Best Investment App Singapore (2026): Complete Comparison Guide

Robo-advisors, stock brokerages and fund platforms — compared by fees, features and who each suits best.

The best investment app in Singapore depends on what you want to do. For CPF or SRS investing, Endowus is the go-to choice. For a fully managed portfolio with flexible risk levels, Syfe or StashAway work well. For active stock trading at low cost, moomoo and IBKR are hard to beat. This guide compares seven leading platforms across fees, features, minimum investment and who each one suits best in 2026.

Not financial advice. All figures are for educational reference only. Data verified against official platform websites as at September 2026 unless noted.

Table of Contents

Quick Comparison: All 7 Apps at a Glance

Not all investment apps work the same way. Some invest for you automatically (robo-advisors). Others give you a trading platform to buy stocks and ETFs yourself (brokerages). And some do both. Here’s how the main players stack up.

Source: Official platform pricing pages, September 2026. Fees are annual management fees for robo-advisors; per-trade commissions for brokerages.

Robo-Advisors: Let the App Manage Your Money

Robo-advisors build and manage a diversified portfolio for you — automatically rebalancing and reinvesting. You don’t need to pick stocks or time the market. Just set your risk level, fund your account, and let the algorithm do the work.

For most Singaporeans who want a simple, disciplined way to grow money over 5–20 years, a robo-advisor is the right starting point. Here’s how the three main options compare.

Endowus

Endowus is the only robo-advisor in Singapore licensed to accept CPF Ordinary Account (OA) investments. This is a big deal — it means you can put your CPF OA savings (currently earning 2.5% floor rate) to work in a globally diversified fund portfolio that targets higher long-term returns.

It also accepts SRS funds and regular cash. You can use your Endowus referral code (TKN code: 2V343) to get fee rebates when you sign up.

Endowus works by channelling your money into institutional-share-class unit trusts, and rebates 100% of trailer fees back to you. The annual advisory fee is flat-rate: 0.40% for Cash accounts, and 0.30% for CPF and SRS portfolios (as at July 2026 per official pricing page). This makes it one of the most cost-competitive options for CPF investing.

Minimum investment is S$1,000. The app is clean and beginner-friendly. You can also invest via the CPF investment strategy through a single dashboard.

Best for: CPF OA investors, SRS investors, those who want an all-in-one robo with institutional funds.

Syfe

Syfe is the most versatile robo-advisor in Singapore. It offers managed portfolios (Core, REIT+, Income+, Thematic) plus a brokerage for direct stock and ETF trading. You get everything from a single app.

Managed portfolio fees are tiered by total assets across all Syfe products:

• Blue (no minimum): 0.65% p.a.
• Black (S$50,000+): 0.55% p.a.
• Gold (S$250,000+): 0.45% p.a.
• Platinum (S$1M+): 0.35% p.a.
• Diamond (S$5M+): 0.25% p.a.

Source: syfe.com/pricing, as of 1 January 2026.

Syfe’s brokerage offers unlimited free US stock trades for all tiers — a standout feature for ETF investors who want to buy CSPX or VWRA on the London Stock Exchange. SGX (Singapore) stocks cost 0.060% per trade (min S$1.98) at the Blue tier, dropping to 0.040% at the Gold tier.

Syfe accepts SRS funds for managed portfolios. Use the Syfe referral code and sign-up bonus (code: SRPRFFFCD) to get fee waivers when you sign up.

Best for: Investors who want a managed portfolio AND a low-cost brokerage in one app. REIT+ is popular for those targeting Singapore REIT exposure.

StashAway

StashAway was one of Singapore’s first robo-advisors and remains a solid option for beginners. There’s no minimum investment — you can start with as little as S$1. The fee structure is tiered by your total investment amount.

On top of the management fee, ETFs inside the portfolios carry an average expense ratio of around 0.2% p.a. That’s a total cost of about 1.0% p.a. for smaller balances — slightly higher than Syfe or Endowus for comparable amounts.

StashAway also accepts SRS funds. Its Singapore Investing Portfolio focuses on local SGX-listed assets. The app is user-friendly with good educational content built in.

Best for: Absolute beginners who want to start with zero minimum, and those who like a simple, well-explained approach to automated investing.

Stock Brokerages: Trade Yourself

If you want to pick your own stocks or ETFs, you need a brokerage account. These apps give you direct market access — you choose what to buy, when to buy, and how much to put in. There’s no annual management fee, but you pay a commission on each trade.

Singapore investors most commonly use these brokerages for three things: buying Singapore stocks on the SGX, buying global ETFs like CSPX on the London Stock Exchange, and buying US stocks on the NYSE or Nasdaq.

moomoo Singapore

moomoo is one of the most popular trading apps in Singapore among younger investors. It offers real-time Level 2 data, paper trading (practice mode), and a clean interface. Commissions are among the lowest available.

For Singapore stocks, you pay from S$0.99 per trade (0.03% minimum). For US stocks, from US$0.99 per trade. moomoo connects to Singapore’s Central Depository (CDP), which means your shares are held directly in your name — just like a traditional bank brokerage.

Read the full moomoo Singapore review for a detailed breakdown of features and promotions.

Best for: Active traders, research-focused investors, and those who want real-time data with low commissions.

Tiger Brokers

Tiger Brokers is a well-funded platform originally from China, now licensed by MAS in Singapore. It offers SG stocks, US stocks, HK stocks, and options trading. Tiger also connects to CDP for Singapore shares.

Commissions for SG stocks start from S$1.99 per trade. US stocks from US$0.49 per contract. Tiger often runs new-user promotions (free trades, vouchers) that make it competitive for those starting out.

Best for: Investors who want access to multiple markets and are attracted by new-user promotions.

Interactive Brokers (IBKR)

IBKR is the professional’s choice. It offers access to 150+ markets, extremely low commissions, and advanced tools. For a S$10,000 SG stock trade, IBKR’s commission can be under S$1.50 at the tiered pricing level.

IBKR is especially cost-effective for ETF investors buying on the London Stock Exchange — CSPX, VWRA, and other UCITS ETFs. The platform is more complex than local apps, but the savings on fees compound significantly over time.

Use IBKR referral code jianxiong368 when signing up to potentially receive account credits.

Best for: Serious long-term investors with larger portfolios (S$50,000+) who want the lowest possible trading costs.

FSMOne

FSMOne is a fund supermarket, not a traditional stock brokerage. Its strongest use case is CPF and SRS investing. The CPF platform fee is 0% — you pay only the fund-level charges. For SRS and cash accounts, the platform fee is 0.35% p.a. for non-fixed-income funds up to S$300,000.

You can use your FSMOne referral code (code: P0544985) when opening an account.

FSMOne also offers stocks, bonds and ETFs trading, but its commission structure is less competitive than moomoo or IBKR for equities. Where FSMOne excels is in its unit trust (mutual fund) selection, regular savings plans, and CPF/SRS fund investing.

Best for: CPF or SRS investors who want a wide selection of unit trusts, and those building a regular savings plan into low-cost funds.

CPF and SRS Investing

Your CPF savings earn guaranteed interest — 2.5% p.a. on your Ordinary Account (OA), and 4% p.a. on your Special Account (SA) and MediSave Account (MA). These rates are confirmed through 31 December 2026 by the CPF Board.

CPF OA funds can be invested through CPFIS (CPF Investment Scheme). To do so, you must first set aside S$20,000 in your OA — only the balance above that can be invested. The rules cap your exposure to equities at 35% and gold at 10% of investible savings.

For robo-advisor access to CPF OA: only Endowus and FSMOne are licensed to accept CPFIS investments. Syfe and StashAway only accept SRS funds and cash.

Source: Official platform websites, September 2026. CPF OA investments subject to CPFIS rules including S$20,000 set-aside and asset class caps.

For a complete breakdown of how to maximise CPF OA investments, see the guide to CPF investment strategy Singapore.

SRS (Supplementary Retirement Scheme) contributions reduce your taxable income in the year you contribute. Singaporeans and PRs can contribute up to S$15,300 per year (foreigners S$35,700). These funds can be invested via Endowus, FSMOne, Syfe, or StashAway. The tax benefit alone can be worth thousands of dollars annually — use our Singapore retirement calculator to see how SRS contributions affect your retirement outlook.

Which Investment App Is Right for You?

Here’s a simple decision tree based on your situation.

There’s no single “best” app — many Singapore investors use two or more in combination. For example: Endowus for CPF/SRS, moomoo for active stock trading, and Syfe Brokerage for scheduled ETF purchases.

How to Get Started

Opening an investment account in Singapore is straightforward. You’ll need:

• A Singapore bank account (DBS, OCBC, UOB, or any local bank)
• Your SingPass or NRIC for identity verification
• A few minutes to complete digital onboarding

Most apps complete KYC (Know Your Customer) verification within 1–3 business days. For CPF investing (Endowus or FSMOne), you’ll also need to activate CPFIS — a one-time step done through the CPF Board website.

For SRS accounts, you open an SRS account at DBS, OCBC, or UOB first, then link it to your chosen investment platform. Your first SRS contribution in 2026 starts the clock on your annual cap (S$15,300 for citizens and PRs).

Frequently Asked Questions