Thematic Portfolios are here!

Invest in ETFs from ARK, iShares, Global X, and more

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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Invest for what you want, not what someone else tells you to want

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.

Invest for your retirement

We'll build you a retirement plan based on what you want your retirement to look like, how much you've already saved, and what you can continue to save each month. Then, as you approach retirement, our system will intelligently lower the portfolio's risk level so that you can retire with confidence. You can even invest your SRS funds with us.

Learn more about retirement planning 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.

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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.

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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.

Learn more about our Income Portfolio.

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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.

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Our investment principles

Make investment 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 expose your money.

How our portfolios have performed

Below is our portfolios' annualised 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. We calculate these returns before fees. All returns are in SGD terms. The inception date for portfolios with SRI 6.5%, 8%, 10%, 12%, 14%, 16%, 18%, and 20% is 19 July 2017; the inception date for portfolios with SRIs of 26%, 30%, and 36% is 16 August 2018; the inception date for the portfolio with SRI 22% is 15 August 2019. 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 October 2021.

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. 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 low fees and 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. This precision allows us to maintain your exact risk preferences. Find out why fractional shares make a difference to your wealth.

  • Automated and free rebalancing

    When a given asset outperforms the other assets in your portfolio, our 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. The average expense ratio of the ETFs we carefully select is just 0.4% p.a. Learn how we select ETFs.

Frequently asked questions

We manage cash, too

Earn a projected return of 1.0% p.a. on any amount of cash with StashAway Simple™. No lock-up. No management fee. No kidding.