Investing May 15, 2026 0 Comments

Unlock the Secret to Growing Your SRS with Stashaway’s ETF Explorer—No Recurring Fees, Just Pure Profit Potential!

Ever noticed how the simplest ideas often spark the biggest breakthroughs? My reader Lincoln just dropped a gem that’s too good not to share—after his sharp find on the MSCI World Hedge to SGD, he’s back at it with something that might just flip the script on how many of us approach ETF investing. Enter StashAway’s ETF Explorer: a slick, no-nonsense platform designed for investors who hate bleeding money on recurring fees. Picture this—a tool that lets you invest your SRS funds, slashes those pesky fees to a flat $1 USD per transaction, and keeps dividend reinvestment completely free. Sound like a dream? Well, it’s real, and it’s making waves. No monthly management charges, no hidden costs, just straightforward investing freedom. Now, what about those ETFs? Whether you’re eyeing US giants like QQQ, Hong Kong markets, or Singapore’s local picks, plus Shariah-compliant or covered call options, this Explorer’s got you covered. Oh, and here’s the kicker: your tax considerations will hinge on where the ETF is incorporated, not just where it trades—tricky but crucial knowledge. So, if you’re fed up with sneaky fees nibbling your gains, maybe it’s time you explore the Explorer. Ready to rethink your investment game? LEARN MORE

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My reader Lincoln delivers again after the MSCI World Hedge to SGD find. I got to thank him for bring it to my attention.

Stashaway has this ETF Explorer.

“ETF Explorer is a simple and cost-effective way to invest in ETFs across asset classes and themes.”

So basically you can invest in ETF with this.

Where this is of concern for someone like Lincoln is:

You can invest your SRS money.
There is no ongoing fee! Stashaway charge a fee of $1 USD (excl. GST) each time you invest in or withdraw from an ETF, including transfers between StashAway portfolios.
- For SGX-listed ETFs only, a 0.09% operation fee of the transacted amount applies, and the $1 USD order fee is converted to SGD at the previous day’s closing rate.
- There are no additional monthly management or account fees, and dividends will be reinvested free of charge. If you’re eligible for a transaction fee waiver, the $1 USD fee is automatically deducted from your total order fee.

This ETF Explorer would be suitable for the folks who are allergic to recurring fee.

See put until big big no recurring fees.

So what are the ETFs that you can invest in?

I got my LLM to make a list so I can embed it here (hope it shows up properly):

This is a whole big list and what you will realize is that you can invest in ETFs that is traded in different places:

US listed
Hong Kong listed
Singapore listed.

You have your QQQ or you want Dow Jones also got. You want a UCITS ISAC also got. You want Shariah Compliant one also got. You want covered call one also got.

So there are a few options.

Just remember that all these withholding taxes and estate taxes is based on where the ETFs are incorporated not where it is listed.

If you would like to know Stashaway custodized your securities at Saxo.

Here are your other Higher Return, Safe and Short-Term Savings & Investment Options for Singaporeans in 2026

You may be wondering whether other savings & investment options give you higher returns but are still relatively safe and liquid enough.

Here are different other categories of securities to consider:

<td data-cell-id="E3" data-x="4" data-y="3" data-db-index="3" class="fsize-16" data-cell-type="text" data-original-value="Max $200k per person. When in demand, it can be challenging to get an allocation. A good SSB Example.” data-order=”Max $200k per person. When in demand, it can be challenging to get an allocation. A good SSB Example.”>Max $200k per person. When in demand, it can be challenging to get an allocation. A good SSB Example.

<td data-cell-id="E4" data-x="4" data-y="4" data-db-index="4" class="fsize-16" data-cell-type="text" data-original-value="Suitable if you have a lot of money to deploy. How to buy T-bills guide.” data-order=”Suitable if you have a lot of money to deploy. How to buy T-bills guide.”>Suitable if you have a lot of money to deploy. How to buy T-bills guide.

<td data-cell-id="E5" data-x="4" data-y="5" data-db-index="5" class="fsize-16" data-cell-type="text" data-original-value="Suitable if you have a lot of money to deploy. How to buy T-bills guide.” data-order=”Suitable if you have a lot of money to deploy. How to buy T-bills guide.”>Suitable if you have a lot of money to deploy. How to buy T-bills guide.

<td data-cell-id="E6" data-x="4" data-y="6" data-db-index="6" class="fsize-16" data-cell-type="text" data-original-value="Make sure they are capital guaranteed. Usually, there is a maximum amount you can buy. A good example Gro Capital Ease” data-order=”Make sure they are capital guaranteed. Usually, there is a maximum amount you can buy. A good example Gro Capital Ease“>Make sure they are capital guaranteed. Usually, there is a maximum amount you can buy. A good example Gro Capital Ease

Security Type	Range of Returns	Lock-in	Minimum	Remarks
Fixed & Time Deposits on Promotional Rates	4%	12M -24M	$20,000″ data-order=”> $20,000″>> $20,000
Singapore Savings Bonds (SSB)	2.9% – 3.4%	1M	$1,000″ data-order=”> $1,000″>> $1,000
SGS 6-month Treasury Bills	2.5% – 4.19%	6M	$1,000″ data-order=”> $1,000″>> $1,000
SGS 1-Year Bond	3.72%	12M	$1,000″ data-order=”> $1,000″>> $1,000
Short-term Insurance Endowment	1.8-4.3%	2Y – 3Y	$10,000″ data-order=”> $10,000″>> $10,000
Money-Market Funds	4.2%	1W	$100″ data-order=”> $100″>> $100	Suitable if you have a lot of money to deploy. A fund that invests in fixed deposits will actively help you capture the highest prevailing interest rates. Do read up the factsheet or prospectus to ensure the fund only invests in fixed deposits & equivalents.

This table is updated as of 17th November 2022.

There are other securities or products that may fail to meet the criteria to give back your principal, high liquidity and good returns. Structured deposits contain derivatives that increase the degree of risk. Many cash management portfolios of Robo-advisers and banks contain short-duration bond funds. Their values may fluctuate in the short term and may not be ideal if you require a 100% return of your principal amount.

The returns provided are not cast in stone and will fluctuate based on the current short-term interest rates. You should adopt more goal-based planning and use the most suitable instruments/securities to help you accumulate or spend down your wealth instead of having all your money in short-term savings & investment options.

Kyith is the Owner and Sole Writer behind Investment Moats. Readers tune in to Investment Moats to learn and build stronger, firmer wealth foundations, how to have a Passive investment strategy, know more about investing in REITs and the nuts and bolts of Active Investing.

Readers also follow Kyith to learn how to plan well for Financial Security and Financial Independence.

Kyith worked as an IT operations engineer from 2004 to 2019. Currently, he works as a Senior Solutions Specialist in Fee-only Wealth Advisory Firm Providend. All opinions on Investment Moats are his own and does not represent the views of Providend.

You can view Kyith’s current portfolio here, which uses his Free Google Stock Portfolio Tracker.

His investment broker of choice is Interactive Brokers, which allows him to invest in securities from different exchanges all over the world, at very low commission rates, without custodian fees, near spot currency rates.

You can read more about Kyith here.