Robo-advisor fees in Singapore are the annual management charges — typically 0.05% to 0.8% of assets under management — that digital wealth platforms like StashAway, Syfe, Endowus, and AutoWealth charge for automated portfolio construction and rebalancing, on top of the underlying fund expense ratios.
Not financial advice. All figures for educational reference only. Data as at July 2026.
Last updated: July 2026
Key Takeaways
- StashAway charges between 0.20% and 0.80% per annum depending on how much you have invested, with larger portfolios qualifying for lower tiers.
- Endowus charges 0.40% per annum for CPF and SRS investments, and between 0.25% and 0.60% for cash investments depending on AUM, with its Cash Smart portfolios charging just 0.15%.
- Syfe applies no minimum investment amount and rebates 100% of trailer fees back to investors, similar to Endowus’s fee transparency approach.
- AutoWealth charges a flat US$18 annual platform fee plus a 0.50% management fee on its Starter account, though its Flexi Cash account charges a lower 0.10% management fee.
- The quoted management fee is only part of the total cost — the underlying ETFs or funds each portfolio holds carry their own expense ratios, which stack on top of the platform fee.
What Is Robo-Advisor Fees?
Robo-advisors are digital investment platforms that build and manage a diversified portfolio — usually a mix of ETFs or unit trusts — on an investor’s behalf, based on a risk profile questionnaire, without requiring the investor to pick individual securities. In Singapore, StashAway, Syfe, Endowus, and AutoWealth are among the most established platforms, each with a different fee philosophy and target audience.
The fee a robo-advisor charges is usually described as an annual percentage of assets under management (AUM), deducted periodically (often monthly or quarterly) directly from the portfolio rather than billed separately. This management fee compensates the platform for portfolio construction, ongoing rebalancing, tax-loss harvesting (where offered), and platform infrastructure. It is distinct from, and stacks on top of, the expense ratio charged by the underlying ETFs or funds the robo-advisor actually invests in — a fact easy to overlook when comparing headline platform fees.
Because these platforms compete partly on fee transparency, most have also moved to rebate “trailer fees” — a form of commission that fund managers historically paid distributors — back to the end investor, rather than keeping them as additional platform revenue, a practice that both Syfe and Endowus explicitly highlight in their fee disclosures.
How Does It Work in Singapore?
2026 published fee structures across the major Singapore robo-advisors illustrate how differently each platform prices its service:
- StashAway: tiered fee of 0.20% to 0.80% per annum, with the rate falling as invested AUM rises — larger portfolios pay proportionally less.
- Syfe: no minimum investment amount required, and the platform rebates 100% of trailer fees back to clients rather than retaining them.
- Endowus: 0.40% per annum for CPF and SRS money; for cash investments, fees range from 0.60% per annum (for AUM up to S$200,000) down to 0.25% for AUM above S$5 million; its Cash Smart (money market-style) portfolios charge a lower flat 0.15%. Endowus also rebates 100% of trailer fees.
- AutoWealth: a flat US$18 annual platform fee plus a 0.50% per annum management fee on its Starter account; its Flexi Cash account carries a lower 0.10% management fee.
Minimum investment amounts also vary: Syfe and StashAway have no minimum, letting investors start with as little as S$1, while Endowus requires S$1,000 for cash portfolios (though CPF and SRS investing effectively has lower practical minimums), and AutoWealth requires S$3,000 for its Starter account and S$1,000 for its Flexi Cash account.
The all-in cost an investor actually bears is the platform’s management fee plus the weighted expense ratio of the underlying ETFs or funds the portfolio holds — typically an additional 0.1%-0.3% depending on the specific mix, meaning the headline platform fee understates the true total cost by a meaningful margin.
Robo-Advisor Fees Example
Hui Min is comparing two options for a S$50,000 lump sum: Endowus’s cash portfolio at 0.60% (since she is below the S$200,000 tier) plus an estimated 0.15% weighted underlying fund expense ratio, versus StashAway at, say, the 0.50% tier for her portfolio size plus a similar 0.15% underlying expense ratio.
- Endowus: all-in annual cost of roughly 0.75% × S$50,000 = S$375.
- StashAway: all-in annual cost of roughly 0.65% × S$50,000 = S$325.
- The roughly S$50 annual difference seems small in isolation, but compounded over a 20-30 year investing horizon, even a 0.1 percentage point fee gap can meaningfully affect the ending portfolio value, purely from the cost drag on compounding.
If Hui Min instead routes the same S$50,000 of SRS money through Endowus at its 0.40% SRS-specific fee tier, her all-in cost falls further, illustrating why the “which account type is this money in” question (cash vs CPF vs SRS) can matter as much as which platform she picks, since fee tiers often differ by funding source on the same platform.
Advantages
Lower cost than most traditional actively-managed unit trusts, which commonly charge 1.5%-2% in distribution and management fees combined, versus a robo-advisor’s typical 0.2%-0.8% platform fee.
Full fee transparency has become a competitive differentiator. Both Syfe and Endowus explicitly rebate trailer fees back to clients, a practice not universal among older-style fund distributors.
Tiered fee structures reward larger portfolios, particularly at StashAway and Endowus, where the effective fee rate falls as invested AUM grows.
Low or no minimum investment at Syfe and StashAway removes a common barrier to starting a diversified, professionally-constructed portfolio for smaller investors.
Risks and Limitations
Headline platform fees don’t capture the full cost. The underlying ETF or fund expense ratios inside each robo-advisor’s portfolios add a further 0.1%-0.3% typically, which is easy to overlook when comparing platforms on the advertised management fee alone.
Fee tiers and minimums change over time, and a platform’s published rates should always be re-verified against its current fee schedule rather than relied upon from an older comparison article.
A lower fee does not automatically mean better net returns. Portfolio construction, asset allocation, and rebalancing discipline all affect returns independently of the fee charged, so fee comparison should never be the sole criterion.
Flat fees (like AutoWealth’s US$18 annual platform fee) disproportionately affect smaller portfolios, since a fixed dollar fee represents a much larger percentage cost on a S$3,000 account than on a S$50,000 one.
Fee structures differ by funding source on the same platform — cash, CPF, and SRS money can carry different fee tiers even within a single robo-advisor, which investors sometimes overlook when comparing “the platform’s fee” as a single number.
Published fee schedules can change. Robo-advisors periodically revise their tiers and minimums as they scale or reposition, so a comparison done a year or two ago may no longer reflect current pricing, and figures should always be checked against the platform’s live fee page before committing funds.
Robo-Advisor Fees in Singapore (2026)
| Platform | Management Fee | Minimum Investment | Trailer Fee Rebate |
|---|---|---|---|
| StashAway | 0.20%-0.80% p.a., tiered by AUM | None | Not explicitly highlighted as a rebate feature |
| Syfe | Varies by portfolio | None | 100% rebated to clients |
| Endowus (Cash) | 0.25%-0.60% p.a. (Cash Smart: 0.15%) | S$1,000 | 100% rebated to clients |
| Endowus (CPF/SRS) | 0.40% p.a. | Effectively lower via CPF/SRS | 100% rebated to clients |
| AutoWealth (Starter) | US$18/yr flat + 0.50% p.a. | S$3,000 | Not applicable to flat-fee structure |
| AutoWealth (Flexi Cash) | 0.10% p.a. | S$1,000 | Not applicable |
Source: StashAway.sg, Endowus insights, Seedly robo-advisor comparison, as at Jul 2026.
The Bottom Line
Robo-advisor fees in Singapore now span a wide range, from AutoWealth’s Flexi Cash at 0.10% to StashAway’s lowest tier at 0.20% up to 0.80% for smaller portfolios, and every platform’s headline fee understates the true cost once underlying fund expense ratios are added. For most investors, comparing the all-in cost — platform fee plus underlying fund expenses, specific to the actual funding source (cash, CPF, or SRS) — matters far more than chasing the single lowest headline percentage advertised.
Frequently Asked Questions
Which robo-advisor has the lowest fees in Singapore?
As at 2026, AutoWealth’s Flexi Cash account at 0.10% per annum and Endowus’s Cash Smart portfolios at 0.15% are among the lowest headline management fees, though minimums and underlying fund costs also affect the true all-in cost.
Do robo-advisor fees include the underlying fund costs?
No. The platform’s management fee is charged on top of the expense ratios of the underlying ETFs or unit trusts the portfolio holds, so the true all-in cost is higher than the headline management fee alone.
What does it mean when a robo-advisor rebates 100% of trailer fees?
Trailer fees are commissions fund managers historically paid to distributors; platforms like Syfe and Endowus pass this money back to investors instead of keeping it, effectively lowering the investor’s true cost.
Is Endowus cheaper for CPF and SRS money than for cash?
Yes, Endowus charges a flat 0.40% for CPF and SRS investments, while cash investments range from 0.60% down to 0.25% depending on AUM tier, so the appropriate comparison depends on which account the money sits in.
Do I need a minimum amount to start with a robo-advisor in Singapore?
It depends on the platform — Syfe and StashAway have no minimum investment, while Endowus requires S$1,000 for cash portfolios and AutoWealth requires S$3,000 for its Starter account.