Becoming an Accredited Investor (AI) opens the doors to sophisticated products and solutions not typically available to retail investors.
Why qualify as an Accredited Investor with Independent Reserve?
Accredited Investors are generally considered financially sophisticated and capable of safeguarding their own interests, including by assessing risks independently. As a result, they are subject to fewer regulatory protections and safeguards than retail clients, but are granted access to certain products and services that are not available to retail clients.
In recognition of their financial sophistication and risk assessment capacity, Accredited Investors are afforded greater flexibility and enhanced access. In return, they enjoy:
| Feature | Accredited Investor (AI) |
| Exclusive access to sophisticated products and opportunities | Enjoy priority access to a broader range of sophisticated products and opportunities not typically available to retail investors, supporting more dynamic investment strategies. |
| Priority access to private events | Exclusive invitations to private events, offering direct access to industry leaders, market insights, and curated networking opportunities. |
| Tailored trading experience | Receive differentiated service tailored to their investment profile, whether you require greater flexibility or enhanced access. |
| Higher limits and expanded capabilities | Higher limits and broader functionality, such as leverage trading*, to support more advanced investment needs.
*For Corporate AIs only |
Am I eligible to be an Accredited Investor?
You may qualify as an Individual or Corporate Accredited Investor. Only one of the following criteria needs to be satisfied for Individual Accredited Investors:
- Net personal assets exceeding S$2 million (or equivalent in foreign currency)
- Financial assets (net of related liabilities) exceeding S$1 million
- Income of at least S$300,000 in the preceding 12 months
To qualify as a Corporate Accredited Investor, a company must meet one of the following criteria:
- Company net assets exceeding S$10 million, as verified by:
- The most recent audited balance sheet, or
- A certified balance sheet dated within the past 12 months.
OR
- Accredited Investor shareholders: If the company does not meet the net asset requirement, its entire shareholding must be owned by individuals who are Accredited Investors or by entities that are Accredited Investors themselves.
If you are unsure whether you qualify, our team can help clarify the requirements.
How to qualify as an Accredited Investor
The process is straightforward and designed to be efficient:
Express your interest
Fill up and submit this form, and our team will reach out via your Independent Reserve account.
Provide supporting documentation
Depending on which criterion you meet, you may need to provide documents such as:
If qualifying based on assets:
- Bank statements (dated within 3 months)
- CDP, custody or share financing statements
- Unit trust holdings statements
- Funds under management statements
- Insurance policy surrender value statements
- Property title deeds and valuation reports
If qualifying based on income:
- Latest income tax assessment
- Payslips or bank statements reflecting salary credits for the past 12 months
Review and confirmation
Our team will review your submission. Once approved, you will be formally treated as an Accredited Investor.
Understanding the risks
By accessing Digital Payment Token (DPT) services with us as an Accredited Investor, you consent to being treated as an Accredited Investor under the Guidelines on Consumer Protection Measures by Digital Payment Token Service Providers. In doing so, you agree to forgo certain regulatory safeguards applicable to retail clients, including the protections relating to the “consent provisions” for the relevant accounts for which you have elected to be treated as an Accredited Investor.
As an AI:
- You may not receive certain regulatory safeguards afforded to retail investors
- Certain disclosure requirements may differ
- You are deemed to possess the capacity to assess risks independently
It is important to carefully consider whether an AI status is appropriate for your financial circumstances.
If your financial situation changes and you no longer qualify, Independent Reserve may adjust your account status accordingly.
Frequently asked questions
How long does the review process take?
Processing times may vary depending on the completeness of the documentation submitted.
Will my documents be kept confidential?
Yes. All documentation is handled in accordance with our privacy and compliance obligations.
How long does my Accredited Investor status last?
In Singapore, Accredited Investor status is generally valid for 12 months. We conduct an annual review to reconfirm your eligibility. You may be required to submit updated documents, particularly if your status was based on income or financial assets that may fluctuate. If your financial circumstances change, your status may not be renewed.
The information above is not exhaustive and is provided to help you make an informed decision on whether to opt to be treated as an Accredited Investor with us. It does not set out all the risks involved. You should carefully consider the risks and consequences of such treatment in light of your own experience, investment objectives, financial resources and personal circumstances.
