Quick answer: The best robo advisors in Singapore cover every kind of investor. StashAway and Syfe offer low-barrier, flexible portfolios; Endowus puts CPF and SRS funds into institutional-grade funds; DBS digiPortfolio and OCBC RoboInvest keep things bank-simple. AutoWealth brings human advisors into the mix, and Kristal.AI opens access to private-wealth asset classes.
You have spare cash earning next to nothing in a savings account—robo advisors put that money to work. The trick is matching your style to the platform’s fees, minimums, and what it actually invests in. Whether you are parking idle cash, boosting your CPF, or betting on a sector you believe in, the right robo advisor makes your dollars clock in while you lepak. That is clever spending.
For the full picture, Best Investing & Insurance in Singapore collects 26 guides on this subject.
StashAway
StashAway runs on an adaptive investment framework that adjusts your asset mix when economic conditions shift – you do not need to lift a finger.
Portfolios cover General Investing, Thematic plays, Income strategies, and ESG allocations. There is also StashAway Simple, a cash management option with projected yields up to 5% p.a. For most portfolios there is no minimum starting amount, and management fees run from 0.2% to 0.8% p.a., depending on how much you park with them. The underlying investments span ETFs, equities, and bonds across global markets.
The real draw is how hands-off it feels. The app is clean, the risk questionnaires are thorough without being tedious, and the platform rebalances automatically. If you have been procrastinating on investing because it all seems too leh cheh, StashAway removes the friction.
Online-only. Reach them at +65 9877 0801 or visit StashAway.
Best for someone who wants growth without playing fund manager every quarter. The adaptive model also appeals if you worry about getting your market timing wrong.
Solid choice if you like a portfolio that shifts gears when the economy changes, all without you moving a muscle. Suits the busy professional. No minimum for most accounts means you can start small. Their cash management option gives your rainy-day fund a decent kick—park some there and let it grow.
Endowus
Endowus is the robo advisor you turn to when you want your CPF or SRS balances pulling their weight in global funds, fee-only and without sales charges eating into returns.
They offer managed portfolios – Flagship, ESG, and Income – plus a Fund Smart option for custom allocations. Minimum starts at S$1,000 and fees range from 0.25% to 0.60% p.a. What really sets them apart is that they rebate trailing commission fees back to your account, which compounds meaningfully over time. Exposure runs across equities, bonds, and alternatives with top-tier global fund managers.
MAS-regulated with a clear, evidence-based approach, Endowus is as transparent as they come. Having the option to WhatsApp them at +65 3129 0038 makes the whole thing feel more human, even though the management itself is systematic.
Office at 158 Cecil Street, #08-01, Singapore 069545. Call +65 3138 9167 or visit Endowus.
Suits anyone with CPFIS or SRS funds they want invested without the usual sales-layer costs. Also a strong pick if you prefer a fee-only model where the advisor’s interests align with yours.
This is an editorial round-up, not a paid directory. Think we have missed somewhere? Tell us what you do and why it belongs here.
Put your CPF and SRS money to work harder, finally free of sales charges that nibble away. The fee rebate on trailers is a nice touch. Start with a grand and you are in. If you treat your CPF like serious wealth, this is the platform that respects every cent.
Syfe
Syfe mixes a robo advisor with a brokerage, so you can hold managed portfolios and dabble in individual stocks – all inside one app.
Core and Custom portfolios do the heavy lifting across ETFs, equities, bonds, and REITs, while Cash+ gives you up to 4.2% p.a. on idle cash. Most portfolios have no minimum, and fees sit between 0.25% and 0.65% p.a. The brokerage side covers US, Singapore, and Hong Kong markets for those who want to pick shares themselves.
The interface is intuitive, and the multi-factor methodology means your money is not just following market-cap weightings blindly. It is a solid setup for someone who likes having options without feeling overwhelmed.
Online-only. Call +65 3138 1215 or visit Syfe.
Good for new investors who want to start small and for anyone who enjoys a bit of stock-picking alongside a managed core.
Syfe gives you both the managed portfolio and the thrill of picking individual stocks, all in one app. Cash+ is where you park spare monies that you might want to invest later, earning a decent clip while you decide. No minimum to start, so you can test the waters without committing to a big splash.
AutoWealth
AutoWealth takes a passive, institutional-grade approach that echoes how large corporate treasuries invest – steady, boring in the best way, and with a real person you can call.
Starter, Plus+, and Flexi Cash portfolios all draw on global ETFs in equities and bonds. The minimum is S$1,000, with a management fee of 0.5% p.a. plus a flat USD$18 platform fee. Human advisor support is baked in, which is rare among robo advisors and reassuring when markets get choppy.
If you are also looking at individual shares, our guide to Stocks to Invest in Singapore may help round out your plan.
Online-only. Visit AutoWealth.
Best for investors who want passive, long-term growth and appreciate knowing there is a human on standby. The flat platform fee structure also works well for larger portfolios, since it does not scale with your balance.
AutoWealth feels like the trusted uncle who manages the family coffers—steady, no fuss, and a real person at the end of a phone. If you prefer global ETFs and a boring-but-reliable approach, this one. The built-in human advisor is a rare thing among robo platforms, for those who like a voice on the other end.
Kristal.AI
Kristal.AI goes beyond the standard robo-advisor playbook, offering access to commodities, fixed income, and strategies that usually sit behind private-wealth doors.
The platform covers commodities, ETFs, equities, and fixed income, with fees from 0% to 0.30% p.a. plus brokerage. AI-driven recommendations tailor the portfolio, and there are features specifically for accredited investors who want more than broad-market exposure. Minimums vary by strategy.
For income-focused investors, our round-up of Dividend Stocks in Singapore covers a different angle worth exploring.
Online-only. Visit Kristal.AI.
Suits higher-net-worth individuals and accredited investors who want a robo advisor with reach into alternative assets and thematic allocations.
Kristal.AI opens doors to commodities and strategies usually reserved for private-wealth clients. If you are an accredited investor, the AI-driven picks and low management fees let you dabble in more exotic fare without the usual entry barriers. A solid addition for anyone with a taste for alternatives.
DBS digiPortfolio
DBS digiPortfolio is the robo advisor built into the DBS ecosystem – bank-backed, low-fuss, and accessible right from your digibank app.
Asia, Global, and Income portfolios are built with ETFs and managed by DBS’s investment team. You can start with as little as S$100, and fees range from 0.25% to 0.85% p.a. Everything sits inside your existing DBS account, so there is no new login to remember or app to download.
Phone banking at 1800 111 1111 (24/7, emergency from 12am-8am). Address: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982. Branch hours and locations are on the DBS locator. More at DBS digiPortfolio.
Ideal for DBS customers who want a simple, trusted entry into automated investing without leaving the banking app. The S$100 minimum makes it easy to test the waters.
DBS digiPortfolio lives inside your digibank app, so no new logins to remember. With just S$100, you can tap into portfolios managed by the bank’s investment team. It is the closest thing to a fuss-free robo for loyal DBS customers who want everything under one roof.
OCBC RoboInvest
OCBC RoboInvest gives you automatic, bank-backed portfolios with a thematic twist – think tech, electric vehicles, and other sector bets you believe in.
Both risk-based and sector-focused portfolios are on offer, drawing from ETFs, equities, and REITs across multiple markets. The minimum is USD$100, with a flat 0.88% p.a. management fee. Automated rebalancing keeps your exposure in line without any manual intervention.
If you prefer a human advisor, take a look at the Wealth Management Consultants in Singapore we have profiled.
Phone 1800 363 3333 (24/7). Address: 65 Chulia Street, OCBC Centre, Singapore 049513. Branch hours at OCBC locations. Visit OCBC RoboInvest.
Suits OCBC account holders and investors who have a clear view on specific sectors and want a hands-off way to back them. The flat fee structure is easy to understand at a glance.
This is an editorial round-up, not a paid directory. Think we have missed somewhere? Tell us what you do and why it belongs here.
How to choose a robo advisor in Singapore
Not all robo advisors work the same way, and the right one depends more on your setup than on some universal “best”. Start with what you are investing – cash, CPF, SRS, or a mix. Endowus is the only one here that fully integrates CPF and SRS, so if that is your main pool, your shortlist shrinks fast.
Then look at fees. Most platforms charge a percentage of assets under management, typically between 0.2% and 0.88% p.a. Some, like AutoWealth, add a flat platform fee on top – worth comparing if your portfolio is larger. A 0.5% fee on $50,000 is $250 a year; on $500,000 it is $2,500. Small differences compound, so do the maths.
Minimum investment amounts vary widely. StashAway and Syfe let you begin with no minimum on most portfolios, while DBS digiPortfolio opens at S$100 and OCBC RoboInvest at USD$100. Endowus and AutoWealth ask for S$1,000. Starting small does not lock you into a platform forever, but choose one you can see yourself staying with as your balance grows.
Think about how hands-off you really want to be. Most robo advisors rebalance automatically, but only StashAway actively shifts the whole asset mix in response to economic data. Others follow a more static allocation. If you want to pick individual stocks on the side, Syfe’s brokerage integration saves you one extra app. If speaking to a human advisor matters, AutoWealth includes that support.
Bank integration matters for convenience. DBS digiPortfolio and OCBC RoboInvest sit inside their respective banking apps, which means one fewer login and a single dashboard for your cash, investments, and tracking. If you already bank there, the onboarding is practically instant.
Those exploring cash alternatives might also want to compare Money Market Fund Providers in Singapore or Time Deposit Providers in Singapore for different risk and liquidity profiles.
Comparison at a glance
| Platform | Minimum Investment | Management Fee | Key Features | Best For |
|---|---|---|---|---|
| StashAway | No minimum (most portfolios) | 0.2% – 0.8% p.a. | Adaptive framework, cash management up to 5% p.a., ESG options | Hands-off growth, adaptive allocation |
| Endowus | S$1,000 | 0.25% – 0.60% p.a. | CPF/SRS integration, fee rebates, Fund Smart | CPFIS/SRS investors, fee-conscious |
| Syfe | No minimum (most portfolios) | 0.25% – 0.65% p.a. | Cash+ up to 4.2%, brokerage for US/SG/HK | Hybrid investors, low starting barrier |
| AutoWealth | S$1,000 | 0.5% p.a. + USD$18 platform fee | Human advisor support, institutional methodology | Passive long-term, human backup |
| Kristal.AI | Variable | 0% – 0.30% p.a. + brokerage | AI-driven, commodities, accredited investor features | High-net-worth, alternative assets |
| DBS digiPortfolio | S$100 | 0.25% – 0.85% p.a. | Bank-backed, Asia/Global/Income portfolios | DBS customers, small start |
| OCBC RoboInvest | USD$100 | 0.88% p.a. flat | Thematic sectors, automated rebalancing | Thematic bets, OCBC users |
Summary
A robo advisor takes the guesswork out of staying invested, and Singapore’s options now cover the full spectrum – from CPF integration and bank-backed simplicity to private-wealth access and brokerage combos. Which one clicks depends mostly on where your money sits today and how involved you want to be tomorrow. Pick the one that fits your current setup; you can always layer on more as your portfolio grows.
Details can change. Confirm fees, minimums, and features directly with the business before committing.
Frequently asked questions
OCBC RoboInvest is for the person who believes in a story—electric vehicles, tech, or other sector bets. The automated rebalancing keeps your exposure in check, and starting with just USD$100 means you can take a small punt without sleepless nights. Works well if you already bank with OCBC.
What is a robo advisor and how does it work?
A robo advisor is a digital platform that builds and manages an investment portfolio for you using algorithms. You answer a few questions about your goals and risk tolerance, and it spreads your money across ETFs, equities, bonds, or other assets, then rebalances automatically.
Are robo advisors safe in Singapore?
All the platforms listed here are regulated by the Monetary Authority of Singapore (MAS) or are offered by MAS-regulated banks. Investments are not guaranteed like bank deposits, but the platforms themselves operate under strict rules around client fund segregation and disclosure.
Can I use my CPF to invest with a robo advisor?
Only through platforms that support CPFIS. Endowus is the main robo advisor here with full CPF and SRS integration. Others may focus solely on cash investments.
What is a typical management fee for a robo advisor in Singapore?
Most charge between 0.2% and 0.88% per annum of assets under management. Some also have a flat platform fee or brokerage charges on top. Always check the total cost before you start.
What happens to my portfolio if the market drops?
Robo advisors rebalance your holdings to stay aligned with your chosen risk level. During a downturn, they may buy more of the assets that have fallen in value to maintain your target allocation – essentially buying low. You can typically adjust your risk profile if your circumstances change.
Can I withdraw my money anytime?
Yes, there are usually no lock-in periods. Selling and transferring funds back to your bank account typically takes a few days, depending on settlement times for the underlying assets.
