The cheapest regular savings plan in Singapore depends on how much you invest each month: for small amounts, percentage-based plans such as POSB Invest-Saver cost less than OCBC BCIP's S$5 minimum fee, while FSMOne (now FSM Global) and moomoo have reported low or zero purchase fees but different product menus.
A regular savings plan (RSP) lets you invest a fixed amount every month into ETFs or shares, so you do not have to time the market. I compared four popular options for Singapore investors: OCBC Blue Chip Investment Plan (BCIP), POSB Invest-Saver, FSMOne and moomoo.
The main difference is the fee structure. Some plans charge a percentage of each purchase. Others charge a minimum fee per counter that can eat a large slice of a small monthly amount. Figures below were checked against provider pages and recent reviews on 9 November 2026. Where sources disagreed, I say so.
Small, steady monthly amounts are where fee structure matters most.
What Is a Regular Savings Plan (RSP) in Singapore?
An RSP is an automated monthly investment into a set list of ETFs or shares. Money leaves your account on a fixed date, and the provider invests it for you. This is dollar-cost averaging without the manual effort. If you want to automate your investing, this is the simplest way to start. Here is how the four plans compare at a glance.
Plan | Minimum per month | What you can invest in | Funding |
|---|---|---|---|
OCBC BCIP | S$100 | 21 SGX counters: stocks and ETFs | Cash or SRS |
POSB Invest-Saver | S$100 | 5 SGX-listed ETFs (per Money Bees, June 2026) | Cash |
FSMOne (FSM Global) | S$50 for ETFs | Selected unit trusts, ETFs and SGX shares | See provider |
moomoo | About US$10 (page is inconsistent) | US stocks and ETFs only | Bank account or moomoo account |
In plain terms, OCBC is the only one that lets you own individual Singapore blue chips on autopilot, Invest-Saver is the narrow ETF-only option for DBS and POSB customers, FSMOne has the widest ETF menu, and moomoo is the only one aimed at US markets.
10 AI Stocks to Lead the Next Decade
AI isn’t a tech trend – it’s a full-blown, multi-trillion dollar race, and 10 companies are already pulling ahead.
These are the innovators driving real revenue, attracting institutional attention, and positioning for massive growth.
Get all 10 tickers in The 10 Best AI Stocks to Own in 2026, free today.
How Much Does Each Plan Really Cost on a Small Monthly Amount?
This is where the plans separate. Here is what each provider's published fee means in dollars on a S$100 monthly investment. The dollar figures are my own arithmetic from the published rates.
OCBC BCIP, over 30: 0.3% or S$5 per counter, whichever is higher. On S$100 into one counter, 0.3% is only S$0.30, so the S$5 minimum applies. That is 5% of the monthly amount. The 0.3% rate only takes over once you invest about S$1,667 or more per counter each month.
OCBC BCIP, under 30: 0.88% with no minimum fee, for up to S$500 per counter per month, for accounts opened from 28 June 2019. On S$100, that is S$0.88. Above S$500 per counter, the 0.3% or S$5 rate applies.
POSB Invest-Saver: A review by Money Bees (updated 14 October 2026) lists a sales fee of 0.50% on bond ETFs and 0.82% on equity and REIT ETFs, so about S$0.82 on S$100 of an equity ETF. The ETF's own annual expense ratio applies on top. A DBS help page lists different net sales charges for two ETFs (1.00% for the STI ETF, 0.50% for the ABF bond fund), so please confirm the current rate with DBS.
FSMOne (FSM Global): Money Bees reports a 0% purchase fee on ETF RSP, while an earlier article by The Kopi Notes (May 2026) lists 0.08% with a S$1 minimum for RSP and notes its own figures were inconsistent. I could not confirm this on FSM's own page. A flat S$3.80 applies to exiting SGX ETF positions, per an FSM article headline.
moomoo: The RSP page advertises lifetime 0 commission on US stocks and ETFs, with an asterisk whose footnote I could not read. Check the footnote in the app.
The honest takeaway: on S$100 a month, the OCBC minimum fee is the single biggest cost on this list for anyone over 30. That does not make it a poor plan. It just means the amount per counter matters a great deal.
What Can You Invest In With Each RSP?
OCBC BCIP covers 21 SGX counters. These include DBS, OCBC, UOB, SGX, Singtel, StarHub, Singapore Airlines, ST Engineering, ComfortDelGro, Sembcorp Industries, Wilmar, Keppel, CapitaLand Integrated Commercial Trust and CapitaLand Investment, plus ETFs such as the Amova Singapore STI ETF, Lion-Phillip S-REIT ETF, Lion-OCBC China Leaders, Hang Seng Tech and Singapore Low Carbon ETFs, and two Amova bond ETFs. You do not need a CDP or securities trading account to join.
POSB Invest-Saver is ETFs only. Per Money Bees, the five funds are the Amova Singapore STI ETF, ABF Singapore Bond Index Fund, Amova SGD Investment Grade Corporate Bond ETF, CSOP iEdge S-REIT Leaders Index ETF and Amova-StraitsTrading Asia ex Japan REIT ETF. DBS's own product page was not loading when I checked, so please confirm the list.
FSMOne offers selected unit trusts, ETFs and SGX shares on its RSP, and Money Bees says there are more than 250 ETFs. The platform has been rebranded as FSM Global, and its old web address now redirects to fsm.global.
moomoo is for US stocks and ETFs, in fractional amounts, on a daily, weekly, bi-weekly or monthly schedule, and you can pause or delete the plan at any time. If you want exposure to the S&P 500 or to US tech through an ETF, this is the route. It is not for Singapore blue chips.
If you want a broader view of platforms beyond RSPs, I covered the robo-advisor options in my Syfe vs StashAway vs Endowus comparison.
Get the Free AI Prompts for Investor Handbook
A practical AI investing handbook packed with copy-and-paste prompts to help you research stocks faster and analyze companies.
OCBC BCIP vs POSB Invest-Saver vs FSMOne vs moomoo: Which Is Cheapest?
Plan | Cost of a S$100 monthly purchase | Cost of exiting | Watch out for |
|---|---|---|---|
OCBC BCIP (over 30) | S$5 per counter (5%) | 0.3% or S$5 per counter | Fee falls to 0.3% only above about S$1,667 per counter |
OCBC BCIP (under 30) | 0.88% (S$0.88) | 0.88% | Applies to accounts opened from 28 June 2019, up to S$500 per counter |
POSB Invest-Saver | 0.50% to 0.82% (S$0.50 to S$0.82) | Check with DBS | Sources conflict; promotional refund on some 2026 purchases |
FSMOne (FSM Global) | Reported 0% to 0.08% | S$3.80 flat for SGX ETFs (per FSM headline) | Sources conflict; verify on FSM |
moomoo | Advertised 0 commission (US) | Check footnote | US markets only; currency exchange applies |
Notice what this table leaves out: the fund's own expense ratio. Whatever you pick, a low-cost ETF such as the STI ETF still carries an annual fee of about 0.30%, per Money Bees. Platform fees and fund fees are separate layers.
Which RSP Might Suit You Best? My Personal Read
I do not think there is one winner. The right plan depends on three things: how much you invest, what you want to own, and which bank you already use.
If you invest S$100 to S$300 a month and are over 30, the OCBC minimum fee makes it hard to justify spreading across several counters. Putting the whole amount into one counter, or topping up less often, is something investors may consider. If you are under 30 with an eligible account, the 0.88% rate is much friendlier on small amounts.
If you want a simple, diversified ETF habit and already bank with DBS or POSB, Invest-Saver is convenient. Personally, I would still compare it against FSMOne's reported 0% fee before settling, because that gap compounds over the years.
If your goal is US exposure, moomoo is the only plan here built for it. If your goal is owning Singapore blue chips directly, OCBC is the only one that offers it.
What Are the Risks of Regular Savings Plans?
Fee drag on small amounts: A minimum fee can turn a cheap plan into an expensive one at S$100 a month.
Limited menus: Invest-Saver has five ETFs. BCIP has 21 counters, reviewed against STI index changes in March and September, so the list can change.
Timing rules: BCIP deducts on the 17th and executes orders on the 22nd of the following month, so your money is not invested immediately.
Fees change: Promotions end. The Invest-Saver refund on certain 2026 purchases is reported to finish on 31 December 2026.
Market risk: An RSP does not remove the risk of loss. Regular investing smooths the entry price but does not protect against a falling market.
What I would watch: whether the FSM and Invest-Saver fee discrepancies get cleared up, and whether OCBC adjusts its minimum fee.
Frequently Asked Questions
What is the minimum investment for an RSP in Singapore?
It is S$100 a month for OCBC BCIP and POSB Invest-Saver, and S$50 for FSMOne's ETF RSP. moomoo's page shows about US$10 for fractional US shares, though other parts of the page show lower figures.
Which is cheaper, OCBC BCIP or POSB Invest-Saver?
On S$100 a month into one counter, Invest-Saver's reported 0.50% to 0.82% is lower than OCBC's S$5 minimum for customers over 30. Under-30 BCIP customers pay 0.88% on up to S$500 per counter, which is close to Invest-Saver.
Can I use SRS for a regular savings plan?
OCBC says BCIP can be funded with cash or SRS. POSB Invest-Saver is cash only, per DBS. For FSMOne and moomoo, please check the provider.
Can I use CPF for a regular savings plan?
I could not confirm CPF eligibility for these plans from the sources I read, so I will not guess. Check with the provider and the CPF Board before using CPF funds.
Do I need a CDP account for BCIP?
No. OCBC says you can open a BCIP account with cash or SRS without a securities trading or CDP account.
Can I invest in individual stocks through an RSP?
Yes, with OCBC BCIP (21 counters, including DBS, OCBC, UOB and Singtel), and FSMOne lists SGX shares among its RSP options. POSB Invest-Saver is ETFs only.
Can I pause or stop my plan?
Generally yes. OCBC lets you amend or cancel through Online Banking, with deadlines around the 16th and 17th of each month. moomoo says you can adjust, pause or delete at any time.
Is FSMOne still called FSMOne?
The platform now appears under the FSM Global name, and the old fundsupermart address redirects to fsm.global. The product pages still carry FSMOne in places.
Does moomoo offer an RSP for Singapore stocks?
The RSP page I read covers US stocks and ETFs only.
Do regular savings plans guarantee returns?
No. They automate when you invest. The value still moves with the market.
The Bottom Line
An RSP is one of the easiest ways to build an investing habit, and Singapore investors have real choice: blue chips and ETFs with OCBC, a narrow ETF menu with POSB, a wide ETF shelf with FSMOne, and US markets with moomoo.
The open question is cost accuracy. Two of the four providers have fee figures that disagree across sources, and I would rather say that plainly than pick a false winner. Check the current fee on the provider's own page before you set up the plan.
Before you start, work out how much you plan to invest per counter each month, because that single number decides whether OCBC's minimum fee is a rounding error or a real drag. If you want to go further into the AI side of research, the handbook below is a good next step. I also covered a Singapore blue chip in my SGX stock analysis.
Join our community for more insights:
https://investkaki.com/community
AI Prompts for Investor Handbook
A practical AI investing handbook packed with copy-and-paste prompts to help you research stocks faster and analyze companies.