The effortless way to invest in Singapore

Build your wealth by investing in established Singaporean assets.

No minimum investment, no foreign exchange risk, no lock-ins.

Diversified across bonds, equities, and S-REITs.

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We’re licensed by the Monetary Authority of Singapore (Licence no. CMS100604).

The effortless way to invest in Singapore
The effortless way to invest in Singapore

Invest in a piece of home

Singapore Investing lets you grow your wealth while investing in the future of Singapore. Our diversified portfolio of bonds, equities, and REITs offers a low-risk path to long-term growth. With no minimum investment and management by experts, it's the effortless way to invest in Singapore.

About this Portfolio

Singapore Investing aims to achieve total returns through both dividends and capital appreciation, focusing on investments in Singapore. The asset allocation across Singapore bonds, equities and S-REITS is optimised by economic regime.

About this Portfolio

Current Asset Allocation

(as of 31 July 2024)

  • 34% Corporate Bonds
  • 24% Government Bonds
  • 17% Singapore Equities
  • 12% Cash Equivalents
  • 12% Real Estate
  • 1% Cash

ETFs we invest in >

Current Asset Allocation

At a glance

  • Risk Level: Conservative
  • Base Currency: SGD
  • Recommended Duration: 3 years or longer
  • Minimum investment: None
  • Investment Options: Cash or SRS
At a glance

Two ways to invest

Cash

Make sure your cash is working harder for you! Set up the StashAway app, and transfer via manual deposit or eGIRO FAST.

SRS

Save on taxes and maximise your retirement savings when you invest your Supplementary Retirement Scheme (SRS) funds. 

Managed for long-term success

Singapore Investing leverages our proprietary Economic Regime-based Asset Allocation framework, also known as ERAA®. By reoptimising asset allocation in response to changing economic conditions, it minimises your risk and maximises your returns.

More about ERAA →

No hidden fees.
No kidding.

Subscription fee
Switching fee
Rebalancing fee
Re-optimisation fee

StashAway management fee
0.2% - 0.8% p.a.
Fees charged by ETF manager
Approx. 0.4% p.a.

Start building wealth with Singapore Investing

Onboarding is available with

By creating an account, you agree to the Platform Agreement

Download our mobile app

Start building wealth with Singapore Investing
Start building wealth with Singapore Investing

Frequently Asked Questions

ETFs that allocated in our Singapore Investing Portfolio are Straits Times Index, SG Government Bond, SGD Investment Grade Corp Bond, S-REIT, Asia ex-Japan REIT, and Asia High Yield Corporate Bonds.

For Singapore Investing Portfolio, you can opt to either reinvest the dividend payout or have the payouts sent to your personal bank account.

However, this option is not available if you deposit using an SRS account and the dividend will be reinvested. You may proceed to withdraw the dividend by performing a withdrawal request and the fund will be transferred to your SRS account.

All dividend payments are reflected in your "Transactions" tab.

You should get the payouts as soon as it’s distributed and so we don’t aggregate the underlying funds’ payouts to smooth out the distribution over the course of a year. 

Hence, the dividend payout is dependent on the schedule of each ETFs. There may be a month when a handful of ETFs schedule their payouts; there may be months in which none of the 6 ETFs distribute dividends and no income is paid out at all.

We display Total Returns, Time-weighted Returns, and Money-weighted Returns. The multiple ways of viewing your returns give you the flexibility to understand the performance of your individual portfolio(s) depending on how you wish to evaluate your portfolio(s).

What is Total Return?

Total Return is the simple return of all your portfolios’ returns in the currency terms you select to display.

What is Time-weighted Return?

Time-weighted Return (TWR) is commonly-used in the financial industry, making it an easy metric to compare returns between different portfolio managers. TWR measures the portfolio manager’s ability to generate returns, not the effects of an investor’s deposit and withdrawal behaviours. It does this by tracking performance from the first deposit made into a portfolio.

What is Money-weighted Return?

Money-weighted Return helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by including the effects of multiple cash flows by assigning a weight to each of your deposits and withdrawals. In other words, a deposit or withdrawal of $1,000 SGD has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of $100,000 SGD. 

To learn more, read our article on how we calculate returns.

We display Total Returns, Time-weighted Returns, and Money-weighted Returns. The multiple ways of viewing your returns give you the flexibility to understand the performance of your individual portfolio(s) depending on how you wish to evaluate your portfolio(s).

What is Total Return?

Total Return is the simple return of all your portfolios’ returns in the currency terms you select to display.

What is Time-weighted Return?

Time-weighted Return (TWR) is commonly-used in the financial industry, making it an easy metric to compare returns between different portfolio managers. TWR measures the portfolio manager’s ability to generate returns, not the effects of an investor’s deposit and withdrawal behaviours. It does this by tracking performance from the first deposit made into a portfolio.

What is Money-weighted Return?

Money-weighted Return helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by including the effects of multiple cash flows by assigning a weight to each of your deposits and withdrawals. In other words, a deposit or withdrawal of $1,000 SGD has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of $100,000 SGD. 

Income Investing is a globally diversified fixed income portfolio built to provide regular and stable dividend payouts. It is well-suited for investors looking for reliable income. This is a portfolio managed by StashAway. 

Singapore Investing (formerly: Income Portfolio) is a portfolio that provides irregular dividend payments in addition to capital appreciation. This is due to its investment in a diverse range of Singapore-based asset classes. This is a portfolio managed by StashAway. 

The Passive Income templates which are available as part of StashAway’s Flexible Portfolios are prebuilt with dividend-paying bonds but allow you to customise asset allocation according to your preferences. Payouts are irregular (in alignment with fund manager timelines) and distributed at a minimum of $20 USD. They are well-suited for more experienced investors looking for customisation. This is not a managed portfolio which means StashAway will not reoptimise your asset allocation at any point in time.

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