Compare Singapore's most reputable robo-advisors for ETF, CPF, SRS, cash and managed portfolio investing.
Reviewed by our editors · Updated July 2026 · How we rank
Our verdict: Endowus is the best robo-advisor in Singapore right now - best overall for cpf, srs and cash portfolios. Syfe runs it closest.
Robo-advisors in Singapore now range from independent digital wealth platforms to bank-backed managed portfolios. The main differences are not just fees, but whether the platform supports CPF and SRS, how transparent the portfolio construction is, how often portfolios are reviewed, and whether you can get human advisory support when markets get volatile.
For most investors, the best choice depends on funding source and investing style. Endowus is strongest for CPF and SRS access, Syfe and StashAway are easy all-rounders for cash investors, while bank and brokerage options suit people who prefer investing inside an existing financial institution.
“Best overall for CPF, SRS and cash portfolios.” - our editors
THEBESTSG STAFF REVIEW
Endowus is the most complete robo-advisor for Singapore investors who want to use CPF, SRS and cash in one place. What stands out is the platform's institutional fund access, clear fee positioning and serious focus on long-term asset allocation rather than short-term themes. The advisory team is also more visible than most digital platforms, which helps for investors who want guidance without going to a traditional bank RM. The trade-off is that it can feel more research-heavy and less instantly simple than the pure mobile-first apps.
Why Endowus made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns the top spot for its CPF and SRS capability, transparent rebate model, strong fund menu and credible advisory infrastructure, making it the most useful platform for broad Singapore wealth planning.
Endowus is a Singapore-headquartered digital wealth platform best known for combining advised portfolios with CPF, SRS and cash investing. It offers flagship, income, cash management and fund selection options, including access to more than 400 funds. The platform emphasises conflict-free advice by rebating trailer fees from fund managers back to clients, and its advisors are MAS licensed. Endowus also states that client assets are held in the investor's own name through its custody arrangement with UOB Kay Hian. Its minimum initial investment is higher than some app-only rivals, but the depth of fund access and retirement account support is a major advantage.
“Best mobile-first all-rounder for cash investors.” - our editors
THEBESTSG STAFF REVIEW
Syfe is one of the easiest robo-advisors to recommend to cash investors who want a modern app, broad product range and the option to move between managed portfolios and brokerage. Its Core, REIT+ and Income+ choices make sense for different goals, and the user experience is cleaner than many bank-backed platforms. The availability of advisors is a useful plus. The trade-off is that the expanded product shelf can tempt less experienced investors to chase themes instead of sticking with a disciplined core allocation.
Why Syfe made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
Syfe ranks highly for scale, product breadth, low-friction access and a strong mobile experience, especially for investors who want both automated portfolios and trading in one platform.
Syfe is a Singapore digital wealth platform offering managed portfolios, brokerage and cash management products. Its managed portfolio range covers core growth portfolios, REITs, income portfolios, thematic portfolios and custom portfolio building, while its brokerage arm gives access to stocks and ETFs across major markets. Syfe states that it is regulated by MAS and holds a Capital Markets Services licence. The platform reports more than 400,000 users and over US$10 billion in client assets, which gives it stronger scale than many local robo-advisory competitors. It is especially appealing to investors who want automated investing and self-directed trading under one login.
“Best for a polished beginner investing experience.” - our editors
THEBESTSG STAFF REVIEW
StashAway remains a polished choice for investors who want a clean interface, straightforward onboarding and a platform that explains portfolio risk in plain language. It has been around long enough to build name recognition in Singapore, and its cash management products make it useful even before someone commits to higher-risk portfolios. The trade-off is that its investment approach is more opinionated than a simple market-cap ETF portfolio, so users should be comfortable with tactical allocation changes over time.
Why StashAway made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is selected for its track record, strong brand recognition, MAS licensing and beginner-friendly product flow, particularly for investors starting with cash before moving into diversified portfolios.
StashAway is one of Singapore's most recognised independent robo-advisors, licensed by MAS under Capital Markets Services licence CMS100604. Its platform covers general investing, income and cash management products, ETF Explorer and private market or alternative access for eligible investors. StashAway is known for goal-based onboarding and its proprietary investment framework, which adjusts portfolios according to macroeconomic conditions. Its Simple and Simple Plus cash products have also made the platform familiar to savers who want more than a bank account. It is a strong choice for straightforward cash investing, though CPF integration is not its core advantage.
AutoWealth feels more practical than trendy. Its pitch is not about chasing fashionable themes, but about globally diversified portfolios, transparent reporting and having an actual wealth manager available by WhatsApp. That makes it appealing for busy professionals who want automation but still like a human contact point. The platform's corporate pension angle adds credibility. The trade-off is that the interface and brand presence are less sleek than Syfe or StashAway, so it may not feel as instantly approachable to younger app-first investors.
Why AutoWealth made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It deserves a high ranking for combining diversified automated portfolios with human wealth manager access, transparent contact channels and a long-standing Singapore robo-advisory presence.
AutoWealth is a Singapore robo-advisor offering globally diversified portfolios, SRS portfolios, Flexi Cash USD and corporate investment solutions. Its main portfolios are built around broad exposure to thousands of stocks and hundreds of government bonds, with an index-tracking investment philosophy. The platform highlights low fees, portfolio transparency, segregated account safeguards and access to MAS licensed wealth managers. AutoWealth is also notable for serving corporate clients through SmartSave, positioning its retail service as an extension of its institutional robo-advisory infrastructure. It may not have the flashiest app, but it remains a serious option for investors who value direct advisor access.
DBS digiPortfolio is best viewed as the conservative bank-backed choice. It is not as broad or customisable as the leading independent robo-advisors, but the integration with digibank and the DBS name will matter to many Singaporeans. The Retirement Portfolio's glidepath structure is easy to understand and useful for people who want risk to reduce automatically over time. The trade-off is flexibility. Investors looking for CPF optimisation, custom fund selection or a richer robo-advisor interface may find it narrower than specialist platforms.
Why DBS digiPortfolio made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is included for its bank-backed credibility, low starting amount, retirement glidepath design and convenience for DBS and POSB customers who want automated investing inside their main banking app.
DBS digiPortfolio is DBS Bank's digital managed portfolio service, available through its digibank ecosystem. Its Retirement digiPortfolio starts from S$100 and uses a glidepath strategy that automatically adjusts risk as investors move closer to retirement. The portfolio is managed by DBS in collaboration with J.P. Morgan Asset Management, with asset allocation shifting between equities and fixed income over time. DBS lists a 0.75% annual fee before retirement and 0.25% during retirement for this portfolio. It is most convenient for existing DBS or POSB customers who prefer a familiar bank platform over a standalone robo-advisor.
OCBC RoboInvest is useful for investors who already bank with OCBC and want to add managed portfolios without opening a separate fintech account. The range is broader and more thematic than many bank robo offerings, which makes it appealing if you want targeted exposure rather than one generic portfolio. The bank-grade access and simple in-app flow are clear strengths. The trade-off is cost and eligibility. It is tied to OCBC banking access, and the 0.88% annual management fee is not the cheapest in this category.
Why OCBC RoboInvest made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earns its place for bank-backed access, a wide ready-made portfolio range, low USD 100 starting amount and automated rebalancing for OCBC customers.
OCBC RoboInvest is a digital investment platform for OCBC customers, powered by WeInvest. It offers 38 portfolios starting from USD 100, with no lock-in period and automated portfolio rebalancing. The platform includes theme-based and risk-based options across multiple markets, including portfolios such as All Weather, Precious Metals, US Tech Leaders and Income Portfolio. OCBC states a management fee of 0.88% per year, charged monthly, with additional exchange-related fees depending on markets and execution channels. It is suitable for OCBC customers who want a familiar bank login and a menu of ready-made portfolio ideas.
FSM MAPS is a good fit for investors who already use FSMOne or like research-led portfolio updates. The platform is less lifestyle-driven than the newer robo apps, but it gives clear risk profiles, ongoing commentary and access inside a broader investment supermarket. The low monthly entry point is helpful for regular investing. The trade-off is that the experience feels more like a fund platform than a sleek robo-advisor, and MAPS portfolios are cash-only, which limits its role for retirement account planning.
Why FSM MAPS made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is selected for its strong research backbone, accessible minimums, five clear risk profiles and integration with one of Singapore's established investment platforms.
FSM MAPS is the managed portfolio service within FSMOne, operated by iFAST's Singapore investment platform. It is designed for DIY investors who want professional portfolio management without managing every fund or ETF position themselves. MAPS offers five risk profiles, from Conservative to Aggressive, with diversified portfolios across fixed income and equities. The service starts from S$500 for lump sum investments or S$100 per month for regular savings plans, with no platform fee or sales charge and a management fee from 0.0875% per quarter. It is cash-only, so CPF and SRS users need another route.
Kristal.AI sits closer to digital private banking than mass-market robo-advice. Its strengths are access breadth, private market positioning and a platform built for investors who want more than standard ETF portfolios. The advisory and institutional angle gives it a different profile from consumer robo apps. The trade-off is accessibility. For a new investor with a few hundred dollars and a simple monthly plan, Kristal.AI may feel less direct than Endowus, Syfe or StashAway, and some opportunities are more relevant to accredited or higher-balance investors.
Why Kristal.AI made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is ranked for its licensed Singapore presence, broader wealth platform capabilities and access to listed, unlisted and private market products for more sophisticated investors.
Kristal.AI is a Singapore-based digital wealth and private banking platform operated locally by Kristal Advisors (SG) Pte. Ltd. The company states that it holds a MAS Capital Markets Services licence and is also licensed in other markets. Its offering has evolved beyond basic robo-advisory into advisory services, investment products, private wealth services, private markets and institutional wealth technology. Kristal.AI reports more than 50,000 users across geographies, over 400 B2B partnerships and more than US$1.5 billion in assets under management and advisory. It is better suited to affluent or experienced investors than someone seeking a simple starter portfolio.
Phillip SMART Portfolio is a sensible choice for investors who already know POEMS or prefer a robo-advisor backed by a long-established brokerage group. The S$300 starting amount is accessible, and the discretionary portfolio model keeps the day-to-day work with professional managers. Its strength is institutional continuity rather than trendy design. The trade-off is that the experience can feel embedded inside a broader brokerage environment, so users looking for a clean standalone robo app may find Syfe or StashAway easier to navigate.
Why Phillip SMART Portfolio made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It is included for its low entry point, professional management, POEMS integration and backing by one of Singapore's most established brokerage groups.
Phillip SMART Portfolio is the robo-advisory service offered through POEMS by Phillip Securities and Phillip Capital Management. It is a discretionary investment service that matches investors to a best-fit portfolio using an online risk analysis. The platform highlights a low starting investment amount of S$300, no upfront fee, no brokerage fee, no platform fee, low management fees and professional portfolio management. Investors can set up, fund and monitor their account online through POEMS. It benefits from PhillipCapital's long-standing brokerage and wealth management infrastructure, although the user experience is more traditional than newer robo-first brands.
SqSave is the most niche platform on this list, but it has a clear purpose: make automated investing accessible even for very small starting amounts. The AI-driven positioning, kids portfolio angle and gifting features make it different from the larger wealth platforms. It is useful for someone who wants to start tiny or introduce investing as a habit. The trade-off is reputation scale. It does not have the brand recognition, product depth or broad media presence of Endowus, Syfe or StashAway, so investors should be comfortable with a smaller specialist provider.
Why SqSave made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It rounds out the list because it is MAS licensed, still operating, unusually accessible for tiny balances and differentiated by AI portfolio management and family-oriented investing features.
SqSave, formerly known as SquirrelSave, is a Singapore robo-advisor and brand of PIVOT Fintech Pte. Ltd. The company states that it holds MAS Capital Markets Services licence CMS100806. Its platform uses an AI-driven investment engine to design, manage and rebalance personalised risk-managed portfolios. SqSave says users can start with any amount, even S$1, and offers investing for wealth building, retirement, kids and cash management through MoneyBox. It also has Gift-a-Portfolio and DoGood features. SqSave is smaller in market profile than the leading robo-advisors, but it is a real licensed option with a distinct micro-investing angle.
Reputable robo-advisors are typically licensed or operated by firms regulated by the Monetary Authority of Singapore. Investors should still check the legal entity, licence status, risk disclosures and how client assets are held before investing.
Can I use CPF or SRS with robo-advisors?
Some platforms support CPF, SRS or both, but not all do. Endowus is the clearest option for CPF and SRS investing, while several other platforms focus mainly on cash portfolios or selected SRS products.
How much do robo-advisors usually charge?
Fees vary by platform and product. Many charge an annual advisory or management fee, while underlying fund or ETF costs may still apply. Bank-backed or thematic portfolios can cost more than simple diversified ETF portfolios.
Are robo-advisors safe for beginners?
They can be suitable for beginners who want diversified, professionally managed portfolios, but they are still investments and can lose money. Beginners should start with a risk level, time horizon and funding source they genuinely understand.
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