Stashaway
Updated: 15 Sept 2025
- 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
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Summary: StashAway is a MAS-licensed robo-advisor offering diversified ETF portfolios (General Investing, BlackRock-powered, Responsible/ESG, Thematic, Income, Singapore Investing, and Flexible Portfolios) plus cash solutions (Simple and Simple Guaranteed). Fees are 0.2%–0.8% p.a. (tiered by assets), with no setup/exit fees, free transfers/withdrawals, and no SGD minimum. You can fund by local bank transfer (FAST) or set up eGIRO; SRS is supported.
Risk note: Investing involves risk. Portfolio value can go up or down and you may lose capital. Projected rates for cash portfolios are not guaranteed unless explicitly stated (e.g., Simple Guaranteed tenor). Always confirm current terms in-app.
StashAway at a Glance (Singapore)
| Feature | Details |
|---|---|
| Portfolios | General Investing (ERAA®), BlackRock-powered, Responsible (ESG), Thematic, Income, Singapore Investing, Flexible (incl. Single-ETF) |
| Management fees | 0.2%–0.8% p.a., tiered by total AUM; Single-ETF Flexible is 0.3% p.a. flat |
| Cash solutions | Simple: projected rate updated periodically; Simple Guaranteed: fixed rate by tenor (1–12 months), no fees |
| Promotions | New investors: fee waiver for 3 months on up to S$25,000 (T&Cs apply; check current offer) |
| Minimums | No SGD minimum to start; USD deposits typically min US$10,000 |
| Funding | Local bank transfer (FAST) with unique reference, or eGIRO link from app |
| SRS support | Yes — invest with SRS (DBS/OCBC/UOB). Automated SRS pulls can be scheduled |
| Withdrawals | Free; typical posting time ~1–2 business days for SGD deposits/withdrawals |
| Regulation | Licensed by the Monetary Authority of Singapore (CMS100604) |
Rates, tiers and promos change; include “as of” dates when publishing.
Pros & Cons
Pros
- No SGD minimum; easy on-ramp for first-time investors.
- Transparent fees; rebalancing and re-optimisation included.
- Cash options for short-term needs (Simple; Simple Guaranteed).
- SRS-enabled investing with automated funding.
- 100% trailer-fee rebates on certain fund-based portfolios (e.g., Income).
Cons
- Projected cash rates vary and are not guaranteed (except Simple Guaranteed).
- Underlying ETF/fund expense ratios and FX conversion costs apply.
- USD deposits have a US$10,000 minimum.
Fees & Charges
Platform & Management
- Managed portfolios: 0.2%–0.8% p.a. (tiered; GST may apply). No setup/exit fees; free transfers between portfolios.
- Single-ETF Flexible: flat 0.3% p.a. (no minimum).
Cash Solutions
- Simple: projected rate (updated periodically). 0.15% p.a. management fee; underlying fund expenses net of rebates are already reflected in the projected rate.
- Simple Guaranteed: fixed rate by tenor (1, 3, 6, 12 months); no management fee. Tenor lock-in applies until maturity.
Other Costs
- Underlying ETF/fund expense ratios (varies by instrument; some fund trailers are rebated 100% to clients on eligible portfolios).
- FX conversion spread when buying non-SGD instruments.
Portfolio Line-up & Methodology
StashAway’s Economic Regime-based Asset Allocation (ERAA®) adjusts portfolios across regimes (e.g., inflationary growth, disinflation) and re-optimises when macro/valuation signals shift. Day-to-day rebalancing and periodic re-optimisation keep risk near your selected StashAway Risk Index (SRI).
- General Investing: globally diversified ETFs across equities, bonds, commodities.
- BlackRock-powered: strategic models built with BlackRock’s research.
- Responsible (ESG): ESG-tilted ETF exposures.
- Income: bond-fund portfolios with flexible payout options; trailer fees rebated.
- Singapore Investing: SGD-based, conservative allocation to local assets.
- Thematic: optional tilts (e.g., tech enablers, healthcare).
- Flexible: build or focus with Single-ETF portfolios.
Funding, SRS & Withdrawals
- SGD deposits: Transfer via FAST with your unique reference shown in-app; or link a bank using eGIRO for convenient top-ups.
- Timing: Personal-fund deposits typically post in 1–2 business days; SRS deposits ~2–3 business days.
- SRS: Support for DBS/OCBC/UOB SRS; schedule automatic pulls from your SRS account.
- Withdrawals: Free; typical bank posting times apply.
How to Open an Account
- Sign up and verify identity (Singpass/MyInfo or manual KYC).
- Choose a portfolio and select your SRI risk level.
- Fund via FAST or set up eGIRO / schedule SRS contributions.
- Track, deposit regularly, and review SRI as goals change.
Regulation & Safety
- Regulator: Asia Wealth Platform Pte. Ltd. (StashAway brand) is licensed by MAS (CMS100604).
- Operations: Portfolios invest in liquid ETFs/funds held with third-party custodians; client assets are kept separate from corporate funds.
Frequently Asked Questions
What are the management fees?
0.2%–0.8% p.a. (tiered by AUM). Single-ETF Flexible is 0.3% p.a. flat. No setup/exit fees; rebalancing/re-optimisation included.
Is there a minimum to start?
No SGD minimum. For USD deposits, the minimum is typically US$10,000.
How do the cash portfolios work?
Simple targets a projected rate (not guaranteed; changes over time). Simple Guaranteed offers a fixed rate by tenor (1–12 months) with no management fee; funds are locked until maturity.
Can I invest with SRS?
Yes. Create an SRS portfolio in-app and set automatic pulls from your SRS account at DBS/OCBC/UOB.
Does StashAway rebate trailer fees?
For eligible fund-based portfolios (e.g., Income), 100% of trailer fees received are rebated to clients; only the management fee applies.
Disclaimer: This content is for education, not financial advice. Markets, fees, projected/guaranteed rates, promos and platform features can change; confirm the latest details in the StashAway app/site before investing.