Singapore Robo Advisor Comparison 2026: Endowus vs Syfe vs Stashaway

Last updated: July 2026 | SeaMoneyTips

This Singapore robo advisor comparison breaks down the three biggest platforms – Endowus, Syfe, and Stashaway – so you can pick the right automated investing tool for your money. We compare fees, portfolios, minimum investments, and features to help Singaporeans decide where to grow their savings in 2026.

Summary

Endowus, Syfe, and Stashaway are the three most popular robo advisors in Singapore, all licensed by the Monetary Authority of Singapore (MAS). Endowus charges the lowest all-in fee (0.4 to 0.8 percent) and is best for CPF and SRS investing. Syfe offers the widest product range including REITs and Bitcoin ETFs. Stashaway is the simplest to start with no minimum and a strong default portfolio. For most Singaporeans, Endowus wins on cost, Syfe wins on variety, and Stashaway wins on ease of use.

What Is a Robo Advisor?

A robo advisor is a digital investment platform that uses algorithms to build and manage your portfolio automatically. Instead of paying a human financial advisor one to two percent of your assets each year, you pay a robo advisor between 0.2 and 0.8 percent. The platform picks low-cost exchange-traded funds (ETFs), rebalances your holdings, and reinvests dividends without you lifting a finger.

In Singapore, robo advisors are regulated by the MAS under the Securities and Futures Act. They must hold a Capital Markets Services licence and keep client assets segregated from their own balance sheet. This means even if the platform shuts down, your money and investments remain safe with a third-party custodian bank. You can verify the licensing status of any Singapore robo advisor on the MAS financial institutions directory.

Why Use a Robo Advisor in Singapore?

Singaporeans have more cash sitting in low-interest bank accounts than ever. The average CPF Ordinary Account balance earns 2.5 percent, but many bank accounts pay less than 0.5 percent. A robo advisor lets you put idle cash to work in a globally diversified portfolio without learning how to pick stocks or time the market.

The biggest draw is hands-off investing. You set up a recurring transfer, and the platform handles allocation, rebalancing, and tax-loss harvesting where available. This works well for beginners, busy professionals, and anyone who wants exposure to global markets without spending weekends on research.

Endowus: Best for CPF and SRS Investing

Endowus is the only robo advisor in Singapore licensed to manage CPF Investment Scheme (CPFIS) and Supplementary Retirement Scheme (SRS) funds. If you want to invest your CPF OA savings or SRS money through a robo advisor, Endowus is currently your only option.

Key Features

• Access to institutional share class funds normally reserved for million-dollar investors
• Cash, SRS, and CPFIS portfolios all in one account
• Fee rebate of up to 0.4 percent on fund-level fees through Endowus Fee Rebate
• Goal-based portfolios for retirement, children, and housing

Endowus Fees

Endowus charges a flat advisory fee that starts at 0.4 percent for investments above $200,000 and rises to 0.8 percent for the first $200,000. The average fund-level fee after rebate is around 0.3 to 0.5 percent, bringing the total cost to roughly 0.6 to 1.2 percent depending on portfolio size. This is the lowest all-in cost among the three platforms reviewed here.

Learn more about CPF investing in our guide to CPF OA investment options in Singapore.

Syfe: Best for Product Variety

Syfe offers the widest range of products among Singapore robo advisors. In addition to standard diversified portfolios, Syfe lets you invest in Singapore REITs, fixed-income portfolios, and even Bitcoin ETFs. This makes it a strong pick if you want more control over what you own.

Key Features

• REIT portfolio with monthly dividend payouts
• Fixed income portfolios targeting stable yields
• Bitcoin and crypto-ETF exposure for Singapore investors
• No minimum investment to start
• Tiered pricing from 0.35 to 0.65 percent

Syfe Fees

Syfe uses tiered pricing. Investments below $20,000 are charged 0.65 percent per year. Between $20,000 and $100,000 the fee drops to 0.5 percent, and above $100,000 it falls to 0.35 percent. Syfe does not charge trading, deposit, or withdrawal fees. Fund-level expense ratios apply on top, typically 0.15 to 0.25 percent.

If you want broader passive exposure, see our guide on Singapore REIT investment for beginners.

Stashaway: Best for Beginners

Stashaway is the easiest of the three to set up. There is no minimum deposit, and the onboarding takes under ten minutes. Stashaway uses a proprietary risk index called the Economic Regime Asset Allocation (ERAA) model, which shifts portfolio exposure based on macroeconomic signals.

Key Features

• No minimum investment
• StashAway Simple for cash management at competitive yields
• Thematic portfolios (clean energy, tech, healthcare)
• SRS account supported
• Goal-based investing with visual projections

Stashaway Fees

Stashaway charges 0.8 percent for balances up to $25,000, 0.7 percent for the next $25,000, 0.6 percent for the next $50,000, and 0.5 percent for amounts above $100,000. Fund-level fees average 0.15 to 0.3 percent, so total cost lands around 0.95 to 1.1 percent for smaller portfolios.

For those just starting out, our guide to investing in Singapore with $100 walks through the basics.

Singapore Robo Advisor Comparison: Fee Table

Which Robo Advisor Should You Pick?

Choose Endowus If

You want to invest CPF or SRS funds, you value low fees on larger balances, or you want access to institutional share class unit trusts. Endowus is the only licensed option for CPFIS robo investing in Singapore, making it the default choice for anyone using CPF OA savings.

Choose Syfe If

You want product variety beyond standard ETF portfolios. Syfe is ideal if you want Singapore REIT exposure, Bitcoin ETF access, or fixed-income yield portfolios, and you do not need CPFIS support.

Choose Stashaway If

You are a true beginner starting with a small amount and want the simplest onboarding experience. Stashaway also works well if you want a strong cash management product (StashAway Simple) alongside your investments.

For a deeper dive into CPF top-up tax relief, see our Singapore CPF top-up tax relief guide. If you prefer bonds, our Singapore Savings Bonds guide is a good starting point.

How to Open a Robo Advisor Account in Singapore

1. Compare platforms using the table above and pick one that matches your goal (CPF investing, REIT exposure, or beginner simplicity).
2. Sign up online with your Singpass or NRIC. Identity verification takes 5 to 15 minutes.
3. Link a funding source – most platforms accept FAST transfers from any Singapore bank. For Endowus, you can also link your CPFIS or SRS account.
4. Choose a portfolio based on your risk tolerance and time horizon. Most platforms ask a short questionnaire to recommend a risk allocation.
5. Set up a recurring transfer of $100 to $1,000 per month to take advantage of dollar-cost averaging.

For those exploring fractional shares, our Singapore fractional shares guide explains how partial investing works.

Tax Treatment of Robo Advisor Returns in Singapore

Singapore does not tax capital gains on the sale of stocks or ETFs. Dividends from Singapore-listed companies are also generally tax-free. However, dividends from foreign ETFs held through a robo advisor may be subject to foreign withholding tax at the source country, typically 15 to 30 percent. The robo advisor handles this automatically, but it does reduce your net return.

There is no Singapore goods and services tax (GST) charged on investment management fees for regulated financial services. Always confirm the latest tax rules on the IRAS website before filing.

Risks of Robo Advisors

Robo advisors invest in market-traded ETFs and unit trusts, which means your principal can go down. The platforms do not guarantee returns, and during market downturns portfolios can drop 20 to 40 percent depending on risk allocation. Make sure you understand your risk tolerance and only invest money you will not need in the next three to five years.

Platform risk is low because MAS requires client assets to be held by a third-party custodian, separate from the robo advisor’s own balance sheet. Even if the platform fails, your investments remain yours.

Frequently Asked Questions

Related: Singapore Baby Bonus Guide 2026: Complete Parental Financial Support

Key Takeaways

• Endowus is best for CPF and SRS investing with the lowest all-in fee above $200,000.
• Syfe offers the widest product range including REITs and Bitcoin ETFs.
• Stashaway is the simplest for beginners with no minimum and a strong default portfolio.
• All three platforms are MAS-licensed and hold client assets with independent custodians.
• Total cost (advisory fee plus fund expense ratio) ranges from 0.6 to 1.1 percent depending on platform and balance.

Conclusion

The right Singapore robo advisor depends on what you want to invest and how much involvement you want. Endowus wins on cost and CPF support, Syfe wins on product variety, and Stashaway wins on simplicity. Whichever you pick, the key is to start early, automate your contributions, and stay invested through market volatility. For more Singapore investing guides, check out our SSB guide and our endowment plan comparison.