Looking to invest your money? StashAway’s new user promotion gives you the perfect opportunity to start. Whether you’re looking to park your extra cash, start your first investment portfolio, or explore ETFs yourself, this promotion is designed to give new users a head start.
Exclusive Sign Up Promo Details
This promo rewards you with 3 months of free investing, on top of their usual welcome rewards when you use my link.
Eligibility:
- New StashAway users
- Must be a legal resident of Singapore
- Must be aged 18 and above
Promo Period: On-going
Sign Up Rewards:
- Simple & Simple Plus (Cash Management)
- Simple: Get +0.5% extra interest per year for 3 months on the first $10,000 SGD you deposit.
Base projected rate: ~1.7% p.a. without promo (assuming rates remain constant)
Promo boost: +0.5% p.a. for 3 months (on up to S$10,000)
Effective rate during promo: 1.7% + 0.5% = 2.2% p.a.
3-month return on $10,000
Annualised rate: 2.2% p.a.
3-month proportion = 2.2% × (3/12) = 0.55%
Estimated earnings
- On S$5,000: $5,000 × 0.0055 ≈ S$27.50
- On S$10,000: $10,000 × 0.0055 ≈ S$55
- Simple Plus: Get +1% extra interest per year for 3 months on the first $10,000 SGD you deposit.
Base yield-to-maturity: 2.7% p.a.
Promo boost: +1% p.a. for 3 months (on up to $10,000)
Effective rate during promo: 2.7% + 1.0% = 3.7% p.a.
3-month return on $10,000
Annualised rate: 3.7% p.a.
3-month proportion = 3.7% × (3/12) = 0.925%
Estimated earnings
- On $5,000: $5,000 × 0.00925 ≈ $46.25
- On $10,000: $10,000 × 0.00925 ≈ $92.50
2. Investment portfolios
- Make your first deposit within 1 month of account approval to earn S&P500 ETF rewards based on how much you invest:TierNet Deposit (SGD)ETF Reward (SGD)*1$1,000—$3,499$102$3,500—$4,999$303$5,000—$9,999$404$10,000—$19,999$805$20,000—$49,999$1606$50,000+$300*ETF rewards are credited as fractional units of an S&P 500 ETF selected by StashAway (not cash). The ETF is held within your StashAway portfolio, and the exact fund used is determined by StashAway in accordance with their T&Cs.
- Minimum deposit of $1,000 SGD required to qualify.
- Maximum reward is $300 SGD worth of S&P500 ETF.
- Make your first deposit within 1 month of account approval to earn S&P500 ETF rewards based on how much you invest:
- ETF Explorer
- Enjoy free buy orders for the first month after you activate your account.
- No limits — you can try out ETF investing without fees.
Important Conditions:
- Bonus returns apply automatically when you set up your portfolio. It only applies only to deposits made during your first 3 months and is added on top of the normal rate.
- Clients can enjoy all four rewards, provided that they fulfil the criteria needed to receive them.
- Qualifying funds must remain invested in the portfolio until the reward distribution date for the client to remain eligible for the reward. If the portfolio is closed or funds are withdrawn before the reward is credited, the reward will be forfeited.
- All rates below are not guaranteed and actual returns may vary as markets move
Which StashAway Account Should I Start With?
StashAway is a Singapore-based digital wealth manager or robo-advisor that offers managed portfolios, self-directed investing tools, and cash management solutions for users with extra cash. For first time users, StashAway’s cash management is a good place to start.
Cash management accounts, like Simple and Simple Plus, invest your idle cash into low-risk, short-term instruments so you can earn a higher return than a typical bank account, while still being able to withdraw within 1-3 days. While Simple Fixed locks in a specific, guaranteed rate of return for a 1-month tenor. Take note that the promo is only applicable to Simple and Simple Plus.
StashAway Cash Management (Simple and Simple Plus)
For beginners, here are the cash management accounts you can open on StashAway designed for managing idle cash safely and efficiently:
Simple Fixed | Simple | Simple Plus | |
Returns | 1.35% p.a. fixed | 1.7% p.a. projected# | 2.7% p.a. yield to maturity* |
Receive Returns | End of term | Daily | Daily |
Term | 1 Month | None | None (12 months recommended) |
Funding Currency | SGD | SGD | SGD |
Management Fee^ | Fixed rate is net of all fees and rebates | 0.15% p.a. (with 100% rebate) | 0.2% p.a. |
Minimum Portfolio Funding | None | None | None |
Underlying Funds | Money Market Fund(s) approved by MAS | 30% LionGlobal SGD Money Market Fund 70% LionGlobal SGD Enhanced Liquidity Fund | 20% LionGlobal SGD Enhanced Liquidity Fund 20% Amova Short Term Bond Fund (formerly Nikko AM) 60% LionGlobal Short Duration Bond Fund |
# Projected return is a broader forward-looking estimate of total gains and not guaranteed. Project return changes based on market conditions like gain and loss over a specific holding period * Yield to maturity is the total annualized return anticipated on a bond if held until it matures, assuming all coupons are reinvested at the same rate. YTM is fixed at purchase and applied upon bond maturity. ^projected returns stated in the website already factors in the management fee | |||
Who Is This For?
StashAway is suitable for users who:
- Wants to start investing but may not have the confidence yet.
- Wants to start trying something with higher returns than a savings account.
- Willing to try a platform that offers both hands-off investing (managed portfolios) and hands-on option (ETF explorer).
- Prefer a digital, app-based experience with minimal operational work.
Who is This Not For?
StashAway may not be suitable for users who:
- Want capital-guaranteed or SDIC-insured products only.
- Prefer stock picking, or complex trading tools
- Are highly fee-sensitive and want to build and manage everything manually via a traditional brokerage.
Conclusion
Starting your investing journey doesn’t have to be complicated, especially with a tool like StashAway that automates your portfolio, aligns it with your goals, and helps your money grow intelligently. With this exclusive new user promotion, you not only get 3 months of free investing but also bonus returns on your portfolio, making it easier to start strong.
If you’ve been waiting for the right moment to invest, now is the perfect time. Sign up through this link and take your first step toward growing your wealth.
Appendix:
StashAway offers actively managed portfolios based on their own methodology called ERAA®-Driven Economic Regime-based Asset Allocation (ERAA) that adjusts a portfolio based on the current and expected state of the economy. Instead of holding a fixed mix of assets, ERAA changes allocations depending on which “economic regime” is dominant, aiming to optimize returns and reduce risk. In short, ERAA is about making your investments “economic cycle-aware” so your portfolio can respond proactively to changes in the macro environment.
For example, suppose the economy is in a high-growth, low-inflation phase:
- ERAA might allocate 70% to stocks, 20% to bonds, 10% to alternatives.
If indicators suggest a recession:
- ERAA may shift to 40% stocks, 50% bonds, 10% cash or gold, protecting the portfolio from potential losses.
For individuals looking to build wealth with expert-managed portfolios, here are investment portfolios you can open in StashAway:
Managed Portfolios
They offer two ways to invest in ETFs:
- Flexible Portfolios (build-your-own portfolio) – you allocate across multiple ETFs in one portfolio
- ETF Explorer (buy individual ETFs) – you buy ETFs one by one, like a brokerage-lite experience
Exchange-Traded Fund (ETF) is an investment fund that holds a collection of assets like stocks, bonds, or commodities, and trades on a stock exchange throughout the day, just like an individual stock
For users who want more control over their investments, here are ETF-based portfolios you can open in StashAway:
Self-Directed Investing
Category | Product | Investment Approach | Underlying Funds / Assets | Who Makes Allocation Decisions | Rebalancing | Risk Selection | Level of Control | Best For |
Self-Directed Investing | Flexible Portfolio | Custom ETF portfolio built by user | ETFs selected by user (equity, bond, commodity ETFs) | User | Manual (user-initiated) | Fully user-defined | Medium–High | Experienced / DIY investors |
Self-Directed Investing | ETF Explorer | Direct purchase of individual ETFs | Individual ETFs chosen by user | User | None (user trades manually) | User-controlled | High | Investors who want stock-broker-like control |
Stash Away offers cash management solutions for idle cash. These are designed for short-term, flexible cash parking, with no lock-in period and withdrawals typically processed within 1-3 business days.
- StashAway Simple™
- StashAway Simple™ Plus
On the other hand, StashAway Simple Fixed is a short-term, fixed-tenure cash product designed for investors who can commit funds for a set period in exchange for a known fixed return.
Accredited Investor (AI) investments are specialized investment products designed for investors who meet regulatory criteria for higher financial sophistication. They typically involve alternative or private market strategies with higher risk and lower liquidity. These products are intended for experienced or high-net-worth investors, not the general public.
Category | Product | Investment Approach | Underlying Funds / Assets | Eligibility | Risk Profile | Liquidity | Best For |
AI Investment | StashAway Reserve | Alternative / private market investing | Private credit, alternatives, structured strategies* | Accredited Investors only | Medium–High | Lower | Sophisticated investors |
Disclaimer
Not financial advice. Any opinion relating to the StashAway platform is my own. All information obtained from third-party sources are obtained from sources believed to be reliable at the time of writing. Rates of returns are accurate at the time of writing. This is not a sponsored post by StashAway Pte. Ltd. This article has not been reviewed by the Monetary Authority of Singapore.
