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The full cost of buying or selling

* The lower the FX spread, the better. FX spread is charged by platforms on top of the FX exchange rate when converting SGD to USD or vice versa. So, it directly impacts your total cost of investing.StashAway’s FX spread is among the lowest in the market compared to brokerages and banks.

Example calculation when investing $5,000 SGD

StashAway is regulated by the Monetary Authority of Singapore (“MAS”) and holds a Capital Markets Services license for fund management.

The fee information presented in the comparison table is based on publicly available data as of 2 July 2025 and is provided for general informational purposes only. The actual fees and charges of the named business operators (e.g., brokers and banks) may vary depending on the specific services, account types, promotional campaigns, or additional conditions that are not publicly disclosed.

Where currency conversion cost is not expressly indicated by the above brokerages, we have taken it to be the difference between the official exchange rate and the respective brokers' bid/ask rate, simulating a transaction on 20 June 2025.

We carefully select a representative ETF for each investment idea. Our investment team conducts in-depth analysis across the universe of ETFs in each asset class, focusing on cost-efficiency (including tax optimisation), historical performance, and risk management. This ensures we’re choosing ETFs that are both high-quality and cost-effective for your portfolio.

While UCITS-listed ETFs offer a lower withholding tax rate of 15% on dividends compared to US-listed ETFs with 30%, our investment team evaluates ETFs based on the total cost of ownership and long-term performance. This includes factors such as tracking quality, expense ratio, liquidity, dividend reinvestment mechanics, and index replication efficiency. 

Over longer horizons, some US-listed ETFs might have structural advantages, including lower fees, tighter spreads, and better tracking, which more than offset the withholding tax difference. Our ETF lineup is continuously reviewed to ensure it meets our standards for cost-efficiency, liquidity, and performance.

The time it takes for your funds to be invested depends on your deposit method and which exchange the ETFs in your portfolio are listed on.

Here’s how long it typically takes for us to receive your funds based on the transfer method:

• eGIRO Fast: Instantly
• Manual bank transfer: 2–3 business days
• SRS contributions: 3–4 business days

Once your funds are received:

• For US-listed ETFs: Invested on the same business day if received before 3:00pm (SGT)
• For LSE-listed ETFs: Invested on the same business day if received before 10:30am (SGT)
• Funds received after these cut-off times will be invested on the next business day

You’ll receive both an email and an app notification once we’ve received your funds, and your investment should typically be reflected in your portfolio by the next business day.

The Risk Level is a measure of risk, expressed as a percentage, whereby in any given year, there is a 99% probability that you won’t lose more than this percentage in terms of the portfolio’s value.

These are the Risk Level brackets:

• Very Conservative: Up to 7%
• Conservative: 8-13%
• Moderate: 14-19%
• Balanced: 20-25%
• Aggressive: 26-32%
• Very aggressive: 33% and more

For example, in a worst-case scenario, there's a 99% chance a Balanced portfolio won't lose more than 25% of its value in any given year.

Generally, a higher Risk Level percentage denotes a more risky portfolio, and thus should be accompanied by a longer-term investment horizon.