StashAway

What StashAway does

StashAway, operated by Asia Wealth Platform Pte Ltd and licensed by the Monetary Authority of Singapore (CMS100604), is a Singapore-headquartered digital wealth management platform founded in 2016. The company serves retail, mass-affluent, and accredited investors primarily in Singapore, with additional operations in Hong Kong and the United Arab Emirates, offering a single mobile- and web-based app for portfolio management, cash management, and self-directed investing.

The platform is built around three product pillars: (1) managed investment portfolios including General Investing (powered by the proprietary ERAA framework and by BlackRock), Income Investing (powered by J.P. Morgan Asset Management), Singapore Investing, Shariah Global Portfolios, Flexible Portfolios, Thematic Portfolios, and Responsible Investing (ESG); (2) cash management solutions (Simple, Simple Plus, Simple Fixed) using money market and short-duration bond funds; and (3) ETF Explorer, a self-directed platform across 90+ asset classes. For Accredited Investors, StashAway Reserve layers on Private Markets, Multi-Strategy Hedge Fund, Private Credit, Private Infrastructure, Unicorn Top 20, and a Bitcoin ETF Portfolio. The underlying technology stack comprises the proprietary Economic Regime-based Asset Allocation (ERAA) framework backed by 30,000+ hours of research, the StashAway Risk Index (99% VaR), fractional-share execution, and Singpass-integrated onboarding.

StashAway monetises primarily through tiered annual management fees of 0.2%-0.8% of AUM (charged monthly), $1 USD ETF transaction fees plus 0.09% on SGX-listed ETFs, and embedded 0.15%-0.2% net fees on cash-management products. Distribution is product-led and digital-first via web and mobile apps (iOS, Android, Huawei AppGallery), supported by content marketing, a referral program, and welcome-bonus promotions. The company has raised approximately $73.65M across seven funding rounds from 2016 to 2022, with investors including Eight Roads Ventures, Square Peg Capital, Peak XV Partners, Fidelity International, Burda Principal Investments, and Hamilton Lane.

Name

StashAway

Legal name

Asia Wealth Platform Pte Ltd

Website

https://www.stashaway.sg/

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

StashAway is a Singapore-licensed digital wealth management platform offering managed ETF portfolios, cash management, and private-market alternatives to retail, mass-affluent, and accredited investors across Singapore, Hong Kong, and the UAE.

Ownership category

akta.pro rank

Product category

Digital Wealth Management (Robo-Advisory)

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Robo-advisory wealth management
• Digital investment platform
• Portfolio management services
• ETF investment platform
• Cash management solutions

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Investment Portfolio Management Fees: Annual management fees charged as percentage of assets under management, ranging from 0.2% to 0.8% depending on total investment amount. Fees are charged monthly and calculated proportionally across portfolios.
2. ETF Transaction Fees: $1 USD fee per buy or sell order through ETF Explorer, plus 0.09% operation fee for SGX-listed ETFs. No additional monthly management fees for ETF Explorer.
3. Cash Management Fees: Simple portfolio charges 0.15% p.a., Simple Plus charges 0.2% p.a. These are embedded in the projected rates/yields offered to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

StashAway operates a self-serve digital wealth management platform that constructs and rebalances globally diversified ETF portfolios for individual investors using its proprietary ERAA framework, charges tiered AUM-based management fees, and additionally offers cash management portfolios and self-directed ETF trading. It serves both retail and Accredited Investors through a mobile and web app, with MAS-licensed custody and onboarding via Singpass.

Product overview

StashAway is a digital wealth management platform operated by Asia Wealth Platform Pte Ltd, offering a comprehensive suite of investment and cash management products. The platform operates on a modular architecture with three core pillars: (1) Investment Portfolios including General Investing (powered by StashAway's proprietary ERAA® framework and BlackRock®), Income Investing (powered by J.P. Morgan Asset Management), Singapore Investing, Shariah Global Portfolios, Flexible Portfolios, Thematic Portfolios, and Responsible Investing (ESG); (2) Cash Management Solutions comprising Simple™, Simple Plus™, and Simple Fixed™ offering varying risk-return profiles from ultra-low risk money market to short-duration bond funds; and (3) ETF Explorer for self-directed investing across 90+ asset classes. For Accredited Investors, the platform offers Private Markets including Multi-Strategy Hedge Fund, Unicorn Top 20, Private Credit, Private Infrastructure, and Bitcoin ETF Portfolio through StashAway Reserve. The platform is licensed by MAS (CMS100604) and integrates with Singpass for onboarding.

Differentiator

Problem solved

Functional benefit

Products and services

• General Investing powered by StashAway

Quantifiable outcome

• General Investing portfolios deliver 1.7%-8.8% annualized returns
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core.

• iShares/BlackRockcoreTechnology or IntegrationProvides ETFs from iShares, a BlackRock company, for portfolio construction across General Investing, Flexible Portfolios, and other investment offerings. iShares is one of the world's largest ETF providers.
• VanguardcoreTechnology or IntegrationProvides Vanguard ETFs for diversified portfolio construction, utilized across multiple portfolio types including General Investing and Flexible Portfolios.
• JPMorgan Asset ManagementcoreTechnology or IntegrationPartnership for Income Investing portfolios powered by J.P. Morgan Asset Management, providing fixed income expertise and fund management for income-focused strategies.
• State Street (SPDR)coreTechnology or IntegrationProvides State Street SPDR ETFs for portfolio construction across various investment offerings.
• InvescocoreTechnology or IntegrationProvides Invesco ETFs utilized across General Investing and Thematic Portfolio offerings.
• VanEckcoreTechnology or IntegrationProvides VanEck ETFs including gold and other commodity exposures for Flexible Portfolios.
• Global XcoreTechnology or IntegrationProvides Global X ETFs for thematic and sector exposures in Flexible Portfolios and Thematic Portfolios.
• AmundicoreTechnology or IntegrationProvides Amundi ETFs for Responsible Investing (ESG) portfolios and underlying funds for Simple and Simple Plus cash management products.
• LionGlobalcoreTechnology or IntegrationProvides underlying funds for Simple and Simple Plus cash management products including LionGlobal SGD Enhanced Liquidity Fund and LionGlobal Short Duration Bond Fund.
• Monetary Authority of Singapore (MAS)coreOthersRegulatory licensing and oversight body. StashAway is licensed under CMS100604 as a digital wealth management platform.
• SingpasscoreTechnology or IntegrationSingapore's national digital identity system used for seamless account onboarding and identity verification on the StashAway platform.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Betterment: US pioneer robo-advisor with automated portfolio management, tax-loss harvesting, and cash reserve products — broader incumbent comparable in product mix to StashAway's General Investing + Simple cash products.
• MoneyLion: US-listed digital finance platform combining automated investing, banking, and credit products — provides a benchmark for a vertically integrated consumer wealth/finance super-app model.
• Wealthfront: US-headquartered pioneer robo-advisor offering automated portfolio management, ETF portfolios, and cash management at scale — a global benchmark for the digital wealth model StashAway operates.
• Saxo Markets: Global online trading and wealth platform offering self-directed investing and managed portfolios across multiple geographies — broader incumbent comparable to StashAway on multi-asset, multi-region access.
• OCBC Bank: Major Singapore bank offering OCBC RoboInvest and digital wealth/investment products — domestic incumbent competitor to StashAway with deep deposit-funded trust and bundled distribution.
• DBS Bank: Singapore's dominant bank operating digiPortfolio, a robo-advisory wrapper integrated with its deposit, brokerage, and SRS franchise — overlapping with StashAway on automated investing while leveraging unmatched distribution.

Others

• Interactive Brokers: Global electronic brokerage with deep ETF/instrument access and competitive transaction pricing — sets the floor on self-directed trading economics that constrain StashAway's ETF Explorer pricing power.

Direct peers

• Endowus: Singapore-headquartered digital wealth platform offering robo-advisory for cash management (cash funds), SRS, and CPF investing with institutional fund access — directly comparable mass-affluent digital wealth offering targeting Singapore investors.
• Syfe: Hong Kong/Singapore digital wealth platform providing managed portfolios, cash management, and brokerage-like ETF investing across SE Asia — closely overlapping with StashAway on automated portfolio construction, fee structure, and target customer.
• Kristal.AI: Singapore-based digital wealth manager focused on alternative investments and private markets access for mass affluent and accredited investors — overlapping with StashAway Reserve's private markets/alternatives offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/stashawayapac

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds7 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about StashAway