Best Robo-Advisors in Singapore: Top Picks for 2025

Choosing the best robo-investor for you in Singapore can be tricky. While there are many options, fees, diversification, customisation, minimums, and features vary significantly. 

Platforms like StashAway, Syfe, and Endowus offer automated portfolio management, making investing accessible even for beginners. But finding the right fit requires research. This guide breaks down what a robo advisor is and what investors need to consider.

From fee structures and portfolio options to platform features and minimum deposit requirements, we’ve analysed the top robo-advisors in Singapore to help you find the perfect fit.

Robo-advisors automate investing through computer algorithms. They build and manage an investment portfolio based on your goals and risk tolerance. This AI-driven approach keeps fees low, potentially boosting your long-term returns. Services range from automatic rebalancing to tax optimisation, requiring minimal effort from you. 

Robo-advisors are ideal for hands-off investors without complex financial situations. Some even offer access to human advisors for account management or planning, though this may come at an additional cost.

Opening a robo-advisor account in Singapore is straightforward, similar to opening a brokerage account.

Crucially, most robo-advisors use an onboarding quiz to understand your investment goals, risk tolerance, and time horizon. This helps them build a personalised portfolio for you. The basic setup process involves signing up, completing the quiz, linking your bank account, and funding your new robo-advisor account.

Robo-advisors typically charge a management fee, usually a percentage of your assets under management (AUM). Larger investments incur proportionally larger fees.

Let's say you invest S$5,000 in a robo-advisor account that charges a 0.3% annual fee. That's just S$15 a year for professional investment management. If you invest a larger sum, like S$50,000, the annual fee would be S$150. Even at higher investment amounts, robo-advisor fees are typically much lower than those charged by traditional financial advisors

This AUM-based fee structure is common, though some robo-advisors may use a flat fee or tiered pricing. It's crucial to understand the specific fee structure of any robo-advisor you're considering.

Keep in mind that expense ratios, which cover the costs of the underlying investments, are separate from the robo-advisor's management fee.

Choosing the right robo-advisor in Singapore involves carefully considering several key factors:

• Fees: Fees can significantly impact your returns over time. Pay close attention to both management fees and expense ratios (costs associated with the underlying ETFs). Compare these fees across different platforms. Remember, lower fees mean more money in your pocket.

• Investment Strategy & Portfolio Offerings: While most robo-advisors invest in ETFs, their specific portfolio construction and asset allocation strategies can differ. Consider your investment goals and risk tolerance. Some robo-advisors may specialise in certain sectors or offer customisable portfolios. If you have specific needs, such as CPF-OA investing, ensure the robo-advisor is authorised to handle those funds.

• Performance: It is worth reviewing a robo-advisor's historical performance to get a sense of how their portfolios have performed under various market conditions. However, remember that robo-advisors are relatively new, so focus on long-term investment horizons rather than short-term gains.

• Ease of Use & Features: Consider the user experience of the robo-advisor's platform. Is it easy to navigate? Does it offer the features you need, such as automatic rebalancing, tax optimisation, or goal-based investing? Some robo-advisors also offer access to human advisors, which can be valuable for personalised guidance.

Here's a quick look at our top robo-advisor picks for 2025

• DBS digiPortfolio

• Stashaway

• Endowus

• Syfe