Updated June 2026: Compare 2026’s best robo-advisors side-by-side. We scan the entire market from Endowus and Syfe to OCBC RoboInvest and Chocolate Finance to help you find low-cost diversified portfolios and capital-guaranteed cash parking solutions.
Robo-advisors are digital investment platforms that use automated technology to build and manage investment portfolios with minimal investor involvement. They are often more cost-effective than traditional advisory models because they automate portfolio recommendations, execution and rebalancing.
Most robo-advisors assess an investor’s financial goals, investment timeframe and risk tolerance before recommending a portfolio. Investors with longer time horizons and higher risk tolerance may receive portfolios with greater equity exposure, while more conservative investors may be allocated lower-risk portfolios.
Some platforms also provide access to human advisors for general guidance, but portfolio allocation and rebalancing are typically handled automatically.
Robo-advisors can be especially useful for beginners because they remove the need to select individual stocks, choose ETFs or manage portfolio rebalancing manually.
Enjoy low fees and professionally built diversified portfolios without needing to pick individual stocks
The following category picks compare robo-advisors in Singapore by funding access, investment flexibility, portfolio features, starting amount and cash management options.
Widest funding options, CPF, SRS and Cash: Autowealth, Endowus
Best for REITs: OCBC Roboinvest, Syfe
Best for tight budgets: SqSave, StashAway, Syfe, UOBAM Invest
Best for short-term investments: StashAway Simple Guaranteed, SyfeCash+ Guaranteed
Best for ESG-focused investments: OCBC Roboinvest
Best for customisable portfolios: Endowus, Kristal.AI, SqSave, Syfe
Best for SGD-based investing: Endowus, Syfe
The comparison below outlines key differences across major robo-advisors, including minimum investment amounts, underlying ETFs, funding options (CPF, SRS, cash), management fees, and custom portfolio features.
| Robo-advisor | Minimum investment amount | Underlying investments | Funding options | Management fees | “Build Your Own Portfolio” option | Unique offerings |
| AutoWealth | AutoWealth Flexi Cash USD: S$1,000 AutoWealth Starter: S$3,000 AutoWealth SRS Portfolio: S$3,000 | Globally diversified portfolios of ETFs | Cash, SRS | AutoWealth Flexi Cash USD: 0.1% p.a. Autowealth Starter: 0.5% + USD18 platform fee p.a. AutoWealth SRS: 0.4% p.a. | No | Human advisor support + government bond-backed custodian account |
| Endowus | Initial: S$1,000 Subsequent: S$100 | Mutual funds across various asset classes | Cash, SRS, CPF(OA) | 0.15% p.a. | Yes | CPF / SRS integration + direct access to institutional share classes |
| DBS digiPortfolio | digiPortfolio: S$100 Global portfolio: USD1,000 | ETF-based portfolios | Cash | SaveUp (bond): 0.25% p.a. Global / Asia / Income / Global Portfolio Plus: 0.75% p.a. Retirement: 0.75% p.a. (0.25% upon retirement)” | No | Integrated with DBS banking ecosystem + curated portfolios by DBS CIO |
| Kristal.AI | Dependent on specific portfolio | Commodities, ETFs, Equities, Fixed Income | Cash | 0% to 0.30% + brokerage fee of USD1 per trade | Yes | AI-driven recommendations + accredited investor features |
| OCBC RoboInvest | USD$100 | Commodities ETFs, Equity ETFs, Fixed income ETFs, REITs | Cash | 0.88% of total investment value p.a. | No | Sector-focused themes (e.g., tech, EVs) + regular investment ideas |
| Philip SMART Portfolio | General Investing: S$300 US Equity: S$3,000 | Bonds, Commodities, Equities, Fixed Income | Cash, SRS | General Investing: 0.5% p.a. US Equity: 0.8% p.a. | No | Risk-based portfolios with in-house research by PhillipCapital |
| StashAway | Zero Minimum Investment USD Deposit: USD$10,000 | Globally diversified ETFs | Cash, SRS | 0.2% to 0.8% p.a. | Yes | ERAA™ framework dynamically adapts to economic regimes |
| Syfe | Zero Minimum Investment Cash + Guaranteed USD: USD50,000 | ETFs, Stocks, Bonds, Commodities, REITs | Cash | 0.25% to 0.65% p.a. | Yes | Real estate (REIT) portfolios + risk-based and thematic investing |
| SqSave | None | ETFs | Cash | 0.5% p.a. + 10% performance fee on positive returns (high watermark) | Yes | AI-powered, emotion-neutral risk profiling for personalised portfolios |
| UOBAM Invest | S$1 | Mutual funds and ETFs | Cash | 0.6% to 0.8% p.a. + underlying fund-related fees dependant on fund | Yes | Backed by UOBAM’s institutional investment capabilities |
| UTrade Robo (UOB KayHian) | S$5,000 Subsequent: S$500 | Equities, Fixed Income, Commodities, ETFs | Cash | 0.5% to 0.88% p.a. | No | Designed by UOB Kay Hian using SmartBeta strategy |
All information is taken from their official websites and is accurate as of June 2026.
Cash parking solutions are low-risk investment or savings options designed for idle cash that may be needed in the short term. They are commonly used for funds awaiting investment opportunities, planned expenses or surplus cash that investors want to keep relatively liquid.
Cash parking solutions prioritise liquidity, lower volatility and potential yield. However, not all cash parking options are capital-guaranteed. Non-guaranteed cash management portfolios can still fluctuate in value because they may invest in money market funds, short-duration bond funds or liquidity funds.
The table below compares non-guaranteed cash parking options by minimum investment amount, projected returns, underlying investments, funding options and management fees.
| Robo-advisor / Fund | Minimum investment amount | Projected returns less fees | Underlying investments | Funding options | Management fees |
| Chocolate Finance | None | 2% p.a. on first S$20,000, 1.8% p.a. on next S$30,000, 1.8% p.a. target return on balances above S$50,000 | Dimensional STIG Fixed Income Fund UOBAM United SGD Fund Fullerton Short Term Interest Rate Fund LionGlobal Short Duration Bond Fund | Cash | None |
| Endowus Cash Smart Secure | S$1,000 | 1.3% p.a. | 50% Fullerton SGD Cash Fund 50% LionGlobal SGD Enhanced Liquidity Fund | Cash / SRS | 0.15% p.a. |
| Endowus Cash Smart Enhanced | S$1,000 | 1.8% p.a. | 50% UOB United SGD Fund 30% LionGlobal SGD Enhanced Liquidity Fund 20% Fullerton SGD Cash Fund | Cash / SRS | 0.15% p.a. |
| Endowus Cash Smart Ultra | S$1,000 | 2.3% p.a. | 35% UOB United SGD Fund 20% LionGlobal SGD Enhanced Liquidity Fund 15% Fullerton SGD Cash Fund 10% Fullerton Short Term Interest Rate Fund 10% LionGlobal Short Duration Fund 10% PIMCO Low Duration Income Fund | Cash / SRS | 0.15% p.a. |
| StashAway Simple | None | 1.5% p.a. | 70% LionGlobal SGD Enhanced Liquidity Fund 30% LionGlobal SGD Money Market Fund | Cash / SRS | 0.15% p.a. |
| StashAway Simple Plus | None | 2.8% p.a. Yield to Maturity | 60% LionGlobal Short Duration Bond Fund 20% Nikko AM Shenton Short Term Income Fund 20% LionGlobal Enhanced Liquidity | Cash / SRS | 0.2% p.a. |
| Syfe Cash+ Flexi (SGD) | None | 1.5% to 1.6% p.a. | 70% LionGlobal SGD Enhanced Liquidity Fund 30% LionGlobal SGD Money Market Fund | Cash | 0.05% to 0.15% p.a. |
All information is taken from their official websites and is accurate as of June 2026.
Many cash parking solutions use similar underlying instruments, such as money market funds, short-duration bond funds and liquidity funds. If projected returns, fees and liquidity are similar, investors may prefer the platform they already use because it can simplify account management and tracking.
Low-volatility cash management portfolios may be suitable for part of an emergency fund because they usually provide liquidity and lower price fluctuation than higher-risk investment portfolios. However, non-guaranteed cash management products can still lose value. Investors should keep essential emergency cash in bank deposits or other capital-protected accounts when immediate access and principal stability are required.
Capital-guaranteed options are designed for investors who prioritise principal protection over higher potential returns. These options may be suitable for short-term cash needs, but they usually offer lower projected returns than non-guaranteed portfolios that carry market or fund-level risk.
| Robo-advisor / Fund | Minimum investment amount | Projected returns less fees | Term | Underlying investments | Funding options | Management fees |
| StashAway Simple Fixed | None | 1.05% p.a. | 1 month | Fixed deposit at MAS regulated banks | Cash | None |
| Syfe Cash+ Guaranteed | None | 0.9% p.a. | 1, 3, 6, 12 months | Fixed deposits (via SG Banks) | Cash | None |
All information is taken from their official websites and is accurate as of June 2026.
CPF and SRS funds can also be invested through selected robo-advisors
Compare your options before deciding where to invest.
Singapore Savings Bonds, fixed deposits, robo-advisor cash management portfolios and guaranteed savings-style products serve different financial purposes.
Singapore Savings Bonds may suit investors who want low-risk, longer-term savings backed by the Singapore Government.
Fixed deposits may suit funds that can be locked away for a fixed period. Robo-advisor cash management portfolios may suit investors who want liquidity and higher potential returns, but non-guaranteed options can still fluctuate in value.
Details | Singapore Saving Bonds (SSB) | Fixed Deposit Account | Robo-advisors | |
| Non-guaranteed capital portfolios | Fixed deposits or guaranteed structured contracts via partner banks | |||
| Underlying investments | Singapore Government issued bonds | Bank fixed deposit | Market funds, liquidity funds, short-duration bond funds, global ETFs | Insurance-backed savings plans or endowment policies |
| Projected returns less fee | Average return over 10 years is 1.99% p.a. | 0.80% to 1.80%* p.a. depending on bank and duration | 1.3% to 4.1% p.a. | 1.2% to 3.6% p.a. |
| Term | Up to 10 years | Vary with banks | None | Typically 3 to 25 years |
| Withdrawal | Anytime with 1 month notice | End of term | Anytime | End of term |
| Minimum investment amount | S$500 | S$500 to S$200,000 | As low as S$100 to S$1,000 | Typically S$5,000 to S$20,000 |
| Capital guaranteed | Yes | Yes | No | Yes |
| SDIC insured | Yes, up to S$100,000 / person | Yes, up to S$100,000 / person | No | No |
| Liquidity | 1 month (redeemed by the next month’s schedule) | Immediately upon maturity, early withdrawal subject to bank processing time | Usually 1 to 3 business days | At maturity only, post-maturity withdrawal often 1 to 3 business days |
| Ideal use case | – Long-term safe savings – Retirement or stability buffer – Suitable for idle / surplus cash | – Medium-term savings – Funds you can lock away – Stable, risk-free yield | – Emergency or short-term liquidity needs – Flexible cash parking – Higher potential returns with liquidity | – Short-term funds you can commit – Guaranteed return certainty – Predictable cashflow needs |
*Based on various bank websites.
All information is taken from their official websites and is accurate as of June 2026.
Pros
Cons of investing in Robo-advisors
Robo-advisors may be suitable for new investors, hands-off investors and people starting with a smaller investment amount. They are less suitable for investors who want full control over stock selection, advanced trading tools or highly customised investment strategies.
Robo-advisors may be suitable if:
Robo-advisors may be less suitable if:
A robo-advisor can be a practical starting point for investors who want automation, diversification and lower barriers to entry. Before investing, compare platform fees, underlying assets, funding options, risk level and liquidity terms.
Read more: A Beginner’s Guide to Investing with Robo Advisors in Singapore
1. How do robo-advisors compare to traditional online trading brokers?
If you want to pick your own stocks or ETFs and decide when to buy or sell, an online trading broker suits you better. You stay in control, but you also do the research and manage the portfolio yourself.
If you want a hands-off approach, a robo-advisor suits you better. It builds a diversified portfolio for you, invests on your behalf, and rebalances automatically. Many new investors in Singapore start with robo-advisors because the setup feels simpler.
2. How do robo-advisors handle market volatility and downturns?
Robo-advisors reduce risk mainly through diversification and disciplined portfolio management:
Markets can still fall. A robo-advisor helps you stay diversified and consistent, but it cannot prevent losses.
3. What security measures are in place to protect my personal and financial information with robo-advisors?
Robo-advisors operating in Singapore are regulated by the Monetary Authority of Singapore (MAS), which sets standards for the custody and protection of client assets.
Many platforms use advanced encryption to secure personal and financial data transmitted between your device and their servers.
Robo-advisors typically also offer two-factor authentication (2FA), providing an additional layer of protection against unauthorised access.
4. What if the robo-advisor I’m using closes down?
Robo-advisors are required to keep client assets separate from their own operational funds. Your investments are held by an independent custodian or brokerage firm, not by the robo-advisor itself.
In the event of a closure, your assets remain safely held by the custodian.
5. Do I pay taxes when I invest via a robo-advisor?
Most individuals in Singapore do not pay local tax on capital gains from selling investments.
However, overseas withholding tax may still apply, mainly on dividends:
Check the robo-advisor’s fund or ETF list and domicile if tax efficiency matters. General information only, not tax advice.
