From Endowus's CPF/SRS investing to StashAway's macro-driven ERAA algorithm and Syfe's no-minimum portfolios, we compare Singapore's 5 best robo-advisor investment apps for 2026 on fees, minimums and which ones actually accept CPF or SRS money. Two of the five take neither.
The headline rate is almost never the one you pay, and two of these five will not take your CPF or SRS money at all.
> Quick view: cheapest for a small balance is FSM MAPS at 0.50% p.a. (0.35% Conservative), from S$500. Endowus is the only pick here that accepts CPF. Biggest catch: StashAway's much-quoted 0.20% only applies above S$1,000,000, while your first S$25,000 is charged 0.80%.
The CPF specialist of this group. Endowus invests CPF Ordinary Account, Special Account and SRS money directly. It is not the only robo-advisor in Singapore that accepts CPF (AutoWealth does too), but CPF investing is what Endowus is built around, and it is the only app in this guide that offers it. Management fees: a flat 0.40% p.a. for CPF and SRS, dropping to 0.30% for single-fund Fund Smart positions. Cash is tiered by assets under advice: 0.60% up to S$200k, 0.50% from S$200k to S$1M, 0.35% from S$1M to S$5M, and 0.25% above S$5M. Note that CPF and SRS balances are priced separately and do not combine with your cash for tiering, so a large CPF portfolio won't buy you a cheaper cash rate. Fees exclude GST and the underlying funds' expense ratios. Minimum S$1,000 to start, S$100 top-ups. Two CPF rules to know before you sign up: only OA savings above S$20,000 and SA savings above S$40,000 can be invested at all, and the Special Account was closed in January 2025 for members aged 55 and above, so SA investing only applies if you are under 55. Best for: anyone who wants their CPF OA savings working harder than the 2.5% floor, or SRS contributors looking for a managed portfolio instead of cash earning almost nothing. The clear pick if 'CPF investing' is on your priority list.
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The macro-strategy player. StashAway's signature is ERAA® (Economic Regime-based Asset Allocation), a proprietary algorithm that shifts portfolio allocations based on macroeconomic conditions rather than holding a fixed allocation. Management fees on General Investing step down in bands as your balance grows: 0.80% on the first S$25,000, 0.70% from S$25k–S$50k, 0.60% from S$50k–S$100k, 0.50% from S$100k–S$250k, 0.40% from S$250k–S$500k, 0.30% from S$500k–S$1M and 0.20% above S$1M. Read that carefully, because the 0.20% figure quoted in most comparisons is the rate for millionaires. A beginner starting with S$5,000 pays 0.80%, the highest entry rate of the five apps here. Its cash-management products are priced separately and much lower: StashAway Simple at 0.15% p.a. and Simple Plus at 0.20% p.a. There is no minimum to start, and a US$1 fee applies each time you invest in or withdraw from an ETF. Best for: beginners who want a clean, simple onboarding experience and trust in an active rebalancing approach, and larger portfolios where the tiering finally works in your favour. Also strong on user experience, and generally regarded as the most polished robo-advisor app in Singapore.
Visit websiteThe flexibility champion. Syfe offers ready-made portfolios (Core Equity100, Growth, Balanced and Defensive, plus REIT+, Income+, Cash+ and Select thematic portfolios) alongside a Syfe Custom option that lets advanced users build their own ETF portfolios from a screened universe while Syfe handles rebalancing and execution. That last one is rare in the robo space. Management fees step down by tier: 0.65% below S$50k, 0.55% from S$50k, 0.45% from S$250k, 0.35% from S$1M and 0.25% from S$5M, with tier qualification based on whichever is higher: your total Syfe net worth or your net invested amount. No minimum investment. One limitation worth knowing before you commit: the SRS range is much narrower than the cash range, and SRS money can only go into Income+ Preserve, Income+ Enhance or Core Equity100, so if you are investing SRS specifically, check that one of those three actually suits your risk appetite. Best for: investors who want options beyond the 'risk level 1–10' format, or who specifically want a Singapore REIT or income-focused portfolio.
Visit websiteThe hybrid robo from Singapore's biggest bank, combining DBS portfolio managers' expertise with robo automation. The management fee is 0.75% p.a. across the whole range now: Global, Asia, Income and the new Wealth Builder Portfolio all sit at the same rate, which makes it more expensive than the pure-robo competition for small balances but cheaper at very large ones. Two changes worth knowing before you compare it on price. First, the cheap 0.25% SaveUp portfolio no longer exists as a product you can buy: DBS has merged SaveUp and Global Portfolio Plus into the new Wealth Builder Portfolio at 0.75% p.a., with existing holders told their asset allocation and fee structure are unaffected and no action needed. The only 0.25% figure left on the digiPortfolio page belongs to the Retirement portfolio, and it applies after you reach retirement, not while you are accumulating. Second, and the bigger catch for anyone shopping on tax breaks: DBS's own digiPortfolio FAQ states that you cannot invest using CPF or SRS funds, because digiPortfolio is not on the list of products those monies can be used for. It is cash only. Minimum S$1,000 to start; top up either S$1,000 as a lump sum or from S$100 a month on a recurring plan, with no cap on top-ups and no sales, platform, switching, withdrawal or closure fees. Best for: existing DBS/POSB customers investing cash who value integration with their main banking app, and for investors who want a known established institution rather than a fintech. Not the one to pick if the money is sitting in SRS.
Visit websiteThe seasoned-investor option, the cheapest entry fee here and, since we last checked, the lowest lump-sum minimum too. The platform (operated by SGX-listed iFAST) has distributed funds in Singapore since 2000, and rebranded from FSMOne to FSM Global on 15 August 2025 (same platform, same login, new name); the Malaysian arm kept the FSMOne name. MAPS is its managed-portfolio service, offering a range of portfolios across five risk profiles. Management fees are billed quarterly rather than annually: 0.125% per quarter for the standard portfolios, which works out to 0.50% p.a., and 0.0875% per quarter for the Conservative portfolio, or 0.35% p.a. There are also transaction charges of up to 0.03%. That 0.50% undercuts Syfe's 0.65% entry tier and Endowus's 0.60% cash tier, so on a small balance MAPS is genuinely the cheaper managed option, though as always the funds inside the portfolio charge their own expense ratios on top. MAPS portfolios hold a combination of unit trusts and ETFs, and FSM adds a counterparty charge of up to 0.03% plus exchange fees on the ETF side of subscriptions, redemptions and rebalancing. The minimums are the friendliest here, not the harshest, and this is where most write-ups (including our own earlier one) get it wrong: FSM's MAPS FAQ puts the minimum lump sum at **S$500**, with subsequent top-ups and Regular Savings Plans from **S$100 a month**, contributed on the 8th of each month. The real catch is elsewhere. **MAPS portfolios are available for cash subscription only**, so CPF and SRS money cannot go into them, even though the wider FSM platform does accept SRS for unit trusts. The wider platform also gives you direct access to thousands of unit trusts, ETFs, bonds and stocks if you outgrow the managed portfolios. Best for: investors who want a robo today and full DIY tools tomorrow on the same login, and cost-focused investors starting small.
Visit website| Platform | Management fee (p.a.) | Minimum to start | Takes CPF / SRS? |
|---|---|---|---|
| Endowus | CPF/SRS 0.40% · cash 0.60% to 0.25% | S$1,000 | CPF OA/SA + SRS |
| StashAway | 0.80% to 0.20% (0.80% on first S$25k) | S$0 | SRS |
| Syfe | 0.65% to 0.25% | S$0 | SRS (3 portfolios only) |
| DBS digiPortfolio | 0.75% (all portfolios; SaveUp discontinued) | S$1,000 (or S$100/mth) | Neither: cash only |
| FSM MAPS (now FSM Global) | 0.50% (0.35% Conservative) | S$500 lump sum (S$100/mth RSP) | Neither: cash only |
Singapore's robo-advisor space has matured, and there is now real differentiation between the players. Endowus is the only app here that invests your CPF Ordinary Account directly, StashAway runs a proprietary macro-economic asset-allocation algorithm, and Syfe lets you build custom portfolios alongside its ready-made ones.
Over a 20-year horizon on a S$100k portfolio, a 0.4% fee gap compounds into roughly S$10,000+ in cost. That is the whole case for reading the rate card before you pick.
Every fee above was checked against each provider's own pricing page on 31 August 2026. Management fees exclude GST and the expense ratios of the funds and ETFs held inside each portfolio, which are charged separately on top. That second layer is the part most comparison tables leave out, and on some portfolios it is larger than the platform fee itself.
This is where the shortlist thins out fast, and it is the single most common reason a reader picks a platform and then cannot fund it.
So if the money you want to put to work is SRS, you have three choices here, not five. If it is CPF, you have one.
This is the question that catches most people out, and no fee table answers it. Only CPF Ordinary Account savings above S$20,000 and Special Account savings above S$40,000 can be invested under the CPF Investment Scheme. The first S$20,000 of your OA and the first S$40,000 of your SA are ring-fenced. That restriction exists because the first S$60,000 of your combined CPF balances earns an extra 1% interest, which the Government does not want you trading away.
So if your OA balance is S$35,000, the most you can put into a robo-advisor is S$15,000, not S$35,000. If your OA sits below S$20,000, CPF investing is simply not available to you yet.
The Special Account is closed if you are 55 or older. Since 19 January 2025, the SA has been closed for members aged 55 and above, and for anyone turning 55 after that. Those savings move to the Retirement Account up to the Full Retirement Sum, with the remainder going to the OA. Existing CPFIS-SA holdings can still be held, but new SA investments are not possible for that cohort. Any guide that still tells you to invest your SA at 60 is out of date.
The hurdle rate is the real test. Your OA earns a guaranteed 2.5% p.a. and your SA a guaranteed 4% p.a. A CPF portfolio has to clear that risk-free rate *plus* the platform's access fee *plus* the underlying funds' expense ratios before you are genuinely ahead. On OA money at Endowus's 0.40% access fee, that means beating roughly 3% a year after fund costs, every year, to justify taking equity risk with money you cannot touch until 55. For SA money at 4% guaranteed, the bar is close to 4.6%, which is why most advisers say leave the SA alone even when you are allowed to invest it.
One practical step: OA investing requires a CPF Investment Account with an agent bank (DBS, OCBC or UOB) before any funds can move. Open that first, because it takes a few days and every platform will ask for it.
SRS is the easier case, and the maths is less about the portfolio than the tax bracket. Contributions are capped at S$15,300 a year for Singapore Citizens and Permanent Residents and S$35,700 for foreigners, and the relief counts towards the overall S$80,000 personal income tax relief ceiling. Contributions must land before 31 December to count for the following Year of Assessment.
The reason to invest it is that uninvested SRS cash earns about 0.05% p.a. sitting at the operator bank. Almost any diversified portfolio beats that, which is why the hurdle-rate argument that applies to CPF OA does not really apply to SRS. If you have contributed to SRS purely for the tax relief and left the money as cash, that is the single easiest thing on this page to fix.
Every platform fee in this guide is a *platform* fee. The funds and ETFs inside the portfolio charge their own expense ratios on top, and that second layer is where the real variation sits.
On a S$50,000 balance held for a year, the platform fee alone ranges from S$125 (FSM MAPS Conservative at 0.35%) to S$375 (DBS digiPortfolio Global at 0.75%). Add the underlying funds and the picture shifts: ETF-based portfolios like Syfe's and StashAway's typically add 0.20%–0.30%, while unit-trust-based portfolios can add substantially more. A platform charging 0.50% over cheap ETFs can easily cost less all-in than one charging 0.35% over expensive unit trusts.
Ask each platform for the total expense ratio of the specific portfolio you are considering, not the headline management fee. It is a number all five will give you, and it is the only one that reflects what actually leaves your account.
A robo-advisor is buying you three things: portfolio construction, automatic rebalancing, and the discipline of not touching it. At 0.20%–0.65% a year, that is reasonable value if you would otherwise not invest at all, or would panic-sell in a drawdown.
If you are comfortable holding two or three broad-market ETFs and rebalancing once a year, a low-cost brokerage will almost always be cheaper, because you pay commission per trade rather than a percentage of everything, every year, forever. On S$200,000, a 0.45% robo fee is S$900 a year; the same portfolio self-managed at a brokerage might cost S$50 in trades. That gap is the honest case for DIY, and it widens as your balance grows.
The middle path most people land on: use a robo for CPF and SRS money, where the platform handles the fiddly custody and reporting requirements, and run cash investments yourself through a brokerage.
Endowus is the only one of the five here that lets you invest CPF Ordinary Account, Special Account and SRS money directly, at a flat 0.40% p.a. access fee. Across the wider market it is not the only option, since AutoWealth also accepts CPF, but it is the platform built around it. The bar it has to clear is real, though: CPF OA already pays 2.5% risk-free, so a CPF portfolio has to beat 2.5% plus the 0.40% fee plus the underlying funds' expense ratios before you are actually ahead. Note too that the Special Account has been closed to members aged 55 and above since 19 January 2025, so SA investing only applies if you are under 55. SRS is the easier case, because uninvested SRS cash earns about 0.05% p.a., so almost anything productive beats leaving it idle.
Only the money above the ring-fenced floors. Under the CPF Investment Scheme you can invest Ordinary Account savings above S$20,000 and Special Account savings above S$40,000. The first S$20,000 of your OA and first S$40,000 of your SA cannot be invested at all. That restriction exists because the first S$60,000 of your combined CPF balances earns an extra 1% interest. In practice this means an OA balance of S$35,000 gives you S$15,000 of investible money, not S$35,000, and an OA balance under S$20,000 gives you none. You will also need a CPF Investment Account with an agent bank (DBS, OCBC or UOB) opened before any OA funds can be moved, so start that first as it takes a few days.
A robo-advisor picks a diversified portfolio, buys it and rebalances it for you, for roughly 0.2%–0.8% of your balance a year. A brokerage app charges you per trade and leaves every decision to you. If you don't want to choose ETFs or rebalance, the robo fee is buying you a service. If you're comfortable holding two or three broad ETFs and rebalancing once a year yourself, a low-cost brokerage will almost always work out cheaper, and our separate guide to Singapore stock brokerages covers those platforms.
It depends entirely on your balance, and the headline ranges are misleading. At small balances FSM MAPS is the cheapest managed option at 0.50% p.a. (0.35% on its Conservative portfolio), followed by Endowus at 0.60% on cash and Syfe at 0.65%. StashAway is the most expensive place to start despite advertising a 0.20% to 0.80% range: that 0.20% only applies above S$1,000,000, while the first S$25,000 is charged at 0.80%. If you have seen DBS digiPortfolio's 0.25% SaveUp portfolio quoted as the cheapest option on the market, that is now out of date. SaveUp and Global Portfolio Plus have been merged into the new Wealth Builder Portfolio at the standard 0.75% p.a., so every digiPortfolio you can open today charges 0.75%; the remaining 0.25% figure applies to the Retirement portfolio only after you retire. Rates fall as balances grow: Syfe drops to 0.55% above S$50,000 and 0.45% above S$250,000, StashAway to 0.50% above S$100,000, and Endowus's cash fee to 0.50% above S$200,000. Compare the all-in cost rather than the headline rate, because the platform fee plus the expense ratio of the funds inside the portfolio is what you actually pay, and an ETF-based portfolio at 0.50% can cost less overall than a unit-trust portfolio at 0.35%.
Three of the five here: Endowus, StashAway and Syfe. Endowus takes SRS at a flat 0.40% p.a., StashAway will pull SRS funds from your operator bank on a schedule you set with no minimum, and Syfe accepts SRS into three portfolios only (Core Equity100, Income+ and Cash+ Flexi in SGD). The other two do not take SRS at all. DBS digiPortfolio's own FAQ states it is not on the list of products CPF or SRS funds can be used for, and FSM's MAPS FAQ states the portfolios are available for cash subscription only, even though the wider FSM platform does accept SRS for ordinary unit trusts. This matters more than the fee gap for most people: uninvested SRS cash earns roughly 0.05% p.a. at the operator bank, so the platform you pick has to be one that can actually receive the money.
All five platforms here are licensed and regulated by the Monetary Authority of Singapore, and client assets are held in custody separately from the company's own money, so a platform running into trouble does not by itself mean your holdings disappear. What is not protected is market risk: these portfolios hold ETFs and unit trusts that can and do fall in value, and none of them are covered by the SDIC deposit insurance that applies to bank savings accounts.
