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?

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​​​

StashAway is very convenient and user-friendly. If you want a regular (monthly) investment that can be fully automated without monitoring, this can be your choice. Allocation tends to be of higher weightage in the US. If you are not beliver of the US economy, then you might want to avoid. Fees tend to be on the higher side.

kristal.Ai, for now, is not as user-friendly. The platform allows you to choose the fund you want to invest in, as opposed to other roboadvisors where there is an allocation designed for you. This can be good for those who have an idea of what they want. They do not offer fractional investing, this means that 1 unit of the fund can vary month to month. Also, the exchange rate is not specified, so it can be a bit troublesome figuring how much to transfer over. However, one of the main selling point is that it has 0% fees for the first $50,000.