In Singapore’s fast-paced financial landscape, investing is no longer a privilege reserved for the wealthy. Thanks to digital innovation and increasing financial literacy, even individuals with modest means can begin their investment journey. The key is consistency—and one of the most effective ways to build long-term wealth is through fixed monthly investments. Whether you’re a young professional just starting out or a seasoned saver seeking diversification, this guide will explore the best investment platforms Singaporeans can use to invest a fixed amount each month.
Why Invest a Fixed Monthly Sum?
This approach is known as dollar-cost averaging (DCA). It involves investing a consistent amount of money at regular intervals, regardless of market conditions. Over time, DCA helps reduce the impact of market volatility. You buy more units when prices are low and fewer when prices are high, which smoothens your cost base.
Benefits include:
- Affordability: Suitable for beginners or those with limited capital.
- Discipline: Encourages consistent saving and investing habits.
- Risk Management: Minimises timing risks associated with lump-sum investing.
Key Criteria When Choosing a Platform
Before we delve into specific platforms, here are some key factors to consider:
- Minimum investment requirement
- Fees and charges (management fees, transaction fees, currency conversion, etc.)
- Range of products offered
- Regulatory oversight (e.g., MAS licensing)
- User experience and support
- Robo-Advisors
Robo-advisors have become a popular entry point for fixed monthly investing. They offer algorithm-driven portfolio management based on your risk profile and financial goals.
✅ Endowus
- Minimum Investment: S$100/month
- Fees: 0.05%–0.60% p.a. depending on investment size
- Key Features: Invest CPF, SRS, and cash; access to institutional-grade funds; MAS-licensed
- Best For: Investors looking for curated portfolios and CPF/SRS integration
Endowus is particularly favoured for its transparency and cost-efficiency. It gives retail investors access to funds usually reserved for high-net-worth individuals.
✅ StashAway
- Minimum Investment: No minimum after initial deposit of S$10
- Fees: 0.2%–0.8% p.a.
- Key Features: Goal-based investing; adaptive asset allocation; MAS-licensed
- Best For: Hands-off investors who prefer dynamic asset rebalancing
StashAway allows investors to set multiple goals (e.g. retirement, home, education), each with its own tailored portfolio. The flexibility and low entry barrier are ideal for young investors.
✅ Syfe
- Minimum Investment: S$100/month
- Fees: 0.35%–0.65% p.a.
- Key Features: Thematic portfolios (e.g., REITs, ESG, tech); cash management; MAS-regulated
- Best For: Investors seeking thematic exposure or income-generating portfolios
Syfe also offers a REIT+ portfolio that mimics the SGX iEdge S-REIT Leaders Index—attractive for those looking for local income streams.
- Regular Savings Plans (RSPs)
RSPs allow individuals to invest in ETFs or unit trusts via recurring monthly payments.
✅ POSB Invest-Saver
- Minimum Investment: S$100/month
- Fees: 0.5% for ETFs; 0.82% for unit trusts
- Products: STI ETF, ABF Singapore Bond Index Fund, Nikko AM Funds
- Best For: Conservative investors or those starting out with local ETFs
Being integrated into DBS/POSB bank accounts makes this RSP highly accessible to most Singaporeans. It also offers the ability to invest using CPF/SRS.
✅ FSMOne (by iFAST)
- Minimum Investment: S$50/month
- Fees: 0.08%–0.5% for ETFs, platform fee of 0.05% p.a.
- Products: Over 100 unit trusts and ETFs globally
- Best For: Investors wanting flexibility and broad product access
FSMOne offers both auto-invest plans and curated model portfolios. With low fees and extensive global options, it’s a good platform for more hands-on investors.
✅ OCBC Blue Chip Investment Plan (BCIP)
- Minimum Investment: S$100/month
- Fees: 0.3% per transaction (min S$5)
- Products: Blue-chip stocks listed on the SGX (e.g. DBS, Singtel, Keppel Corp)
- Best For: Investors keen on individual stocks without lump-sum outlay
The BCIP is ideal for those who want exposure to reputable Singapore-listed stocks and prefer dividend income.
- Micro-Investment Platforms
These are newer fintech platforms aimed at “spare change” investing, great for dipping your toes into investing without making big sacrifices.
✅ Autowealth
- Minimum Investment: S$100/month (S$3,000 initial deposit)
- Fees: 0.5% annual fee + S$18/year platform fee
- Products: Globally diversified ETFs
- Best For: Investors wanting human support alongside robo-advisory
Autowealth stands out for its hybrid model, providing a dedicated human adviser for those who want more guidance with their digital portfolio.
✅ GIGANTIQ (by Etiqa Insurance)
- Minimum Investment: From S$50
- Returns: Capital guaranteed + up to 1.8% p.a. with booster
- Best For: Ultra-low-risk investors preferring savings-linked investments
While not a traditional investment platform, GIGANTIQ blends insurance with investing, offering small returns in exchange for capital safety.
- Investment-Linked Insurance Plans (ILPs)
While traditionally not ideal due to high fees and complex structures, some modern ILPs offer monthly contribution models with greater transparency.
✅ NTUC Income Gro Capital Ease
- Minimum Investment: From S$100/month
- Structure: Endowment with a guaranteed maturity value
- Best For: Risk-averse investors seeking predictable outcomes
Be mindful of lock-in periods and policy surrender penalties when considering ILPs.
- Brokerage Platforms with Recurring Investment Features
If you prefer DIY investing but still want to automate your monthly investments, some brokerages offer recurring investment options for ETFs and stocks.
✅ Saxo Markets
- Minimum Investment: From S$100/month
- Fees: Low commissions depending on market
- Best For: Experienced investors seeking global market access
Saxo provides a global universe of ETFs, stocks, and bonds. Ideal for those ready to make informed investment decisions independently.
✅ Moomoo / Tiger Brokers
- Recurring Plans: Available with selected ETFs and stocks
- Best For: Active investors seeking low-cost trades and promotional perks
These platforms appeal to cost-conscious millennials and Gen Z investors with a high-risk appetite and a penchant for global markets.
What Can You Invest In Monthly?
Depending on your platform and risk profile, you can build a diversified portfolio that includes:
- Equities (SGX-listed stocks, global stocks, ETFs)
- Bonds (Singapore Savings Bonds, ABF ETF, bond funds)
- REITs (through ETFs or direct REITs)
- Unit Trusts
- Thematic investments (e.g. ESG, AI, tech, commodities)
- Cash Management Funds (for low-risk returns)
Final Thoughts: Tailoring Your Monthly Investment Strategy
There is no one-size-fits-all investment platform. The best option for you will depend on:
- Your financial goals (retirement, home, education, travel)
- Your risk appetite (conservative, balanced, aggressive)
- Your preferences (hands-on vs automated)
- Your capital availability (S$50 vs S$500 per month)
The beauty of investing a fixed sum monthly is that it builds a habit. Over time, your small, consistent contributions can grow significantly thanks to compounding returns. Whether you’re investing S$50 or S$500 a month, the key is to start, stay committed, and periodically review your strategy.
As with any financial decision, it is wise to consult a licensed adviser if you’re unsure where to begin. But one thing is certain—Singapore’s investment landscape is richer than ever, and there is truly a platform for everyone to take the first step toward financial freedom.