Yes, you can edit, deactivate and delete strategies at any time via the Auto-Invest settings. Investments made to date with Auto-Invest will remain unaffected.
Yes, you can still invest your funds manually using the Auto-Invest tool as long as you have enough funds available.
Auto-Invest is a free tool provided by the platform to help promote diversification, saving you valuable time and effort in managing your investments.
KILDE investments:
- Outperform traditional fixed-income investments
- Provide regular stable income with opportunities to exit
- Are backed by real recoverable assets
- Provide peace of mind for you as an investor because KILDE holds a Singapore Capital Market Services (CMS) licence
The unique combination of strong performance, income stability, liquidity, and lower risk makes KILDE investments stand out.
Here’s a deeper look at our approach, with a comparison to other available products in the market:
Performance
- KILDE offers 11%–15% annualised returns with steady monthly or quarterly payouts—balancing performance with income stability.
- Bank Deposits & Bonds yield 1%–6% annually with lower risk, but limited growth.
- Stocks may deliver higher returns but are volatile and subject to market and economic swings.
- Cryptocurrency is highly unpredictable, with sharp price swings and no asset-backed security.
Capital Protection
- KILDE prioritizes risk mitigation: in the event of a default, our investors are first in line to receive repayment. Our senior-secured debentures, backed by the loan portfolios of borrowers, are typically supported by 1.6 times the value of the investment, providing a cushion against potential losses.
- Do note that capital is not guaranteed.
Regular stable income
- Whereas most investment products rely on capital appreciation i.e. growth of value over time, KILDE gives investors consistent monthly or quarterly cash income - ideal for investors looking for regular income payouts.
Early Withdrawal Capability
- Most KILDE investments offer early withdrawal options every 3-6 months, providing greater liquidity compared to traditional private credit funds. Please review the early withdrawal schedule for each investment to understand the available options.
Backed by Cash Collateral
- Backed by Cash Collateral
- KILDE has maintained a 0% default rate since 2021, owing to our rigorous credit screening and continuous financial monitoring.
- While High-Yield Bonds and P2P Lending offer similar returns, they lack the structured collateral protections provided by KILDE, potentially exposing investors to default risks.
- Crypto and speculative investments carry significant downside risks, with no underlying security or asset backing.
Regulatory oversight & investor protection
- Unlike unregulated private offerings, KILDE operates under Singapore’s Capital Market Services (CMS) and Financial Advisory (FAA) licence, ensuring compliance with strict financial regulations
Withholding tax refers to the tax deducted at source on certain payments made to non-residents of Singapore. It is designed to ensure that non-residents fulfill their tax obligations on Singapore-sourced income.
In Singapore, entities such as KILDE are legally required to withhold a portion of payments made to non-residents and remit it directly to the Inland Revenue Authority of Singapore (IRAS). The withholding tax rate varies depending on factors such as the recipient's country of residence and the existence of a tax treaty between Singapore and that country.
For KILDE investors, withholding tax may apply to interest payments from Singapore-based entities, though not all deals are subject to this tax.
Yes. Kilde supports joint accounts for investors who wish to include their spouse, partner, or family member in the ownership of their investment account.
No, withholding tax does not apply to payments made to residents of Singapore.
- The primary account holder must be an Accredited Investor
- The joint account holder does not need to be an Accredited Investor but must agree to be treated as such. We recommend joining the account with a spouse or other family member
- The joint account holder must still complete KYC identity verification