A robo-advisor is a digital platform that builds and rebalances a portfolio of funds or ETFs for you, usually after a short risk questionnaire. You pay a percentage fee on the money you invest, and the platform does the rest. In plain terms, it is a hands-off way to own a diversified basket without picking each holding yourself.

Here is how the three compare on the basics, using figures reported by Singapore comparison sites in mid-2026.

The bold row is the one that changes the decision for many people. If part of your money sits in a CPF Ordinary Account, only one of these three is listed as taking it directly.

A fee percentage on its own is hard to feel. So here is what the common headline rates mean in dollars a year, before the cost of the underlying funds.

The gap between the lowest and highest rate is S$550 a year on S$100,000. Over twenty years of compounding, that is real money, which is why I care about this more than the glossy portfolio names.

Two details matter on top of the headline.

First, StashAway's own comparison page (dated 8 October 2026) lists its managed fee as 0.8% on the first S$25,000, stepping down to 0.2% above S$1 million, with a flat 0.30% for its single-ETF Flexible Portfolio.

Second, one roundup puts the extra cost of the underlying ETFs at roughly 0.10% to 0.20% a year for StashAway portfolios, so the all-in figure is higher than the management fee alone. Ask every platform for the all-in number, not just the platform fee.

Of the three, Endowus is the one the comparison sites list with direct CPF-OA investing, at a reported 0.40% for CPF and SRS portfolios. Syfe and StashAway are listed as taking cash and SRS. One roundup says StashAway can connect to a CPF Investment Account in a limited way, so I would not treat that point as fully settled. Confirm with the provider before you move any CPF money.

SRS is more open. All three list SRS support, though which portfolios you can fund with SRS money varies by provider. If SRS is your main reason for looking, I walked through the options in SRS Investing Singapore: Best Options for Your SRS Account in 2026. For the CPF side of the argument, CPF OA vs SGX ETF: Which Grows Faster Over 20 Years? is worth a read first, because the guaranteed CPF-OA rate is the hurdle any CPF-funded portfolio has to beat.

This is the table I wish more comparison pages led with. It starts from what you are trying to do, not from which logo looks nicest.

Notice that fee is not the deciding column for most rows. Money type, minimum and product shape decide first. Fee decides between two platforms that already fit.

The catch is that the published numbers do not line up. One roundup I read lists Syfe at a flat 0.35% across its portfolios. Another lists Syfe at 0.25% to 0.65%. StashAway's own page shows Syfe on a tiered schedule that starts at 0.65% below S$50,000, but that is a competitor's page, so I treat it as a hint rather than a fact. The same roundup that quotes StashAway at 0.2% to 0.8% in its summary shows 0.4% as the lowest tier in its body text.

I would rather say it plainly than bury it: I could not pin down a single, current, primary-source fee schedule for all three from the sources I checked. Fees, promos and tier breakpoints change often. Before you commit a lump sum, open each provider's own fee page, write down the rate for your balance, and ask what the underlying funds cost on top.

If you are weighing a robo-advisor against doing it yourself, the DIY route is a broker plus a low-cost ETF. Best Online Broker Singapore 2026 and ES3 vs G3B: The Complete STI ETF Comparison cover that side. Personally, the trade is simple: you pay a robo-advisor a fee to remove decisions and rebalancing, and you keep that fee if you are happy to do the work.

What I would watch: whether your chosen platform changes its fee tiers, and whether the CPF and SRS options you rely on stay available.

It depends on the portfolio and your balance, and published figures differ between sources. Reported management fees range from about 0.25% to 0.80% across the three. Compare the rate for your own balance on each provider's fee page, plus underlying fund costs.

Endowus is the one listed with direct CPF-OA investing. Syfe and StashAway are listed as cash and SRS platforms, though one roundup mentions limited StashAway CPF Investment Account connectivity. Confirm with the provider before moving CPF money.

All three list SRS support. Which portfolios accept SRS money varies, so check the specific portfolio you want before transferring.

Syfe and StashAway report no minimum on managed portfolios. Endowus reports about S$1,000 to start with top-ups from S$100, and S$10,000 for its income portfolios. Cash products may differ, so check each one.

With no reported minimum, Syfe and StashAway are easy to start on. The better test is whether the portfolio matches your goal and time horizon, not which one lets you start with the smallest amount.

A robo-advisor invests in funds or ETFs that can rise and fall. Cash products such as Syfe Cash+ Flexi, Endowus Cash Smart and StashAway Simple are reported at lower fees and aim to hold value while earning a return, but they are still not the same as a bank deposit. Read the product page for the specifics.

I did not independently verify each firm's licence for this post. Check the MAS Financial Institutions Directory for the entity you are signing up with, and read the risk disclosures on its site.

A robo-advisor charges a fee for portfolio building and rebalancing. A broker plus an ETF can cost less but needs more of your time. Neither is better in the abstract. It comes down to how much you value having it done for you.

On each provider's own pricing page. Comparison articles, including this one, can lag behind changes, so treat them as a starting point.

The useful thing a robo-advisor gives you is time. It builds the portfolio, rebalances it, and lets you get on with your week. For Singapore investors, the real differences are less about branding and more about which money you can bring in and what you pay on it.

The open question is the fee itself. The numbers I found conflict across sources, and the management fee is only part of the cost. I would not pick a platform on a single quoted percentage.

What I would do is list your goal, your type of money (cash, SRS or CPF) and your balance, shortlist the platforms that fit, then check the live fee page for each before moving a dollar.