Kristal.AI Reviews and Comparison - Seedly
 

Kristal.AI

  • Overview
  • Reviews (24)
  • Questions (8)
  • More Details
Robo-Advisors/Kristal.AI
Robo-Advisors/Kristal.AI
Kristal.AI
4.6
24 reviews

USER RATINGS

User Experience

4.4

Ease of Sign up

4.8

Customer Support

4.8
Robo-Advisors/Kristal.AI
Kristal.AI
4.6
24 reviews

USER RATINGS

Read reviews

User Experience

4.4

Ease of Sign up

4.8

Customer Support

4.8

Kristal.AI

0% to 0.3% p.a.
PRICING
$100
MINIMUM INVESTMENT
Web and Mobile App
PLATFORMS

    Kristal.AI

    0% to 0.3% p.a.
    PRICING
    $100
    MINIMUM INVESTMENT
    Web and Mobile App
    PLATFORMS

Details

Operations

MAS Capital Markets Services License (CMS100614)

Methodology

Proprietary Kristal.AI algorithm - GAIAA: Genetic Algorithm-based Iterative Asset Allocation

Read More about Kristal.AI
Reviews (24)

4.6

24 Reviews

  • 5
    16
  • 4
    7
  • 3
    1
  • 2
    0
  • 1
    0

Read Review About...

customer support

lowest fee

highly recommended

onboarding experience

excelent customer

invest etfs

user experience

choose etf

great platform

easy friendly

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  • Updated 4w ago

    Purchased

    Kristal.AI

    Best of all is the first USD50K has no management fee. No trading costs. After that amount, the management fee is 0.3%, and no trading or other costs, still the lowest among roboadvisors I come across. A wide variety of customized products or plain vanilla ETFs to choose from. Very responsive customer service
    0 comments
    0
  • Posted on 07 Nov 2019

    Purchased

    Kristal.AI

    Great platform and great team. Appreciate the regular succinct market updates. The app is user friendly and easy to understand
    0 comments
    0
  • Posted on 06 Nov 2019

    Purchased

    Kristal.AI

    Very cool interface and easy to use. Help to ease off my burden of monitoring stocks on a daily basis
    0 comments
    0
  • Posted on 06 Nov 2019

    Purchased

    Kristal.AI

    Easy platform to buy ETFs with $0 commission fees. You can choose to buy their in house etf solutions too. However, do note that the minimum amount is usually more than the 10 USD as stated on the website. You have to buy at least a minimum of 1 units of the etf
    0 comments
    1
  • Posted on 06 Nov 2019

    Purchased

    Kristal.AI

    [Customer Support] Prompt and supportive! [User Experience] Could be better. App not as user friendly. Dashboard has not much information. Some tabs overlap. [Onboarding Experience] Easy sign up. Easy transfer. Easy investment.
    0 comments
    1
Questions (8)

Recent Activity

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Recent ActivityUnansweredTrending

Investments

Kristal.AI

Hi! The All Weather portfolio is a diversified portfolio, which provides stable returns throughout the economic cycle. Systematic investments in an All Weather portfolio is a good option because the benefits of diversification are always present. The more you invest in it, the larger the amount of your capital will be protected against market conditions. However, the disadvantage here is that having an extremely small amount is not advisable because a number of asset classes have to be combined to create the portfolio, and it may not be feasible with too little capital. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Kristal.AI

Investments

Family

Retirement

For this strategy, you would be investing into different asset class. Small amount is not so ideal because it will not have much impact on your portfolio. I personally think a 30k is a good start.

Kristal.AI

Investments

Hi! Gold and other commodities are an integral part of the All Weather strategy. These assets have a negative correlation with other investments like equities and bonds, which in turn provides diversification benefits in the portfolio. This combination of assets in the All Weather portfolio will then be able to provide stable returns throughout the economic cycle. Asset allocation in a typical All Weather portfolio is as follows: - 55% Fixed income (10% inflation-linked treasuries, 30% long duration bonds, 15% 3-7yr duration bonds) - 30% Equity (Broad US market ETF, e.g. S&P 500, total stock market ETF, etc) - 15% Commodities (Gold, and/or broad commodity tracking ETF) You can also explore two variants of the strategy, All Weather - Aggressive and the All Weather - Unleveraged for different risk appetites on the Kristal.AI platform. The aggressive version is only available to accredited investors due to the complexity of underlying assets. Hope this is helpful! Happy investing!

AutoWealth

StashAway

Kristal.AI

Robo-Advisors

Stocks Discussion

Investments

There's no real reason to diversify in this fashion since the robos are already diversified, and since their investment strategies are not alike, its also not fair to dump in 3K each and do a comparison. Instead, decide if Robo is something suitable for you in the first place, and then find the Robo service that you prefer. But key point to note is that you must be prepared to go in for at least 3 years or more. And in the short term, you can expect to see losses due to volatility. Just because you handed your investments over to a Robo does not guarantee you'll make money.

Investments

Bank Account

Kristal.AI

Hi! You can definitely open an investment account with Kristal.AI. It's actually free of charge up to an investment amount of USD 50,000. The only fee you will incur is a transfer charge of 0.05% over the FX rate. Our Private Wealth account is only for accredited investors and here you need to fulfil any one of the following conditions : 1. Earnings of over SGD 300,000 per year 2. SGD 1 million in liquid assets. Hope you find this helpful!

Investments

Robo-Advisors

Kristal.AI

Hi! Glad to have you on our platform. The rebalancing of portfolios is a subjective question and will depend upon the Kristals that you choose to invest in. Some Kristals (actively managed) will be rebalanced more frequently than others (passively managed). However, the Investment Committee is constantly on the lookout for changes in the market scenario and will initiate a rebalancing should the need arise. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Investments

Robo-Advisors

Kristal.AI

Had face-to-face with Edward, Kristal staff below. As part of customer onboarding, a Kristal staff member reached out via WhatsApp and I noted issues needed some manual handling. Coincidentally (?) got assigned Edward to look after the case quite independently of this review. Good produtive meeting - the issues I raised (difficulties around customer risk assesment) seem to be quite common amongst new customers and Edward noted they were being reviewed and intended to be fixed going forward. He was also personally help and would look into my particular queries and work with his internal teams for a fix as well. Overall - good attention to getting the customer experience right and will be having a further look after Edward does his thing. Original review answer below: They aren't filling me with confidence right now. Their KYC via app a bit broken. Couldn't change fields so inputs wonky. Result also feels very off from question replies. When asked for help, got a WhatsApp but wanted a talk to a real person. Got told the physical RM would email me with time. They didn't end up reaching out. If this is the front end, the backend when they have my money is concerning...

Investments

General

Kristal.AI

Bryan C.
Bryan C.
Level 3. Wonderkid
Answered on 11 Oct 2019
My experience with Kristal.AI is that it provides both Human & Robo investment support. You are able to get REITS and global ETFS on Kristal.AI. The biggest plus point for Kristal.AI is that there is 0% sales charge for ordinary investors! You can visit their website and head to the FAQ, i think that it is more comprehensive there https://solutions.kristal.ai/seedlypost

About Kristal

Kristal.AI strives to make investments possible and personal for everyone. Whether you have 20 dollars or 1 million.
Founded by Asheesh Chanda and Vineeth Narasimhan in 2016, what started as an ambitious idea sketched out on a black-board, is now present and thriving in three countries. 
Today Kristal.AI is operational in Singapore, Hong Kong & India and has clients across Asia, Middle East, and the Americas, committed to providing the best investment strategies to our investors and building a community of portfolio managers, affiliated partners, and investors. Our diverse team of financial advisors, researchers, and market experts takes a unique yet holistic approach to our clients’ needs and works hard to achieve their goals. 
Additionally, we are the humble recipient of numerous accolades, awards, and recognition across the three countries. Our goal is to get only better and offer you a service that is truly a unique blend of continuous innovation and financial expertise. 
Today, we are more than a tech platform or a financial advisor. We are the ones who bring the ‘intelligence’ into intelligent investing.

Method of Investing for Kristal

No minimum investment (depends on the smallest Kristal which would be a single ETF around USD 15)

Minimum Investment and Fees for Kristal

Zero fees up to USD 50k under management in our Kristal Investment Account (ETFs and Strategies consisting of ETFs only). Amount above USD 50k = management fee of 0.3% p.a.
For Private Wealth clients investing in strategies consisting of other instruments than ETFs = management fee of 0.5% p.a.