Best Robo Advisors in Singapore 2025

In an increasingly digital world, the way we manage our finances has undergone a significant transformation. For investors in Singapore, one of the most impactful innovations has been the rise of robo-advisors. These automated platforms leverage cutting-edge technology and sophisticated algorithms to provide personalised investment advice and manage diversified portfolios, making investing more accessible, efficient, and often more affordable than traditional methods.

Whether you’re a seasoned investor looking for a hands-off approach or a beginner taking your first steps into the market, Singapore’s robo-advisor landscape in 2025 offers a compelling array of options. This guide will delve into the top contenders, comparing their features, fees, and unique selling points to help you choose the best robo-advisor to meet your financial goals.

What Exactly Are Robo-Advisors and Why Are They Booming in Singapore?

A robo-advisor is an online platform that uses algorithms to build, manage, and rebalance investment portfolios based on your financial goals, risk tolerance, and time horizon. After you answer a series of questions, the robo-advisor recommends a suitable portfolio, typically comprising low-cost Exchange Traded Funds (ETFs) or unit trusts.

Their popularity in Singapore continues to surge due to several compelling advantages:

Accessibility: Low minimum investment amounts, some starting from as little as S$1, make investing achievable for almost everyone. This democratization of investment access has been particularly appealing to younger investors and those just starting their financial journey.

Lower Fees: Generally, robo-advisors charge significantly lower management fees (a percentage of your assets under management, or AUM) compared to traditional financial advisors. Robo-advisors generally have lower management fees than traditional wealth management services, making them an attractive option for cost-conscious investors.

Convenience and Automation: They handle all the heavy lifting – from portfolio construction and diversification to regular rebalancing – freeing up your time. This automation ensures disciplined investing without the emotional decision-making that often leads to poor investment outcomes.

Diversification: They provide instant diversification across various asset classes, geographies, and sectors, which is crucial for managing risk. Most platforms automatically spread investments across global markets, reducing concentration risk.

Objectivity: Algorithms make decisions based on data, removing emotional biases that can often derail human investment choices. This systematic approach helps maintain investment discipline during market volatility.

CPF/SRS Integration: Several platforms now allow you to invest funds from your CPF (Ordinary Account & Special Account) and SRS (Supplementary Retirement Scheme) alongside cash, offering a holistic approach to wealth management.

The Evolution of Singapore’s Robo-Advisory Market

Singapore’s robo-advisory market has matured significantly since its inception. The Monetary Authority of Singapore (MAS) has played a crucial role in fostering innovation while maintaining investor protection. The regulatory framework has evolved to accommodate these new investment platforms while ensuring they meet the same standards as traditional financial institutions.

The market has also witnessed increased competition, with traditional banks entering the space alongside fintech startups. This competition has driven innovation in features, reduced fees, and improved user experiences. Additionally, the integration of artificial intelligence and machine learning has enhanced portfolio optimization and risk management capabilities.

Key Factors When Choosing a Robo-Advisor in Singapore

Before we dive into the top picks, consider these crucial factors:

Fees: This is paramount. Look at the annual management fee (percentage of AUM), any platform fees, and the underlying expense ratios of the ETFs/funds they invest in. Tiered fee structures (lower fees for higher AUM) are common, and some platforms offer trailer fee rebates that can significantly impact your returns over time.

Minimum Investment: Some platforms have no minimum, while others might require S$100 or S$1,000 to start. Consider your initial capital and ongoing contribution capacity.

Portfolio Strategy & Asset Allocation: Understand their investment philosophy. Do they use passive index investing, active management, or a hybrid approach? What asset classes do they include (equities, bonds, gold, REITs, commodities)? Some platforms use dynamic asset allocation strategies that adjust based on market conditions.

Customisation and Specific Products: Do they offer specific portfolios (e.g., REIT-focused, income, ESG/sustainable, thematic)? Can you customise your portfolio beyond their standard offerings? Advanced investors may prefer platforms that offer more granular control.

Funding Options: Can you invest with cash, CPF, and/or SRS? The ability to invest retirement funds can be particularly valuable for long-term wealth building.

User Experience (UX): A user-friendly app and website are essential for monitoring your investments and making adjustments. Look for platforms with intuitive interfaces, clear reporting, and mobile accessibility.

Customer Support: While automated, good customer support (live chat, email, phone) is vital for when you have questions or issues. Consider the availability of human support when needed.

Regulation: Ensure the robo-advisor is licensed and regulated by the Monetary Authority of Singapore (MAS) for investor protection and compliance.

The Best Robo-Advisors in Singapore for 2025

Based on their offerings, fees, and market presence, here are some of Singapore’s leading robo-advisors in 2025:

1. Syfe

Overview: Syfe has established itself as a frontrunner with a diverse range of portfolios catering to various investor needs. They are known for their proprietary “Risk Managed” approach and strong focus on education.

Key Features:

• Core Portfolios: Globally diversified portfolios across equities, bonds, and gold, managed with a systematic investing strategy (e.g., Core Equity100 for aggressive growth, balanced options, and conservative bond-focused portfolios).
• REIT+: For dedicated exposure to Singapore Real Estate Investment Trusts (S-REITs), aiming for high dividend yields.
• Income+: Designed for stable passive income, investing in fixed income and dividend-paying assets.
• Cash+ Flexi: A cash management solution offering competitive returns on idle cash.
• Thematic Portfolios: Options like Disruptive Technology, Healthcare Innovation, and ESG & Clean Energy for focused investing.
• Syfe Trade (Brokerage): Offers direct access to US stocks and ETFs with competitive fees, integrating brokerage and robo-advisory on one platform.

Fees (AUM based): Typically range from 0.25% to 0.65% per annum, with lower fees for larger investment amounts. Underlying ETF expense ratios also apply.

Minimum Investment: S$0 for most portfolios.

Funding Options: Cash, CPF (OA/SA) for selected portfolios, and SRS.

Pros: Wide range of portfolios, strong educational content, competitive fees, integrated brokerage.

Cons: Proprietary strategy might be less transparent than pure index-tracking for some.

2. StashAway

Overview: One of Singapore’s pioneering robo-advisors, StashAway is renowned for its “Economic Regime-based Asset Allocation (ERAA)” strategy, which dynamically adjusts portfolios based on economic indicators.

Key Features:

• Core Portfolios: Diversified portfolios across global equities, bonds, and commodities, with risk levels defined by their “Risk Index.”
• Income Portfolios: Focus on generating regular income through investments in bonds and other income-generating assets.
• Thematic Portfolios: Explore specific investment themes like Technology, Healthcare, or China Internet.
• StashAway Simple™: A cash management portfolio for short-term savings with attractive projected yields.

Fees (AUM based): Tiered fees, generally ranging from 0.2% to 0.8% per annum, becoming cheaper for larger portfolios. Underlying ETF expense ratios also apply.

Minimum Investment: S$0.

Funding Options: Cash, CPF (OA/SA) for selected portfolios, and SRS.

Pros: Distinctive ERAA strategy, user-friendly platform, strong educational resources.

Cons: Some investors prefer a pure passive index-tracking approach over dynamic asset allocation. Past performance has been mixed for some portfolios.

3. Endowus

Overview: Endowus positions itself as providing access to institutional-grade funds and a comprehensive suite of solutions, including the ability to invest CPF and SRS monies. They are known for their focus on “best-in-class” funds rather than just low-cost ETFs.

Key Features:

• Flagship Portfolios: Globally diversified portfolios primarily using passive index-tracking unit trusts.
• Cash Smart: Various cash management options (Secure, Enhanced, Ultra) offering different risk-reward profiles for short-term savings.
• Income Portfolios: Solutions like IncomePlus and IncomeUp for generating consistent payouts.
• ESG Portfolios: For socially responsible investing.
• Fund Smart: Allows more experienced investors to build custom portfolios from a curated list of funds.
• CPF/SRS Investing: A key differentiator, allowing seamless integration of these funds into your investment strategy.

Fees (AUM based): Typically range from 0.25% to 0.60% per annum, with lower fees for larger investment amounts. They pride themselves on having no sales charges or transaction fees, and returning trailer fees (commissions from fund managers) to investors.

Minimum Investment: S$1,000 for advised portfolios, S$100 for Cash Smart.

Funding Options: Cash, CPF (OA/SA), and SRS.

Pros: Access to institutional-grade funds, strong focus on CPF/SRS investing, transparent fee structure with trailer fee rebates, comprehensive product suite.

Cons: Higher minimum investment for advised portfolios than some competitors, may be less intuitive for absolute beginners compared to simpler robo-advisors due to wider fund choices.

4. DBS digiPortfolio / OCBC RoboInvest / UOBAM Invest (Bank-backed Robos)

Overview: Singapore’s local banks have also entered the robo-advisory space, leveraging their existing customer base and financial expertise. These platforms offer convenience, especially for those who prefer to keep their banking and investing within one ecosystem.

Key Features (General):

• Pre-built Portfolios: Offer a selection of diversified portfolios (e.g., Global, Asia-focused, Income) often built using ETFs or unit trusts.
• Integration: Seamless integration with your existing bank accounts and mobile banking apps.
• Lower Minimums: Often have relatively low minimum investment amounts.

Fees: Vary by bank and portfolio. DBS digiPortfolio ranges from 0.25% to 0.75% p.a. OCBC RoboInvest charges a fixed annual management fee of 0.88%, regardless of the amount invested. UOBAM Invest fees vary depending on the portfolio. Note that underlying fund fees also apply.

Funding Options: Primarily cash, though some may offer SRS options.

Pros: Convenience for existing bank customers, perceived trust in established financial institutions.

Cons: Often have fewer portfolio options or less customisation than pure-play robo-advisors. Fees can sometimes be slightly higher for smaller balances compared to the dedicated robo-advisors.

5. Other Noteworthy Mentions for 2025

Kristal.AI: Offers a wider range of global strategies and a blend of automated and human advisory services. It features a no-minimum investment for many strategies and a free tier for portfolios up to US$10,000, with fees generally starting from 0.3% per annum for larger amounts.

MariBank’s Investment Evolution: MariBank was the first digital bank to introduce investment offerings, with Trust and GXS expected to follow suit in 2025. While primarily a digital bank offering attractive savings rates (e.g., 2.28% p.a. on Mari Savings Account as of June 2025), MariBank has recently launched Mari Invest Income, marking its entry into the investment space. This represents a significant evolution in Singapore’s digital banking landscape, as these institutions expand beyond traditional banking services into comprehensive financial solutions.

Market Trends and Future Outlook

The robo-advisory market in Singapore is expected to continue growing as more investors recognize the benefits of automated investing. Key trends include:

Increased Personalization: Advanced AI and machine learning algorithms are enabling more sophisticated risk profiling and portfolio customization.

ESG Integration: Environmental, Social, and Governance factors are becoming increasingly important, with more platforms offering sustainable investing options.

Hybrid Models: Some platforms are combining robo-advisory with human financial advisors for a more comprehensive service.

Expanded Asset Classes: Beyond traditional ETFs, some platforms are incorporating alternative investments like REITs, commodities, and even cryptocurrencies.

Which Robo-Advisor is Right for You in 2025?

For the Absolute Beginner with Small Capital: Syfe and StashAway are excellent starting points due to their S$0 minimums and user-friendly interfaces.

For CPF/SRS Investing: Endowus is a clear leader with its extensive support for these funds and its focus on institutional-grade products.

For Income Seekers: Syfe’s Income+ and StashAway’s Income portfolios are tailored for regular payouts.

For Those Seeking Specific Themes: Syfe and StashAway offer a variety of thematic portfolios.

For Bank Loyalty: If you prefer keeping your investments with your primary bank, DBS digiPortfolio or OCBC RoboInvest could be more convenient.

For Cost-Conscious Investors (larger sums): Compare the tiered fee structures of Syfe, StashAway, and Endowus as your AUM grows; Endowus often becomes very competitive at higher tiers due to its trailer fee rebates.

Important Considerations and Risk Factors

While robo-advisors offer many advantages, investors should be aware of potential limitations:

Market Risk: All investments carry market risk, and robo-advisors cannot eliminate the possibility of losses during market downturns.

Algorithm Limitations: Automated systems may not capture all market nuances or adapt quickly to unprecedented market events.

Limited Human Interaction: Some investors prefer the personal touch and customized advice that comes with traditional financial advisors.

Technology Dependence: Platform outages or technical issues could temporarily impact your ability to access or manage your investments.

Conclusion

Robo-advisors have revolutionised investing in Singapore, making it more accessible and efficient for everyone. In 2025, the market is mature and competitive, offering a diverse range of platforms to suit different needs. The emergence of digital banks like MariBank entering the investment space further signals the continued evolution of Singapore’s fintech ecosystem.

By carefully assessing your financial goals, risk tolerance, and the key factors outlined in this guide, you can confidently choose the best robo-advisor to help you build and manage your wealth effectively. Whether you’re just starting your investment journey or looking to optimize your existing portfolio, Singapore’s robo-advisory landscape offers compelling solutions for every investor.

For comprehensive comparisons and the latest reviews, consider checking platforms like Seedly’s robo-advisor reviews and SingSaver’s investment guides to stay updated on the evolving market.

Remember to always conduct your own research and consider consulting with a qualified financial advisor for personalised advice. The investment landscape continues to evolve, and staying informed about new features, fee changes, and market developments will help you make the best decisions for your financial future.