- Your portfolio is under ~S$425k
- You want to invest CPF OA, CPF SA or SRS too
- You’re investing ~S$425k or more in cash
- You want no minimum — Endowus needs S$1,000
Fee a year, cash portfolio
| Portfolio | Endowus | StashAway | Cheaper |
|---|---|---|---|
| S$5k | S$33 | S$44 | Endowus by S$11 |
| S$10k | S$65 | S$87 | Endowus by S$22 |
| S$25k | S$164 | S$218 | Endowus by S$54 |
| S$50k | S$327 | S$409 | Endowus by S$82 |
| S$100k | S$654 | S$736 | Endowus by S$82 |
| S$250k | S$1,363 | S$1,553 | Endowus by S$190 |
| S$500k | S$2,725 | S$2,643 | StashAway by S$82 |
One wrinkle: between about S$175k and S$200k StashAway is a little cheaper (by up to ~S$40), because Endowus still charges 0.60% on the whole balance until it reaches S$200k.
Check your exact size in the calculator →Beyond the fee
| Endowus | StashAway | |
|---|---|---|
| CPF OA / SA | Yes, 0.40% + GST | No |
| SRS | Yes, 0.40% + GST | Yes |
| Minimum | S$1,000 | None |
| How fees are tiered | Whole balance at one rate | Each slice at its own rate |
| Sign-up reward | S$20 fee credit (invest S$1,000+) | Extra 3 months without fees (deposit within 30 days) |
On S$100k, StashAway’s 3 fee-free months are worth about S$184 — more than Endowus’s S$20 credit — but Endowus’s lower fee makes that back in about two years.
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Questions
Frequently asked
Is Endowus or StashAway cheaper?
Endowus, for cash portfolios up to about S$425,000 — S$654 a year on S$100,000 against S$736 at StashAway, incl. GST (24 Oct 2026). Above about S$425,000 StashAway’s sliced fees come out lower: S$2,643 against S$2,725 on S$500,000. Fund costs are extra for both.
Can I invest CPF with StashAway?
No. StashAway accepts SRS but doesn’t offer CPF investing. Endowus invests CPF OA, CPF SA and SRS at 0.40% a year plus GST.
What is the minimum to start?
Endowus needs S$1,000. StashAway has no minimum.
Which has the better sign-up reward?
StashAway’s invite link gives an extra 3 months without management fees, worth about S$184 on S$100,000. Endowus’s code KVXXK gives a S$20 fee credit once you invest S$1,000.
Are there cheaper robo-advisors than both?
By platform fee, yes, from about S$15,000 up: AutoWealth (0.5% + US$18 a year) is cheapest from about S$15k to S$250k, and Syfe from S$250k to about S$620k. Endowus is cheapest below about S$15k.