An accredited investor is an individual: Net personal assets (a) whose net personal assets exceed in value S$2 million (or its equivalent in a foreign currency). An individual’s primary residence can only account for up to S$1 million of the individual’s net personal assets, or the amount after deducting any credit facility secured by the primary residence, whichever is lower; or Net financial assets (b) whose financial assets (net of any related liabilities) exceed in value S$1 million (or its equivalent in a foreign currency); or Net income (c) whose income in the preceding 12 months is not less than S$300,000 (or its equivalent in a foreign currency).

Examples of the acceptable documents for the different AI criteria are as follow: (a) Net personal assets – Residential Property (Document date within 12 months) 1. Title Deed of the Property 2. Valuation Report or Sales & Purchase Agreement 3. Latest mortgage statement or, in any case, not older than 12 months – Life Policy (Within 3 months) – Bank Statement (Within 3 months) – Brokerage Statement (Within 3 months) (b) Net financial assets – Life Policy (Within 3 months) – Bank Statement (Within 3 months) – Brokerage Statement (Within 3 months) (c) Net income – Letter of confirmation from Applicant’s employer indicating the annual pay and employment (Within 3 months) – Preceding year pay slips (Within 3 months) – Income Tax Statement (Within 12 months) *The above documents can be uploaded via the App, under the “Accredited Investor Declaration (合格投资者证明文件)” section.*

Currently Lu-Global supports account opening for clients from all countries except non-AI(non-Accredited Investors) Singaporean, US residents. For Chinese citizens (excluding TW/HK/MA residents), you’re required to provide valid ID, passport, proof of residency, non-mainland China bank account. In certain circumstances, you may be required to provide proof of income or other supporting documents. For customers from non-mainland China, you’re required to provide passport, proof of residency, non-mainland China bank account. In certain circumstances, you may be required to provide proof of income or other supporting documents.

The typical income documents would be your salary slips, investment income documents (such as property lease or property sale documents), pension, etc.

Yes, we are allowed to serve clients residing in Singapore who have met the requirements of Accredited Investors. An accredited investor is an individual: Net personal assets (a) whose net personal assets exceed in value S$2 million (or its equivalent in a foreign currency). An individual’s primary residence can only account for up to S$1 million of the individual’s net personal assets, or the amount after deducting any credit facility secured by the primary residence, whichever is lower; or Net financial assets (b) whose financial assets (net of any related liabilities) exceed in value S$1 million (or its equivalent in a foreign currency); or Net income (c) whose income in the preceding 12 months is not less than S$300,000 (or its equivalent in a foreign currency).

If your account is successfully opened with all required documents provided, the limit for account top-up is USD3million. You can check your top-up limit in the Account page.

If this is your first top up, please refer to following steps: Step 1, Check the balance of account limit Step 2, Select your sources of funds Step 3, Transfer money from your bank account with Lu Global. If this is not your first top up, please skip Step 2.

There are five levels of investor’s risk rating, namely Conservative, Prudent, Balanced, Growth, and Aggressive. Your investor risk rating depends on your inputs in the KYC assessment. An investor can take up to three KYC assessments within one calendar year. The KYC assessment is compulsory prior to your first investment made through the Lu-Global App.

When the product risk level is one level above your investor’s risk rating and you would like to invest into the product (for example, Conservative investor with risk rating C1 who wants to invest in R2 products.), the system will remind you that the risk ratings do not match. If you would still like to invest and confirm to proceed with the investment, the investment will be processed after your confirmation. If product risk level is two levels above the investor’s risk rating (for example, Conservative investor with risk rating C1 who wants to invest in R3 products.), the system will remind you to re-assess your investor’s risk profile. If not, your request will not be processed.

Please refer to the product documents for more details.

Yes, we have two custodian banks that hold the investments for safekeeping to minimise risk of theft or loss.

You can change your log-in password on the App. (Account-Settings-Password Management)

You can change your mobile number on the APP. (Account – Profile Image – Mobile Number).

Lu Global is the online wealth management platform operated by Lu International (Singapore) Financial Asset Exchange Pte Ltd (Co. Reg No 201702479G). We are a member of the Ping An Group, as well as a related entity of Shanghai Lujiazui International Financial Asset Exchange Co., Ltd (“Lufax”), which operates China’s leading online wealth management platform Lu.Com

Lu Global is a mobile investment and wealth management platform operated out of Singapore. We offer 24/7 online access to a wide range of high quality investments. We offer investors the opportunity to invest easily with small investment amounts, and with low commitment. Our customers have the ability to invest with maximum flexibility while still being able to benefit from superior returns.

We leverage and tap on the expertise and experience accumulated by Ping An Group and Lufax, both market leaders in the fields of Financial Technology (FinTech) and wealth management. Through Ping An and Lufax, we are able to constantly bring key innovations to the Lu Global platform.