Cynthia Jasmin - Seedly
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Cynthia Jasmin

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Cynthia Jasmin

  • Answers (55)
  • Questions (0)
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Investments

Kristal.AI

How does one get a personalised advice from Kristal.AI?
CJ
Cynthia Jasmin
Level 6. Master
Answered 4w ago
Hi there, You can get advice from Kristal's proprietary Advisory algorithm. This is activated once your account is enabled for investment / approved. You can Get Advice as many times as you wish, by simply going to the Explore section after you login, selecting Get Investment Advice and providing some basic inputs. It is also important to pay attention on your 'All weather portfolio' to ensure your asset allocations. Here is the link on all weather portfolio on Kristal https://www.youtube.com/watch?v=DMkaLNMVpQ Hope this helps, Cynthia
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Investments

Retirement

Robo-Advisors

Savings

Stocks Discussion

How should I invest in my situation?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 05 May 2020
Hi there, there is no such thing as late to the game, welcome aboard! If youa re considering robo-advisor, maybe you can check out Kristal.AI. Basically, Kristal.AI offers a digitally-enhanced wealth management platform that allows its customers to invest in global and diversified strategies. These strategies are created using a bionic approach; using a combination of AI-powered asset curation and human expertise. Kristal caters to a wide spectrum of investors ,from the mass affluent section which would like access to global products in a DIY, on-the-go fashion, and the accredited investor who wants personalised advisory services for wealth management. Investors can get started with us with the ‘Kristal Investment Account’ which is FREE for investments up to $50,000 and allows investors access to curated global ETFs. Kristal provides you with both investment strategy and personalized investment advice. Kristal will advise you through Propietary Advisory Algorithm. You can get advice as many times as you wish. It is understandable that people tend to be more selective on making their investment during this turbulent period, however Kristal will provides its customer with an 'All Weather Portfolio' it’s a portoflio that sees you through the market ups and downs through all sorts of market environments such as inflation, deflation, rising economic growth nd declining economic growth. It’s a safer bet during uncertain times. The All Weather Kristal asset allocation is 55% short and long term bonds, 30% equity and 15% commodities. The main goal here is to keep your assets safe. Here is the link on all weather portfolio on Kristal https://www.youtube.com/watch?v=DMkaLNMVpQ and the link to Kristal's review: https://seedly.sg/reviews/robo-advisors/kristal-ai I wish you luck! Cynthia
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Robo-Advisors

Investments

SeedlyTV S2E04

Would like to ask which robo-advisor platform is better? As this is my first time investing and currently I just start working. Planning to do monthly $100 investment but I have no clue which platform?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 05 May 2020
Hi there, these days there are plenty of robo advisors to cater your financial goals. However, if you'd like to start small with very minimum start up fees you can check Kristal.AI. Not only Kristal.AI is user friendly, there is no fees for your first $50,000 investment which makes Kristal.AI a great choice for an investment platform, t here are no hidden fees or catches! On top of that, Kristal.AI allows you to build a personalised portfolio. you can use the free algorithm feature to get investment advice on asset allocation , and to have a portfolio which fits your profile and suits your goals. Here's the link to Krista.AI's review https://seedly.sg/reviews/robo-advisors/kristal-ai Hope this helps, Cynthia
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Kristal.AI

Robo-Advisors

Anyone has experience on how to get started with Kristal's SIP program?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 03 May 2020
Hi there, first of all welcome aboard! here's are the easy steps to get you started: 1. Select the ETF or Kristal you want to create SIP for 2. Press the “Invest Now” button 3. Select “order type” as “SIP” from the dropdown 4. Now, enter the number of units you want to invest in – this would also show your approximate monthly investment amount 5. Select the date you want to invest each month and the SIP expiration date 6. Enter the maximum monthly investment limit 7. Click the “Place Order” button 8. Your SIP is successfully placed. Hope this helps, Cynthia
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Robo-Advisors

Investments

Learned StashAway some time back and came to know Kristal AI recently. Both are interesting especially after reading the reviews in Seedly. What are the advantage(s) and disadvantage(s) for the two?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 30 Apr 2020
Hi there, i totally agree with you! Each of them have their own unique selling points and strenghths which i'm sure will catered different customers. It really depends on what are your obejectives and your personal preference. Kristal is known for their zero fees for your first $50,000 investments. This is in my opinion is very cost effective on top of that they offer their investors access to curated global ETFs. Kristal provides you with both investment strategy and personalized investment advice. Kristal will advise you through Propietary Advisory Algorithm. You can get advice as many times as you wish which of course will come in very handy for investors. Hope this help, Cynthia
👍 1

Robo-Advisors

Kristal.AI

Investments

Anyone knows how much does Kristal.AI charge for currency conversion?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 30 Apr 2020
Hi there, Kristal.AI does not impoise any extra charges for currency conversion. All conversions in the Customers Kristal.AI account are executed at a very competitive spread of 0.05% from the Market Rate. The Market Rate is the rate provided to Kristal.AI by the underlying broker (Saxo Capital Markets & Interactive Brokers). for more information please visit https://kristal.ai/faqs/ Hope this helps, Cynthia
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Kristal.AI

Investments

S&P 500 Index

SeedlyTV S2E04

Thoughts on buying CSPX on Kristal AI? What are the pros and cons?
CJ
Cynthia Jasmin
Level 6. Master
Updated on 29 Apr 2020
Hi there, firstly, welcome aboard!! Hope you enjoy your journey with Kristal.AI! Secondly, The CSPX is a UCITS and there are minimum fees and charges imposed on us by the brokers and exchanges on which these UCITS trade. These are much higher than instruments traded on the US Exchange. Kristal.AI is absorbing these fees for the clients, because we want to offer the low cost structure we currently have (zero fees for the first $50K invested)! Lastly, we don’t have a referral promotion running. But you’re absolutely right –zero fees is already an amazing offering, don’t you think?! 😊 We offer the referral link option nevertheless so that it’s easier for our users to spread the word – and we see that a lot of users make use of it to refer us to their friends. Hope this helps, Cynthia
👍 1

Investments

Robo-Advisors

SeedlyTV S2E04

Which robo-advisor would you recommend for SIP and why?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 29 Apr 2020
Hi there, the first thing you need to determine is your goal and your timeline. There are of course different options in the market but then again, it all depends on your investment goal. However, i joined Kristal.AI SIP program. I can only share that my experience has been great. You can easily navigate SIP (systematic investment plan) on the investment product you wish to invest monthly in. Just select 'Buy' and the option will be offered to you. If you would like to reinvest in a certain product monthly, you can select Systematic Investment Plan e.g. in Vanguard VTI 'Buy'. Then, when adding in your budget, do allow a 10% - 20% buffer in event the NAV goes up. Kristal.AI is not a GIRO, so you will need to ensure funds are in your bank before date of trade execution. E.g. Execute trade on 4th. You need to set up standing instructions on 2nd. For example, if an ETF is USD 40 and the SIP is set for USD 100, we will buy 2 units of the ETF. If the ETF goes up to USD 60, they will only buy 1 unit of the ETF and so on. Hope this explanation helps you to see how simple it is with Kristal.AI. Cynthia
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COVID-19

Investments

Savings

DBS digiPortfolio

DBS Multiplier Account

I am working for around a yr and is using the Multiplier account to grow my money. Looking towards investments to grow my money - Digiportfolio or Invest Saver or keep all in Multiplier account?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 28 Apr 2020
Hi there, it’s great that you’re planning ahead for marriage and BTO. However, you should be focusing on both short term and long- term savings. As somebody already mentioned, a great way to take advantage of current market conditions is to invest in ETFs. I’d recommend a platform called Kristal.AI because it has zero fees for your first $50K (a deal you won’t find on any other platforms) and you get global access to a wide range of ETFs. They also have an algorithm you can use to get personalized investment recommendations so you don’t have to worry about timing the market. You can also look up their SIP program which allows you to invest smaller in longer period of time with bigger benefits compare to Lump Sump investment. Here's the link to Kristal.AI's review https://seedly.sg/reviews/robo-advisors/kristal-ai Hope this helps, Cynthia
👍 1

Investments

Stocks Discussion

Kristal.AI

Is there IWDA in Kristal AI?
CJ
Cynthia Jasmin
Level 6. Master
Answered on 28 Apr 2020
Hi there, IWDA, you can search for 'Blackrock World UCITS ETF' and EIMI 'Blackrock Emerging Markets ETF' or 'Vanguard Emerging Markets ETF'. So you can either re- state it or let it be. Hope this helps, Cynthia
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