StashAway vs Syfe vs AutoWealth 2026: Best Robo-Advisor Singapore

Last updated: June 29, 2026

Choosing the right robo-advisor in Singapore matters for your long-term wealth. StashAway, Syfe, and AutoWealth lead the market. Each offers different fees, strategies, and portfolio options. This guide compares all three to help you pick the best one for automated investing in Singapore.

Quick Comparison: StashAway vs Syfe vs AutoWealth 2026

Feature	StashAway	Syfe	AutoWealth
Management Fee	0.2% to 0.8% per year	0% to 0.65% per year	0.5% per year
Minimum Investment	SGD 0	SGD 0 (most portfolios)	SGD 3,000
Investment Strategy	ERA (regime-based asset allocation)	Global equity, REITs, income	Passive index tracking via MPT
Asset Classes	Global ETFs, bonds, commodities	Global ETFs, S-REITs, bonds	Global ETFs (low-cost passive)
Automated Rebalancing	Yes	Yes	Yes
SRS-Eligible	Yes	Yes	Yes
MAS Licensed	Yes (CMS License)	Yes (CMS License)	Yes (CMS License)

StashAway Review Singapore 2026

StashAway launched in 2016 and is one of Singapore’s most established robo-advisors. It is licensed by the Monetary Authority of Singapore (MAS). The platform uses a strategy called Economic Regime-based Asset Allocation (ERA). This adjusts your portfolio based on market conditions.

StashAway Fees Breakdown

StashAway uses tiered management fees based on your total assets:

• 0.2% per year for the first SGD 25,000
• 0.4% per year for SGD 25,001 to SGD 50,000
• 0.6% per year for SGD 50,001 to SGD 100,000
• 0.8% per year for amounts above SGD 100,000

For a SGD 150,000 portfolio, the effective blended rate is about 0.45% per year. Smaller portfolios benefit from the lower tiers. Larger portfolios pay more.

StashAway Portfolios

StashAway offers nine pre-built portfolios. They range from conservative to aggressive:

• General Investing: Balanced global portfolios at different risk levels
• Thematic Portfolios: Focus on trends like AI, clean energy, and healthcare
• Defensive: Lower-risk portfolios with more bonds

The ERA strategy moves money between equities, bonds, and cash. It uses economic indicators to decide when to be more aggressive or defensive.

StashAway Pros and Cons

Pros:

• No minimum investment makes it great for beginners
• Lower tiered fees help small portfolios
• Wide range of thematic and general portfolios
• Well-established platform with strong MAS regulation
• Easy-to-use mobile app and web interface

Cons:

• Higher fees for portfolios above SGD 100,000
• Limited Singapore-specific portfolio options
• No direct CPF integration
• ERA strategy may lag in strong bull markets

Syfe Review Singapore 2026

Syfe launched in 2019 and quickly grew to become one of Singapore’s largest robo-advisors. The platform offers diverse strategies. These include passive global equity tracking and income portfolios with Singapore REITs.

Syfe Fees Breakdown

Syfe’s fees vary by portfolio type:

• Income+: 0% fee for the first SGD 30,000, then 0.4% per year
• Global Equity (GEQ): 0.4% per year
• Singapore Equity (STEER): 0.4% per year
• REIT+: 0.4% per year
• Balanced Income: 0.4% to 0.65% per year

The zero-fee offer on Income+ for the first SGD 30,000 is a strong advantage. It makes Syfe very attractive for income investors with smaller amounts.

Syfe Portfolios

Syfe stands out with its portfolio range:

• Global Equity (GEQ): Tracks global markets via low-cost ETFs
• REIT+: Focuses on Singapore and global REITs for income
• Income+: High-yield income with bonds and dividend stocks
• Dividend+: Focuses on quality dividend-paying stocks
• Defensive: Lower-risk fixed income options

Syfe Pros and Cons

Pros:

• Zero fee on Income+ for first SGD 30,000
• Diverse portfolios including Singapore REIT strategies
• Strong income and dividend offerings
• Competitive fees across all portfolio types
• MAS licensed and well regulated

Cons:

• No minimum can lead to fragmented portfolios
• Some portfolios charge 0.65%
• Fewer thematic options than StashAway
• Interface may overwhelm absolute beginners

AutoWealth Singapore Fees and Features

AutoWealth takes a different approach. It focuses on passive index investing based on Modern Portfolio Theory (MPT). Instead of active management, AutoWealth builds globally diversified portfolios using low-cost ETFs.

AutoWealth Fee Structure

AutoWealth charges a flat 0.5% per year on your total portfolio. This fee stays the same regardless of portfolio size. Unlike StashAway’s tiers, there are no breakpoints.

You need SGD 3,000 minimum to open an account. This is higher than StashAway or Syfe. ETF expense ratios (about 0.1% to 0.3%) are separate charges from the ETF providers.

AutoWealth Investment Approach

AutoWealth uses a straightforward passive strategy:

• Globally diversified ETF portfolio based on your risk tolerance
• Automatic rebalancing to maintain target allocations
• Low-cost index tracking across developed and emerging markets
• Focus on long-term wealth building

AutoWealth Pros and Cons

Pros:

• Simple, transparent fee at 0.5% flat
• True passive approach with low underlying ETF costs
• Great for “set and forget” investors
• Strong focus on long-term index returns

Cons:

• Higher minimum of SGD 3,000
• Fewer portfolio options than StashAway or Syfe
• No income-focused or dividend portfolios
• Flat fee is less attractive for small portfolios
• Less educational content than competitors

Robo-Advisor Performance Comparison

Past performance does not guarantee future results. But historical data gives useful context:

• StashAway: The ERA strategy reduced drawdowns during corrections. But it may lag during long bull runs.
• Syfe: Global Equity portfolios tracked broad indices closely. Income+ delivered 4% to 6% annual yields.
• AutoWealth: Passive index approach returns mirror global markets minus fees.

For low fees and market returns, AutoWealth is efficient. For income or thematic exposure, Syfe and StashAway offer more options. According to the MAS regulations, all licensed robo-advisors must segregate client assets from company funds.

Which Robo-Advisor Should You Choose?

Choose StashAway If:

• You want many portfolio options including thematic strategies
• You have a smaller portfolio and benefit from lower tiered fees
• You prefer a more active, regime-based approach
• You want to invest in trends like AI and clean energy

Choose Syfe If:

• You want zero fees on your first SGD 30,000 with Income+
• You want dividend income and Singapore REIT exposure
• You want diverse options spanning equity, income, and defensive
• You value a strong Singapore-market focus

Choose AutoWealth If:

• You want a simple, low-cost passive strategy
• You have at least SGD 3,000 to invest
• You prefer a “set and forget” approach
• You believe in long-term index investing

Key Factors for Choosing a Robo-Advisor in Singapore

Look beyond fees when comparing these platforms:

Regulation and Safety

All three are licensed by MAS with Capital Markets Services (CMS) licenses. Your investments are held separately from company assets. This protects you if the platform fails. But note: investments are not covered by SDIC deposit insurance.

Tax Implications

Singapore does not tax capital gains, as confirmed by the IRAS and MAS tax guidelines. This benefits all robo-advisor investors. Dividends from local stocks may face withholding tax. Foreign dividends in ETFs may face withholding tax in their country of origin.

SRS and CPF Integration

StashAway, Syfe, and AutoWealth all accept Supplementary Retirement Scheme (SRS) funds. This makes them good options for tax-advantaged retirement investing. None currently support CPF Ordinary Account or Special Account investing directly.

Detailed Fee Comparison: Which Robo-Advisor Saves You More?

Understanding the true cost of each platform requires looking beyond the headline management fee. Here is a detailed breakdown of what you would pay at different portfolio sizes.

Fees on a SGD 10,000 Portfolio

At this level, StashAway charges just 0.2% or SGD 20 per year. Syfe Income+ charges nothing for the first SGD 30,000. AutoWealth charges 0.5% or SGD 50 per year. For small portfolios, Syfe is the clear winner on fees.

Fees on a SGD 50,000 Portfolio

StashAway’s blended fee works out to about 0.36% or SGD 180 per year. Syfe Income+ would cost 0.4% on the amount above SGD 30,000, totaling about SGD 80 per year. AutoWealth charges 0.5% or SGD 250 per year. Syfe remains the cheapest at this level.

Fees on a SGD 100,000 Portfolio

StashAway’s blended fee reaches about 0.42% or SGD 420 per year. Syfe’s cost depends on the portfolio but averages 0.4% or SGD 400 per year. AutoWealth charges 0.5% or SGD 500 per year. The gap between platforms narrows at this portfolio size.

Fees on a SGD 200,000 Portfolio

StashAway’s effective rate climbs to about 0.51% or SGD 1,020 per year. Syfe charges about 0.4% or SGD 800 per year. AutoWealth charges 0.5% or SGD 1,000 per year. At this level, Syfe offers the best value.

The key takeaway is that Syfe’s zero-fee Income+ gives it a significant edge for income investors with portfolios under SGD 50,000. For larger portfolios, the differences become smaller, and other factors like portfolio quality and strategy should drive your decision.

Understanding Each Platform’s Investment Strategy

StashAway ERA Strategy Explained

StashAway uses its proprietary ERA framework to manage portfolios. The system monitors over 100 economic indicators. These include GDP growth, inflation, interest rates, and employment data. When the economy is growing, ERA shifts toward equities. When risks rise, it moves toward bonds and cash.

This approach aims to protect your portfolio during downturns. But it can also mean missing out on some gains during strong bull markets. The strategy has shown its value during the 2020 market crash, where ERA-protected portfolios had smaller losses than pure equity benchmarks.

Syfe Multi-Strategy Approach

Syfe offers more strategy variety than any competitor. You can choose from passive global equity tracking to active income generation. The platform also provides Singapore-specific options like REIT+ and STEER. These focus on local market opportunities that other robo-advisors do not cover.

The Income+ portfolio is particularly popular. It combines high-yield bonds, dividend stocks, and REITs to generate regular income. The zero-fee offer on the first SGD 30,000 makes it very attractive for retirees and income-focused investors.

AutoWealth Passive Index Approach

AutoWealth follows a simple philosophy. It believes that low-cost passive investing outperforms most active strategies over the long term. The platform builds globally diversified portfolios using ETFs that track major indices.

The focus is on keeping costs low and staying invested for the long haul. AutoWealth does not try to time the market or make tactical allocation changes. This “boring” approach can be very effective for investors who can stay the course through market ups and downs.

Robo-Advisor Singapore: Safety and Regulation

All three platforms are regulated by MAS under the Securities and Futures Act. This provides important investor protections:

• License requirements: Each platform must meet strict capital and operational requirements
• Asset segregation: Your investments are held separately from the company’s own money
• Regular reporting: Platforms must report to MAS and undergo regular audits
• Complaint handling: You have recourse through MAS if you have disputes

However, remember that robo-advisor investments are not insured. Unlike bank deposits up to SGD 100,000 covered by SDIC, your investment portfolio has no government guarantee. Market losses are your own. Always invest only money you can afford to leave invested for the long term.

Tax Considerations for Robo-Advisor Investors in Singapore

Singapore’s tax system is favorable for investors using robo-advisors:

• No capital gains tax: Profits from selling investments are not taxed
• No dividend tax on local stocks: Singapore-listed stock dividends are generally tax-free
• Foreign withholding tax: ETFs investing in US stocks may face 30% withholding tax on dividends
• SRS tax benefits: Investing through SRS can reduce your taxable income significantly

To maximize tax efficiency, consider using SRS funds for your robo-advisor investments. You get a tax deduction on your SRS contributions. When you withdraw after age 62, only 50% of the withdrawal is taxable. This makes SRS-based robo-advisor investing very tax-efficient for retirement planning.

Frequently Asked Questions

What is the minimum amount to start investing with StashAway, Syfe, or AutoWealth?

StashAway and Syfe have no minimum investment requirement. They are great for beginners. AutoWealth requires SGD 3,000 minimum. We suggest starting with at least SGD 1,000 for proper diversification across these platforms.

Are robo-advisors in Singapore safe and regulated?

Yes. All three are licensed and regulated by MAS. They hold CMS licenses and must separate client assets. But returns are not guaranteed and capital is at risk. Robo-advisor investments are not covered by SDIC deposit insurance.

Can I use CPF or SRS money with these robo-advisors?

All three accept SRS funds. But none support direct CPF investing from OA or SA. SRS contributions reduce your taxable income. This makes it an efficient way to invest for retirement.

Which robo-advisor has the lowest fees in Singapore?

It depends on your portfolio size. Syfe offers zero fees on Income+ for the first SGD 30,000. For portfolios over SGD 100,000, Syfe and AutoWealth are often cheaper than StashAway. StashAway is cheapest for portfolios under SGD 25,000 at 0.2%.

How do robo-advisors compare to DIY ETF investing?

Robo-advisors give you convenience, auto-rebalancing, and professional portfolios. DIY ETF investing may cost less if you manage it yourself. For beginners or hands-off investors, robo-advisors like StashAway, Syfe, and AutoWealth are great value. Learn more in our Singapore ETF investment strategy guide.

Key Takeaways

• StashAway suits investors who want diverse portfolios, thematic strategies, and lower fees on smaller accounts
• Syfe stands out with zero fees on Income+ for the first SGD 30,000 and strong income portfolios
• AutoWealth is ideal for passive investors who want simplicity and a flat 0.5% fee
• All three are MAS-licensed, offer SRS integration, and provide auto-rebalancing
• The best robo-advisor depends on your goals, portfolio size, and strategy preference

Conclusion

There is no single “best” robo-advisor in Singapore. StashAway, Syfe, and AutoWealth each serve different investors well. If you want low fees and simplicity, AutoWealth or Syfe Income+ may work best. If you want portfolio variety and themes, StashAway has the widest selection. For income-focused investors, Syfe REIT+ and Income+ are strong choices.

Start with the platform that fits your goals. Reassess as your portfolio grows. You can also split investments across platforms to use each one’s strengths. Automated investing through a licensed robo-advisor is a smart step toward building long-term wealth in Singapore.