative models.

3
NO SEPARATE BROKING ACCOUNT NEEDED

You can start investing in global ETFs right from your Kristal.AI account.

3
NO SEPARATE BROKING ACCOUNT NEEDED

You can start investing in global ETFs right from your Kristal.AI account.

AN INVESTING PLATFORM YOU CAN TRUST

license

MAS Regulated with a CMS License

support

24/7 customer support via chatbot, email and phone

penalties

No exit penalties and no lock-in period

countries

Customers spread across 22+ countries

gateway

Gateway to 2000+ ETFs across the globe

HAVE QUESTIONS?

We are here to help. Just ping us on WhatsApp.

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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.