Which robo-advisor is best for CPF and SRS in Singapore?

Endowus is the only robo-advisor in Singapore that accepts CPF OA, CPF SA, and SRS funds for investment. If CPF or SRS investing is your priority, Endowus is your only robo option. For CPF OA, you can invest in funds beyond the standard CPFIS fund list. Endowus passes back 100% of trailer fees (fund distributor commissions) to clients, making the effective cost competitive.

What are the fees for robo-advisors in Singapore?

Typical all-in costs: access/platform fee (0.2–0.8% p.a., tiered) + underlying fund expense ratio (0.1–0.5% for ETFs, up to 1%+ for active funds). Total all-in typically 0.3–1.2% p.a. Endowus has the most complex fee structure but often the lowest total cost for larger portfolios due to institutional fund classes. AutoWealth uses Vanguard ETFs with very low fund fees (~0.1%).

Robo-advisor vs DIY ETF investing — which is better in Singapore?

DIY ETF investing (via Syfe Trade, Tiger Brokers, Moomoo, IBKR) is cheaper for portfolios above S$50,000 — brokerage fees become negligible and you hold ETFs directly with zero management fee. Robo-advisors add value for: automatic rebalancing, fractional investing, lower barriers (S$0–100 min), goal-based tracking, and CPF/SRS access (Endowus). Most sophisticated investors start with robos and migrate to DIY as their portfolio grows.

Is StashAway or Syfe better?

Depends on your goal. StashAway is better for: global diversified investing, ERAA risk management, no minimum. Syfe is better for: Singapore REIT exposure (REIT+ portfolio), high-yield cash parking (Cash+), and stock brokerage (Syfe Trade). Both offer SRS investing. Fees are comparable. Many Singaporeans use both — StashAway for core global portfolio, Syfe Cash+ as an emergency fund.

Are robo-advisors safe in Singapore?

All major Singapore robo-advisors are MAS-licensed (Capital Markets Services licence). Client assets are held in segregated accounts — if the robo-advisor goes bust, your ETF/fund holdings are separate from the company's assets. They are not banks, so deposits are not protected by SDIC. The underlying ETFs/funds are held with licensed custodians (DBS, Citibank). The main risks are investment returns, not platform default.

Best Robo-Advisors Singapore 2026

Comparing Singapore's leading robo-advisors — StashAway, Syfe, Endowus, AutoWealth, and Kristal.AI. Fees, portfolios, CPF/SRS eligibility, and who each platform is best for.

Quick Comparison

Platform	Min	Fee	CPF	SRS	Best for
Endowus	S$1,000 (cash) / S$0 (CPF/SRS)	0.25–0.60% p.a.	✓	✓	CPF & SRS investing
StashAway	S$0	0.2–0.8% p.a.	✗	✓	global ETF passive investing
Syfe	S$0	0.35–0.65% p.a.	✗	✓	REIT portfolios and cash management
AutoWealth	S$3,000	0.5% p.a. + US$18/yr platform fee	✗	✓	Lowest fee passive index portfolio
Kristal.AI	S$0 (basic) / US$50,000 (accredited)	0%	✗	✗	accredited investors and direct indexing

Endowus — Best for CPF & SRS investing

Min Investment

S$1,000 (cash) / S$0 (CPF/SRS)

Platform Fee

0.25–0.60% p.a.

CPF Eligible

Yes

SRS Eligible

Yes

Portfolios

Fund Smart (curated), Core (passive), Satellite thematic

Highlights

✓Only robo to access CPF OA/SA and SRS
✓Uses institutional share classes (lower underlying fund fees)
✓100% trailer fee rebates passed to clients
✓Blackrock, Dimensional, PIMCO funds available

Watch out: Higher fund expense ratios for actively managed options. S$1,000 min for cash.

StashAway — Best for global ETF passive investing

Min Investment

S$0

Platform Fee

0.2–0.8% p.a.

CPF Eligible

SRS Eligible

Yes

Portfolios

General Investing (ERAA®), Income, Goal-based, Flexible

Highlights

✓No minimum investment — start with S$1
✓Proprietary ERAA risk management (rebalances in market stress)
✓Strong FX management for USD-denominated ETFs
✓Thematic portfolios (ESG, technology, China)

Watch out: Proprietary ERAA can underperform simple index in bull markets. USD exposure.

Syfe — Best for REIT portfolios and cash management

Min Investment

S$0

Platform Fee

0.35–0.65% p.a.

CPF Eligible

SRS Eligible

Yes

Portfolios

REIT+, Core, Equity100, Income+, Cash+ (money market)

Highlights

✓Best-known REIT portfolio in Singapore
✓Syfe Cash+ earns 3.5–4% (money market fund, T+1 withdrawal)
✓Syfe Trade: SGX and US stocks brokerage at S$0.99/trade
✓Goal-based retirement and education portfolios

Watch out: REIT portfolio concentrated in SG REITs — sector-specific risk. Cash+ rate not guaranteed.

AutoWealth — Lowest fee passive index portfolio

Min Investment

S$3,000

Platform Fee

0.5% p.a. + US$18/yr platform fee

CPF Eligible

SRS Eligible

Yes

Portfolios

5 risk-tiered global ETF portfolios (Vanguard-based)

Highlights

✓Simple, transparent fee structure
✓100% Vanguard ETF portfolios — very low underlying costs
✓Human advisor overlay (access to advisors)
✓Good for no-fuss passive investing

Watch out: S$3,000 minimum. US$18/yr fee disadvantages small portfolios. Less features vs competitors.

Kristal.AI — Best for accredited investors and direct indexing

Min Investment

S$0 (basic) / US$50,000 (accredited)

Platform Fee

CPF Eligible

SRS Eligible

Portfolios

Managed, Index, Thematic, DIY (stocks + ETFs)

Highlights

✓Free up to US$50K — genuinely zero fees
✓Access to fractional shares of US stocks
✓Accredited investor: hedge funds, alternatives
✓Good for DIY stock picking alongside managed portfolios

Watch out: No SRS/CPF integration. Platform younger — less track record. USD-denominated.

How to Choose

Want to invest CPF OA/SA or SRS?

→ Endowus only. No other robo accepts CPF or SRS funds.

Want global passive ETF investing, zero minimum?

→ StashAway (ERAA risk management, good for volatile markets) or AutoWealth (simpler Vanguard-only, lower fee for larger portfolios).

Want Singapore REIT exposure or high-yield cash?

→ Syfe REIT+ for REITs, Syfe Cash+ for emergency fund / short-term cash at 3.5–4%.

Large portfolio (S$50K+), want lowest cost?

→ Consider DIY ETF investing via IBKR / Tiger Brokers for near-zero brokerage fees + direct ETF ownership.

Frequently Asked Questions

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All fees and features subject to change. Verify with each platform before investing. Not financial advice. Last updated: 2026.