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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.

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Kristal.AI | Digital-First Private Wealth

Your Own Private (Un)Bank

Enabling personalised Private Wealth experiences by leveraging latest in Technology and dedicated Relationship Management.

Invest in a well-diversified multi-asset portfolio. Choose from an array of thematic baskets, global bond portfolios, Investment Guru trackers, Alternative Investments, or customized solutions based on your risk profile and market views.

Learn More

Unbiased & Personalized Advisory

Our advisors will review your portfolio and use a rule-based investment approach supported by AI-based algorithms to determine ideal asset allocation & create tailor-made portfolios.

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Build Your Own Strategy

Investors can build their own multi-asset strategy (called Kristal) with the help of our analysts, and the quant algorithms and advisory tools on offer.

Fully-Discretionary Mandates

Compliance-approved mandates by over 20 major law and accounting firms and banks in Singapore and Hong Kong.

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Our Clients Share Their Journey

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Long-time investors Jelena and Renze Elzinga talk about their journey with Kristal.AI

“I trust Kristal.AI because it is transparent about its fees, its investments and it also advises me on how I should best invest my money based on my objectives (long term growth).”

Amit Gupta

“The platform allows me to straddle strategies across various asset classes including bonds, equity and more. Love the ease, control and freedom.”

Amol Nabar

“I made a good return in a year's time. I would strongly recommend Kristal to anyone who is looking for the best financial advice in the market.”

Nitin Kumar Gupta

Our Core Values

  • arrow Personalization
  • Personalization

    Choose and allocate from over 200+ funds with help from your Relationship Manager and Advisors.

    Tailor-made investments structured to suit individual client needs.

    Enhance yields on stocks, bonds, and gold. Manage exposure via customized derivatives and options.

    Know More

  • arrow Trust
  • Trust

    Track history of all funds publicly on our website.

    Transparent pricing across all offerings.

    Assets held in DBS (Trustee Bank) and Saxo or Interactive Broker (or broker-custodians).

  • arrow Care
  • Care

    Dedicated Relationship Manager for every Private Wealth client.

    Proactive digital and Relationship Manager-led management.

    Algorithm-based monitoring to keep your portfolio on track.

    Know More

  • arrow Sustainable Investing
  • Sustainable Investing

    Portfolios made with institutional rule-based investing with high-quality assets, and ongoing risk monitoring.

    Expert internal and third-party fund managers, vetted and reviewed by our Investment committee.

    Future-proof pricing model - Reasonable, transparent & aligned with customer's growth.

    Know More

Personalization

Choose and allocate from over 200+ funds with help from your Relationship Manager and Advisors.

Tailor-made investments structured to suit individual client needs.

Enhance yields on stocks, bonds, and gold. Manage exposure via customized derivatives and options.

Know More

Trust

Track history of all funds publicly on our website.

Transparent pricing across all offerings.

Assets held in DBS (Trustee Bank) and Saxo or Interactive Broker (or broker-custodians).

Care

Dedicated Relationship Manager for every Private Wealth client.

Proactive digital and Relationship Manager-led management.

Algorithm-based monitoring to keep your portfolio on track.

Know More

Sustainable Investing

Portfolios made with institutional rule-based investing with high-quality assets, and ongoing risk monitoring.

Expert internal and third-party fund managers, vetted and reviewed by our Investment committee.

Future-proof pricing model - Reasonable, transparent & aligned with customer's growth.

Know More

Our Investment Committee

The Kristal.AI Investment Committee is a team of professional financial experts who combine extensive expertise in investment markets, economics, risk analysis, and asset management to deliver guidance and insight for the benefit of Private Wealth clients. With an average of nearly 30 years of working experience in big institutional banks, they collectively bring a wealth of insight to help investors stay abreast of current conditions and future opportunities.

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Asheesh
Asheesh Chanda
CEO & Founder

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Thomas
Thomas Meichl
Head of Advisory

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Vivek
Vivek Mohindra
Co-Founder & Responsible Officer

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Swapnil
Swapnil Mishra
Head of Private Wealth

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Kristal Spotlight

WEBINARS & PODCASTS

Online webinars and sessions on global market trends

MEDIA

Awards, recognitions and media bytes for our platform

NEW TO INVESTING

Investing tips and tricks from our experts

INSIGHTS

Market opinions from our advisors and analysts

Frequently Asked Questions

Find Out More

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You’re now visiting Kristal.AI Worldwide.
To explore diverse offerings in Indian and global products, select India as your country.

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India

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Hong Kong

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Singapore

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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.