Investment & Wealth · Singapore

Robo-Advisors & Investment Platforms in Singapore (2026)

CPF, SRS, and cash investing made simple — 5 MAS-regulated platforms compared by an ex-banker.

Robo-advisors have become a mainstream way for Singaporeans and SME owners to invest CPF, SRS, or cash savings without needing deep market knowledge. All platforms below are MAS-regulated under the Securities and Futures Act, holding client assets in segregated custodian accounts — but they differ meaningfully in fees, funding options, and how hands-on the experience is.

Below is a comparison of 5 popular robo-advisor and investment platforms used in Singapore, followed by a real scenario and a direct line to discuss your situation.

Compare Investment Platforms Side-by-Side

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Not sure which to pick? Quick guide:
• Want CPF + SRS + cash all in one place → Endowus
• New to investing, want flexible cash/SRS options → Syfe
• Want long-term, globally diversified portfolios → StashAway
• Already banking with OCBC, want thematic portfolios → OCBC RoboInvest
• Want a human-guided approach for SRS investing → Phillip SMART Portfolio

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Platform	Type	Annual Fee Range	CPF / SRS Support	Best For
Endowus	Robo-Advisor	~0.25–0.6% p.a.	Yes — CPF & SRS	All-in-one CPF/SRS/cash investing
Syfe	Robo-Advisor	~0.35–0.65% p.a.	Yes — SRS	Beginners, flexible cash investing
StashAway	Robo-Advisor	~0.2–0.8% p.a.	Yes — SRS	Global diversification, long-term goals
OCBC RoboInvest	Bank-Integrated Robo-Advisor	~0.88% p.a.	Cash only	OCBC customers wanting thematic portfolios
Phillip SMART Portfolio	Human-Guided Robo-Advisor	~0.3–0.5% p.a.	Yes — SRS	Investors wanting human oversight

Fee ranges shown are indicative as of June 2026 and exclude underlying fund/ETF expense ratios (typically 0.05–0.3% p.a. additional). All platforms are regulated by the Monetary Authority of Singapore. Your capital is at risk — investment value can rise and fall. This is not financial advice.

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A Closer Look at Each Platform

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Endowus

Robo-Advisor

The only major platform letting you invest CPF Ordinary Account, SRS, and cash savings all in one place, with access to institutional-class unit trusts at lower fees than typical retail share classes.

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Syfe

Robo-Advisor

Known for an approachable interface and flexible portfolios like Syfe Select, which let more experienced users pick specific ETF themes while still benefiting from automated rebalancing.

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StashAway

Robo-Advisor

Built around a risk-based, globally diversified investing philosophy with goal-based portfolio options. StashAway Reserve offers access to human wealth advisors for more complex planning needs.

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OCBC RoboInvest

Bank-Integrated Robo-Advisor

Offers thematic portfolios directly within the OCBC banking app — convenient if you already bank with OCBC and want investing integrated alongside your everyday accounts, though SRS/CPF support is more limited.

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Phillip SMART Portfolio

Human-Guided Robo-Advisor

Combines algorithm-driven portfolio construction with human oversight from Phillip Capital — a fit for investors who want some automation but still value a person reviewing their SRS or retirement investing strategy.

A Real Scenario

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An SME owner asked me which robo-advisor gives the “best returns.” That’s the wrong first question — past performance varies year to year and isn’t something any platform can guarantee. The more useful question was: where is your money sitting idle right now (CPF OA, SRS, cash), and which platform actually lets you invest that specific pot efficiently? For this person, it turned out their SRS contributions had been sitting uninvested for two years — the bigger win wasn’t picking the “best” platform, it was simply starting.

Frequently Asked Questions

Are robo-advisors safe in Singapore?

Robo-advisors operating in Singapore hold MAS Capital Markets Services (CMS) Licences and are subject to the same regulatory framework as traditional fund managers, including client asset segregation in custodian accounts. That said, your investment value can still rise and fall — regulation protects the structure, not your returns.

What’s the difference between investing CPF, SRS, and cash?

CPF Ordinary Account funds can be invested under the CPF Investment Scheme (CPFIS) on select platforms like Endowus. SRS (Supplementary Retirement Scheme) contributions reduce your taxable income and grow tax-free until withdrawal, making them attractive for long-term investing. Cash investments offer the most flexibility but no tax benefits.

How much do robo-advisors cost?

Singapore robo-advisor management fees typically range from 0.2% to 0.65% per year on assets under management, on top of underlying fund or ETF expense ratios of around 0.05% to 0.3% per year. Total annual cost usually falls between 0.25% and 0.85% depending on the platform and portfolio.

Can I lose money with a robo-advisor?

Yes. Robo-advisors invest in ETFs and unit trusts whose value fluctuates with the market — there’s no guaranteed return, and you can receive back less than you invested. They reduce certain risks (like emotional trading and lack of diversification) but don’t eliminate market risk.

Can you help me choose or set this up?

I’m a former banker, not a licensed financial adviser — so I don’t give investment advice or charge fees. What I can do is help you think through which platform fits your situation (CPF, SRS, or cash) and point you in the right direction. Message me on WhatsApp with your situation.

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Tell me what you’re looking to invest — CPF, SRS, or cash — and I’ll point you to the platform that actually fits.

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+65 9067 7703 · Ex-banker · EN / 中文