How does Kristal.AI fare compared to SCB and IBKR for international ETFs in terms of cost efficiency for young investors with small capital?

For US ETFs on kristal.ai, you should note that the withholding tax rate is 30%, which applies to your dividends. If you use SCB or IBKR, you can opt to get Irish-domiciled US ETFs on the LSE, which only have a withholding tax rate of 15%.

If you are investing into an ETF with high dividend yield, the cost of taxes may exceed the savings made from not paying fees. Do make the necessary calculations to determine which option may be better for you.

Hello! Given your situation, I think kristal suits your profile with an investment of 10 grand. Many people advocate IBKR and SCB because these two players have been in the industry for many years.