At a Glance: The Top Robo-Advisors in Singapore
For 2026, the leading robo-advisors for Singaporeans are Endowus, Syfe, StashAway, and MoneyOwl. Each targets different investor profiles, from beginners to experienced accumulators. Endowus leads with its fee-only, fund-based model and CPF/SRS integration. Syfe offers a broad range of portfolios including income-focused and thematic options. StashAway is known for its proprietary risk management framework and global diversification. MoneyOwl focuses on ethical investing and low costs with a strong emphasis on financial planning. The table below summarizes their key differences.
Feature-by-Feature Comparison
Pricing
Endowus charges a flat 0.30% annual advisory fee on assets under management (AUM) for cash investments, with fund-level fees varying (typically 0.05%–0.20%). For CPF and SRS accounts, the fee is 0.40% annually. Syfe’s fees start at 0.30% for the Core portfolio (cash) and 0.40% for CPF/SRS. Syfe also offers a thematic portfolio at 0.35% and a direct indexing service at 0.50%. StashAway charges a management fee that scales from 0.20% to 0.80% per year based on AUM tiers (lower fees for larger amounts), plus underlying fund fees averaging 0.12%. MoneyOwl charges a flat 0.30% advisory fee for its ESG-focused portfolios, with fund fees around 0.10%–0.20%. All platforms have no account opening or closure fees, though StashAway and Syfe have transaction fees for certain activities (e.g., early withdrawal from some portfolios) that vary by plan.
Ease of Use
All four platforms offer intuitive mobile and web interfaces. Endowus provides a straightforward sign-up with Singpass verification, but its emphasis on financial planning may require more initial input from users to set goals. Syfe’s app is highly streamlined with clear portfolio dashboards and a simple “set and forget” experience. StashAway’s platform includes a risk assessment tool that generates a personalized portfolio quickly, though its dashboard can feel data-heavy for beginners. MoneyOwl offers a clean, minimalist design with a strong financial planning module, but its focus on ethical investing may limit portfolio choices. Overall, Syfe and StashAway are the most beginner-friendly, while Endowus and MoneyOwl require slightly more engagement.
Integrations
Endowus stands out with direct CPF Ordinary Account (OA) and Special Account (SA) integration, as well as SRS account linking, allowing seamless transfers. It also supports joint accounts and multiple currency holdings. Syfe integrates with CPF and SRS but does not currently offer multi-currency accounts; it does, however, provide a cash management account with a competitive interest rate. StashAway supports CPF and SRS integration, and its StashAway Simple product offers a cash management option. MoneyOwl integrates with CPF and SRS but has limited multi-currency support. For external brokerages, none of the robos offer direct API integration, but all allow manual upload of statements for financial planning tools. Endowus and Syfe have the most robust integration with Singapore’s retirement accounts.
Support
Endowus provides email and in-app chat support, with response times typically within 24 hours on business days. It also offers a comprehensive knowledge base and regular webinars. Syfe’s support includes email, live chat, and phone lines during market hours; its customer service is generally rated as responsive. StashAway offers email and chat support, with a help center that includes detailed articles and video guides; phone support is limited to priority clients. MoneyOwl provides email and chat support, with a strong focus on financial coaching (paid separately) for more personalized advice. All platforms have limited weekend support. Syfe and Endowus tend to have the fastest response times for basic queries.
Best For
Endowus is best for investors who want to maximize CPF/SRS returns and prefer a fee-only, fund-based approach with no hidden costs. Syfe is ideal for those seeking diverse portfolio options, including thematic investing and direct indexing, with a user-friendly experience. StashAway suits investors who value a sophisticated risk management framework and global diversification, especially those with larger portfolios who can benefit from tiered fee reductions. MoneyOwl is best for ethically-minded investors who want low-cost, ESG-focused portfolios and access to comprehensive financial planning tools.
Verdict: Which One for Whom
For working adults and young professionals in Singapore, the choice depends on your primary goal. If you prioritize CPF and SRS optimization with transparent, low fees, Endowus is the clear leader. If you want a simple, all-in-one platform with a variety of portfolio types—including income and thematic options—Syfe offers the best balance of ease and choice. If you are a hands-off investor seeking a robust, algorithm-driven approach to risk management, StashAway’s proprietary system is compelling, especially for larger sums. For those who want to align investments with personal values and get integrated financial planning, MoneyOwl provides a strong ethical focus. No single platform dominates every category; rather, each excels in specific niches. New investors may start with Syfe or StashAway for their simplicity, while experienced accumulators might gravitate toward Endowus for its CPF/SRS capabilities. Ultimately, the best robo-advisor is the one that fits your investment horizon, fee sensitivity, and ethical preferences.
Frequently Asked Questions
1. Are robo-advisors safe in Singapore?
Yes, all licensed robo-advisors in Singapore are regulated by the Monetary Authority of Singapore (MAS) and must meet strict capital and custody requirements. Your investments are held in segregated accounts with independent custodians, and they are covered by the Securities Investors Protection scheme up to S$50,000 per person per institution, though this applies only to cash held in certain accounts, not market losses.
2. Can I use CPF or SRS funds with these robo-advisors?
Endowus, Syfe, StashAway, and MoneyOwl all support CPF Ordinary Account (OA) and Special Account (SA) as well as Supplementary Retirement Scheme (SRS) investments. However, each platform has specific eligibility rules and minimum investment amounts for these accounts, which vary by plan. Endowus offers the most seamless integration.
3. What are the minimum investment amounts?
Minimums vary: Endowus requires S$1,000 for cash portfolios and S$1 for CPF/SRS. Syfe’s minimum is S$100 for cash and S$1,000 for CPF/SRS. StashAway’s minimum is S$500 for cash and S$1,000 for CPF/SRS. MoneyOwl requires S$1,000 for cash and S$500 for CPF/SRS. Always check the latest terms on each platform.
4. Which robo-advisor has the lowest fees?
Endowus and MoneyOwl have the lowest advisory fees at 0.30% per year, but total fees including underlying fund costs can range from 0.35% to 0.50%. Syfe and StashAway start at similar levels but may have higher fees for certain portfolios or larger AUM. For pure cost, Endowus is generally the cheapest for cash investments, while MoneyOwl is competitive for ESG portfolios.
5. Can I withdraw my money anytime?
Yes, you can withdraw cash from all robo-advisors at any time without penalty, though processing times range from 1 to 5 business days. For CPF and SRS accounts, withdrawals are subject to CPF Board rules and may incur tax implications for SRS funds before retirement age. Some platforms may have early withdrawal fees for certain managed portfolios, so review the terms carefully.