Best Robo Advisors in Singapore
Updated: 6 Aug 2025
Product Name | Hot Reward Pick | SingSaver Reward | Min. Annual Management Fee | Annual Platform Fee | Min. Deposit | |||
|---|---|---|---|---|---|---|---|---|
 | Syfe Brokerage | S$550 | 0 % | S$0 | S$2,000 | |||
 | Endowus | - | - | 0.25 % | S$0 | S$1,000 | ||
 | Stashaway | - | S$1,300 | 0.2 % | S$0 | S$6,000 | ||
 | Kristal.AI | - | - | 0 % | S$0 | S$0 | ||
 | OANDA | - | - | - | - | 0 |
- All-in-one investment platform
- No min. deposit required
- Unlimited free trades for US markets for the first 3 months (subsequently, 2-10 free US trades per month)
- Access US, SG, and HK markets as well as UCITS
- US fractional shares and SG odd lots available
- Supports auto-invest
- Access to real-time stock analysis
- Instant account opening with 24/7 support
- Licensed by MAS
- Read our full review of Syfe
- Management fee and member benefits depend on account tier
In providing the above information, SingSaver is carrying out introducing activities on behalf of financial advisers. SingSaver is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Neither singsaver.com.sg or the content on it is intended as securities brokerage or investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on singsaver.com.sg is for general information purposes only and does not review or include all available companies, products or offers. SingSaver may receive compensation from the brands providing the offers or services appearing on this website. This advertisement has not been reviewed by the Monetary Authority of Singapore.
- Currently the only robo-advisor that allows investing via cash, CPF, or SRS funds
- Annual management fees for cash investment portfolios start from 0.25% p.a. and are tiered, not stacked
- Enjoy a fixed annual management fee of 0.4% for CPF & SRS portfolios
- Cash Smart portfolios have a fixed annual management fee of 0.05%
- Access multi-asset ESG (Environmental, Social, and Governance) portfolios
- Get the opportunity to build personalised portfolios via Fund Smart
- Read our full review of Endowus
- Min. deposit of S$1,000
- Larger investment amounts required to enjoy lower fees
In providing the above information, SingSaver is carrying out introducing activities on behalf of financial advisers. SingSaver is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Neither singsaver.com.sg or the content on it is intended as securities brokerage or investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on singsaver.com.sg is for general information purposes only and does not review or include all available companies, products or offers. SingSaver may receive compensation from the brands providing the offers or services appearing on this website. This advertisement has not been reviewed by the Monetary Authority of Singapore.
- No min. investment amount and account balance required
- Invest your cash or SRS funds with 3 portfolio types: General Investing, Goal-based Investing, and Income Portfolio
- StashAway Simpleâ„¢ lets you earn a projected rate of 1.4% p.a. on your savings
- Free personal finance courses and events on StashAway academy
- Get access to a term life insurance product, with premiums starting from S$115
- Read our full review of StashAway
- Larger investment amounts required to enjoy lower management fees
- Min. S$10,000 required for Income Portfolio
In providing the above information, SingSaver is carrying out introducing activities on behalf of financial advisers. SingSaver is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Neither singsaver.com.sg or the content on it is intended as securities brokerage or investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on singsaver.com.sg is for general information purposes only and does not review or include all available companies, products or offers. SingSaver may receive compensation from the brands providing the offers or services appearing on this website. This advertisement has not been reviewed by the Monetary Authority of Singapore.
- Personalise your portfolio with over 200 funds to choose from
- Opt for ready-made portfolios focusing on sectors, geography, and more
- No fees for investment account value less than or equal to US$50,000
- Receive support from a digital relationship manager
- Read our full review of Kristal.AI
- Only accredited investors get access to a wider range of Kristal portfolios
- $0 withdrawal fees apply only to S$ and HK$
In providing the above information, SingSaver is carrying out introducing activities on behalf of financial advisers. SingSaver is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Neither singsaver.com.sg or the content on it is intended as securities brokerage or investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on singsaver.com.sg is for general information purposes only and does not review or include all available companies, products or offers. SingSaver may receive compensation from the brands providing the offers or services appearing on this website. This advertisement has not been reviewed by the Monetary Authority of Singapore.
- Trade over 70 FX pairs, starting at 0.6 pips
- Trading Products: CFDs in FX, Indices, Metals, Commodities, and Bonds
- Rate ® data currency calculator: See real-time rates for major FX pairs (also comes with 25 years' of historical data across 38,000 FX pairs)
- fxTrade platform is available for web, desktop, and mobile
- MetaTrader4 (MT4) platform available
- Analyse price trends with candlesticks charts that refresh every 5 seconds
- Convenient depositing of funds into OANDA account with PayNow
- Read our full review of Oanda
- Currency conversion fee: 0.5 % mark-up/down on the midpoint price of the applicable currency at the time of conversion
- Inactivity fees apply
- Limited tradable products
In providing the above information, SingSaver is carrying out introducing activities on behalf of financial advisers. SingSaver is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. Neither singsaver.com.sg or the content on it is intended as securities brokerage or investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on singsaver.com.sg is for general information purposes only and does not review or include all available companies, products or offers. SingSaver may receive compensation from the brands providing the offers or services appearing on this website. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Latest Robo-Advisor News
Best Robo-Advisors in Singapore: Top Picks for 2025
Robo-advisors are rapidly gaining popularity in Singapore as convenient, cost-effective ways to invest. These automated platforms offer features like portfolio rebalancing, access to diverse asset classes, and financial planning tools, often at lower fees than traditional investment methods.
What are robo-advisors?
Robo-advisors are digital advisory investment platforms. An underlying algorithm automates your investments and the management of your portfolio. As little human intervention is involved, you can expect cheaper management fees.
To better understand these new-age investment platforms, you can read this guide.
How do robo-advisors work?
Robo-advisors curate a portfolio based on your financial goals, investment horizon and risk appetite. This is determined by the inputs you share during your account creation. Portfolios offered by robo-advisors are typically made up of investment types such as Exchange Traded Funds (ETFs) and mutual funds that invest in a variety of asset classes.
The robo-advisor’s algorithm will invest your money through the selected portfolio and automatically rebalance it whenever it strays from the asset allocation, or when you deposit or withdraw funds from the portfolio.
Pros and cons of investing using robo-advisors
Pros
Low cost
Low minimum investment amount required
Gain access to global markets and diversified portfolios that suit your risk appetite
No lock-in fee or period
Cons
Some robo-advisors require a minimum investment amount that can range from S$3,000 to S$10,000
Enjoy even lower costs only when you invest large sums
Not 100% personalised
Which are the best robo-advisors in Singapore?
The best robo-advisor depends on your personal investment preference. Are you looking for the platform with the lowest fees, or are you looking for a robo-advisor with a unique product to complement your portfolio?
To help you with your decision, you can check out this article on the best robo-advisors in Singapore.
What are the robo-advisory fees like?
Robo-advisors are known for their low fees. You can expect to pay a management or advisory fee to the robo-advisor for managing your portfolio. Charged as a percentage of your portfolio size, management fees can range from 0.2% to 0.88% per annum depending on your investment type and total investment amount. This fee covers components such as rebalancing costs, transaction fees, account creation and custody fees.
Besides the management fee, there are also additional fees involved, such as the total expense ratio and currency conversion fees.
Need some help with Robo-advisors?
No worries, we've got you covered.
Frequently asked questions
- Looking for a low-cost way to invest
- With little investment capital
- Wanting a diversified portfolio
- Sourcing for investment options for their Supplementary Retirement Scheme (SRS) funds
- Management fee
- Minimum investment amount required
- Asset class the robo-advisor invests in (e.g. ETFs or mutual funds)
- Types of portfolios available
- Investment methodology or algorithm
- Whether you can set up a Regular Savings Plan (RSP)
You can consider robo-advisors if you are looking to grow your money, be it for retirement, financial independence or simply hedging against inflation. Robo-advisors are best made for those:
You can choose a robo-advisor based on factors such as:
In Singapore, you can invest your cash, Supplementary Retirement Scheme (SRS) funds and even CPF in robo-advisors. As your portfolio with the robo-advisor depends on your inputs that indicate your risk appetite, investment horizon and goals, there is a portfolio for everyone. Some robo-advisors even allow you to create multiple portfolios with varying risk levels for different financial goals.
Before investing using robo-advisors, you should first consider your financial situation. Do you have an emergency fund to tide you through at least six months of unemployment? Are there big-ticket expenses coming up that will require you to use this investment capital?
You should also consider how much you are looking to invest as this could affect the management fee you’ll be paying.
One concern investors might have with robo-advisors is the safety and security of your assets. To help you rest easier, these robo-advisors have to be licensed by the Monetary Authority of Singapore (MAS).
Your assets are also held in a custodian account by large, established brokerages such as UOB Kay Hian and SAXO markets. This custodian account is opened in your own name, which means that should the robo-advisor go bust or be acquired, your money is still intact.