The best investment platform in Singapore depends on how you want to invest. Robo-advisors like Syfe, Endowus, and StashAway suit investors who want a managed portfolio — you deposit money and they do the rest. Stock brokers like IBKR and moomoo suit investors who pick their own ETFs or shares. FSMOne is ideal for CPF investors and unit trust buyers. This guide compares fees, features, and best-for scenarios across every major platform in 2026.

Not financial advice. All figures are for educational reference only. Data verified as at September 2026.

What Is an Investment Platform?

An investment platform is a digital service that lets you buy, hold, and monitor investments from your phone or computer. You fund an account, choose what to invest in, and the platform handles the custody, settlement, and reporting.

In Singapore, all platforms must hold a Capital Markets Services (CMS) licence from the Monetary Authority of Singapore (MAS). This means your assets are held in segregated custodian accounts, not on the platform’s balance sheet. If the platform closes, your investments remain yours.

Fees matter more than most investors realise. A 0.3% difference in annual fees on a $100,000 portfolio costs $300 per year — and compounded over 20 years at 7% returns, that difference grows to over $12,000 in lost wealth. Choosing the right platform is one of the highest-return decisions you can make.

Types of Investment Platforms in Singapore

There are three main types of platforms available to Singapore investors:

1. Robo-advisors — You answer a risk questionnaire, deposit money, and the platform automatically builds and rebalances a diversified portfolio of ETFs or funds for you. You pay an annual management fee (typically 0.2%–0.8% of assets). No stock-picking required. Best for: investors who want a set-and-forget approach.

2. Stock brokers — You decide exactly what to buy: individual stocks, ETFs, REITs, or bonds. The broker executes your trade and holds the assets. You pay a commission per trade (flat fee or percentage of trade value). Best for: investors who want full control and are comfortable researching their own investments.

3. Multi-asset platforms — A hybrid offering that includes unit trusts, ETFs, bonds, and sometimes a brokerage service under one roof. Best for: investors who want access to a wider product range including actively managed funds via CPF or SRS.

Most Singapore investors use at least two platforms — a robo-advisor for their core portfolio and a broker for occasional ETF purchases. Understanding the fee structure of each helps you avoid paying more than you need to.

Best Robo-Advisors in Singapore

Syfe

Syfe is one of Singapore’s most popular robo-advisors, offering managed portfolios across equities, REITs, and income-focused strategies. Its tiered pricing rewards you as your portfolio grows — the more you invest, the lower your percentage fee.

Syfe also offers a brokerage service (Syfe Trade) with zero commission on US stocks and ETFs. For Singapore-listed stocks and ETFs, the charge is 0.060% of trade value (minimum S$1.98), which undercuts most traditional brokers for smaller trades.

Syfe’s SRS portfolio option and support for regular investment plans make it suitable for long-term retirement investors. Use our Syfe referral code and sign-up bonus (code: SRPRFFFCD) to get a welcome cashback when you sign up.

Endowus

Endowus is Singapore’s first digital advisor for CPF, SRS, and cash savings. It stands out for two reasons: it gives you access to institutional-class funds at lower expense ratios, and it rebates 100% of trailer fees back to you — something most platforms keep for themselves.

For CPF and SRS investors, Endowus charges a flat 0.40% per year for advised multi-fund portfolios and 0.30% for single-fund portfolios. This is a flat rate regardless of portfolio size, making it particularly competitive for larger CPF and SRS balances. Cash investors pay a tiered 0.60% for the first S$200,000, stepping down to 0.50% above that.

If you’re investing your CPF or SRS and want to beat the default interest rate, Endowus is the platform built specifically for this. See our Endowus referral code (code: 2V343) for a bonus on your first investment.

You can also use our Singapore retirement calculator to model how different fee structures affect your CPF investment growth over time.

StashAway

StashAway uses a proprietary Economic Regime-based Asset Allocation (ERAA) framework to build globally diversified portfolios. Its management fee scales down progressively as your portfolio grows — from 0.8% p.a. on the first S$25,000, down to 0.2% p.a. on amounts above S$1,000,000.

StashAway also offers a cash management product (Simple and Simple Plus) at approximately 0.15%–0.2% p.a. net fee, and ETF Explorer — a self-directed ETF investing tool at just US$1 per buy/sell order. For investors who want a robo-advisor but occasionally want to pick their own ETFs, StashAway’s combined offering is compelling.

Robo-Advisor Fee Comparison

Source: syfe.com/pricing, endowus.com/pricing, stashaway.sg/pricing — verified September 2026. Blended rates are approximate. CPF = CPF OA/SA investing. Check official sites for the latest rates.

Best Stock Brokers in Singapore

If you want to buy ETFs or stocks yourself — rather than having a robo-advisor manage them — you need a brokerage account. Singapore has several options, from global platforms like Interactive Brokers to local-flavoured apps like moomoo.

Interactive Brokers (IBKR)

IBKR is the preferred choice for serious DIY investors. It offers access to stocks and ETFs on major global exchanges — including the London Stock Exchange (LSE), where Singapore investors buy UCITS ETFs like CSPX and VWRA to avoid US estate tax.

IBKR’s commissions are among the lowest in the market. For Singapore-listed stocks, it charges approximately 0.05% of trade value (minimum SGD 2.50). For LSE-listed ETFs (GBP), the tiered rate starts at roughly USD 1.70 minimum per trade. There is no platform fee. The IBKR platform is more complex than consumer apps, but the cost savings compound significantly for regular investors.

Use referral code jianxiong368 when signing up via our guide to track your referral. Note: IBKR referral credits apply per their current promotion terms — check the IBKR website for details.

moomoo

moomoo is popular among newer Singapore investors for its clean interface and frequent promotions. US stock trades often come with a commission-free new-user offer. For SGX-listed stocks, it charges 0.05% of trade value (minimum S$0.99 per trade).

moomoo’s in-app research tools — including real-time Level 2 data, earnings calendars, and analyst ratings — are strong for an app targeted at retail investors. It’s a good starting point if you’re new to self-directed investing but want more functionality than a robo-advisor offers.

Source: official broker websites — commission rates are subject to change. Always verify current rates before trading.

Multi-Asset Platforms: FSMOne

FSMOne (Fundsupermart) is Singapore’s oldest online fund platform, offering unit trusts, ETFs, bonds, CPF-linked investments, and Regular Savings Plans (RSPs) under one account.

Its key differentiator: 0% CPF platform fee for CPF OA and SA investments. That means if you’re investing your CPF via FSMOne, you pay no platform charge — just the fund’s own expense ratio. For SRS and cash investments in non-fixed-income funds up to S$300,000, FSMOne charges 0.35% per year.

FSMOne also allows you to invest in hundreds of unit trusts at 0% sales charge, making it one of the cheapest ways to access actively managed funds. For CPF investors who want more fund options than CPFIS typically provides through a single bank, FSMOne is worth a look.

Our FSMOne referral code (P0544985) may qualify you for a new-account promotion — check their current offer when signing up.

Full Platform Comparison Table

Source: official platform websites — verified September 2026. Always check current rates before investing.

Which Investment Platform Is Best for You?

There is no single best platform — the right choice depends on your investing style, the source of funds you’re using, and how much you’re investing.

If you want a managed, hands-off portfolio and are investing cash: start with Syfe (Blue tier, no minimum) or StashAway. Both let you begin with as little as S$1. As your portfolio grows past S$50,000, Syfe’s Black tier (0.55%) becomes competitive with StashAway’s blended rate.

If you’re investing CPF or SRS money: Endowus is the strongest choice. It was built specifically for this use case, gives you access to institutional fund classes, and charges a flat 0.40% regardless of how large your CPF balance grows. That flat-rate structure saves a meaningful amount compared to tiered robo-advisors for larger balances.

If you want to buy ETFs yourself: Syfe Brokerage offers the simplest entry point — $0 commission on US-listed ETFs. However, for UCITS ETFs on the LSE (the tax-efficient choice for SG investors), IBKR typically offers the lowest all-in cost once you include the FX spread. If you’re using IBKR for LSE ETFs, pair it with a CPF investment strategy for the CPF portion of your portfolio.

If you’re building a stream of passive income Singapore through dividends: consider Syfe REIT+ (via Syfe managed portfolios) or buy individual Singapore REITs through a broker. REITs distribute income quarterly, making them popular for income-focused investors.

If you want CPF unit trust access: FSMOne gives you the widest fund range at 0% CPF platform fee. Use our FSMOne referral code (P0544985) when opening an account.

A common approach among experienced Singapore investors: use Endowus for CPF and SRS, Syfe or StashAway for monthly cash savings, and IBKR for occasional ETF purchases on the LSE. This three-platform setup optimises cost at each funding source without overcomplicating things.

Final Thoughts

Singapore’s investment platform landscape in 2026 is genuinely competitive — fees are low, products are diverse, and most platforms offer a solid user experience. The key is matching the platform to your actual investing behaviour, not just chasing the lowest fee in isolation.

If you do nothing else after reading this guide: open an Endowus account for your CPF and SRS money, and a Syfe or moomoo account for your cash investments. That combination covers the majority of what most Singapore investors need.

Use our Singapore retirement calculator to see how platform fee differences compound into real SGD differences over your investing horizon.

Data verified as at September 2026. TKN may earn a referral fee if you sign up via links on this page. This does not affect the editorial recommendation. Always read the platform’s terms and verify current fees on their official website before investing.