Best Investment Apps Singapore

In a fast-paced world where financial decisions can have lasting impacts, finding the best investment apps is crucial, especially for those based in Singapore. Investment has evolved significantly, with apps playing a major role in how individuals, from novice to experienced investors, manage their portfolios. The best investment apps in Singapore offer accessibility, ease of use, and a variety of options to suit diverse financial goals. With an increasing number of people seeking to grow their wealth through investments, these apps serve as vital tools. However, not all apps are created equal—some excel in certain areas, while others may cater to specific types of investors. In this comprehensive guide, we'll explore the top investment apps available in Singapore, their features, pros, cons, and who they might best serve.

Why Investment Apps Matter
Gone are the days when you needed a broker or a financial advisor to access the stock market or other investment vehicles. Now, with just a smartphone and a few taps, you can start investing in stocks, ETFs, REITs, bonds, and even cryptocurrencies. Investment apps have democratized access to wealth-building tools, allowing more people than ever to participate in financial markets. These apps can help you manage risk, monitor market trends, and make informed decisions, all from the convenience of your mobile device.

Top Investment Apps in Singapore

1. Syfe

Syfe is a leading robo-advisor in Singapore, offering a wide range of portfolios tailored to different risk appetites. With Syfe, you can choose from various investment portfolios, including global diversified portfolios, REIT portfolios, and even a fully personalized portfolio option. The app is ideal for beginners due to its user-friendly interface and educational resources.

Key Features:

• Low minimum investment amount (S$500)
• No lock-in period, which allows easy liquidity
• Free advisory service for those seeking personalized advice
• Risk-based portfolios for different investor profiles
• Educational content to help users understand the basics of investing

Syfe Plan	Management Fee	Minimum Investment
Core Portfolio	0.35% - 0.65%	S$500
REIT+	0.40% - 0.65%	S$500
Cash+	0%	S$0

2. StashAway

StashAway is another prominent robo-advisor available in Singapore, known for its intuitive design and ease of use. What sets StashAway apart is its focus on algorithm-driven investing, which adjusts portfolios based on macroeconomic trends. It's a good choice for investors who want a hands-off approach to managing their investments.

Key Features:

• Customizable portfolios based on risk tolerance
• Uses a proprietary algorithm to adjust portfolios in real-time
• No minimum investment, making it accessible to all
• Educational resources like financial planning tools and webinars

StashAway Plan	Management Fee	Minimum Investment
General Investing	0.2% - 0.8%	S$0
Thematic Portfolios	0.8%	S$10,000

3. Tiger Brokers

For those who prefer to manage their portfolios actively, Tiger Brokers is an excellent option. Tiger Brokers offers access to multiple global markets, including the U.S., Hong Kong, and China, allowing you to trade stocks, ETFs, options, and futures. It's a feature-packed app suited for more experienced investors who want control over their trades.

Key Features:

• Low commission fees (as low as 0.03% for U.S. stocks)
• Access to various markets, including the U.S., Hong Kong, and China
• Real-time market data and analysis tools
• Option for margin trading for those who want to leverage their investments

Tiger Brokers Plan	Commission Fee	Market Access
U.S. Market	0.03%	U.S., HK, China
Hong Kong Market	0.08%	U.S., HK, China

4. Endowus

Endowus distinguishes itself by allowing Singaporean investors to invest their CPF (Central Provident Fund) and SRS (Supplementary Retirement Scheme) funds, in addition to cash. It provides access to institutional-level funds at low costs, making it a favorite among those looking to maximize their retirement savings.

Key Features:

• Access to CPF and SRS funds
• Low-cost, passive investment strategies
• Personalized advice and portfolio rebalancing
• Educational tools and resources

Endowus Plan	Management Fee	Minimum Investment
CPF/SRS Investing	0.25% - 0.60%	S$1,000
Cash Investing	0.25% - 0.60%	S$1,000

5. FSMOne

FSMOne is a comprehensive platform that offers access to stocks, bonds, unit trusts, ETFs, and more. The app is well-known for its ease of use and a wide variety of investment products. It is particularly popular among investors who prefer to have everything in one place, from stocks to mutual funds.

Key Features:

• Access to multiple investment products (stocks, ETFs, unit trusts)
• Flat-fee brokerage structure (S$10 per trade for Singapore stocks)
• Detailed analysis and research tools
• Multi-currency accounts, enabling seamless global investments

FSMOne Plan	Brokerage Fee	Product Access
Stocks & ETFs	S$10 per trade	Stocks, ETFs, Bonds
Unit Trusts	No trading fees	Unit Trusts

Choosing the Right Investment App

When selecting an investment app, it's essential to consider your investment goals, risk tolerance, and the types of assets you are interested in. Some apps, like Syfe and StashAway, are excellent for passive investors who prefer a hands-off approach, while others, like Tiger Brokers, cater to active traders who want control over every trade. The fees, minimum investment amounts, and available markets should also play a role in your decision.

Key Considerations for Singaporean Investors

• Regulatory Compliance: All the apps mentioned are regulated by the Monetary Authority of Singapore (MAS), ensuring they meet high standards for transparency and security.
• Investment Strategies: Whether you're looking for passive or active investment management, these apps offer a range of strategies to meet different needs.
• Accessibility: From low minimum investments to multi-currency accounts, these platforms cater to a broad range of investors, making it easier to start investing regardless of your financial standing.

Table: Comparison of Key Features

App Name	Management Fee	Minimum Investment	Best For
Syfe	0.35% - 0.65%	S$500	Beginners, Passive
StashAway	0.2% - 0.8%	S$0	Hands-off Investors
Tiger Brokers	0.03% - 0.08%	S$0	Active Traders
Endowus	0.25% - 0.60%	S$1,000	CPF/SRS Investors
FSMOne	S$10 per trade	S$0	Comprehensive Investing

Final Thoughts

The best investment apps in Singapore offer something for everyone—whether you're a passive investor looking for a robo-advisor like Syfe or StashAway, or an active trader using Tiger Brokers. The key is to match the app to your investment strategy and financial goals. With the right app, building wealth has never been more accessible, even for those new to investing. Be sure to assess each platform's fees, available markets, and ease of use to ensure it fits your needs.

Invest wisely, and the future will thank you.