A robo advisor Singapore search usually turns up the same three names, and for good reason: the market has settled around three dominant platforms, Endowus, Syfe, and StashAway, each suited to a slightly different type of investor. Here is how they actually compare, and how to think about which one fits your situation.
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What Is a Robo Advisor Singapore Platform
A robo advisor is an automated investment platform that builds and manages a diversified portfolio for you using algorithms rather than a human financial advisor, handling fund selection, rebalancing, and often dividend reinvestment automatically. In Singapore, every robo advisor worth considering is licensed by the Monetary Authority of Singapore (MAS) under its Guidelines on Provision of Digital Advisory Services, and client assets are held with an independent custodian bank, so your money remains yours even if the platform itself were to shut down.
Endowus vs Syfe vs StashAway
| Feature | Endowus | Syfe | StashAway |
| CPF Investing | Yes | No | No |
| SRS Investing | Yes | Yes | Yes |
| Cash Investing | Yes | Yes | Yes |
| Approximate Fee | 0.25% to 0.60% (cash), 0.40% (CPF/SRS) | 0.35% flat (Core), all-in ~0.55% to 0.70% | 0.20% to 0.80% (tiered by balance) |
| Minimum Investment | S$1,000 | No minimum (S$1,000 suggested) | No minimum (S$500 for some sources) |
| Best For | CPF/SRS investors wanting one platform for everything | Thematic portfolios (REITs, Income, factor-based) | Beginners wanting the simplest starting experience |
CPF Investing: The Biggest Dividing Line
The single most important differentiator between these three platforms is CPF access. Endowus is currently the only MAS-licensed robo advisor supporting the CPF Investment Scheme (CPFIS), letting you invest Ordinary Account savings above the first S$20,000 through its platform. If using your CPF-OA to invest is a priority for you, this alone narrows your choice to Endowus regardless of how the fee comparisons look otherwise.
Syfe and StashAway both support SRS and cash investing, but neither currently offers CPF access, so if you are specifically looking to deploy CPF savings, they are not an option.
Understanding the Real Cost
Headline management fees only tell part of the story, since every robo advisor also passes through underlying fund-level expense ratios on top of its own advisory fee. Syfe’s flat 0.35% Core portfolio fee looks competitive on its own, but the realistic all-in cost after underlying fund fees typically lands around 0.55% to 0.70% per year. Endowus stands out for rebating 100% of trailer fees back to clients and offering cashback on certain fund-level fees, which can meaningfully close the gap against its headline rate once you account for this.
StashAway’s tiered structure means your effective fee decreases as your account balance grows, starting around 0.8% for balances up to S$25,000 and stepping down to roughly 0.2% to 0.5% for larger amounts.
Robo Advisor vs DIY Investing
A reasonable question worth asking before committing to any robo advisor: could you achieve something similar yourself at a lower cost? Buying the STI ETF directly through a regular savings plan costs roughly 0.30% in expense ratio alone, without any additional advisory fee layered on top, making DIY dollar cost averaging meaningfully cheaper for investors comfortable managing their own portfolio.
What you give up going the DIY route is automatic rebalancing, broader global diversification beyond a single market index, and in Endowus’s case, CPF investing access, which most DIY brokerage platforms do not support at all. For investors who want to be hands-off, or who specifically need CPF/SRS integration, the advisory fee is arguably a reasonable price for that convenience.
Which Robo Advisor Is Right for You
A practical way to narrow the decision: if investing CPF savings matters to you, Endowus is effectively the only option. If you want exposure to specific themes like REITs or an income-focused portfolio, Syfe’s thematic range stands out. If you are a first-time investor who simply wants the lowest-friction way to start with a small amount, StashAway’s zero minimum and straightforward onboarding make it an easy entry point.
Robo Advisor FAQ
Which robo advisor Singapore platform supports CPF investing?
Endowus is currently the only MAS-licensed robo advisor offering CPF Investment Scheme (CPFIS) access for Ordinary Account savings.
Is my money safe with a robo advisor Singapore platform?
Yes. All MAS-licensed robo advisors are required to hold client assets with an independent custodian bank, separate from the robo advisor’s own operating funds, so your investments remain yours even if the platform ceases operations.
What is the minimum amount to start with a robo advisor?
This varies by platform. Endowus requires S$1,000 to start, while Syfe and StashAway have no strict minimum, though both suggest starting with at least a few hundred to a thousand dollars for meaningful diversification.
Is a robo advisor better than buying an ETF myself?
Neither is universally better. A robo advisor costs more in fees but offers automatic rebalancing, broader diversification, and in Endowus’s case, CPF access. Buying an ETF like the STI ETF directly is cheaper but requires you to manage rebalancing and allocation decisions yourself.
Bringing It Together
The right robo advisor genuinely depends on what you are trying to achieve rather than which one has the lowest headline fee. CPF access, thematic portfolio options, and how hands-off you want to be all matter more than shaving another 0.1% off your advisory fee. Whichever platform you choose, the same principle that applies to dollar cost averaging applies here too: consistency in contributing matters more than optimising the exact platform on day one.
Disclaimer: This is not a sponsored post and not financial advice. Fees, minimums, and features cited are based on publicly available information as of 2026 and are subject to change. Always verify current terms directly with the respective platform before investing.