Syfe vs StashAway 2026: Which Robo Advisor Wins for Singapore Investors?

A data-driven fee comparison, portfolio breakdown and referral bonus guide — updated April 2026.

Both Syfe and StashAway are MAS-licensed robo advisors that let Singapore investors grow their wealth with low-cost, automated portfolios. But they serve different investor types. Syfe is stronger for Singapore-focused income investors who want REIT+, Income+ and SRS portfolios, while StashAway edges ahead for globally diversified investors seeking lower fees at higher AUM tiers and flexible ETF exposure.

This guide breaks down fees, portfolio options, SRS compatibility, referral bonuses and who should pick which platform — based on data as at April 2026. This is not financial advice. Always conduct your own due diligence before investing.

Table of Contents

Quick Comparison: Syfe vs StashAway at a Glance

Here is a side-by-side summary of both platforms as at April 2026:

Syfe 2026: Fees, Portfolios & Features

Syfe was founded in Singapore in 2019 and has grown into one of the most popular robo advisors for local retail investors. It holds a Capital Markets Services (CMS) licence from MAS and is regulated under the Securities and Futures Act.

Syfe Management Fees (2026)

Syfe uses a tiered fee structure based on total AUM across all managed portfolios:

• Below S$50,000: 0.65% p.a.
• S$50,000 – S$250,000: 0.55% p.a.
• S$250,000 – S$1,000,000: 0.45% p.a.
• Above S$1,000,000: 0.35% p.a.

Syfe Cash+ has zero management fees — making it free to park short-term savings at competitive yields. All fees exclude GST and underlying ETF expense ratios.

Syfe Portfolio Options

Syfe’s portfolio suite is designed with Singapore investors in mind:

• Syfe Core: Global equity/bond allocation portfolios (Defensive, Balanced, Growth, Equity100) — diversified across global ETFs with automatic rebalancing.
• Syfe Income+: Targets 4–6% annual income via dividend ETFs, bond funds and REITs. Popular with passive income seekers. SRS-eligible.
• Syfe REIT+: Tracks the iEdge S-REIT Leaders Index — direct exposure to Singapore’s top REITs. Ideal for S-REIT investors who want diversified REIT exposure without stock-picking.
• Syfe Cash+: Capital-preserved, fee-free cash management. Competitive yield vs bank savings accounts. No lock-in.
• Syfe Trade: A brokerage arm for buying individual stocks and ETFs on SGX, NYSE and NASDAQ.

Syfe SRS & Tax Features

Syfe supports Supplementary Retirement Scheme (SRS) investing on selected managed portfolios (Core, Income+), making it a solid choice for salaried employees looking to reduce their taxable income while building a retirement nest egg. Note: CPF OA investing is not currently supported on Syfe. For CPF OA investing, Endowus remains the only MAS-approved robo advisor option.

StashAway 2026: Fees, Portfolios & Features

StashAway was founded in 2016 and launched in Singapore in 2017. It is one of the earliest robo advisors in the region, holding a Capital Markets Services licence from MAS. Its proprietary ERAA® (Economic Regime-based Asset Allocation) methodology dynamically adjusts portfolios based on macroeconomic conditions.

StashAway Management Fees (2026)

StashAway uses a tiered AUM fee structure with more granular brackets than Syfe:

• First S$25,000: 0.80% p.a.
• S$25,000 – S$50,000: 0.60% p.a.
• S$50,000 – S$100,000: 0.50% p.a.
• S$100,000 – S$250,000: 0.40% p.a.
• S$250,000 – S$500,000: 0.30% p.a.
• Above S$500,000: 0.20% p.a.

StashAway Simple™ (cash management) charges just 0.15% p.a., and the Flexible Portfolio single-ETF option is a flat 0.30% p.a. A small transaction fee of US$1 applies per ETF transaction in Flexible Portfolios.

StashAway Portfolio Options

StashAway offers a broader range of portfolio types:

• General Investing (ERAA®): Risk-indexed global portfolios (SRI 6.5% to 36%) that dynamically shift allocations based on economic regimes — inflation, deflation, growth, stagflation.
• Flexible Portfolios: Choose your own ETF mix (single or multi-ETF) at 0.30% p.a. flat. High customisation — popular with experienced investors.
• StashAway Income: Dividend-focused portfolio targeting regular income through bond and equity income ETFs.
• Singapore Investing Portfolio: STI ETF + Singapore bonds — for investors wanting home-market exposure.
• Thematic Portfolios: Tech, healthcare, environment — sector tilts for growth investors.
• Shariah Global Portfolio: Halal-screened global investing for Muslim investors.
• StashAway Simple™: Cash management at 0.15% p.a. Competitive yield, no lock-in.
• ETF Explorer: Access to global ETFs with a flat transaction fee model.

StashAway SRS & Tax Features

StashAway supports SRS investing across its General Investing portfolios, making it useful for tax-efficient retirement savings. Like Syfe, CPF OA investing is not available on StashAway. If you want to invest CPF OA funds with a robo advisor, Endowus is currently the only MAS-approved platform to do so.

Fee Comparison Deep-Dive: Syfe vs StashAway

Fees compound over time — even a 0.10% difference matters significantly over a 20-year investment horizon. Here is how annual fees compare at different portfolio sizes:

Note: Blended fee estimates. Actual calculations depend on exact tiered AUM breakpoints. Excludes underlying ETF expense ratios.

Key takeaway: Syfe is cheaper for small accounts below ~S$30,000. StashAway’s fee advantage grows significantly from S$100,000+ AUM. For high-net-worth retail investors, StashAway’s tiered fee compression is a meaningful long-term edge. However, fees are just one dimension — Syfe’s REIT+ and Income+ portfolios serve a niche StashAway does not directly replicate, and the dividend-income profile may justify the slightly higher fee for income-focused investors.

Who Should Use Syfe vs StashAway?

Choose Syfe if you are…

• An S-REIT income investor: Syfe REIT+ offers direct, diversified exposure to Singapore REITs — something StashAway cannot match in the same targeted way. See our Best S-REITs Singapore 2026 guide for the top REITs to watch.
• Building a passive income portfolio: Syfe Income+ targets 4–6% annual income via dividend ETFs. It pairs well with S-REIT holdings and CPF strategies. Read our passive income guide for how to combine these.
• A beginner with under S$30,000: Syfe’s fees are slightly more competitive at low AUM, and the portfolio choices are simpler and more beginner-friendly for Singapore investors.
• Using SRS for tax-efficient investing: Both platforms support SRS, but Syfe’s Income+ + SRS combination is particularly well-suited for dividend-seeking SRS investors.
• Parking short-term cash fee-free: Syfe Cash+ has zero management fees — the best cash management option among major robo advisors for cost-conscious investors.

Choose StashAway if you are…

• Investing S$100,000 or more: StashAway’s fee advantage at higher AUM is meaningful — you save S$150–S$1,500 per year vs Syfe at the same portfolio size.
• A globally diversified investor: StashAway’s ERAA® macro regime methodology actively shifts allocations between asset classes based on economic conditions — a more sophisticated risk management approach.
• A Muslim investor: StashAway offers a Shariah-compliant global portfolio — Syfe currently does not.
• Wanting ETF customisation: StashAway Flexible Portfolios and ETF Explorer let you build your own allocation at 0.30% flat — giving more control than Syfe’s fixed portfolio structures.
• A long-term retirement investor: The fee savings compound significantly over 15–20 years at higher AUM. At S$300,000, you save S$450/year on StashAway vs Syfe — that’s S$9,000 saved over 20 years before compounding effects.

Can You Use Both?

Yes — and many Singapore investors do. A common strategy is to use Syfe for Singapore-specific income (REIT+, Income+) and StashAway for global diversification (ERAA® general investing). The two platforms complement each other well. If you want CPF OA investing on top, consider adding Endowus as the third robo advisor — the only platform that lets you invest CPF OA funds. See our best robo advisor Singapore guide for a full comparison of all platforms.

Referral Codes & Current Promotions (April 2026)

Before you sign up, claim your referral bonus — both platforms offer meaningful sign-up rewards for new clients.

Syfe Referral Bonus

New Syfe clients who sign up using a referral code can earn up to S$40 cash + 3 months management fee waiver. Both the referrer and the referred friend receive bonuses when the new client funds a qualifying deposit (minimum S$2,000 for managed portfolios). Syfe also runs the STACK3ALL stackable yield promotion for both new and existing clients as at April 2026. Check our dedicated Syfe referral page for the current active code and bonus details.

StashAway Referral Bonus

StashAway’s referral programme gives both the referrer and referee a 6-month management fee waiver on up to S$10,000 AUM — worth up to S$48 per person (at 0.80% on S$10,000 for 6 months). New clients can also access SingSaver-exclusive bonuses: currently S$30 cash or 1,900 Max Miles (worth ~S$34) when funding S$500 or more, valid until 3 May 2026. Log into your StashAway app and go to “Refer a Friend” to get your unique referral link.

Referral terms change periodically — always verify on the platform’s official site before signing up. Not financial advice.

Also Consider: Endowus for CPF & SRS

If you want to invest your CPF Ordinary Account (OA) funds with a robo advisor, neither Syfe nor StashAway currently offer this. Endowus is the only MAS-approved robo advisor in Singapore for CPF OA, CPF SA and SRS investing — with access to institutional-grade funds from Dimensional, PIMCO and Vanguard. Read our Endowus vs StashAway 2026 comparison for a deeper look. For building wealth through Singapore’s top dividend stocks alongside your robo advisor portfolio, see our Best Dividend Stocks Singapore 2026 guide.

FAQ: Syfe vs StashAway Singapore

Conclusion: Syfe vs StashAway — Which Should You Choose?

Both Syfe and StashAway are excellent, MAS-licensed robo advisors for Singapore investors. The right choice depends on your investment goals and portfolio size.

Choose Syfe if you want Singapore-focused income portfolios (REIT+, Income+), a fee-free cash management option (Cash+), or are starting with under S$30,000.

Choose StashAway if you are investing S$100,000+, want global diversification via the ERAA® methodology, need a Shariah portfolio, or want more ETF customisation through Flexible Portfolios.

If CPF OA investing is part of your plan, Endowus is the only option. Many investors run all three in parallel. Check our Best Robo Advisor Singapore 2026 guide for the full breakdown. Not financial advice.