SG Retail Client Service Guide - Digital-First Private Wealth - January 2021 - Kristal.AI
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January 2021 SG Retail Client Service Guide Digital-First Private Wealth
Contents
3 Company Info .................... Our Story
Why Kristal.AI
6 Fee Structure ..................... Kristal Freedom Account
Kristal Private Wealth
8 Account Opening ............... Sign-up & KYC
Risk Profiling
13 Account Funding
Disclaimer
The information contained herein is only for informational purposes and are subject
to risks. The information should not be construed as any form of advice relating to
tax, legal, financials, business or any matter and should obtain their own independent
advice. The information is provided on ‘as is’ basis and Kristal.AI or its affiliates, does
not make any representation, undertaking, warranty, guarantee, or other assurance
as to the timelines, completeness, correctness, reliability, or accuracy of the
materials and data herein. The information contained should not be construed as an
offer to sell, purchase securities and/or to provide services by Kristal.AI or its
affiliates. Any such transaction shall be subject to a contractual understanding,
necessary documentation, applicable laws, approvals and regulations. Kristal.AI and
its affiliates accept no liability or responsibility whatsoever for any direct or
consequential loss and/or damages arising out of or in relation to any use of
opinions, forecasts, materials and data contained herein or otherwise arising in
connection therewith.
2 Client Service Guide
01 Client Service Guide Company Information
Company Information
Our Story
Founded by Asheesh Chanda and Vineeth Narasimhan in 2016, what started as an ambitious
idea sketched out on a blackboard, is now present and thriving in three countries. Kristal.AI is
operational in India, Singapore, and Hong Kong, and has clients across Asia, Middle East, and
the United States, committed to providing the best investment strategies to our investors and
building a community of portfolio managers, affiliated partners, and investors.
Market Growth
20,000+ 20+ USD 1B+ USD 150M+
users countries transactions AUM as of
advised 07/2020
Our diverse team of; financial advisors, researchers and market experts; takes a unique and
holistic approach to our clients' needs and word to achieve their goals. Additionally, we are the
humble recipient of numerous accolades, awards, and recognition across the three countries.
Our goal is to only get better and offer you a service that is truly a unique and personalized blend
of continuous innovation and financial expertise.
Investment Committee
Asheesh Chanda Thomas Meichl Vivek Mohindra Swapnil Mishra
Founder & CEO Head of Advisory Co-Founder & Head of Private Wealth
Responsible Officer
Why Kristal.AI
Kristal.AI is an AI-powered Digital-First Private Wealth platform, built for the new-age investor.
Kristal.AI not only enables exposure to global investment opportunities but also provides you with
the expertise of our advisory team supported by AI-based algorithms, enabling you to realize your
investment dreams. For the past four years, we have developed our platform to make investing
personalized, convenient, and affordable for everyone.
4 Client Service Guide
Company Information
At Kristal.AI, your needs come first. We work hard and ensure our clients are at the center of
everything we do; by offering a personalized and smart approach to wealth management. Our
Advisory Algorithm and professional investment committee considers your goals and risk appetite
to suggest you the most suitable investment options.
In the traditional banking system, only the privileged few were privy to personalized services. Only
they had the liberty to invest in global markets and stocks. But today, everyone aspires to be a
global citizen. They want access to opportunities across the world.
Kristal.AI uses technology to bring the world closer to these new-age global investors. Since our
launch in 2016, we have built one of the smartest wealth management platforms in Asia with
personalization, simplicity, and affordability as its core USPs. Our platform has no minimum
investment limits for an investor to get started. It is personalized to meet the unique needs of
every individual investor.
Proprietary
genetic
algorithm
ce
rien
pe
Ex
Investment
Committee
Tactical
investment
120+
years
Ph
ilo
so
Investing
ph
y
with
Kristal.AI
Market May favor
patterns & emerging
Historical markets
simulations over US
Equity
Carefully- Hint of
considered market May favor
approach timing small-caps
over large-caps
May increase
individual asset
allocation
Kristal.AI Investment Philosophy
Client Service Guide 5
02 Client Service Guide Fee Structure
Fee Structure
Kristal Freedom Account
A/C Processing: FX Conversion:
NIL Up to 0.20% from Market Rate
(Market Rate available to Kristal.AI is that provided
A/C Maintenance: by broker).
NIL
Funds Deposit:
Custody & Asset Operating Fee: SGD, HKD - NIL
Custody Fees - NIL USD - up to USD 25
Brokerage Charges- AUD, EUR, GBP - up to USD 250
a) US$1 + taxes per trade for US-listed ETFs.
b) At Actuals for non-US-listed assets. Funds Withdrawal:
Other Charges - At Actuals, charged directly to the SGD, HKD - NIL
Account by the Broker (Saxo Capital Markets). USD - up to USD 250
Monthly Management Fee:
No fees for investment up to USD 10,000.
0.3% p.a. management fees will be charged for incremental
Assets Under Management (AUM) over USD 10,000.
Remarks:
Custody & Asset Operating Fee
- Every Systematic Investment Plan (SIP) initiation is considered as 1 buy
- If AUM is greater than USD 10,000, the fee will be charged by the broker (Saxo Capital Markets)
Monthly Management Fee
- If AUM is greater than USD 10,000: the fee will be charged directly to the account by the broker (Saxo Capital Markets)
Kristal Private Wealth
A/C Processing: FX Conversion:
NIL Up to 0.20% from Market Rate
(Market Rate available to Kristal.AI is that provided
A/C Maintenance: by broker).
NIL
Funds Deposit:
Custody & Asset Operating Fee: SGD, HKD - NIL
Custody fees - NIL USD - up to USD 25
Brokerage Charges - AUD, EUR, GBP - up to USD 250
a) US$1 + taxes per trade for US- listed ETFs/ Stocks.
b) At Actuals for non-US-listed assets. Funds Withdrawal:
Other Charges - At Actuals, charged directly to the Account SGD, HKD - NIL
by the Broker (i.e. Saxo Capital and/or Interactive Brokers). USD - up to USD 250
Monthly Management Fee:
As per the relevant Fund Kristal Fact Sheet.
Remarks:
Monthly Management Fee
- If value of Fixed Income assets is greater 80% of AUM, up to 0.20% p.a. of A/C value will be charged
- If value of Fixed Income assets is equal to or less than 80% of AUM, up to 0.30% p.a. of A/C value will be charged
- If Derivative products are used, up to 1.00% p.a. of A/C value will be charged
Client Service Guide 7
03 Client Service Guide Account Opening
Account Opening
Sign-up & KYC
Head over to
1 www.kristal.ai and
click 'Sign Up'
Click 'Sign Up as
2 Retail' and agree
with the terms
Sign up for an
3 account
4 Start KYC
5 Complete your KYC
For Singaporeans and
PR, you may use MyInfo
to have your information
automatically filled
Otherwise, kindly fill in
your details manually
Client Service Guide 9
Account Opening
6 SingPass MyInfo
Fill in your wealth
7 details accordingly
Review and accept
8 fees
Signing of
10 Agreements
1. Read through the
agreement
2. Check the boxes
3. Enter your name in
the 'Signature' field
You have completed your KYC
10 Client Service GuideAccount Opening
Risk Profiling
11 Update risk profile
Fill in your details
accordingly
If you are satisfied with the
profile allocated, you may
close the popup
If you are dissatisfied, may
you click 'REASSESS'
12 Accept risk profile
For Singaporeans and PR,
you may use MyInfo to
have your information
automatically filled
Otherwise, kindly fill in your
details manually
Client Service Guide 11Account Opening
Scroll down and
13 verify your mobile
number
Verify your mobile
14 number, the OTP is
sent to your email
You have completed your account setup
12 Client Service Guide04 Client Service Guide Account Funding
Account Funding
Funding Your Account
Create a fund
15 transfer request
Tap on 'Add Funds' to
transfer funds into your
Kristal Account
Select the action to be
taken and the account for
fund transfer. Then click
'NEXT'
Fill in the necessary
details accurately.
14 Client Service GuideAccount Funding
Funding Your Account
Process the funds
16 transfer
Via PayNow:
Login to your bank app and
scan the QR Code to pay
(Note: Do not use PayLah)
OR
Via MEPS/FAST:
Alternatively, you may
transfer using interbank
payments
Bank Name:
DBS Bank Ltd
SWIFT Code:
DBSSSGSG
Bank Address:
12 Marina Boulevard, DBS
Asia Central, Marina Bay
Financial Centre Tower 3,
Singapore 018982
Beneficiary / Payee
Account:
KRISTAL ADVISORS (SG)
PTE. LTD. CLIENT
Account Number:
0720048610
Address of Beneficiary:
AXA Tower, 8 Shenton Way,
50-03, Singapore-068811
Comments for beneficiary:
(Mention your Cash Request
ID)
Important
1. This payment has to be
made from a bank account
in which the account
holder’s name matches
exactly with Kristal.AI
account holder’s name.
2. We cannot process third-
party payments.
Client Service Guide 15Account Funding
Wait for the request
17 to be processed
Upon completion, click
'Close'. The amount will be
reflected in 2-3 business
days
You have completed funding your account
16 Client Service GuideFor more information, please contact us on Whatsapp at +65 8511 9486 or email to support@kristal.ai. Follow us on LinkedIn, Instagram, Facebook and Twitter to receive the latest Kristal.AI content and regular market updates. Visit www.kristal.ai and complete your KYC today to get access to exclusive webinars and more. © Kristal Advisors (SG) Pte. Ltd. 2021. All rights reserved.
Client Service Guide Get in touch with your Kristal relationship managers for support.
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