- Your cash portfolio is ~S$15k – S$250k — the flat fee works out cheapest
- You want to invest CPF OA at 0.28% (fund costs extra)
- You’re investing under ~S$15k — the fixed US$18 makes Endowus cheaper
- You hold S$250k+ — Syfe’s 0.45%, then StashAway, cost less
- Sign up with the linkOr enter 20IOUG-referral under “Referral/ Promo Code”.
- Fund a portfolioStarter (cash), CPF OA from S$3,000, or SRS.
- Get the S$20 top-upConditions aren’t published — check in the app.
Fees at a glance
| Portfolio | Fee a year | Example |
|---|---|---|
| Starter (cash) | 0.5% + US$18 flat | S$10k → S$74 · S$100k → S$524 · S$500k → S$2,524 |
| CPF OA | 0.28% + fund costs 0.32–0.40% | S$100k → S$280 advisory fee |
| Flexi Cash | 0.1% | — |
| Plus+ | 8% of profits | — |
Full details
AutoWealth vs Endowus, Syfe and StashAway at three sizes
Fee a year on a cash portfolio: S$10k — Endowus S$65, Syfe S$71, AutoWealth S$74, StashAway S$87. S$100k — AutoWealth S$524, Syfe S$600, Endowus S$654, StashAway S$736. S$500k — Syfe S$2,453, AutoWealth S$2,524, StashAway S$2,643, Endowus S$2,725. The others include 9% GST; AutoWealth is as quoted. Fund and ETF costs aren’t included for any of them.
The CPF OA portfolio in full
AutoWealth’s CPF portfolios invest Ordinary Account savings from S$3,000 for a flat 0.28% a year advisory fee; brokerage costs are absorbed. Unit-trust expense ratios of 0.32% (Risk 2) to 0.40% (Risk 5) are charged by the fund managers, after AutoWealth rebates 100% of trailer fees. Your CPF agent bank charges about S$2–S$2.50 per deposit or withdrawal plus S$2–S$2.50 a quarter. Holdings sit in a segregated account in your name at Phillip Securities.
The referral reward
AutoWealth’s referral message says both you and the referrer get a S$20 top-up when you sign up with code 20IOUG-referral. AutoWealth doesn’t publish the referral terms on its site — minimum deposit, timing and which portfolios qualify aren’t stated — so confirm them in the app or with clientservices@autowealth.sg before relying on it.
Questions
Frequently asked
How much is the AutoWealth referral reward?
AutoWealth’s referral message promises a S$20 top-up to both your account and the referrer’s when you sign up with the code 20IOUG-referral. AutoWealth hasn’t published the referral conditions on its website, so check in the app what you need to deposit and when the top-up is paid.
How much does AutoWealth charge?
AutoWealth Starter charges 0.5% a year plus a flat platform fee of US$18 per account, with transaction, custody and rebalancing costs absorbed by AutoWealth — about S$74 a year on S$10,000 by AutoWealth’s own example. CPF OA portfolios cost 0.28% a year, with fund expense ratios of 0.32%–0.40% and CPF agent-bank charges on top. Flexi Cash is 0.1%, and Plus+ charges an 8% performance fee on profits instead.
Is AutoWealth cheaper than Endowus, Syfe or StashAway?
From about S$15,000 to S$250,000, yes: S$524 a year on S$100,000 against S$600 at Syfe, S$654 at Endowus and S$736 at StashAway. Below about S$15,000 the fixed US$18 makes Endowus cheaper, and from S$250,000 Syfe’s 0.45% tier wins, then StashAway from about S$620,000. Fund costs aren’t included.
Can I invest CPF with AutoWealth?
Yes — CPF Ordinary Account savings, from S$3,000, at a 0.28% advisory fee, the lowest robo fee for CPF here (Endowus charges 0.40% plus GST). Fund costs of 0.32%–0.40% and your CPF agent bank’s charges of about S$2–S$2.50 per transaction and per quarter apply on top. Holdings sit in your name with Phillip Securities. AutoWealth also offers SRS portfolios.