Best Robo-Advisors Singapore 2026: Fees, Returns and Which to Choose
Updated April 2026 · 10 min read
Robo-Advisors: Automated Investing for Busy Singaporeans
Singapore has one of the most developed robo-advisor ecosystems in Asia. Platforms like Syfe, StashAway, and Endowus manage billions in assets, offering globally diversified portfolios at a fraction of traditional advisory fees. For Singaporeans who want to invest but do not have time to manage their own portfolio, robo-advisors are the most accessible starting point. Use our investment calculator to project your robo-advisor portfolio growth.
Endowus: The CPF and SRS Advantage
Endowus is uniquely positioned as the only robo-advisor with CPF and SRS integration. You can invest your CPF OA (targeting returns above 2.5 percent) and SRS money through their platform without opening a separate brokerage account. For Singaporeans who want to put their CPF and SRS to work beyond the default interest rates, Endowus removes the complexity barrier.
For amounts above SGD 100,000, consider DIY ETF investing to save on management fees. Buy VWRA (Vanguard FTSE All-World) or IWDA (iShares Core MSCI World) directly through Interactive Brokers for the lowest total cost. Plan your strategy with our compound interest calculator and retirement calculator.
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Frequently Asked Questions
Which robo-advisor is best in Singapore?
Syfe for general investing (0.35 to 0.65 percent fee, flexible portfolios). Endowus for CPF and SRS investing (unique CPF/SRS integration). StashAway for beginners (user-friendly app, economic-based allocation). All are MAS-regulated and offer global diversified portfolios.
How much do robo-advisors charge?
Management fees range from 0.20 to 0.80 percent per year depending on the platform and investment amount. Plus underlying ETF or fund fees of 0.10 to 0.40 percent. Total cost: 0.30 to 1.20 percent — far less than traditional financial advisors charging 1.5 to 2.5 percent.
Can I invest CPF through a robo-advisor?
Yes. Endowus is the only robo-advisor that allows CPF OA and SA investment. You can invest CPF OA in Endowus portfolios targeting returns above the 2.5 percent OA interest rate. This is one of the most convenient ways to invest CPF without a separate brokerage account.
Robo-advisor vs DIY ETF investing?
Robo-advisors charge 0.20 to 0.65 percent extra per year for convenience, rebalancing, and portfolio management. On SGD 100,000, that is SGD 200 to 650 per year. DIY ETF investing (buying VWRA or IWDA directly) saves this fee but requires manual investing and rebalancing. For amounts under SGD 100,000, robo-advisors may be more cost-effective due to no brokerage fees.
Are robo-advisors safe in Singapore?
All major platforms (Syfe, StashAway, Endowus, AutoWealth) are licensed and regulated by MAS. Client assets are held in segregated accounts by custodians. Even if the robo-advisor company fails, your investments are protected.