This StashAway review begins with its fee scale, because that is what sets it apart. As at November 2026, StashAway charges 0.8% a year on the first S$25,000 you invest, with lower rates on each further slice, down to 0.2% on amounts above S$1 million. It accepts cash and SRS money. Its operator, Asia Wealth Platform Pte. Ltd., holds a Capital Markets Services licence from MAS.
Investing can lose money. A robo-adviser spreads your money across markets, but it cannot stop those markets falling. You may get back less than you invested. We explain the service and recommend nothing.
What StashAway Is
StashAway is a robo-adviser: you answer questions about your goals and risk tolerance, and it invests your money in a portfolio of ETFs and rebalances it. With Syfe and Endowus, it is one of the three robo-advisers Singapore finance sites promote most.
Its range includes:
- General Investing and goal-based portfolios, plus income, thematic, Singapore-focused and Shariah portfolios.
- Flexible portfolios, where you set the mix yourself, including a single-ETF option.
- Simple and Simple Plus, cash management portfolios made of money market and short-term bond funds.
- ETF Explorer, for buying individual ETFs.
- Reserve, for accredited investors.
MAS Licence and How Your Assets Are Held
The MAS Financial Institutions Directory lists Asia Wealth Platform Pte. Ltd. as a Capital Markets Services licensee for fund management and dealing in collective investment schemes. It is also an exempt financial adviser for advising on securities and collective investment schemes.
We could not confirm from StashAway’s public pages which custodians hold client assets. Ask StashAway, or read your account agreement, for the names and the arrangement.
Nothing at StashAway is SDIC-insured, including Simple and Simple Plus. Those are funds, not deposits, and their returns are not guaranteed.
StashAway Review of Fees (as at November 2026)
Figures come from StashAway’s pricing page. Management fees exclude GST and are billed monthly.
| Slice of your balance | Management fee a year |
|---|---|
| First S$25,000 | 0.8% |
| S$25,000 to S$50,000 | 0.7% |
| S$50,000 to S$100,000 | 0.6% |
| S$100,000 to S$250,000 | 0.5% |
| S$250,000 to S$500,000 | 0.4% |
| S$500,000 to S$1 million | 0.3% |
| Above S$1 million | 0.2% |
This scale applies to General Investing, goal-based, flexible, income, Singapore, Shariah and thematic portfolios. Each rate applies only to the money inside that slice.
Other prices on the same page:
- Flexible portfolio with a single ETF: 0.3% a year, no minimum.
- Simple: about 0.15% a year, net of fund rebates.
- Simple Plus: 0.2% a year, about 0.19% net.
- ETF Explorer: US$1 per buy or sell order, plus a 0.09% operation fee on SGX-listed ETFs. No monthly management fee.
- ETF costs inside portfolios: about 0.2% a year, or about 0.4% for the income portfolio. These come out of the ETFs’ value.
On currency conversion, the pricing page says a conversion rate is applied but gives no figure. We also could not verify minimum investment amounts or any withdrawal charge for managed portfolios. Check these in the app or with StashAway.
The short version: StashAway costs the most of the three big robo-advisers on a small balance and gets cheaper as you add money, because the lower rates apply slice by slice. It takes SRS but not CPF.
What a Year Costs: Worked Examples
The examples below show the management fee only. They assume no market movement and leave out GST and ETF costs.
Building up. You invest S$2,000 a month for a year. The average balance is about S$13,000, all in the 0.8% slice, so the fee is roughly S$104. In year two, holding S$24,000 with nothing added, it is S$192.
A larger balance. On S$100,000:
- First S$25,000 at 0.8%: S$200
- Next S$25,000 at 0.7%: S$175
- Next S$50,000 at 0.6%: S$300
That totals S$675, a blended rate of 0.675%.
Adding ETF costs. With about 0.2% in ETF expenses, the all-in yearly cost on S$24,000 is about 1.0%, or S$240. On S$100,000 it is about 0.875%, or S$875.
To see what a 1% yearly cost does over 20 years, put two return figures one percentage point apart into our compound interest calculator.
Funding, CPF and SRS
You fund StashAway by bank transfer in Singapore dollars.
For SRS, StashAway says you first open an SRS account with DBS, OCBC or UOB, or link the one you have. It says there are no subscription, redemption, custodian or penalty fees on SRS portfolios beyond the annual management fee. The SRS scheme’s own rules on caps, tax relief and early withdrawal penalties still apply. Our SRS guide covers them.
We found no CPF option. Readers who want to invest CPF savings can start with our CPF Investment Scheme explainer.
Drawbacks and Alternatives
- Highest starting rate. At 0.8% on the first S$25,000, small accounts pay more than at Syfe (0.65%) or Endowus (0.60%).
- You do not control the mix in managed portfolios. StashAway decides the allocation and can change it. In some periods that will help and in others it will lag a simple index approach. Past results do not predict future ones.
- No CPF.
- Conversion cost is not published as a number. Where a portfolio holds foreign-listed ETFs, your Singapore dollars are converted.
- A yearly fee compounds against you. Paying about 1% all-in every year is the trade for not managing it yourself.
Who StashAway does not suit
It does not suit investors with small balances who are focused on cost, people who want to choose and hold their own ETFs through a broker, or anyone investing CPF savings. Money needed within a few years is better kept out of market-linked portfolios altogether.
Alternatives to compare
- Syfe: a flat rate on the whole balance, 0.65% falling to 0.55% at S$50,000.
- Endowus: funds instead of ETFs, with CPF and SRS support.
- Interactive Brokers: for buying ETFs yourself with no yearly platform fee.
See the full robo-adviser comparison and our guide to the best investment platforms in Singapore.
What To Do Next
- Check Asia Wealth Platform in the MAS Financial Institutions Directory.
- Work out the fee in dollars for your expected balance using the slices above.
- Read what your chosen portfolio holds and how much it can fall in a bad year.
