Hi, is anyone able to explain to me the difference between investing in S&P 500 on FSMone and on Kristal.AI?

With kristal.AI Your fees will not be 0.00 SGD, even below 50.000 SGD total funds.

The ETFs they use have 'inherent' fees (TER - total expense ratio).

However when they offer ETF investing that sounds fair at least.

But You could self-invest with 0.00 USD commission fees by opening up

a TD Ameritrade or Charles Schwab brokerage account in the USA,

buying U.S. ETFs there. (any dividends then however will be taxed with 30%,

but only the dividends, not Your capital appreciation = returns by selling)​​​

Hi there,

You can use either platform to invest in S&P 500, but Kristal offers the advantage that you pay zero fees on the first $ 50,000 invested.

Kristal also provides you with investment advice via its propietary algorithm within minuets to create a personilized investment portfolio. Which is designed sepicifically to meet your investment requirements and investor profile.

On top of that, Kristal offers more than 200 carefully created and managed investment strategies to help you build your portfolio.

Hope this helps,

Cynthia