Top 10 Best Robo-Advisors in Singapore for Passive Income (2026 Fees & Returns Compared)
Your Wealth Should Work Harder Than You Do (Even in Your Sleep)
Living in Singapore isn't cheap. Between rising GST, inflation, and the cost of that morning kopi increasing, keeping your savings in a basic bank account is effectively losing money. The days of needing a private banker or staring at candlestick charts all day are over. In 2026, robo-advisors have democratized wealth management, offering institutional-grade strategies for the price of a Netflix subscription.
Whether you want to grow your CPF Ordinary Account, build a dividend machine with REITs, or just park your emergency cash for better yields, there is a bot for that. I’ve analyzed the fees, historical returns, and user interfaces of the leading platforms to bring you the top 10 best robo-advisors in Singapore for passive income in 2026.
π Quick Look: Top 3 Picks for Passive Income
| Robo-Advisor | Est. Fees (p.a.) | Best For |
|---|---|---|
| Endowus | 0.25% - 0.60% | CPF & SRS Investing (Institutional Funds) |
| Syfe | 0.25% - 0.65% | Dividend Income (REIT+) & Beginners |
| StashAway | 0.20% - 0.80% | Flexible Risk Management & Thematic Portfolios |
1. Endowus: The CPF Specialist
Endowus remains the heavyweight champion for one specific reason: it is the first and only digital advisor that lets you invest your CPF Ordinary Account (OA), Special Account (SA), and SRS funds. They don't use standard ETFs; they access institutional-class mutual funds (like Dimensional and PIMCO) that retail investors usually can't buy, and they rebate 100% of the trailer fees back to you.
- Fees: 0.40% p.a. for CPF/SRS; 0.60% for Cash (single fund).
- Best For: Singaporeans looking to beat the 2.5% CPF OA interest rate.
- Pro Tip: Use their "Cash Smart" portfolios for short-term savings you might need in 6-12 months.
2. Syfe: The Dividend Machine
If your goal is pure passive income (cash flow), Syfe’s REIT+ portfolio is arguably the best product on the market. It tracks the iEdge S-REIT Leaders Index, giving you exposure to Singapore’s top 20 REITs (Real Estate Investment Trusts). It essentially allows you to be a landlord of malls and offices without the headache of tenants.
- Fees: Tiered starting at 0.65% p.a. for portfolios under $50k.
- Best For: Monthly or quarterly dividend payouts.
- Feature: No minimum investment means you can start with $1.
3. StashAway: The Risk Manager
StashAway uses a proprietary strategy called ERAA® (Economic Regime-based Asset Allocation). Instead of just tracking the market, it adjusts your portfolio based on economic data (e.g., if a recession is looming, it shifts to protective assets like Gold or Bonds). It’s perfect for those who get nervous when the market dips.
- Fees: 0.8% p.a. for the first $25k; drops significantly as you invest more.
- Best For: Hands-off investors who want downside protection.
4. AutoWealth: The Human Touch
While others rely entirely on algorithms, AutoWealth assigns you a dedicated human wealth manager you can actually WhatsApp. They stick to a strict passive market-returns philosophy (tracking the index) rather than trying to outsmart the market.
- Fees: 0.5% p.a. + US$18 platform fee per year.
- Best For: People who want a robot's efficiency but a human's reassurance.
- Minimum: S$3,000.
5. DBS digiPortfolio: The Convenient Choice
If you already bank with DBS/POSB, this is the path of least resistance. You don't need to create a new account or transfer funds to a third party; it’s all inside your digibank app. They offer "Global" portfolios (ETFs) and "Asia" portfolios.
- Fees: 0.75% p.a. (flat fee, no hidden platform costs).
- Best For: Integration. You see your investments right next to your savings balance.
- Pro Tip: Instant funding and withdrawals make this highly liquid.
6. OCBC RoboInvest: The Thematic Playground
OCBC offers the widest range of specific portfolios—over 30 themes including "Gen Z Winners," "China Growth," or "Precious Metals." It is less about a balanced retirement portfolio and more about capitalizing on specific trends in the market.
- Fees: 0.88% p.a. (On the higher side).
- Best For: Aggressive investors who want to bet on specific sectors like Tech or Healthcare.
7. SquirrelSave: The AI Gambler
SquirrelSave uses fully autonomous AI that claims to predict risk and return better than humans. Their fee structure is unique: they charge a lower management fee but take a "performance fee" only if they make you money.
- Fees: 0.5% p.a. + 10% of positive returns (High-water mark).
- Best For: Those who like the "we only win if you win" model.
- Minimum: S$1.
8. UOBAM Invest: The Corporate Giant
Backed by UOB Asset Management, this app targets corporate investors but has opened up to retail. It creates a personalized portfolio based on your risk appetite and goal duration. It feels more "institutional" and serious than the colorful startups.
- Fees: 0.6% - 0.8% p.a.
- Best For: Conservative investors who trust bank-backed entities over startups.
9. Kristal.AI: The Customizer
Kristal.AI started for high-net-worth individuals but now offers retail access. It stands out for its flexibility—you can use their "advisory" algorithm or customize your own ETF basket. It also offers access to Private Equity and Pre-IPO deals for accredited investors.
- Fees: ~0.3% (Free for first $10k on some legacy accounts, check current promos).
- Best For: Advanced investors who want some control over the algorithm.
10. FSM MAPS: The Veteran
Fundsupermart (FSMOne) has been around forever. Their "My Assisted Portfolio Solution" (MAPS) builds portfolios using unit trusts (mutual funds) rather than just ETFs. They have a very conservative, income-focused approach which appeals to retirees.
- Fees: 0.35% - 0.50% p.a. (Management fee varies by portfolio).
- Best For: Retirees looking for stable, lower-volatility income.
π‘ Frequently Asked Questions (FAQ)
Q: Are robo-advisors safe if the company goes bankrupt?
A: Yes. All licensed robo-advisors in Singapore are regulated by MAS (Monetary Authority of Singapore). Your assets are held by a third-party custodian (like Citibank or HSBC), not the robo-advisor itself. If the company fails, your money is safe in the custodian bank.
Q: Can I use my CPF to invest in all of these?
A: No. Currently, Endowus is the primary digital advisor fully integrated for CPF OA investing. Others like StashAway and Syfe generally focus on Cash and SRS (Supplementary Retirement Scheme) funds.
Q: Do I have to pay taxes on my returns?
A: Singapore has no capital gains tax and no dividend tax. The returns you see in your app are yours to keep. However, if your portfolio holds US stocks/ETFs, a 30% dividend withholding tax is automatically deducted by the US government before the money reaches you.
