What is the main advantage your robo-advisor/investing method has over your competitors? (Not taking into account the robo-advisor fees)?

Hi Anon!

I work at kristal.AI, and my mojo is to help people make the right financial decisions.
Thank you for asking this interesting question.

At kristal.AI, we provide two kinds of services: Our digital solution is ideal for retail investors or investors who want to start with smaller investment amounts by using our investment algorithm. We also offer a private wealth platform, comparable to a digital private bank and which gives accredited investors a broad choice of Kristals and open-ended pooled strategies as well as external funds and hedge funds, full portfolio management, and advisory services. 

As wealth advisors, we take into account the individual investor's profile and preferences, and that is where our strength is.

We have negotiated exceptional brokerage fees and commissions with our partner brokers that allow a minimal trading cost. But as a weakness, we are not a brokerage platform. So if you are looking for day trading or short term, high-frequency trading, our solution is not built out for this. Generally, if you are using our digital platform for up to $ 50,000 in assets, the account is currently free of charge. Above $ 50k the management fee is 0.3% for amounts exceeding 50,000.

Most of our Kristals have no additional management fee except for the expense ratios charged by the ETFs that are part of the Kristal.

We do also give clients the choice to either pick and choose from a wide range of Kristals what they want to invest in, or they can also use our proprietary investment algorithm to allocate their capital.
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1. Investment Strategy

AutoWealth adopts a market returns investment approach unlike many robo advisors which adopt an active discretionary investment approach. This means whilst others attempt to time markets and switch allocations, AutoWealth prefers to stay discipline and emphasize on asset allocation and diversification to manage risk and generate superior returns.

Our investment performance is updated at the close of every quarter and we publish this on our website https://www.autowealth.sg/strategy.php

Whilst we remain confident we can continue to deliver superior investment results, we note that other roboadvisors have not been as transparent as we are in publishing their actual investment performance.

2. Safeguards

Every client's assets and monies are held in personal segregated custody account in client's own legal name and for his/her legal ownership at our independent partnering custodian. Unlike other roboadvisors, you will not share units of ETFs, nor have unclear ownership. We believe this safeguard is important as its your hard earned savings and wealth.