Endowus vs StashAway 2026: Which Robo Advisor Is Better for Singapore Investors?

A data-driven comparison of fees, CPF/SRS support, portfolios, and referral bonuses — so you can pick the right platform in 2026.

If you are deciding between Endowus and StashAway in 2026, the short answer is: Endowus wins on CPF and SRS investing, while StashAway is more accessible for beginners with no minimum investment and a simple tiered fee model.

Both platforms are licensed by the Monetary Authority of Singapore (MAS) and offer diversified, low-cost portfolios. But they serve slightly different investor profiles — and the right choice depends on your goals, portfolio size, and whether CPF access matters to you.

This article is for informational purposes only and does not constitute financial advice. Please consult a licensed financial adviser before making investment decisions.

Table of Contents

Quick Comparison Table: Endowus vs StashAway

Here is a side-by-side overview of the two platforms as at April 2026.

Endowus Overview: Fees, Features & Portfolios

Endowus was founded in 2017 and is Singapore’s only digital wealth platform that lets you invest your CPF Ordinary Account (OA) savings through the CPF Investment Scheme (CPFIS), in addition to SRS and cash. That single feature alone makes it the go-to platform for Singaporeans who want to potentially earn more than the 2.5% CPF OA interest rate.

Endowus Fee Structure (2026)

Endowus charges a transparent access fee — and rebates 100% of trailer fees from fund managers back to investors:

• CPF & SRS investing: 0.40% p.a. (flat rate, regardless of AUM)
• Cash (up to S$200,000): 0.60% p.a.
• Cash (S$200,001 – S$1,000,000): 0.35% p.a.
• Cash (S$1,000,001 – S$5,000,000): 0.25% p.a.
• Cash Smart (money market): 0.15% p.a.

Minimum investment for cash portfolios is S$1,000. CPF and SRS accounts have no effective minimum after the respective account thresholds are met.

Endowus Portfolio Options

Endowus offers a range of fund-based portfolios built from institutional-share-class unit trusts (lower expense ratios than retail share class). Key options include Flagship portfolios (Conservative / Balanced / Adventurous), Core portfolios (factor-based, all-equity, income-focused), Cash Smart (Ultra Short Duration, Enhanced, Secure), goal-based portfolios (Retirement, Education, Wealth Accumulation), and ESG portfolios for cash and SRS.

All portfolios use Dimensional Fund Advisors (DFA) and other institutional funds with trailer fees rebated fully back to investors — a key differentiator that gives retail investors institutional-grade fund access.

Who Is Endowus Best For?

Endowus is best suited for investors who want to maximise CPF OA returns beyond the 2.5% floor, use SRS for tax-efficient retirement investing, or who have larger portfolios (S$200,000+). For more context, see our CPF investment guide.

StashAway Overview: Fees, Features & Portfolios

StashAway was founded in 2016 and is one of Singapore’s most popular robo advisors, known for its Economic Regime-based Asset Allocation (ERAA) investment framework. The platform uses ETFs (not unit trusts), making it a purer passive investing approach.

StashAway Fee Structure (2026)

StashAway uses a tiered fee structure based on your total AUM across all portfolios: 0.80% p.a. (first S$25,000), 0.60% (S$25,001–S$50,000), 0.50% (S$50,001–S$100,000), 0.40% (S$100,001–S$250,000), 0.30% (S$250,001–S$500,000), 0.25% (S$500,001–S$1,000,000), and 0.20% (above S$1,000,000). There is also a S$1 USD transaction fee per ETF trade. StashAway Simple™ charges 0.15% p.a.

There is no minimum investment — you can start with just S$1, making it highly accessible for beginners.

StashAway Portfolio Options

StashAway offers General Investing (ERAA, Risk Index 6.5%–36%), Flexible Portfolio (self-directed ETFs), StashAway Simple™ and Simple™ Plus (cash management), thematic portfolios (Technology, ESG, Healthcare), and income portfolios. StashAway supports SRS investing but does not support CPF investing.

Who Is StashAway Best For?

StashAway is ideal for beginners and younger investors who want to start with small amounts, prefer an ETF-based approach, or want thematic exposure. Its no-minimum policy and simple onboarding make it one of the easiest platforms to get started on in Singapore.

Head-to-Head: Where Each Platform Wins

1. CPF Investing: Endowus Wins Outright

Endowus is the only robo advisor in Singapore that supports CPF OA investing via CPFIS. If you want to deploy your CPF OA savings beyond the 2.5% risk-free rate, Endowus is your only robo option. StashAway does not support CPF investing at all. For CPF OA investing with Endowus, the flat 0.40% p.a. fee applies on top of underlying fund expense ratios (typically 0.10%–0.35%), giving a total all-in cost of approximately 0.50%–0.75% p.a.

2. SRS Investing: Broadly Equal

Both platforms support SRS investing at comparable fees at mid-range AUM. Endowus charges a flat 0.40% for SRS; StashAway charges 0.4%–0.6% depending on AUM bracket. For SRS portfolios in the S$50,000–S$200,000 range, the fee difference is minimal. See our Singapore retirement planning calculator for SRS strategy modelling.

3. Cash Fees at Different AUM Levels

For the very first S$25,000, StashAway charges 0.80% — higher than Endowus’s 0.60%. They converge at S$25,000–S$50,000. Above S$200,000, Endowus at 0.35% is meaningfully cheaper than StashAway at 0.40%.

4. Cash Management: Effectively Tied

Both Endowus Cash Smart and StashAway Simple™ charge 0.15% p.a. and invest in short-duration money market instruments. As at April 2026, both are yielding approximately 2.8%–3.2% p.a. gross.

5. Portfolio Construction: Different Philosophies

Endowus uses institutional unit trusts (DFA) with factor exposure; StashAway uses ETFs with dynamic ERAA allocation. Neither is objectively superior — the choice depends on your preference for passive ETF simplicity vs. factor-tilted unit trusts.

6. Accessibility: StashAway Wins for Beginners

StashAway’s S$1 minimum makes it far easier to start. Endowus’s S$1,000 cash minimum is a meaningful barrier, though waived for CPF and SRS accounts.

Who Should Use Which Platform?

Many Singapore investors use both platforms simultaneously. Pair your robo investing with S-REIT dividend portfolios for broader diversification, or explore our Singapore REIT ETF guide for low-cost index exposure.

Referral Codes & Sign-Up Bonuses (April 2026)

Use a referral code when signing up for either platform to unlock additional bonuses. Both are free to sign up with no lock-in period.

Endowus Referral Code 2026

New Endowus clients who sign up using a referral link and invest at least S$1,000 receive S$20 in fee credits (effectively 6 months free on S$10,000). Applies to cash, CPF, and SRS accounts.

StashAway Referral Code 2026

New StashAway clients who sign up via a referral link receive a 6-month management fee waiver on up to S$10,000 AUM — both referrer and referee benefit. No minimum required.

Frequently Asked Questions

Verdict: Endowus vs StashAway in 2026

Choose Endowus if CPF investing matters to you, if you have a larger portfolio where flat 0.40% SRS fees win, or if you prefer institutional-class unit trusts with full trailer fee rebates. It is the clear choice for CPF OA investors and anyone building a serious retirement portfolio via SRS.

Choose StashAway if you are a beginner with limited capital, prefer ETF-based investing with no minimums, or want thematic portfolios (tech, healthcare, ESG).

For most Singaporeans, the optimal approach is to use both — Endowus for CPF and SRS, StashAway for cash and thematic exposure. The fee difference at most AUM levels is small enough that using both costs very little while giving you the best of both platforms.

For a broader look at passive income options, check our passive income Singapore guide and best robo advisors Singapore 2026 ranking.

Data as at April 2026. Always verify current fees and promotions directly with the platform before investing.