About
StashAway is a Singapore-based digital investment platform licensed by the Monetary Authority of Singapore (MAS). It combines intelligent portfolio management with accessible, low-fee investing tools suited for beginners and experienced investors alike. The platform offers three core investment pathways: a cash management suite (StashAway Simple) that earns up to 3.7% p.a. with no lock-ins or minimum balances, a range of expert-built globally diversified managed portfolios designed for long-term wealth building, and an ETF Explorer for self-directed investors to build custom portfolios across 90+ asset classes starting from just $1 USD per order. StashAway leverages its proprietary investment methodology (ERAA®) to rebalance portfolios according to economic regime changes, helping investors stay on track regardless of market conditions. Additional offerings include Responsible Investing (ESG), Shariah-compliant portfolios, Income Investing, Thematic Portfolios, and Private Markets access. Investors can fund portfolios using cash or Supplementary Retirement Scheme (SRS) funds, and can set up one-time or recurring deposits. The platform is available as a web app and mobile app (iOS and Android), with onboarding streamlined via Singpass. StashAway is ideal for salaried professionals, new investors, and anyone seeking a smarter, cost-effective alternative to traditional wealth management.
Key Features
- High-Yield Cash Management: StashAway Simple and Simple Plus portfolios let you earn 2.0%–3.7% p.a. on idle cash with no lock-ins and no minimum or maximum balance requirements.
- Expert-Built Managed Portfolios: Globally diversified portfolios constructed and rebalanced using StashAway's proprietary ERAA® methodology, designed to weather market volatility and deliver long-term growth.
- ETF Explorer for DIY Investing: Self-directed investors can browse 90+ asset classes, research ETFs, and build custom portfolios starting from just $1 USD per buy order with no guesswork.
- SRS & Cash Investment Support: Supports funding portfolios via both regular cash and Singapore's Supplementary Retirement Scheme (SRS), enabling tax-advantaged retirement investing.
- Diverse Portfolio Options: Offers Shariah-compliant, ESG/Responsible Investing, Income, Thematic, and Private Markets portfolios to match a wide range of investor values and goals.
Use Cases
- A young professional in Singapore wanting to put idle savings to work in an ultra-low-risk cash management portfolio earning more than a traditional savings account.
- A first-time investor seeking a hands-off, diversified investment portfolio managed by experts without needing deep financial knowledge.
- A self-directed investor using the ETF Explorer to research and build a custom portfolio across global asset classes starting with a small initial investment.
- A retirement planner looking to invest SRS funds in tax-advantaged managed portfolios aligned with long-term financial goals.
- A values-driven investor seeking Shariah-compliant or ESG-responsible portfolio options within a single regulated platform.
Pros
- Low Fees: StashAway charges significantly lower management fees compared to traditional wealth managers, making professional-grade portfolio management accessible to everyday investors.
- No Minimum Balance: Investors can start with any amount — no minimum balance is required to open or maintain a portfolio, lowering the barrier to entry.
- Regulated & Trustworthy: Licensed by the Monetary Authority of Singapore (MAS) and partnering with top global fund managers, StashAway offers institutional-grade security and compliance.
- All-in-One Platform: Combines cash savings, managed investing, and DIY ETF trading in a single app, eliminating the need for multiple financial tools or brokerage accounts.
Cons
- Singapore-Centric: StashAway is primarily designed for Singapore residents, with SRS support and MAS regulation making it less relevant for investors based outside Singapore.
- Management Fees Apply: While lower than traditional advisors, StashAway still charges annual management fees, which may reduce net returns compared to fully self-directed investing.
- Limited Advanced Trading Features: The platform is designed for passive and semi-passive investing; active traders seeking real-time charting, margin trading, or options will find the feature set limited.
Frequently Asked Questions
Is StashAway regulated and safe?
Yes. StashAway is licensed by the Monetary Authority of Singapore (MAS) under CMS100604. Customer assets are held with trustee banks and segregated from StashAway's own assets, providing an additional layer of protection.
What is the minimum investment amount?
There is no minimum investment amount for StashAway's managed portfolios or cash accounts. For ETF Explorer, you can start investing from as little as $1 USD per order.
Can I invest using my SRS funds?
Yes. StashAway supports Supplementary Retirement Scheme (SRS) funds in addition to regular cash, allowing you to invest for retirement in a tax-advantaged manner.
How does StashAway manage my portfolio?
StashAway uses its proprietary Economic Regime-based Asset Allocation (ERAA®) methodology to build and automatically rebalance portfolios based on prevailing economic conditions, helping protect and grow your wealth over time.
What returns can I expect on my cash with StashAway Simple?
StashAway Simple offers projected returns of 2.0%–3.7% p.a. depending on the product tier (Simple, Simple Plus, or Simple Fixed). These are projected yield-to-maturity figures and are not guaranteed.
