StashAway is a Singapore robo-advisor that builds you a low-cost ETF portfolio and runs it on autopilot, with a separate set of cash products for money you do not want to invest. The pull is simplicity: no lock-in, no minimum to start a General Investing portfolio, and a fee that drops as your balance grows. As of June 2026 you pay 0.8% a year on your first S$25,000, falling to 0.2% above S$1 million. This StashAway review skips the marketing and works through the actual fee tiers, the current yields on Simple cash and Simple Plus, how your money is held, and the cases where a plain DIY ETF or a rival robo beats it.
StashAway is a digital wealth manager licensed by the Monetary Authority of Singapore under Capital Markets Services licence CMS100604. You answer a few questions about goals and risk, and its algorithm assembles a portfolio of low-cost exchange-traded funds, then rebalances it as markets move. You never pick individual stocks; you pick a risk level and a goal.
The investing engine is a rules-based framework StashAway calls ERAA (Economic Regime-based Asset Allocation). It shifts the asset mix when macro signals (inflation, growth) change regime, rather than reacting to daily price swings. Whether that beats a static index allocation is debatable, but it is the reason StashAway is an active robo rather than a buy-and-hold one.
If the robo concept is new to you, start with our plain-English robo-advisor definition, then come back. StashAway sits in the same bracket as Syfe and Endowus, which we line up side by side in our Endowus vs StashAway vs Syfe comparison.
StashAway charges a tiered management fee on its investment portfolios (General Investing, Responsible Investing, Thematic and Flexible). The rate is marginal, so each band only applies to the dollars inside it, not your whole balance. On top of the StashAway fee you pay the underlying ETF managers roughly 0.2% a year, which StashAway does not pocket.
The cash products are priced separately and far cheaper, because they hold money market and short-duration bond funds rather than equities.
| Investment amount | Annual StashAway fee |
|---|---|
| First S$25,000 | 0.8% |
| S$25,001 to S$50,000 | 0.7% |
| S$50,001 to S$100,000 | 0.6% |
| S$100,001 to S$250,000 | 0.5% |
| S$250,001 to S$500,000 | 0.4% |
| S$500,001 to S$1,000,000 | 0.3% |
| Above S$1,000,000 | 0.2% |
| Flexible Portfolio (single-ETF holdings) | 0.3% |
On a S$10,000 General Investing portfolio you pay 0.8% to StashAway, about S$80 a year, plus roughly 0.2% in ETF costs, so close to 1.0% all-in. That is competitive for a managed, rebalanced portfolio but noticeably above a self-managed global ETF, where the fund expense ratio alone can sit near 0.2%. The gap is the price of automation and advice.
StashAway runs three cash and short-term products. They are not bank deposits and are not covered by the SDIC deposit guarantee, a point we return to under custody. The figures below are projected or net-of-fee rates StashAway published as of early-to-mid 2026; cash yields move with interest rates, so always check the live figure in the app before depositing.
| Product | Rate | StashAway fee | Lock-in | Notes |
|---|---|---|---|---|
| Simple cash | 1.5% p.a. projected, net of fees (as of 6 Apr 2026) | 0.15% p.a. | None | Money market and enhanced-liquidity funds; rate floats |
| Simple Plus | 2.8% p.a. yield to maturity, net of fees (as of 6 Apr 2026) | 0.2% p.a. | None (12-month hold suggested) | Short-duration bonds; mild short-term volatility |
| Simple Fixed | 1.05% p.a. guaranteed, 1-month tenor (as of 22 Jun 2026) | Built into the rate | Fixed tenor | Launched Jan 2026, replaces Simple Guaranteed |
From early January 2026 the older Simple Guaranteed product stopped taking new deposits. Existing balances run to maturity, after which you reinvest into Simple Fixed, a fixed-rate, fixed-tenor portfolio where StashAway absorbs any shortfall and keeps any excess so your quoted rate holds. The 1.05% on a one-month tenor is low by recent standards because Singapore dollar rates have eased through 2026; compare it against a fixed deposit versus investing calculator before parking a large sum.
Beyond the cash bucket, StashAway gives you several investing routes. Most carry no minimum; the Income Portfolio is the exception.
You can fund any investing portfolio with cash or with SRS, which makes StashAway one way to deploy idle Supplementary Retirement Scheme money. If you are weighing SRS contributions for the tax relief, our SRS tax-relief calculator shows the trade-off first.
StashAway never holds your assets on its own balance sheet. Your money sits in custody at established institutions (Saxo, DBS and HSBC are named for Singapore), so if StashAway itself failed, your holdings are ringfenced from its creditors. Access is protected by two-factor authentication and login alerts.
The honest caveat: nothing on StashAway is SDIC-insured. The SDIC scheme covers Singapore-dollar bank deposits up to S$100,000 per depositor per bank, and StashAway products are investments, not deposits, even the cash and Simple Fixed products. You are taking investment and fund-manager risk, not deposit risk. For a like-for-like protected alternative, government-backed options such as Singapore Savings Bonds or T-bills carry different (and arguably lower) risk.
StashAway fits a first-time or time-poor investor who wants a hands-off, diversified portfolio and is happy to pay for the convenience. If you are comfortable buying one or two global ETFs yourself, the cost case weakens; weigh it with our robo-advisor versus DIY ETF breakdown. To see how fees compound over decades, run your numbers through the compound interest calculator.
StashAway runs an evergreen referral program: refer a friend and both sides typically get a stretch of management fees waived on a capped amount for around six months. It also runs seasonal pushes; the Chinese New Year 2026 campaign offered up to six months of free investing on fresh funds (the more you added, the longer the waiver) plus welcome rewards such as a Gold ETF top-up, running roughly 4 February to 6 March 2026.
Treat any waiver as a small head start, not a reason to invest. A few months of free fees on S$10,000 saves on the order of S$20 to S$40; the portfolio decision matters far more. Opening an account is a digital flow with Singpass identity verification, a risk questionnaire, and a PayNow or bank transfer to fund it.
It is worth it if you want a hands-off, diversified portfolio and accept paying 0.2% to 0.8% a year for automation. If you are happy buying a single global ETF yourself, the lower cost of doing it directly usually wins on long horizons.
Your assets are held in custody at Saxo, DBS and HSBC and ringfenced from StashAway, which is MAS-licensed under CMS100604. But no StashAway product is SDIC-insured, so you carry investment and fund risk rather than deposit protection.
Simple cash targets a lower projected rate (around 1.5% p.a. net as of April 2026) with effectively no volatility, while Simple Plus chases a higher yield to maturity (around 2.8% p.a. net) by holding short-duration bonds, which adds mild short-term price swings. Neither is SDIC-covered.
No, for General Investing, Thematic, Flexible and Responsible Investing portfolios you can start with any amount. The Income Portfolio is the only product with a minimum, at S$10,000.
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.