Kilde Singapore is a firm that operates as a debt investment platform seeking to link investors with private loan options. This enables investments in various projects and fosters accessibility in the region.
The Monetary Authority of Singapore has formally given Kilde permission to carry out securities-related transactions.
Because it satisfies certain exemption requirements under Singapore’s regulatory framework, it is not necessary to seek a separate financial adviser license from MAS.
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Some of the facts might change from the time of writing, and nothing written here is formal advice. So, potential investors shouldn’t invest or decide not to invest based on this Kilde Singapore review alone.
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What is Kilde Pte Ltd?
The SG investment platform kicked off in 2019 with aims to link authorized investors, family offices, and private credit agreements.
Previously, it raised US$450,000 in a pre-seed fundraising round that was backed by Startupbootcamp Dubai and funded by Purple Ventures.
Kilde Investment
Kilde’s area of expertise is senior secured loans from end-stage lending firms with robust management and financial backing.
Investors can expect monthly interest payments for investments that usually last between 3 and 36 months. The investment tranches that its offers are in US dollar (USD), Singapore dollar (SGD), and Euro.
Investment prospects offered by Kilde allow investors to take their money back at the original amount before the investment’s maturity date without facing fines.
Investors can access their money sooner if necessary thanks to this feature, which also allows them greater freedom in how they manage their investments.
So far, not a single investment has fallen short of its promised repayment.
Investments in the private debt sector sometimes incur higher default risks, so this is a feat.
The platform simplifies investing by providing pre-vetted agreements that avoid the customary drawn-out due diligence procedures.
Investors may monitor trades and payment timings with an easy-to-use dashboard that helps them manage their holdings.
Kilde Singapore Minimums and Returns
The minimum initial investment required to purchase debentures is $100.
Debenture investors may receive a yearly profit of up to 15% on their investment.
How to Invest with Kilde
As part of the registration process, prospective investors must confirm whether they are accredited or institutional investors.
This includes offering supporting paperwork, such as proof of financial assets or income statements.
Investors have two options for selecting debentures: they can do so manually or utilize the Auto-Invest feature, which automatically purchases debentures according to their specified criteria, such as nations, interest rates, and chosen periods.
The system will use those selections to inform subsequent purchases after it is configured. Your portfolios can be updated, paused, or deleted at any moment through the Auto-Invest settings.
You will keep any debentures you have already bought in your account until they mature.
If you have sufficient cash available, you can still use the Auto-Invest option to execute manual investments.
Kilde Singapore Requirements
Accredited investors need:
- Identification: Passport or ID card.
- Proof of address from the last three months: as shown in a copy of internet, mobile, or utility bill, bank statement with address, lease contract
- Proof of wealth or income: Tax returns or paychecks, insurance certificates, business registration, land or property registry, bank, investment, or financial statements
Kilde SG Fees
Kilde’s lack of transaction fees is one of its main advantages, as it can significantly reduce the startup expenses for investors.
There is a 0.5% yearly management charge for assets over $100,000. A 1% annual administration fee is assessed for smaller amounts.
Institutional investors who contribute more than $5 million are not charged any fees.
The Auto Invest tool is free.
Pros and cons of Kilde Platform
Certain customers have commended the support staff for their promptness and assistance. Also, investors have observed that coupon payments are consistently made on schedule.
So far, since its 2019 launch, the platform’s default rate has remained at zero. This demonstrates a sound credit risk assessment procedure and effective loan monitoring.
Users have expressed satisfaction with the platform’s design and usability as well.
Kilde Singapore, however, only takes institutional and accredited investors at this time, which restricts access for ordinary retail investors.
Despite the low default rate, the investment is quite risky.
Although Kilde provides investors with appealing private debt investment options, there might be other lower-risk alternative asset platforms that can provide more diversification and inflation protection.
Before deciding, investors would want to look into alternative choices.
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Adam is an internationally recognised author on financial matters with over 827million answer views on Quora, a widely sold book on Amazon, and a contributor on Forbes.
