AutoWealth Referral Code Singapore: Get $20 Bonus + Fees Review
To Make Good Investing Accessible, Affordable & Approachable
Use the AutoWealth referral code: 197EW0-referral to receive a $20 bonus credit (subject to prevailing terms).
To qualify:
- Enter the referral code during registration
- Fund your account within the eligibility window (typically within 2 weeks of approval)
Table of Contents
About AutoWealth
“Automated investing with transparent fees, so you can focus on what matters.”
AutoWealth is a Singapore-based robo-advisor licensed by the Monetary Authority of Singapore (MAS). It offers automated, globally diversified portfolios for Cash, SRS and CPF investing.
AutoWealth is authorised to provide advisory services under the CPF Investment Scheme (CPFIS) and has launched digital portfolios for CPF members.
The platform focuses on disciplined portfolio construction, transparent pricing and segregated custody.
Why I Chose AutoWealth Among the Robo-Advisors in Singapore
1. Licensed by the Monetary Authority of Singapore
AutoWealth holds a Financial Adviser Licence (FA100064-1) issued by MAS and operates under Singapore regulatory oversight.
2. Supports CPF Investing (CPFIS)
AutoWealth offers digital investment portfolios under the CPF Investment Scheme (CPFIS). This allows eligible CPF members to invest approved CPF savings through a managed portfolio structure.
In January 2026, The Business Times reported that AutoWealth had become Singapore’s second digital adviser for CPFIS. Its four CPF portfolios range from 100% equities to a more conservative allocation of 40% equities and 60% bonds.
CPF investing is subject to CPF Board rules and eligibility requirements.
How much CPF OA should you keep before investing?
AutoWealth’s 12-Month Buffer Rule suggests retaining the higher of:
- $20,000 in your OA — CPF Board requires this amount to be set aside before the remaining OA savings can be invested under CPFIS.
- 12 months of your share of the mortgage payments — for example, use $1,500 if your share of the monthly mortgage is $1,500, even if the total household payment is higher.
Your estimated investable surplus is:
OA balance − the higher of $20,000 or 12 months of your mortgage share
AutoWealth’s example uses a $60,000 OA balance and a $1,500 monthly share of the mortgage. Twelve months of payments is $18,000, so the higher $20,000 buffer applies, leaving an estimated $40,000 investable surplus.
This is AutoWealth’s stress-test guideline rather than an official CPF rule or personalised recommendation. If you need the OA savings for an upcoming home purchase or other near-term commitments, do not invest that amount.
3. Segregated Custody with Saxo Capital Markets
Client assets are held in individual segregated custody accounts with Saxo Capital Markets Singapore under your legal name.
This ensures clear ownership and ring-fences assets in the event of business cessation.
4. Diversified Investment Approach
Portfolios are globally diversified and automatically rebalanced.
As with all investments:
- Portfolio values fluctuate
- Returns are not guaranteed
- Past performance is not indicative of future results
5. Clean and Intuitive User Interface
The dashboard provides:
- Portfolio allocation overview
- Performance tracking
- Sector exposure
- Holdings transparency
SingPass login is supported.
AutoWealth Portfolio Types
Always refer to the official website for the latest fees and eligibility requirements.
Starter (Cash)
Globally diversified portfolios containing more than 8,000 stocks and 600 government bonds.
CPF
Digital portfolios available under the CPF Investment Scheme (CPFIS), allowing eligible CPF savings to be invested through AutoWealth.
SRS
Globally diversified portfolios made up of SRS-approved funds for investors using Supplementary Retirement Scheme (SRS) monies.
AutoWealth Plus+
Equity-focused portfolios investing in market-specific themes such as New Economies and Digital Economies. Charges a performance fee on net profits instead of an annual management fee.
Flexi Cash
Invests in money market funds or treasury bills. Designed for lower volatility and cash management.
Onboarding Process
- Complete online registration
- Verify identity digitally
- Select funding source (Cash, CPF or SRS)
- Fund your account
- Investments are deployed into your selected portfolio
A Saxo custody account is created under your legal name to hold your assets.
Viewing Your Saxo Custody Account
To access your holdings at Saxo Capital Markets, log in via:
Do not use the standard Saxo login page.
Final Thoughts
AutoWealth may suit investors who:
- Prefer globally diversified portfolios
- Want assets held under their own name
- Wish to invest using Cash, CPF or SRS
- Value transparent fee structures
Auntiehuat
Web Administrator
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