Best Robo Advisors in Singapore (2026): Endowus, Syfe, StashAway & More Compared
A complete Singapore investor’s guide — fees, performance, SRS eligibility, and which platform suits your goals in 2026.
The best robo advisors in Singapore for 2026 are Endowus, Syfe, and StashAway — each suited to different investor profiles. Endowus stands out for CPF and SRS investing with the lowest fees (0.25% p.a.). Syfe offers flexible goal-based portfolios with no minimum. StashAway uses a risk-based allocation engine ideal for beginners. All three are MAS-licensed and invest in globally diversified, low-cost ETF portfolios.
Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.
- Endowus is best for CPF/SRS investing and lowest annual fees at 0.25% p.a.
- Syfe is best for flexible goal-based investing with no minimum balance required.
- StashAway suits complete beginners who want automated risk-adjusted portfolios.
Table of Contents
What Is a Robo Advisor?
A robo advisor is a digital investment platform that uses algorithms to build and manage a diversified investment portfolio on your behalf. You answer a short questionnaire about your goals, timeline, and risk tolerance — and the platform handles everything else. This includes selecting funds, rebalancing your portfolio, and reinvesting returns.
In Singapore, robo advisors typically invest in a mix of low-cost Exchange Traded Funds (ETFs) covering global equities and bonds. Because they cut out the need for a human fund manager, their fees are significantly lower than traditional unit trusts or endowment plans — often 10x cheaper.
All robo advisors operating in Singapore must be licensed by the Monetary Authority of Singapore (MAS) as either a Capital Markets Services (CMS) licensee or an Exempt Financial Adviser. Your investments are held in a nominee or custodian account — not in the platform’s balance sheet — which means your money is protected even if the platform shuts down.
Best Robo Advisors in Singapore 2026
Here is a quick-reference comparison of the top robo advisors available to Singapore investors as at June 2026.
| Platform | Annual Fee | Min. Investment | CPF/SRS | Best For |
|---|---|---|---|---|
| Endowus | 0.25% p.a. | SGD 1,000 | ✅ Both | CPF/SRS, lowest fees |
| Syfe | 0.35%–0.65% p.a. | No minimum | ✅ SRS only | Goal-based, S-REIT portfolios |
| StashAway | 0.20%–0.80% p.a. | No minimum | ✅ SRS only | Beginners, risk-based |
| MoneyOwl | 0.50% p.a. | No minimum | ✅ Both | Holistic financial planning |
| AutoWealth | 0.50% + SGD 18/yr | SGD 3,000 | ❌ | Pure passive ETF portfolios |
Source: Platform websites, June 2026. Fees may vary based on portfolio size; tiered pricing applies to some platforms.
Fee Comparison: What You Actually Pay
Fees matter enormously over the long run. A 0.25% difference in annual fee on a SGD 100,000 portfolio saves you SGD 250 per year — or SGD 5,000 over 20 years, assuming no compounding. Over a 30-year investment horizon, that gap widens dramatically when you factor in compound growth on the fee savings.
There are two layers of fees you need to know. First, the platform’s annual management fee (shown in the comparison table above). Second, the underlying fund expense ratios — the fees charged by the ETFs or funds inside your portfolio. Endowus rebates 100% of fund-level trailer fees back to you, which further reduces your effective cost. Syfe and StashAway absorb fund-level fees into their ETF portfolios, so there is no double-charging, but you should confirm this with each platform for the specific portfolio you choose.
For a practical example: if you invest SGD 50,000 with Endowus at 0.25% p.a., you pay SGD 125 per year in platform fees. The same SGD 50,000 with StashAway at 0.50% p.a. costs SGD 250. That SGD 125 annual difference grows to roughly SGD 4,000 over 20 years at a 7% annual return.
| Platform | SGD 10,000 | SGD 50,000 | SGD 100,000 |
|---|---|---|---|
| Endowus (0.25%) | SGD 25 | SGD 125 | SGD 250 |
| Syfe (0.35%) | SGD 35 | SGD 175 | SGD 350 |
| StashAway (0.50%) | SGD 50 | SGD 250 | SGD 500 |
Source: Platform fee schedules, June 2026. Figures are illustrative annual platform management fees; actual fees may vary.
Endowus Singapore Review (2026)
Endowus is the only robo advisor in Singapore that lets you invest using your CPF Ordinary Account (OA), Special Account (SA), and SRS funds — in addition to cash. This alone sets it apart from every competitor and makes it the go-to choice for Singapore investors who want to optimise their retirement savings.
The platform charges a flat 0.25% p.a. on all assets under management, regardless of portfolio size. This is the lowest among major Singapore robo advisors. Endowus also has a unique “fund smart” approach — it selects institutional share classes of funds with lower expense ratios, and it rebates 100% of trailer fees (distributor commissions) back to you. In practice, you often end up paying less than the headline 0.25% when you factor in the rebates.
Endowus offers three core investment approaches: advised portfolios (globally diversified, risk-adjusted), fund smart (build your own from a curated fund list), and income portfolios (for investors who want regular cash payouts). The minimum investment is SGD 1,000 for cash and SRS; SGD 1,000 for CPF OA and SA investments as well.
You can sign up for Endowus and get fee rebates using the Endowus referral code — new clients typically get a fee-free period on the first SGD 10,000 invested.
Endowus is best for: CPF and SRS investors, fee-conscious long-term investors, and anyone who wants access to institutional-grade funds at low cost.
Syfe Singapore Review (2026)
Syfe is one of the most flexible robo advisors in Singapore. It has no minimum investment, which means you can start with even SGD 1 and add to your portfolio at any time. This makes it particularly popular among young investors who are just starting out and prefer to build up gradually.
Syfe’s fee structure is tiered: 0.65% p.a. for portfolios under SGD 20,000, 0.50% for SGD 20,000–SGD 100,000, and 0.35% for portfolios above SGD 100,000. For larger portfolios, Syfe is competitive on price. For smaller portfolios, the 0.65% rate is on the higher side compared to StashAway’s equivalent tier.
What sets Syfe apart is its portfolio variety. You can choose from: Core portfolios (global ETF mix), Equity100 (100% equities, no bonds), REIT+ (Singapore REITs and global REITs), Cash+ (a cash management product earning around 3–4% p.a.), and Goal-based portfolios for specific targets like a housing down payment or emergency fund.
Syfe also supports SRS investing, letting you grow your retirement savings tax-efficiently. For anyone looking to invest in Singapore REITs alongside a global portfolio, Syfe’s REIT+ is one of the few robo-managed options. You can start investing with the Syfe referral code and sign-up bonus to get a cash reward on your first deposit.
Syfe is best for: Goal-based investors, Singapore REIT exposure, flexible top-ups with no minimum, SRS investors.
StashAway Singapore Review (2026)
StashAway was one of the first robo advisors to launch in Singapore (2017) and remains one of the most popular. Its standout feature is the StashAway Risk Index (SARI) — a proprietary risk-based framework that adjusts your portfolio’s asset allocation based on your selected risk level, not just your age or time horizon. This is more sophisticated than a simple “aggressive / balanced / conservative” split.
StashAway’s fees are tiered: 0.80% p.a. for the first SGD 25,000, then 0.50% for SGD 25,000–SGD 50,000, then 0.40% for larger amounts, stepping down to 0.20% for portfolios above SGD 1 million. For smaller investors, StashAway is actually the most expensive of the three main platforms. But its no-minimum entry and intuitive app make it very beginner-friendly.
The platform also offers StashAway Simple — a cash management account paying around 3–4% p.a. — and an income portfolio for investors who want regular cash distributions. Like Syfe, StashAway is SRS-eligible but does not support CPF investing.
StashAway is best for: Complete beginners, investors who want a risk-index based approach, and those with smaller portfolios who prioritise ease of use over cost.
Other Robo Advisors to Know
Beyond the big three, a few other platforms are worth knowing about depending on your needs.
MoneyOwl (backed by NTUC) takes a holistic approach. It combines robo-investing with financial planning and insurance reviews. The investment platform uses Dimensional Fund Advisors (DFA) funds — known for their factor-based approach — and charges 0.50% p.a. It supports both CPF and SRS, making it a genuine alternative to Endowus for CPF investors. The minimum investment is SGD 100.
AutoWealth was the first licensed robo advisor in Singapore. It charges 0.50% p.a. plus a flat SGD 18 per year administration fee. The minimum investment is SGD 3,000. AutoWealth invests purely in Vanguard ETFs, which appeals to index-investing purists. However, it does not support CPF or SRS and its interface is more dated than its competitors.
Kristal.AI targets higher-net-worth investors with access to fractional US stocks and alternative investments alongside ETF portfolios. The platform is MAS-licensed but more complex than the platforms above — not recommended for complete beginners.
CPF and SRS Compatibility
The ability to invest your CPF or SRS funds through a robo advisor is a major advantage — and not all platforms support it. Here is a clear breakdown.
Your CPF Ordinary Account (OA) earns a guaranteed 2.5% p.a. — or 3.5% on the first SGD 20,000. Before investing your CPF OA via a robo advisor, ask yourself: does this investment have a realistic chance of beating 2.5%–3.5% net of fees over your investment horizon? For most long-term investors (10+ years), a globally diversified equity portfolio through Endowus has historically done so. But it is not guaranteed, and there is short-term risk involved.
Your CPF investment strategy should be thought through carefully before moving OA funds into equities. The CPF Special Account earns 4% p.a. — a higher guaranteed return — and the bar for beating it with invested funds is correspondingly higher.
SRS (Supplementary Retirement Scheme) contributions enjoy an upfront tax deduction. Investing your SRS funds through a robo advisor like Endowus or Syfe is almost always better than leaving them in the default 0.05% p.a. SRS bank account. You can use the Singapore retirement calculator to model how much SRS investing could save you over 20–30 years.
| Platform | CPF OA/SA | SRS | Cash |
|---|---|---|---|
| Endowus | ✅ Yes | ✅ Yes | ✅ Yes |
| Syfe | ❌ No | ✅ Yes | ✅ Yes |
| StashAway | ❌ No | ✅ Yes | ✅ Yes |
| MoneyOwl | ✅ Yes | ✅ Yes | ✅ Yes |
| AutoWealth | ❌ No | ❌ No | ✅ Yes |
Source: Platform websites, June 2026.
How to Choose the Right Robo Advisor for You
The right robo advisor depends on three things: what money you are investing, how much you have, and what you want the money to do.
If you want to invest your CPF or SRS funds, Endowus is the clear choice. No other major robo advisor supports CPF OA and SA investing with fees as low as 0.25% p.a. Sign up using the Endowus referral code to get your first SGD 10,000 managed fee-free for a period.
If you want to start small with no minimum and have flexibility across different portfolio types — including Singapore REITs — go with Syfe. The REIT+ portfolio is particularly popular among Singapore investors who want exposure to best S-REITs in Singapore 2026 through a managed platform. Use the Syfe referral code and sign-up bonus for a cash reward.
If you are a complete beginner and want the simplest possible setup with a risk-based framework, StashAway’s no-minimum entry and intuitive onboarding make it a strong starting point. You can always migrate to Endowus or Syfe as your portfolio grows and your priorities become clearer.
For investors who already have a passive income Singapore strategy in place and want to add a diversified global equity component via CPF or cash, combining Endowus (for CPF/SRS) with Syfe (for cash goal-based investing) is a popular approach among experienced Singapore investors.
Not financial advice. All figures are for educational reference only. Consult a licensed financial adviser before making investment decisions involving your CPF funds.
Frequently Asked Questions
What is the best robo advisor in Singapore in 2026?
The best robo advisor in Singapore depends on your needs. Endowus is best for CPF and SRS investing with the lowest fees at 0.25% p.a. Syfe is best for flexible goal-based investing with no minimum. StashAway is best for beginners who want an automated risk-based portfolio with no minimum investment required.
Can I invest my CPF using a robo advisor?
Yes, but only through certain platforms. Endowus and MoneyOwl both allow you to invest your CPF Ordinary Account (OA) and Special Account (SA) funds. Most other robo advisors — including Syfe and StashAway — do not support CPF investing. Before investing your CPF OA, note that it already earns a guaranteed 2.5% p.a., so you should invest only if you have a long enough time horizon to ride out market volatility.
Are robo advisors in Singapore safe?
All major robo advisors in Singapore — Endowus, Syfe, StashAway, MoneyOwl, and AutoWealth — are licensed by the Monetary Authority of Singapore (MAS). Your investments are held in a custodian or nominee account separate from the platform’s own assets, which means your money is protected even if the company goes into liquidation. However, your investment value can still go up or down with the market — the protection is against the platform failing, not against investment losses.
What is the minimum amount to start with a robo advisor in Singapore?
Syfe and StashAway have no minimum investment — you can start with SGD 1. Endowus requires a minimum of SGD 1,000 for cash and SRS accounts. MoneyOwl has a SGD 100 minimum. AutoWealth requires SGD 3,000. For most beginners, Syfe or StashAway is the lowest-friction starting point.
How do robo advisors in Singapore compare to buying ETFs yourself?
Buying ETFs yourself through a brokerage like Interactive Brokers can be cheaper — you pay only the ETF expense ratio (e.g. 0.07% for CSPX) with no platform fee. But it requires you to research, select, rebalance, and manage the portfolio yourself. Robo advisors add a fee (0.25%–0.65% p.a.) in exchange for automation, rebalancing, and access to diversified multi-asset portfolios. For beginners or for CPF/SRS investing, robo advisors are usually the better starting point. Experienced investors managing larger portfolios often migrate to a self-directed approach over time.
Is Endowus better than Syfe for SRS investing?
Both Endowus and Syfe support SRS investing and are solid choices. Endowus has the edge on fees (0.25% vs Syfe’s 0.35%–0.65%) and gives you access to a wider range of institutional funds. Syfe has the edge on portfolio flexibility, including its REIT+ portfolio and Cash+ product. If minimising fees over the long run is your priority, Endowus wins. If you want flexibility or Singapore REIT exposure in your SRS portfolio, Syfe is worth considering.
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