Best Regular Savings Plans (RSP) in Singapore [2026]

What happened?

Regular Savings Plans (RSPs) in Singapore offer a simple way to automate dollar-cost averaging into investments over time.

Within Beansprout's Four Pots of Wealth framework, we see regular investing into broad equity index funds with global or Singapore exposure as one way to steadily build the Growth Pot for long-term compounding.

By investing a fixed amount regularly, an RSP can reduce the need to decide when to enter the market each month, although it does not remove investment risk.

There are also more RSP choices today, with platforms offering access to Singapore and US-listed ETFs, London-listed UCITS ETFs and unit trusts, while some start from S$50 or just a few US dollars.

However, there is no single RSP that will be best for everyone, and the platform with the lowest headline fee may not necessarily be the one we would choose. 

We think the more useful approach is to decide what you want to invest in first, then compare the RSPs that provide that exposure based on fees, minimum investment and flexibility. 

In this guide, we compare Regular Savings Plans in Singapore based on what you can invest in, minimum investment, fees and flexibility, and which ones stand out for different investment needs. 

If you happen to know of a platform that’s offering a lower fee or a special promotion, share it in the comments. I’ll update this list so the Beansprout community can benefit too. 

Summary of best Regular Savings Plans in Singapore 

Here is where we would start depending on what we want to invest in regularly. 

We would not choose an RSP based on the lowest headline fee alone, particularly where the fee advantage comes from a temporary promotion.

Market access, standard fees, minimum investment, funding options, investment frequency and ease of automation can all affect which platform works better for how we want to invest.

Note: Currency conversion costs are not included in this comparison, as platforms may use different conversion methods, rates and funding mechanics. Investors should check the applicable costs separately. 

Compare Regular Savings Plans in Singapore

Here is a more detailed overview of the RSPs and recurring investment features we compared. 

The RSPs above are not directly interchangeable because they give access to different investments.

For example, if we want to invest regularly in a London-listed UCITS ETF, we would first narrow the comparison to platforms that support eligible LSE-listed ETFs. If we want to invest in Singapore stocks instead, a different group of RSPs would be relevant.

Once we know what we want to invest in, we would compare the platforms based on market access, total platform costs, minimum investment, investment frequency and how easily the RSP can be funded and automated.

A more frequent investment schedule does not necessarily lead to better returns. What matters more to us is whether the RSP makes it easier to follow our chosen investment approach consistently.

What can I invest in with a Regular Savings Plan?

Depending on the platform, a Regular Savings Plan can be used to invest regularly in stocks, ETFs and unit trusts across different markets.

Not every RSP gives you access to the same investments, so the platforms worth comparing depend largely on what you want to buy. 

Once you know what you want to invest in, you can narrow down the RSPs that give you access to it and compare their minimum investment, fees and flexibility.

For example, someone who wants a Singapore STI ETF would compare a different group of RSPs from someone looking for a London-listed UCITS ETF. 

If you are still deciding what type of investment to use, you can read our ETF investing guide, unit trust guide, mutual fund guide and beginner's guide to investing in Singapore.

Which Regular Savings Plan has the lowest fees for Singapore stocks and ETFs?

For eligible Singapore-listed ETFs, FSM Global currently stands out on headline platform cost, with no platform or custody fee and a 0% ETF RSP buy processing fee.

For individual Singapore stocks, uSMART has one of the lowest standard broker charges among the recurring plans compared, while POEMS offers more flexibility through its Recurring Plan and Share Builders Plan.

uSMART's standard Singapore-stock pricing is 0.02% commission plus a 0.03% platform fee, with no minimum for either charge. Its current Zero-cost RSP promotion waives commission, platform and custody fees for eligible Singapore and US RSP trades. As this is promotional pricing, we would check the latest terms before investing.

POEMS Cash Plus charges 0.08% with no minimum commission for Singapore online trades at the Starter tier. Its Share Builders Plan instead charges 0.3% p.a. of total portfolio value, subject to a S$1 monthly minimum and fee caps.

Syfe charges 0.04% to 0.06% of trade value depending on pricing tier for Singapore stocks and ETFs, subject to a minimum S$1.98 per trade, with no platform or custody fee. 

OCBC BCIP charges 0.88% with no minimum fee for eligible customers below age 30 investing up to S$500 per counter per month, while other customers pay 0.3% or S$5 per counter, whichever is higher.

DBS Invest-Saver charges 1.00% for the STI ETF and 0.50% for the ABF Singapore Bond Index Fund. DBS is also running a separate promotion until 30 September 2026 that rebates fees on selected recurring fund top-ups, so we would check whether a promotion applies before comparing the final cost.

If we wanted to invest regularly in an STI ETF, we would also compare which STI ETF is available on each platform and how the standard fee structure works once any promotion ends. 

Learn more about how to choose the best STI ETF for your portfolio here.

Which Regular Savings Plan has the lowest fees for US stocks and ETFs?

For US stocks and ETFs, including eligible S&P 500 ETFs, Webull and Syfe currently stand out on headline recurring buy costs, with zero commission and no platform fee.

Syfe has the lower starting amount at US$1 for eligible fractional securities, while Webull Fixed RSP starts from US$5 using buying power.

POEMS Cash Plus also charges US$0 commission and no platform fee for eligible US online trades, while uSMART currently charges no commission, platform or custody fee for SMART Plan orders under its Zero-cost RSP promotion.

FSM Global also charges a 0% ETF RSP buy processing fee and no platform or custody fee, although its RSP applies to eligible ETFs rather than individual US stocks.

Moomoo and Tiger use percentage-based platform fees for fractional RSP orders below one share: 0.99% capped at US$0.99 for Moomoo and 1% capped at US$1 for Tiger. IBKR applies standard commissions, with fractional-share orders charged the greater of 1% of trade value or US$0.01. 

Since Webull and Syfe have similar headline charges once we invest at least US$5, we would compare their investment range, minimum amount, funding method, investment frequency rather than choose between them based on headline fees alone.

Beyond these platform charges, currency conversion costs may also affect the total cost of investing in US securities. We have not compared these costs here, so investors should check the applicable rates and fees for each platform separately 

Which Regular Savings Plan has the lowest fees for London-listed and UCITS ETFs?

For Singapore investors who want to invest regularly in London-listed UCITS ETFs, the main RSPs we would compare are FSM Global, Saxo AutoInvest, Syfe Scheduled UCITS and IBKR Recurring Investments.

For London-listed UCITS ETFs, there is no single cheapest platform across every use case. 

FSM Global offers a 0% RSP buy processing fee on ETFs that are eligible for its ETF RSP, including selected LSE-listed UCITS ETFs. It does not charge a platform or custody fee for stocks and ETFs, and fractional investing is available for eligible LSE-listed ETFs. FSM Global lists VWRA and CSPX among the ETFs available through its RSP. 

Saxo AutoInvest currently includes London-listed ETFs such as CSPX, VWRA and VUAA among its eligible ETF list, with no commission on AutoInvest purchases. Custody is 0% when Securities Lending is enabled; otherwise it is 0.12% p.a. for Classic and Platinum accounts or 0.06% p.a. for VIP accounts.

Syfe's Scheduled UCITS currently offers zero-commission scheduled buy orders on six ETFs: EIMI, XDEW, CSPX, VWRA, XDWL and IHYU. The US$50 minimum applies to scheduled UCITS orders, which are generally executed weekly on Tuesdays. The zero-commission Scheduled UCITS offer currently runs until 31 December 2026.

IBKR Recurring Investments supports eligible European securities on a daily, weekly or monthly schedule. For USD-denominated UK fractional-share orders, the published commission starts at 0.05% of trade value with a US$1.70 minimum per order. For a US$100 recurring investment, a US$1.70 minimum commission would equal 1.7% of the contribution, so the minimum charge matters for smaller IBKR orders. 

We would therefore compare ETF availability, custody conditions, minimum investment and investment frequency rather than name a single cheapest UCITS RSP. 

Beyond these platform charges, currency conversion costs may also affect the total cost of investing in foreign-currency ETFs. We have not compared these costs here, so investors should check the applicable rates and fees for each platform separately. 

Which Regular Savings Plan has the lowest fees for unit trusts?

For unit trusts, POEMS currently has the lowest headline platform-level fees among the RSPs compared, with no sales charge or platform fee for online unit trusts.

However, platform fees are only one part of the cost, as the exact fund share class and underlying fund expenses can differ between platforms.

POEMS currently charges 0% sales charge, 0 switching fee and 0 platform fee for online unit trusts. Its Unit Trust RSP offers more than 500 funds.

Endowus Fund Smart charges 0.30% p.a. for a single mid-to-long-term fund goal, regardless of whether it is funded using cash, CPF or SRS. It generally requires S$1,000 initially and S$100 for subsequent transactions.

FSM Global charges 0% sales charge for unit trusts, but a platform fee of up to 0.0875% per quarter applies to most non-fixed-income Cash and SRS holdings; CPF investments do not incur the FSM Global platform fee.

The Amundi Index MSCI World Fund is one example where both POEMS and Endowus can be compared. Endowus, for example, may provide access to institutional share classes or fund-level rebates on certain funds, while charging its Fund Smart platform fee.

We would still compare the exact fund share class and underlying fund expenses before deciding which platform is cheaper overall. 

Can I use SRS or CPF for a Regular Savings Plan? 

Using SRS or CPF can narrow the range of RSPs available compared with investing using cash.

Some platforms support SRS for eligible recurring investments, while CPF is generally available only for selected funds or investments.

Most of the other brokerage RSPs in our comparison, including Webull, Moomoo, Saxo AutoInvest, IBKR Recurring Investments, uSMART SMART Plan and Syfe Brokerage Auto-Invest, are currently funded using cash or linked bank or brokerage balances rather than CPF or SRS.

Tiger Brokers supports CPF and SRS trading separately for eligible SGX-listed securities through its Cash Boost Account, but these funds cannot currently be used for its Auto-Invest RSP.

If you plan to invest your SRS funds or use the CPF Investment Scheme, we would check both whether the platform supports the funding source and whether the specific investment is eligible. 

We would also compare any additional CPF or SRS processing charges, as these can affect the overall cost.

Which Regular Savings Plan has the lowest minimum investment?

The amount required to start varies significantly. 

Syfe allows fractional purchases of eligible US securities from US$1, while its Scheduled UCITS feature has a US$50 minimum order. SGX Auto-Invest uses standard board lots rather than fractional shares.

Endowus generally requires a S$1,000 initial investment on the platform, after which subsequent investments can start from S$100.

A lower minimum can make it easier to start, but we would not choose an RSP solely because it has the lowest entry amount.

For smaller recurring investments, the fee structure can become even more important.

What is a Regular Savings Plan (RSP)?

A Regular Savings Plan allows you to automatically invest a predetermined amount at regular intervals.

For example, you could set aside S$500 every month to invest in an ETF.

Instead of logging into your brokerage account and placing a trade every month, the RSP carries out the investment according to your chosen schedule.

Most conventional RSPs use a dollar-cost averaging (DCA) approach, where the same amount is invested regularly regardless of whether markets have risen or fallen.

When prices are lower, the same amount buys more units. When prices are higher, it buys fewer.

However, this does not mean that DCA will always produce a lower average purchase price or higher return.

The main benefit, in our view, is behavioural.

When markets are rising, investors may hesitate because they worry prices are too high. When markets are falling, they may hesitate because they fear prices could fall further.

Investing a fixed amount regularly takes some of that emotion out of the decision and reduces the need to make a market-timing call every month.

This can be particularly useful when building the Growth Pot for long-term compounding.

However, regular investing does not eliminate investment risk. You still need to be comfortable with the asset you are buying and how much exposure it adds to your overall portfolio.

Read our guide to dollar-cost averaging for a deeper look at how DCA works, including its benefits and limitations.

What we would consider when choosing an RSP

While the comparisons above focus largely on fees and minimum investment amounts, cost is not the only factor we would look at when choosing a Regular Savings Plan.

We would consider the following factors:

• Range of investments available: We would first check whether the RSP gives us access to the stocks, ETFs, unit trusts and markets we want to invest in. Some platforms focus on US securities, while others also support Singapore-listed or London-listed investments.
• Overall fees: We would compare not just the recurring investment fee, but also platform fees, minimum fees, FX conversion costs, fund expenses and eventual selling charges. We would also distinguish standard pricing from temporary promotions so that a short-term fee waiver does not determine the long-term platform choice. These can make a difference, especially when investing smaller amounts regularly.
• Minimum investment amount: We would check whether the minimum recurring investment fits the amount we plan to invest. Fractional investing can also make it easier to invest smaller amounts into higher-priced stocks or ETFs.
• Investment frequency and flexibility: We would consider how often the RSP allows us to invest, and how easily we can change the investment amount, pause the plan or stop it altogether. Some RSPs allow daily or weekly investments, while others invest only monthly.
• Support for CPF and SRS investing: If we plan to use CPF or SRS funds, we would check whether the RSP supports the funding source and whether the specific investment is eligible. Additional CPF or SRS processing charges may also apply.
• Ease of funding and automation: We would look at how the recurring investment is funded, such as through a linked bank account, eGIRO or cash balance, and whether the process can run automatically without requiring manual transfers each time.
• Ease of use: We would consider how straightforward it is to set up the RSP, choose an investment, adjust the recurring amount and monitor the portfolio over time.

Ultimately, the RSP with the lowest headline fee may not necessarily be the one that works best for us.

We would weigh the costs against the investments available, minimum amount, funding options and flexibility that are most relevant to how we plan to invest.

What would Beansprout do?

There is no single RSP that will be best for everyone.

We would first decide what we want to invest in, then compare the platforms that give us access to that investment based on standard fees, minimum investment, market access, funding options, investment frequency and ease of automation. 

We would not choose an RSP based on the lowest headline fee alone, particularly where the fee advantage comes from a temporary promotion. 

For our Growth Pot, we would generally use regular investing to build exposure to broad equity index funds with global or Singapore exposure, rather than treating the RSP itself as the investment strategy. 

For a broad ETF-focused RSP across multiple markets, FSM Global stands out for its range of more than 250 eligible ETFs across SGX, Hong Kong, the US and London, S$50 starting amount and absence of platform and custody fees. Its ETF RSP buy processing fee is currently waived, which we would treat as an additional current benefit rather than the main reason for choosing the platform. 

For London-listed UCITS ETFs, FSM Global and Saxo AutoInvest are worth comparing, while Syfe Scheduled UCITS can be attractive for its selected supported ETFs. FSM Global offers a 0% RSP buy processing fee with no platform or custody fee for eligible ETFs, while Saxo charges zero AutoInvest buy commission but custody is 0% only with Securities Lending enabled. IBKR may also be worth considering despite its minimum trading commission. 

For small recurring investments into US stocks and ETFs, Webull and Syfe stand out for their low minimum investment amounts and zero headline recurring buy charges. We would still compare currency conversion costs, funding method and flexibility rather than choose between them based on headline fees alone. 

For overseas stocks and ETFs denominated in foreign currencies, currency conversion costs may also affect the total cost. These are not included in our comparison, so investors should check the applicable costs separately. 

For Singapore-listed ETFs, FSM Global also stands out for its access to eligible SGX-listed ETFs, S$50 starting amount and absence of platform and custody fees. Its ETF RSP buy processing fee is currently waived. For individual Singapore stocks, uSMART currently has one of the lowest standard broker charges among the recurring plans compared, while POEMS offers greater flexibility in investment frequency.

For unit trusts, POEMS has the lowest headline platform level fees among the RSPs compared. Investors should also compare the exact fund share class and underlying fund expenses.

We would not switch platforms simply to save a small amount if the RSP we already use provides the investments, market access and convenience we need. 

Ultimately, we see the RSP as an execution tool that should make a sound long-term investment approach easier to follow consistently.

The aim is to make a sound long-term investment approach easier to follow consistently, rather than letting the convenience of automation determine what goes into our portfolio.

To understand the strategy behind regular investing, read our guide to dollar-cost averaging, or compare the best online brokerage accounts in Singapore and best unit trust platforms in Singapore if you are still deciding which platform to use.

If you are new to investing, learn how to start investing in Singapore and grow your money over time. 

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