Best Investment Apps Singapore (2026) — Robo-Advisors Compared
Looking for the best investment apps Singapore has to offer? Shiok news: you can now start investing with small amounts and pay relatively low annual fees! Your savings account earning peanuts is the real money-waster, so let's fix that today.
We compared robo-advisors and DIY brokerage apps on fees, minimums, CPF access and sign-up promos. Grab your coffee, because this one could save you hundreds of dollars over the years!
TL;DR: Key Takeaways
- Robo-advisors like StashAway, Syfe and Endowus charge roughly 0.2% to 0.8% a year in management fees, plus small underlying fund costs.
- DIY apps like Moomoo, Tiger Brokers, FSMOne and Interactive Brokers suit you if you want to pick your own stocks and ETFs.
- Endowus is the best-known platform that lets you invest CPF OA and SA money in approved funds.
- Always compare total cost (platform fee + fund fee + FX fee), not just the headline number!
- Check sign-up promos before you deposit. Fee rebates and bonus cash are the real lobang.
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What Are the Best Investment Apps in Singapore for 2026?
The best investment apps in Singapore for 2026 are StashAway, Syfe and Endowus for hands-off robo-advisory, and Moomoo, Tiger Brokers, FSMOne and Interactive Brokers for DIY investing. The right pick depends on how much time you want to spend and how much you have to invest.
Definitive answer: if you want set-and-forget investing with a diversified ETF portfolio, a MAS-regulated robo-advisor is the simplest route for most Singapore beginners.
Don't just chase the flashiest app! Check that the provider holds a Capital Markets Services licence from the Monetary Authority of Singapore (MAS). You can verify this on the MAS Financial Institutions Directory before you hand over a single dollar.
Here is the quick lay of the land:
- StashAway: goal-based portfolios with a range of risk levels to match your comfort, plus a low-cost cash management option.
- Syfe: themed portfolios (Core, REIT+, equity100 and more), plus Syfe Cash+ and a trading arm.
- Endowus: a wealth platform that lets you invest cash, SRS and CPF money in funds, with advisory fees that drop as your balance grows.
- Moomoo and Tiger Brokers: low-fee trading apps for US and SG stocks, often with generous new-user perks.
Which Robo-Advisor Is the Best Investment App in Singapore?
No single robo-advisor wins for everyone. StashAway suits goal-based planners, Syfe suits those who like themed portfolios and REITs, and Endowus suits you if you want CPF and SRS access with low-cost funds.
Definitive statement: for pure ease of use, a robo-advisor beats DIY, because it rebalances for you automatically.
| Platform | Type | Approx. annual fee | Best for |
|---|---|---|---|
| StashAway | Robo-advisor | 0.2% to 0.8% | Goal-based, hands-off investors |
| Syfe | Robo-advisor | Varies by portfolio and balance | Themed portfolios, REITs |
| Endowus | Fund platform | 0.25% to 0.6% + fund fees | CPF and SRS investing |
| Moomoo / Tiger | DIY broker | Per-trade commission | Stock pickers, US shares |
| FSMOne | Fund supermarket | Varies by fund | Wide fund selection |
Fees are approximate ranges and change often, so confirm on each provider's official site before signing up.
Quick tip: robo-advisors usually have tiered fees, so your percentage drops as your portfolio grows. Start small, keep topping up and watch that fee shrink!
How Much Do Robo-Advisors Cost in Singapore?
Most robo-advisors in Singapore charge between 0.2% and 0.8% a year on your portfolio value. On a S$10,000 portfolio, that works out to roughly S$20 to S$80 a year before underlying ETF costs of about 0.1% to 0.3%.
Definitive statement: a 0.5% fee difference can cost you over S$5,000 across 20 years on a S$50,000 portfolio, so fees really matter.
Watch out for these extra costs:
- Fund expense ratios: the cost baked into the ETFs or funds, which varies widely by product.
- FX fees: funding in SGD but investing in USD can add a currency conversion cost on some platforms.
- Withdrawal or transfer fees: some platforms charge, others don't. Check first!
- Withholding tax: US-listed ETFs can face 30% US dividend withholding tax, while Ireland-domiciled ETFs often face only 15%. This is one reason many robo-advisors prefer Irish-domiciled funds.
Good news: gains from investing in Singapore are generally not taxed for individuals, and Singapore-sourced dividends are one-tier tax exempt. Check IRAS for the latest rules.
Best Investment Apps Singapore Offers for DIY Investors
If you prefer picking your own stocks and ETFs, Moomoo, Tiger Brokers, FSMOne, Interactive Brokers and the Singapore bank brokers are the main choices. Pick based on commission, FX rates and the markets you want to access.
Definitive statement: DIY investing costs less in management fees than a robo-advisor, but you take on the work of rebalancing and the risk of emotional decisions.
Many DIY brokers run new-user promos such as free stock vouchers, commission-free periods or boosted cash yields on idle balances. These usually come with deposit minimums and holding periods, so read the fine print!
Not sure where to start? A popular beginner approach is a low-cost global ETF or an STI ETF bought monthly, a method called dollar-cost averaging. It keeps you consistent, and you never have to guess the market top.
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Can You Invest CPF Money Through an Investment App?
Yes, you can invest CPF Ordinary Account (OA) savings under the CPF Investment Scheme (CPFIS) through approved agent banks, and some platforms like Endowus offer access to CPF-approved funds. The CPF OA earns up to 2.5% a year, so your investments need to beat that to be worthwhile.
Definitive statement: the CPF OA pays 2.5% a year and the Special Account pays 4%, so only invest CPF money if you are confident of earning more after fees.
Before you move your CPF money, remember these points:
- You must keep the CPF basic retained amounts in your account before investing the rest.
- Only CPFIS-included products can be bought with CPF money.
- Any investment losses come out of your own retirement savings!
- SRS (Supplementary Retirement Scheme) funds can also be invested and give you tax relief on contributions, up to S$15,300 a year for Singaporeans and PRs.
How Do You Pick the Best Investment Apps in Singapore and Save More?
Choose an app by matching your goal, time and budget, then stack any sign-up promo on top. Compare total fees, check the MAS licence, and start with an amount you can leave untouched for at least five years.
Definitive statement: the cheapest app is not always the best, because ease of use and discipline matter more than saving a small amount in fees.
- Set your goal. Retirement, house downpayment or a rainy-day fund? Each needs a different risk level.
- Build your emergency fund first. Keep three to six months of expenses in cash before investing.
- Compare total costs. Add up platform fees, fund fees and FX charges.
- Hunt for promos. Fee waivers for the first year are common, especially around year-end campaigns.
- Automate your top-ups. Even S$200 a month adds up to S$2,400 a year!
Want extra cash to invest? Save on everyday spending first. Check our best deals in Singapore this week, plan around the Singapore Retail Festival 2026 guide, and grab savings during the Lazada 9.9 Mega Sale cycle. Every dollar you save on shopping can go straight into your portfolio. Shiok!
Don't miss out: WhyNotDeals scans hundreds of Singapore merchants daily — bookmark us and never miss a deal. Come back often, because year-end promos from investment apps tend to appear fast and disappear faster!
Disclaimer: this article is for general information only and is not financial advice. Investments carry risk, including loss of capital. Past performance does not guarantee future results.