Our fees explained

Like all investment funds, MoreHarvest has operational costs. We keep fees low to maximise your dividend income. We charge a flat 1% annual maintenance fee with no performance fees.

Account Opening Fee

$100 one-time payment

This covers:

• Know Your Customer (KYC) verification
• Account creation and setup
• Initial document processing
• Investor onboarding

You pay this once when you make your first investment. There are no additional setup fees for future investments.

Annual Maintenance Fee

1% of your total investment value per year

This fee covers:

Property operations:

• Maintenance and repairs
• Communal area utilities
• Property management services
• Tenant relations and leasing

Fund administration:

• Monthly NAV calculations
• Financial reporting and audits
• Regulatory compliance (MAS, CIMA)
• Legal and accounting services

Technology and investor services:

• App development and maintenance
• ISO27001 security compliance
• Customer support
• Document management

How it's deducted: The management fee is taken from rental income before dividends are distributed to you. You don't pay this separately; it's reflected in your dividend amount.

To view the current fee: In the app: Select your fund → Expense ratio

Bank Transfer fee

Variable cost per transaction

When you receive dividends or proceeds from share sales, bank transfer fees apply. The fee amount depends on:

• Your bank's incoming wire transfer charges
• The receiving country
• Currency conversion (if applicable)

Typical fee range: $10-30 per transfer

These fees are deducted from your payment total. We don't mark up bank fees; you pay only what the banks charge us.

How to minimise transfer fees: Control when you receive dividends to reduce the number of transfers.

In the app: Profile → Payout settings → Set minimum dividend amount

Default setting: $100 minimum

Once your accumulated dividends reach your minimum threshold, we'll process the payment on the next payout date.

Exit Fees

Matured shares (held for 1+ year): No exit fees. You pay only the bank transfer fee when you sell.

Early exit (sold within 1 year): If you sell shares before they mature, we deduct the annual management fee that would have applied for that year. This is the same 1% rate.

Example:

• You invest $100,000
• You sell after 6 months
• We deduct: 1% management fee ($1,000) + bank transfer fee
• You receive: Current NAV value - $1,000 - bank transfer fee

You also forfeit all dividends if you sell before the 1-year maturation period. Learn how to sell shares.

No Hidden Fees

We don't charge:

• Performance fees (common in equity and property funds)
• Brokerage commissions
• Redemption fees (after 1-year maturity)
• Annual account maintenance fees
• Document access fees
• Advisory fees

Fee Comparison

Here's how our fees compare to typical property investment options:

*Competitor fees may vary.

Fee Transparency

You can view all fees at any time:

In the app:

• Current expense ratio: Fund overview → Expense ratio
• Historical fees deducted: Dividend history / Transaction history

Monthly eStatements:

• Total management fees collected
• Operating expenses covered
• Fee percentage of total assets