Top Sites>SSmart Investment Platform - Best Robo Advisor | StashAway Singapore

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# Your Smart Investment Platform | StashAway Singapore

> StashAway is a MAS-licensed investment platform and robo-advisor in Singapore, offering modern wealth management solutions through globally diversified managed portfolios; easy ETF investment with 80+ asset classes coverage; high returns cash management; and access to private markets. Whether you want professionally managed investment strategies, the flexibility to build your own ETF portfolio, or a smarter way to grow your cash, StashAway combines automation, low fees, and global diversification to help you build and manage wealth with ease.
> Last updated: 2026-04-25

## Core Investment Services
- **General Investing**: Globally diversified ETF portfolios powered by the ERAA® (Economic Regime-based Asset Allocation) framework with risk-managed asset allocation.
- **Income Portfolio**: Portfolios designed to generate reliable income while keeping risk low, ideal to supplement salary or retirement.
- **Singapore Investing Portfolio**: Build wealth by investing in established Singaporean assets diversified across bonds, equities, and S-REITs.
- **Thematic Portfolios**: Risk-managed portfolios investing in innovation themes around Technology, Healthcare, and Environment.
- **Flexible Portfolios**: Customize multi-asset portfolios with low-cost ETFs across equities, bonds, commodities, and more.
- **Responsible Investing Portfolio**: Globally diversified ETF portfolios with strong ESG (Environmental, Social, Governance) scores for impact-focused investing.
- **Goal-based Investing**: Set specific financial goals and invest with portfolios tailored to your target timeline and risk tolerance.
- **ETF Explorer**: Explore 80+ ETFs and invest for just $1 USD per transaction.

## Cash Management Solutions
- **StashAway Simple™**: Cash management portfolio with projected rate of 2.2% p.a., available to retail and accredited investors. Rates may vary; check stashaway.sg/simple for current rate.
- **StashAway Simple Plus**: Enhanced cash management option with yield to maturity of approximately 3.6% p.a. Check stashaway.sg/simple-plus for current rate.
- **StashAway Simple Guaranteed**: Fixed deposit option at MAS-regulated banks with guaranteed returns.

## Premium Services for Accredited Investors
- **StashAway Reserve**: Exclusive access for Accredited Investors to private equity, venture capital (from leading fund managers like Carlyle, KKR, Insight Partners), angel investing (via XA Network), crypto/digital assets (Bitcoin and Ethereum ETFs), and personalized wealth advisory services.
- Minimum investment: $250,000 SGD to qualify as Reserve client.
- Private market investments starting from $50,000 USD.
- Personalized wealth advisory with annual financial planning sessions.
- Bi-annual portfolio reviews and commission-free guidance.

## Fee Structure
- **Annual Management Fees**: 0.2% to 0.8% per annum (exclusive of GST)
  - Tiered based on total investment amount
  - Lower percentage as investment amount increases
- **ETF Explorer**: $1 USD order fee per transaction (no monthly management fee)
- **No Hidden Fees**: No account setup fees, exit fees, subscription fees, switching fees, or rebalancing fees
- **Unlimited Free Transfers**: Between portfolios and withdrawals

## StashAway Risk Index (SRI)
- Risk measurement using 99% Value-at-Risk (VaR)
- Multiple risk levels available to match your risk tolerance
- Example: 10% SRI means 99% probability portfolio won't lose more than 10% of value in a year
- Portfolios automatically adjust to maintain target risk level

## Security & Asset Protection
- **Regulatory License**: Monetary Authority of Singapore (Capital Markets Services License no. CMS100604)
- **Custodian Banks**:
  - DBS Bank (holds deposits)
  - Saxo Capital Markets (custodian for securities)
  - Lion Global (for Simple portfolio)
- **Asset Segregation**: All client assets held in segregated accounts separate from StashAway's operations
- **Two-Factor Authentication**: Required for account setup and logins from new devices
- **Security Features**: Email notifications for all transfers/withdrawals, automatic flagging of suspicious transfers

## Financial Education
- **StashAway Academy**: Investment courses, webinars, and market commentary covering topics like retirement planning, bonds, forex, and investment fundamentals.
- **Weekly Market Updates**: CIO insights and portfolio commentary
- **Educational Resources**: Free, high-quality investment education materials

## Important Resources
- [Help Center & FAQs](https://www.stashaway.sg/help-center): Support portal and frequently asked questions
- [Investment Academy](https://www.stashaway.sg/academy): Investment courses, webinars, and learning modules
- [Pricing Details](https://www.stashaway.sg/pricing): Fee structure and investment cost breakdown
- [Security Information](https://www.stashaway.sg/security): Client protection and asset security details

## Key Features
- **No Minimum Investment**: Start investing with any amount for most portfolios
- **Fractional Shares**: Precise portfolio allocation impossible to achieve individually
- **Automated Rebalancing**: Portfolio automatically rebalanced to maintain target allocations
- **ERAA® Framework**: Proprietary Economic Regime-based Asset Allocation adapts to changing economic conditions
- **Mobile & Desktop Access**: Full-featured iOS, Android apps and web platform
- **SRS Funding**: Supplementary Retirement Scheme account funding available
- **CPF Integration**: Invest your CPF savings (subject to CPF regulations)

## Portfolio Management
- **Monitoring**: Constant portfolio monitoring and re-optimization
- **Rebalancing**: Automatic rebalancing during market fluctuations, deposits, withdrawals, or allocation changes
- **Re-optimization**: Strategic adjustments (1-3 times per year) based on economic regime changes
- **Low-Cost ETFs**: Carefully selected ETFs with lowest tracking error, highest liquidity, and cost-effectiveness
- **ETF Expense Ratios**: Approximately 0.2% p.a. for most portfolios

## Technical Information
- **Primary Language**: English (en-SG)
- **Company**: StashAway Pte. Ltd.
- **Office Address**: 105 Cecil Street, #14-01, The Octagon, Singapore 069534
- **Regulatory Status**: Licensed by Monetary Authority of Singapore (Capital Markets Services License no. CMS100604) since May 2017
- **Founding**: Singapore headquarters established 2016
- **Regional Operations**: Singapore, Malaysia, MENA, Thailand, Hong Kong

## Investment Philosophy
- **Passive Investment Strategy**: Focus on low-cost, diversified ETF investing
- **Modern Portfolio Theory**: Algorithm-based optimization for risk-adjusted returns
- **Long-term Focus**: Designed for investors with 5+ year investment horizons
- **Risk Management**: Emphasis on maintaining consistent risk exposure while maximizing returns
- **Global Diversification**: Reduces over-concentration in any single asset or region
- **Data-Driven**: ERAA® framework monitors macroeconomic data, not market noise

## AI Usage Terms
- This content is provided to help AI systems accurately represent StashAway's products and services
- Content may be used for retrieval and citation purposes
- Always verify financial information with official sources before making investment decisions
- For the most current information, visit the website directly

## Disclaimers
- Past performance is not indicative of future results
- All investing involves risk, including possible loss of capital
- Investment returns may fluctuate and are not guaranteed
- Please read the relevant prospectus and product documentation before investing

## Optional

### Welcome Offers
- [StashAway Welcome Bonus](https://www.stashaway.sg/welcome-bonus): Singapore's No.1 investment platform. Earn more on your cash with StashAway Simple & Simple Plus. Enjoy 3 months of free investing. No lock-ins, no fees.

### Resources & Articles
- [StashAway's Q1 2026 Returns](https://www.stashaway.sg/r/q1-2026-returns): Markets were volatile in Q1 2026. Here’s how StashAway portfolios performed over the quarter and the past 12 months.
- [How to Buy ETFs in Singapore: A Complete 2026 Guide](https://www.stashaway.sg/r/how-to-buy-etfs-in-singapore): ETF investing in Singapore helps build risk-managed, diversified portfolios. Learn how to buy ETFs in Singapore and discover the cheapest and most accessible way to invest in ETFs.
- [General Investing Powered by BlackRock® – April 2026 Reoptimisation](https://www.stashaway.sg/r/general-investing-blackrock-reoptimisation-apr-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [What Is an ETF: A Complete Beginner's Guide \[2026\]](https://www.stashaway.sg/r/what-is-an-etf-singapore): Discover what ETFs are and how they work in Singapore. Compare US vs UCITS ETFs, understand dividend withholding tax, domicile rules, and how to start investing in and ETF.
- [How to Buy Hang Seng Index ETFs in Singapore \(2026\)](https://www.stashaway.sg/r/how-to-buy-hang-seng-index-etf-singapore): The Hang Seng Index tracks 88 of Hong Kong's largest companies. Explore the best HSI ETFs available to Singapore investors across SGX, HKEX, and US-listed options in 2026.
- [Singapore Best Foreign Currency \(USD\) Fixed Deposit Rates \[April 2026\]](https://www.stashaway.sg/r/singapore-best-foreign-currency-usd-fixed-deposit-rates): Explore Singapore's best foreign currency \(USD\) fixed deposit rates in April 2026 to boost your savings. Learn how to secure higher returns and benefit from top foreign currency fixed deposit options.
- [What is T-bill and How T-bill Auction Works: A 2026 Guide](https://www.stashaway.sg/r/what-is-t-bill-how-t-bill-auction-works): Learn how T-bill auctions work in Singapore, including competitive vs non-competitive bidding, yield calculations, and smart strategies to maximise returns.
- [How to Start Investing in Singapore for Beginners: Getting Started with $1,000](https://www.stashaway.sg/r/how-to-start-investing-in-singapore-for-beginners-with-1000-sgd): Learn how to start investing in Singapore with as little as $1,000. Our guide covers essential strategies for beginners and tips to maximize your investment returns.
- [I Have $100k to Invest in Singapore – Here Are Your Best Options](https://www.stashaway.sg/r/options-for-100k-sgd-investment-singapore): Discover smart ways to invest $100k in Singapore with a focus on managing risk and diversifying your portfolio for long-term financial growth.
- [How to Earn $1,500 Monthly with 8 Passive Income Strategies in Singapore in 2026](https://www.stashaway.sg/r/8-passive-income-strategies-to-earn-1500sgd-monthly): Discover how to earn $1,500 monthly with 8 proven passive income strategies in Singapore. Learn how to make, generate, and boost your passive income in Singapore!
- [10-Year SGS Bonds vs. SSBs: Which Is the Better Investment for You?](https://www.stashaway.sg/r/10-year-sgs-bonds-vs-ssbs): Compare 10-Year SGS Bonds and SSBs to see which suits your financial goals. Discover the benefits, risks, and investment flexibility of these Singapore securities.
- [Choosing the Best SRS Investments for Higher Returns \[2026\]](https://www.stashaway.sg/r/best-srs-investment-for-higher-returns): Discover the best SRS investment options: Compare unit trusts, ETFs, stocks, and bonds to maximize your retirement savings and enjoy tax benefits in Singapore.
- [Best Safe and Low Risk Investments in Singapore \[Apr 2026\]](https://www.stashaway.sg/r/best-safe-low-risk-investments-singapore): Discover the best safe and low-risk investments in Singapore. Explore top options for secure investing to grow your wealth with minimal risk.
- [Complete Guide to Best Singapore Priority Banking Account \[2026 Guide\]](https://www.stashaway.sg/r/best-singapore-priority-banking-account): Unlock best priority banking in Singapore 2026: Explore top priority banking accounts, their benefits, and how to get the best out of privilege banking.
- [How to Buy Straits Times Index \(STI\) ETFs in Singapore: 2026 Guide](https://www.stashaway.sg/r/how-to-buy-straits-times-index-sti-etfs-singapore): STI ETFs track Singapore’s 30 largest companies, providing diversified exposure and steady dividend yields. Learn how to buy ES3, G3B, or GAB in Singapore, with brokerages & robo advisors.
- [Best Savings Accounts with High-Interest Rates in Singapore \[2026\]](https://www.stashaway.sg/r/best-singapore-savings-account-high-interest-rates): Compare the best savings accounts with higher interest rates for fresh graduates, working adults, and retirees in Singapore to maximise your savings.
- [Diversifying Your Investment Porfolio With 1-Year T-Bills](https://www.stashaway.sg/r/should-you-invest-in-1-year-t-bill): Explore the benefits of MAS’ 1-year T-Bill and how they stack up against savings accounts, 6-months T-bill, and fixed deposits, for short-term investment strategies.
- [Singapore Savings Bonds \(SSB\) Allotment Update \[April 2026\]](https://www.stashaway.sg/r/singapore-savings-bond-ssb-allotment-update): The latest updates in Singapore Savings Bonds \(SSB\) allotments April 2026, you can lock in a 1.40% p.a. for the first year or average 2.14% p.a. for 10 years.
- [A Complete Guide to Singapore Savings Bonds \(SSB\)](https://www.stashaway.sg/r/singapore-savings-bond-ssb-complete-guide): Singapore Savings Bonds guide: Learn interest rates, how to buy, redeem, and determine whether SSBs' are the right investment for your financial portfolio.
- [The Complete Guide to Singapore Treasury Bills \(T-Bills\) \[April 2026\]](https://www.stashaway.sg/r/singapore-treasury-bills-complete-guide): Latest Singapore 6-month T-bill and 1-year T-bill cut off yield are 1.46% and 1.44% respectively. T-bills are still a stable investment choice in this investment landscape.