An RSP, or regular savings plan, lets you invest a fixed sum every month on autopilot. The RSP platforms in Singapore worth comparing in 2026 fall into three camps: bank and broker share savings plans like DBS Invest-Saver, OCBC BCIP and POEMS; low-fee fund platforms like FSMOne and dollarDEX; and robo-advisors like Endowus, Syfe and StashAway. The cheapest for buying ETFs is FSMOne, at roughly 0.08% a buy with a minimum of about S$1. The most convenient if you already bank with DBS is Invest-Saver, though its 0.82% sales charge on equity ETFs bites on small amounts. Here is what each one actually costs, the minimum you need, and what you can buy.
You pick a monthly amount, link a bank account, and the platform deducts the money on a set day and buys units of your chosen ETF, fund or stock at that day's price. You never place a manual trade, and you never decide whether today is a good day to buy. That is the point.
Because the dollar amount is fixed while the price moves, you buy more units when markets are cheap and fewer when they are expensive. That mechanic is dollar-cost averaging, and it takes the timing decision out of your hands. Over ten or twenty years the habit matters far more than the exact platform you pick. You can model how a S$200 or S$500 monthly contribution compounds with our compound interest calculator before you commit.
Every RSP in Singapore is one of three things, and the type decides your fees, your minimum, and what you are allowed to buy.
The numbers below are each provider's published rates, checked in June 2026. Fees and promotions move, so treat them as 'from' figures and confirm on the provider's own page before you sign up. The buy cost is what you pay per monthly purchase; the robo figures are annual management fees charged on your balance instead.
| Platform | Min / month | Buy or management fee | What you can buy | CPF / SRS |
|---|---|---|---|---|
| FSMOne RSP | S$50 (ETFs), S$100 (funds) | ~0.08% per buy, min S$1 | 300+ ETFs, 2,000+ unit trusts | Cash, SRS |
| DBS / POSB Invest-Saver | S$100 | 0.50% (bonds) to 0.82% (equity/REIT) per buy | 5 SGX ETFs | Cash only |
| OCBC Blue Chip Investment Plan | S$100 | 0.88% under 30, else 0.30% or min S$5 | 21 SGX blue-chip stocks and ETFs | Cash only |
| Phillip POEMS Share Builders | S$100 | ~0.30% p.a. of holdings, min S$1, capped ~S$8.88/mth | 50+ ETFs, stocks and REITs | Cash, SRS |
| dollarDEX (Singlife) | S$100 | 0% sales charge, 0% platform fee | 900+ unit trusts | Cash, SRS |
| Endowus | S$1,000 to open, S$100 top-ups | 0.25-0.60% p.a. cash, 0.40% flat CPF/SRS | Curated fund portfolios, DIY funds | Cash, CPF, SRS |
| Syfe | No minimum | 0.25-0.65% p.a. (robo); SGX from ~0.06%, min S$1.98 | Managed portfolios; SGX and US stocks | Cash, SRS |
| StashAway | No minimum | 0.20-0.80% p.a. | Managed multi-ETF portfolios | Cash, SRS |
There is no single winner, because the right platform depends on what you buy and where the money comes from. Match your case to the list below.
What you drip into changes your cost more than which brand you pick. An ETF passively tracks an index and carries a low expense ratio, often under 0.30% a year for a Singapore equity fund. A unit trust is actively managed and usually charges 1% or more annually on top of any sales charge, so the manager has to beat the index just to break even against a plain ETF. We lay out the difference in the ETF vs unit trust comparison.
For a beginner building a Singapore core, the STI ETF through Invest-Saver or FSMOne is a low-cost start. If you want global diversification, the bank plans fall short and you are better off with FSMOne's wider ETF list or a robo portfolio. Never bought a fund before? Start with our guide to investing in Singapore.
Most RSPs run on cash, but the source of your money narrows the list quickly. For SRS, FSMOne, dollarDEX, POEMS and all three robos accept it, so you can pick on fee and product. Running SRS through an RSP lets you use the tax relief and put the money to work instead of leaving it in the low-interest SRS holding account.
For CPF Ordinary Account money, the choice is far tighter. Among the robos, Endowus is the one that handles CPF investing, at a flat 0.40% access fee, and it rebates trailer fees from the underlying funds back to you. Bank RSPs like Invest-Saver and OCBC BCIP are cash-only. Compare the robo options in our Endowus vs StashAway vs Syfe comparison before you move CPF money, since it cannot easily go back once invested.
Opening an RSP is fully digital. You verify your identity with Singpass Myinfo, link a bank account or PayNow, set the monthly amount and buy day, then leave it alone. Bank plans approve you the same day if you already hold an account; brokers and robos take a day or two to set up your CDP or custodian account. A few things to check before the first deduction goes out.
For buying ETFs, FSMOne is the cheapest, at roughly 0.08% per monthly buy with a minimum of about S$1, far below DBS Invest-Saver's 0.82% on equity ETFs. For unit trusts, dollarDEX charges 0% sales and 0% platform fee, though the funds' own expense ratios still apply.
It depends on the platform. FSMOne starts from S$50 a month for ETFs, while DBS Invest-Saver, OCBC BCIP, POEMS and dollarDEX all start from S$100 a month. Robo-advisors like Syfe and StashAway have no minimum, so you can begin with any amount.
SRS is widely accepted, including by FSMOne, dollarDEX, POEMS and the robos. CPF Ordinary Account money is far more restricted; among the robo-advisors, Endowus supports CPF investing at a flat 0.40% fee, while the bank share savings plans are cash-only.
Neither wins every time. An RSP spreads your entry across many months through dollar-cost averaging, which lowers the risk of buying everything at a market peak and builds a habit. A lump sum tends to win on average when markets rise over the long run, simply because the money is invested sooner.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.