The Quiet Upgrade.
Live Better.

I want total transparency. Break down every single fee involved in my CPF portfolios.

We believe in a completely transparent ledger. Here is exactly what you pay:

• AutoWealth Advisory Fee: A flat 0.28% p.a. for our advisory, portfolio management, and dedicated concierge service. We absorb all brokerage transaction fees.
• Unit Trust Expense Ratios: Charged directly by the underlying fund managers, not AutoWealth. Because we rebate 100% of all trailer fees (commissions paid to AutoWealth) back to you, your net underlying fund fees are kept incredibly low, ranging from just 0.32% (Risk 2 Portfolio) to 0.40% (Risk 5 Portfolio).
• Agent Bank Fees: Your agent bank levies a fee of S$2.00 to S$2.50 per deposit/withdrawal, plus a quarterly S$2.00 to S$2.50 service charge. To protect your capital from multiple fees, our system intelligently batches your globally diversified portfolio purchases into a single, consolidated transaction.

What is the actual "catch" with your flat 0.28% p.a. fee? How does AutoWealth make money?

There is no catch; it is simply structural efficiency. AutoWealth is a heavily automated digital wealth platform. We exercise financial prudence, eschewing large marketing budgets and massive sales teams.

Because our operational cost-base is exceptionally low, charging a flat 0.28% p.a. allows us to run a highly sustainable business while passing the structural cost savings directly to you.

What happens to my CPF portfolio if AutoWealth goes out of business?

Your assets are safeguarded by Phillip Securities, one of Singapore's longest-standing brokerage houses. You enjoy full protection against the insolvencies of both AutoWealth and Phillip Securities.

If AutoWealth is insolvent, you can simply instruct the custodian to liquidate your holdings, and your CPF OA savings will flow safely back into your CPF Investment Account (CPFIA) and ultimately your CPF Ordinary Account.

Is my CPF OA savings ever mixed with AutoWealth’s corporate funds or other investors' capital?

No. In strict accordance with CPF regulations, your portfolio assets are held in a personal, segregated custody account at Phillip Securities. This account is maintained entirely in your legal name for your sole legal ownership.

Does my CPF OA savings ever leave the strict CPF regulatory system?

No. Every single financial institution that handles your CPF OA savings in our setup—from your agent bank, to the custodian, to us as your digital wealth platform—is explicitly CPF-authorized.

Your CPF OA savings remain in a closed-loop environment securely within the CPF regulatory framework.

What is the actual historical range of returns for your CPF portfolios?

We view the 2.5% Risk-Free OA Base as your foundation. By investing your excess CPF OA savings, our globally diversified portfolios can potentially grant you an intelligent upgrade.

The historical annualized returns across our CPF portfolios (from Risk 2 Conservative to Risk 5 Aggressive) range from 6% to 16%.

Disclaimer: Based on 10-year annualized returns of AutoWealth CPF portfolios (Risk 2 to 5) as of 31 Dec 2025. Investments always involve risks and the possibility of losses. Any reference to past performance is not necessarily indicative of and is no guarantee to the future or likely performance of your investments. Part of the 10 year returns are backtested.

What exactly are you buying with my CPF OA savings?

We construct your portfolio using rigorously screened unit trusts included under the CPF Investment Scheme. Your portfolio will hold a globally diversified mix of high-quality bonds and stocks.

For example, our conservative Risk 2 and Risk 3 portfolios are heavily anchored by highly secure assets like sovereign-grade Singapore Government Bonds and many other bonds.

How do you ensure my CPF portfolio doesn't crash if a single sector tanks?

We rely on sound global diversification. Your capital is never tied to the fate of a single company. Our portfolios contain upwards of 800 to 1,000+ underlying holdings distributed across global markets. If one specific market stumbles, the sheer volume of other global assets holds your baseline steady.

How do I track the CPF portfolio performance?

While your concierge handles the administrative heavy lifting, you remain in absolute control. You will have 24/7 access to your personal AutoWealth digital dashboard to transparently track your portfolio’s performance, view holdings, and monitor your wealth at any time.

I hate financial paperwork. What exactly do I actually have to do today to get started?

Absolutely zero paperwork is required from you. Your only task today is to tap the black "Connect with your Setup Concierge" button above. That one tap opens a secure WhatsApp chat. Once you hit send, your concierge (who is also a MAS-licensed representative) takes the wheel. She drives the entire process conversationally, ensuring you never have to navigate a confusing DIY portal alone.

What exactly does the concierge do behind the scenes?

While you chat, your concierge manages the administrative maze on your behalf. The backend process involves three broad steps (which she guides you through, or which you can choose to do yourself via our digital onboarding link):

• Singpass Connection: Securely opening your account with AutoWealth & Phillip Securities using MyInfo.
• Smart Detection: Verifying your CPF Investment Account (CPFIA) and clearing your Self-Awareness Questionnaire (SAQ) status.
• Funding: Authorizing the secure transfer of your CPF OA savings.

Do I have to move my entire CPF OA savings balance to try this out?

No. You can start with a pilot portfolio of just S$3,000 to compare our performance. There are zero lock-ins. You can withdraw your funds back to your CPF OA at any time for housing or personal needs. The usual fees will apply while invested. At withdrawal, there are no additional fees. You incur only the standard agent bank transaction fee.