Compare robo-advisors
We compare Chloe by 8 Securities, Aqumon and Kristal.ai to help you pick the best one.

Comparison: Human Advisor vs Robo-Advisor

Traditional Human Advisor
Robot Advisor
Min. Investment Threshold
Min. Investment Threshold
Depends but generally quite high
As low as HKD 1,000
Fees
Fees
2% or above
Below 1%
Portfolio Creation
Portfolio Creation
Any investment product
Mainly global ETFs
Service Hours
Service Hours
Depends on their working hours
24/7
Investment Decision Factors
Investment Decision Factors
Data, experience, mood, market sentiment, etc
Consistent data-driven methodology
Target Audience
Target Audience
People with high capital who may need more complex portfolios
Passive investors with less time or money, who want investing to be as simple as possible

Robo-Advisors: How do they stack up

Chloe by 8 Securities

Best for:
Beginner investors who only have a small amount to start with
Basic Info.
Pros & Cons
  • Minimum Investment Amount:HKD 1,000
  • Fees:Free for accounts with less than HKD 8,888, and 0.88% fee annually on amount invested above that
  • Portfolio Creation:HK ETFs only
  • Account Opening:100% online but you need to open a 8 Securities account first
  • Pros
  • Low entry fees and can create a diversified portfolio with a small amount of money
  • Easy to open an account if you already have an existing 8 Securities account
  • Clear and simple interface, perfect for beginners
  • Cons
  • Portfolio is managed by a 3rd party
  • Only HK ETFs are available which can charge higher fees
  • Past performance is not publicly available

Kristal.ai

Best for:
Investors who want some guidance but prefer more control over their portfolio
Basic Info.
Pros & Cons
  • Minimum Investment Amount:HKD 1,000
  • Fees:Free for accounts with less than HKD 400,000.
  • Portfolio Creation:HK and US ETFs
  • Account Opening:100% online
  • Pros
  • Start investing with a small amount of money
  • The entire application process is online
  • All ETFs on the platform are curated by an experienced team
  • Very flexible portfolio creation - you can choose what you want or don't want
  • Uses US ETFs which charge lower fees
  • Cons
  • The recommended minimum is HKD 10,000 in order to get a fully diversified portfolio
  • Complicated interface which may be hard to use for beginner investors

Aqumon

Best for:
People who have enough cash and want to be completely hands-off
Basic Info.
Pros & Cons
  • Minimum Investment Amount:HKD 40,000
  • Fees:0.8% fee annually on amount invested
  • Portfolio Creation:HK and US ETFs
  • Account Opening:100% online
  • Pros
  • High transparency and very clear display of past investment performance
  • All ETFs in the portfolio are carefully analyzed and selected
  • Easy to use app. Even if you have no accounts, the app has useful information on how to start investing
  • Uses US ETFs which charge lower fees
  • Cons
  • Minimum investment amount is higher than that of other robo-advisors
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