Fortune favours
the investor

We don’t believe in leaving things to chance, and we’re here to support you with investment solutions that cater to real-life goals, just like yours. With us, you’ll get globally diversified, risk-managed strategies at your fingertips.

Fees as low as 0.2% 

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

Fortune favours <br/> the investor

General Investing is intelligent investing

  • Gives you intelligent, global diversification across many asset classes
  • Aims to outperform the benchmark in the long term
  • Seeks optimal risk-adjusted returns in the long term
  • Powered by some of the world’s top fund managers
  • Built with cost-effective ETFs
General Investing is intelligent investing

General Investing is easy investing

  • Set up a pre-made portfolio in minutes
  • Portfolios are automatically updated by experts, so you don’t have to do a thing
  • No minimum balance or monthly requirements
  • Low fees, and never any hidden fees
  • No lock-in period
General Investing is easy investing

Our General Investing Portfolios

General Investing powered by BlackRock®

About this portfolio

  • It's our most diversified portfolio yet
  • Expect long-term outperformance, and short-term ups and downs that trend with the markets
  • Powered by one of the world's largest asset managers, BlackRock.

Number of underlying funds: 15-25

Average expense ratio: 0.2% p.a.

General Investing powered by BlackRock®

Responsible Investing (ESG)

About this portfolio

  • Keeps risk constant while optimising for returns
  • Expect long-term outperformance, and occasional deviation from how the markets are doing in order to keep your risk level constant

Number of underlying funds: 7-13

Average expense ratio: 0.2% p.a.

Responsible Investing (ESG)

General Investing powered by StashAway

About this portfolio

  • Keeps risk constant while optimising for returns
  • Expect long-term outperformance, and occasional deviation from how the markets are doing in order to keep your risk level constant

Number of underlying funds: 7-13

Average expense ratio: 0.2% p.a.

General Investing powered by StashAway

Investing shouldn't be a maze

We make investing easy. We’ve got the heavy work covered. 

Risk tailored, returns maximised

Bold, cautious or anything in between, you decide on the risk that works for you. We tailor risk to maximise returns for your unique comfort level.

Here at every step

Experience the simplicity of our app, available whenever you need it. But we get it—sometimes, you just need to hear a voice. At StashAway, we ensure that there's always someone at the end of the line, ready to help.

Helping you make the right investment decisions

We're here to share, guide, and keep everything open and honest so you can make decisions that work for you.  No suits, no ties, just genuine advice and a lot of transparency.

Performance details
Risk level
Moderate
Lower risk
Higher risk
This is how a $100,000 deposit would have grown over time
2023202220212020201920182017Annualised since Inception
Returns (%)
10.15%-13.23%4.54%10.70%21.58%-1.35%2.66%4.91%
Disclaimer
Asset allocation for "General Investing powered by StashAway"
Equities
34.6%
Bonds
55.7%
Others
8.8%
Cash
1%

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.

SRS

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

Start investing with any amount

Onboarding is available with

By creating an account, you agree to the Platform Agreement

Download our mobile app

Start investing with any amount

Frequently Asked Questions

This is the measurement we use to determine how much risk our system should expose you to, which then determines your portfolio’s asset allocation. We gave it our own name not to be fancy, but because it’s a specific application of a fairly common risk metric called Value-at-Risk (VaR).

To calculate the potential loss of a portfolio in a year, we use Value-at-Risk (VaR). At StashAway, we use 99%-VaR, meaning  a portfolio has  a 99% probability of not losing more than a given percentage of assets in a year.

Here’s an example: a StashAway portfolio with $100,000 SGD and a StashAway Risk Index of 10% has a 99% probability of not losing more than 10%, or $10,000 SGD in a year. In other words, there is a 99% probability that your portfolio’s value won’t decrease below $90,000 SGD if you select a 10% StashAway Risk Index.

Rebalancing:

When a particular asset reaps significant gains relative to other assets in the portfolio, its market value weight increases above target allocation. Without rebalancing, the portfolio is increasingly concentrated in the outperforming asset class hence raising risks. Our algorithm checks customer portfolios daily, and performs rebalancing when allocations deviate from targets by more than our "optimised" bands. This can happen weekly, monthly or quarterly, depending on the markets' volatility and performance.

Re-optimisation:

Returns and risks of each asset class change when the economic environment changes. For example, between Jan-1982 and Dec-2016, the S&P 500 returned +16.4% year over year (yoy) in "disinflationary growth", -10.3% yoy in a "recession", +8.8% yoy in "inflationary growth" and 2.7% yoy in "Stagflation". To optimise customers' portfolios, StashAway builds portfolios that consist of a mixture of asset classes optimum for a given economic environment. Our investment framework, ERAA (Economic Regime-based Asset Allocation), identifies and signals a change in the economic cycle and our technology automatically re-optimises portfolios’ asset allocations. This change in asset allocation is important because it allows us to manage risk and improve returns in different economic environments. This change is "strategic" (can happen once a year to once every few years) but may be as frequent as 2-3 times a year if there is a lot of economic uncertainties.

When investing as an individual, there are minimum trade sizes and high transaction costs imposed on the account, and this makes investing as an individual cost-prohibitive. With StashAway, you will benefit from the constant monitoring, rebalancing, and re-optimisation that we provide. Moreover, StashAway is able to offer fractional shares to make your portfolio more precisely allocated that is nearly impossible if you were to do it on your own.

Watch: Why should I use StashAway instead of investing in the same ETFs on my own?

Learn more: Who Should Manage Your Investments?

A single return figure (Time-Weighted Returns vs Money-Weighted Returns) does not tell the whole story of how well a portfolio performs.

Returns are one thing but the level of risk exposure your portfolio has in achieving those returns is an entirely different matter. 

Remember to consider how much risk your portfolio manager exposes your money to in the name of getting your returns.

A single return figure (Time-Weighted Returns vs Money-Weighted Returns) does not tell the whole story of how well a portfolio performs.

Returns are one thing but the level of risk exposure your portfolio has in achieving those returns is an entirely different matter. 

We have taken every possible measure to protect your assets, from requiring two-factor authentication for any changes and identity verification for withdrawals, building a secure server infrastructure to protect you from cyber attacks, and partnering with a large bank to store your assets. To learn more, please visit this link.

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