Kristal.AI Reviews and Comparison - Seedly
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Kristal.AI

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Robo-Advisors/Kristal.AI
Robo-Advisors/Kristal.AI
4.5
61 reviews
claimed

Claimed

This product is managed by Kristal.AI.

USER RATINGS

User Experience

4.4

Ease of Sign up

4.8

Customer Support

4.7

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

Kristal AI Robo Advisor Review 2020: Is Kristal the Robo-Advisor For You?

  • Minimum Investment: $0, recommends $5,000 USD
  • Management Fees: 0.30% (excluding custody and asset operation fees)
  • Platform Fees: $0
  • Methodology: Curated ETFs, goal-based financial planning and customised portfolios by AI-based advisory
  • Investment Portfolios available: Curated ETFs
  • Utilises AI and human experience to provide unbiased and personalised advice for goal-oriented investing
  • Compared to other robo advisors, Kristal offers slightly more freedom for customisation, allowing more flexibility to invest in what you're more comfortable with.
Read More about Kristal.AI
Reviews (61)

4.5

61 Reviews

  • 5
    38
  • 4
    17
  • 3
    5
  • 2
    1
  • 1
    0

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Most HelpfulMost RecentLow to HighHigh to Low
  • Updated 4w ago

    Purchased

    Kristal.AI

    Onboarding was easy, and appreciate personally quite like the ETFs available on the platform. Hoping for great returns!

    0

    Post
  • Updated 4w ago

    Purchased

    Kristal.AI

    Love the fee structure, maximises my profits and the customer service is great! The new UI has also improved significantly which I appreciate :)

    0

    Post
  • Updated 4w ago

    Purchased

    Kristal.AI

    Loved the customer support, who made onboarding super easy! They are super friendly too and are so willing to answer any queries that you might have. Will definitely recommend Kristal to my friends and family! Hoping to see great returns 🙂

    0

    Post
  • Updated 4w ago

    Purchased

    Kristal.AI

    [User Experience] [Customer Support] [Onboarding Experience] [Waiting Time] [Investment Method] As a first time user, Kristal.AI made the onboarding process seamless together with their real time customer support. Tremendous amount of reading resources. 101 on investing for dummies 😁 UI was easy to navigate and understand.

    0

    Post
  • Updated 4w ago

    Purchased

    Kristal.AI

    Kristal.AI allows you to purchase various ETF of your own choice, giving you the flexibility to customise your own portfolio unlike other robo-advisors. If you do not know what ETF to purchase, there is a digital advisor that will recommend the ETFs based on your capital and risk appetite. There is also Kristal Portfolio that you can purchase if you just want to buy in and forget, as it will adjust based on the current market.

    0

    Post
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Benefits and Features of Kristal

  • Minimum Investment: $0, recommends $5,000 USD
  • While the minimum investment might be $0, it depends on the products traded.
  • Fees: 0.30% excluding custody and asset operation fees
  • Platform Fees: $0
  • Kristal does not charge fees for Investors with under US$50,000 invested, and only starts charging a 0.3% management fee on your account when the value increases to more than US$50,000
  • Kristal is an AI-powered Digital Wealth Management Platform backed with human experience
  • Kristal offers a curated basket of diverse portfolios, carefully selected by their Investment Committee with a cumulative 120+ years of experience in international markets
  • No requirement of minimum investment amount is attractive for many users
  • Many Seedly reviewers also noted great user-friendliness and seamless registration of the Kristal platform, as well as good customer service from Kristal personnel.

Kristal Portfolios

While there's the flexibility to personalize your portfolio, Kristal also offers 8 sets of pre-made portfolio strategies:

  1. All-Weather Kristal - based on Ray Dalio's all-weather strategy, this portfolio mixes ETFs of Fixed Income, Equity and Commodity
  2. Katalyst Kristal - investments in low-cost popular growing sectors like tech, healthcare on top of diversification in emerging markets, and US treasuries.
  3. Sight Kristal - Investment in sectors with potential for disruption e.g. cybersecurity, genome research.
  4. Global Technology ETF Kristal - low-cost exposure to the technology sector via ETFs that have been characterized by solid risk-adjusted returns
  5. Carry ++ Kristal - deploys about 50% - 70% of its AUM in USD-denominated fixed income, and the rest to broad rate, credit, equity, and volatility indices. (For accredited investors only)
  6. LevB Kristal - Leveraged bond funds (for accredited investors only)
  7. Guru Index Kristal - tracks the portfolios of the best investors out there from Munger to Buffet and Bezos, comprises of value-investment equities for long term capital appreciation. (For accredited investors only)
  8. ELON Kristal - For those with a high-risk appetite, this portfolio constitutes of Government bonds and high-grade liquid bonds. (For accredited investors only)

How Does Kristal Work?

  • Kristal will get to know you, to understand your financial goals and risk appetite
  • Next, they will design, create, monitor, and automatically rebalance your
  • portfolio as per market trends
  • It helps you invest with AI technology, backed with human experience, to
  • provide consistent returns at your level of comfort.
  • Using their GAIAA (Genetic Algorithm-based Iterative Asset Allocation), they will aid your asset selection and keep your portfolio's health in check.

Fees and Charges for Kristal

  • Zero fees up to USD$50,000 (ETFs and Strategies consisting of ETFs only).
  • Amount above USD$ 50,000: 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.
  • No minimum investment (depends on the smallest Kristal which would be a single ETF around USD 15), but they recommend a minimum of USD$ 5,000
  • Kristal does charge Custody & Asset operating fees, as well as withdrawal fees for USD

About Kristal

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. 

Contact Kristal

Visit Kristal's website for more information

Address: Kristal Advisors, 50-03, AXA Tower, 8 Shenton Way, Singapore 068811

Tel: +65 8511 9486

Operations

MAS Capital Markets Services License (CMS100614)