We have financial planning tools and a wide range of investment portfolios from which you can choose so that you can direct your money towards the future you want.
Imagine what’s possible when you treat your money right
We’ve paired personalised wealth management and financial planning with our intelligent investment framework. The result? A financial future that you want and can count on.
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We’re licensed by the Monetary Authority of Singapore. Find out more.
Invest for what you want, not what someone else tells you to want
Invest for your retirement
When do you want to retire? What do you want your retirement to look like? How much have you already started saving? How much can you put aside each month? We’ll get just personal enough to build you a personalised retirement plan that helps you retire how you want. You can even invest your SRS funds with us.
Invest to build your wealth
You should feel confident, comfortable, and in control about the path you take to build your wealth. That’s why, with us, you can select the risk level that feels right, and access your money whenever you’re ready to use it.
Invest towards your life goals
Want to buy a house? Send your kids to a great university? Tell us what you want to achieve, and we’ll build you a savings and investment plan to help you reach each of your financial goals.
Invest for an income stream
Our diversified Income Portfolio has government bonds, corporate bonds, REITs, and equities so that you can earn both income and returns in SGD through various market and economic conditions.
How investing with us works
1.
Tell us about your financial situation and your financial goals.
2.
We’ll customise an investment plan that reflects your goals and risk preferences.
3.
Stay on track with your investment plan with flexible standing instructions.
4.
Manage your money wherever you are with our desktop and mobile apps.
5.
Get real people to answer any of your StashAway or money management questions.
Our investment principles
Make investments decisions with data, not with gut feelings
To manage your investments, we use macroeconomic indicators so that we know about changing economic conditions long before the markets respond, data to understand how asset classes perform in different economic conditions, and thousands of hours of research and testing to select the exact asset classes that comprise your investments.
High returns don't have to come with high risk
High risk doesn’t necessarily mean high returns. In fact, because we understand which asset classes perform best in particular economic conditions, we earn returns without exposing your money to unnecessary risk. And, with the StashAway Risk Index, you can decide exactly how much risk to which you’re willing to exposure your money.
How our portfolios have performed
Below is our portfolios' performance and our same-risk benchmarks' since our launch in July 2017. We compare our portfolios' performance to their respective same-risk benchmarks because risk management is a core function of our investment strategy: We designed and manage our portfolios to maximise your returns without exposing your money to excessive, unnecessary risk to earn those returns.
Our same-risk benchmarks are proxied by MSCI World Equity Index (for equities) and FTSE World Government Bond Index (for bonds). The benchmarks we use have the same 10-years realised volatility as our portfolios. Past performance is not a guarantee for future returns. Before investing, investors should carefully consider investment objectives, risks, charges and expenses, and if need be, seek independent professional advice. Last updated November 2019.
Our investment framework's goal isn't to beat the markets every day. In fact, depending on how much risk you decide to take, you'll likely still experience short-term volatility at times. But, through those bumps, your StashAway portfolios can recover more quickly compared to investments with the same risk level that don't maximise returns returns. The end result? The opportunity for less painful drawdowns in the short term, and stronger performance in the medium to long term.
Build your wealth faster with cost-efficient investing
Precision and flexibility through fractional shares
We can buy fractions of shares as small as 0.0001 units of an ETF. That way, you can invest every cent whenever you want, instead of waiting for just the right amount of money to buy a full share. Fractional shares also offer precision that allow us to maintain your exact risk preference no matter how the markets are doing or how much you invest. Find out why fractional shares make a difference to your wealth.
Automated rebalancing
When a given asset outperforms the other assets in your portfolio, the system automatically rebalances the portfolio to get it back on target to maintain your risk level. This is included in our management fee. Learn more about rebalancing.
Low expense ratios
We use ETFs to build our portfolios. ETF fund managers who build the ETFs usually charge a fee, known as an expense ratio, when fund managers (like us) buy their ETFs. One of the criteria on which we don’t compromise is making sure that each ETF that is in your portfolio has a low expense ratio. Learn how we select ETFs.
Low annual management fees
Our management fee for our investment portfolios is between 0.2% and 0.8% per annum for your investments. Learn more about our pricing structure.
Frequently asked questions
Why asset allocation instead of securities selection?
According to the mid-2016 SPIVA US Scorecard, 94.58% of US domestic equity fund managers who participate in active fund management have underperformed the relevant passive index benchmark in the past 5 years. In other words, only about 5% of active fund managers delivered positive returns against their benchmark. Data for other countries and time periods are comparable.
Not sure about you, but we didn't like the sound of those odds.
We don't engage in securities selection, and we refrain from using actively managed funds; instead, we build our customers’ portfolios with a carefully selected assortment of highly diversified, liquid and low-cost exchange-traded funds (ETFs). These index-tracking investment tools enable our customers to gain diversified, long-term exposure to a variety of asset classes and geographies.
How does StashAway select ETFs?
StashAway chooses the best-in-class ETFs on your behalf. We chose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to the index and a sufficiently long track record. We choose simple ETFs, which means they have no leverage or complex payoffs, and have no ETNs to avoid credit risk of issuer.
Why don’t I just invest on my own?
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, which is nearly impossible if you were to do it on your own.
We manage cash, too
Earn 1.9% p.a. on any amount of cash with StashAway Simple™. No lock-up. No management fee. No kidding.