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How it works
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Set up your Regular Savings Plan on ETFs
Choose your ETFs and how much to invest each month - this is your Regular Savings Plan. -
Invest automatically every month
We invest for you on schedule. You can adjust or stop anytime.
Is AutoInvest right for me?
Automated investing with a Regular Savings Plan on ETFs
Ideal if you want a simple, consistent way to grow wealth.
What you’ll get
- You pay no commissions to buy ETFs under AutoInvest
- Invest as much or as little as you like with fractional ETFs
- Set up your AutoInvest once and stay invested
- Fund automatically with Direct Debit (eGIRO)
- Dollar-cost averaging is a popular strategy to counter risks of market volatility
Self-directed investing
Preferred if you want to make active investment decisions.
What you’ll get
- Unparalleled access to financial instruments and markets
- Potential to enjoy higher returns through active investing
- Full control and the ability to time market entry
- Tiered pricing available for Classic, Platinum, and VIP clients
Most popular ETFs for investors
| Popular instruments | Symbol |
|---|---|
| iShares Core S&P 500 (Acc) UCITS ETF | CSPX: xlon |
| iShares Bitcoin Trust ETF | IBIT:xnas |
| iShares Gold Trust ETF | IAU:arcx |
| Popular instruments | Symbol |
|---|---|
| Vanguard S&P 500 ETF | VOO:arcx |
| Vanguard Total Stock Market ETF | VTI:arcx |
| Vanguard Information Technology ETF | VGT:arcx |
| Popular instruments | Symbol |
|---|---|
| SPDR S&P 500 ETF Trust | SPY:arcx |
| SPDR Gold Trust ETF | GLD:arcx |
| The Energy Select Sector SPDR ETF | XLE:arcx |
UCITS ETFs
A smarter way to access global markets
Keep more of your investment income with UCITS ETFs such as CSPX. Compared with US-domiciled ETFs, their tax-efficient structure cuts dividend withholding tax from 30% to 15% — a 50% reduction that can help improve your net returns.
For Singapore-based investors who are not US persons, Irish-domiciled UCITS ETFs can offer two important advantages over US-domiciled ETFs:
Lower dividend leakage on US shares
Dividends paid directly to a non-US investor from a US-domiciled ETF are generally subject to 30% US withholding tax where no treaty reduction applies.
An Irish-domiciled ETF commonly pays 15% withholding on dividends received from US companies under the US–Ireland tax treaty. This tax is still paid inside the fund—it is reduced, not eliminated.Potentially cleaner estate planning
US marketable securities can be treated as US-situated assets, and the US estate-tax filing threshold for non-resident non-citizens is generally just USD 60,000.
Holding shares in an Irish-domiciled fund rather than a US-domiciled ETF can reduce this exposure because the investor owns an Irish fund rather than a US security.
UCITS ETFs are not automatically superior. Their fees may be higher than the cheapest US ETFs, trading volumes can be lower, and investors may face foreign-exchange conversion costs or wider bid–ask spreads. The trading currency also does not determine the portfolio’s true currency exposure. Tax treatment depends on personal circumstances and can change, while sector, duration, credit and market risks remain exactly where they were—the UCITS label is a wrapper, not a force field.
AutoInvest FAQ
Saxo’s AutoInvest is essentially a Regular Savings Plan (RSP) specifically for investment in ETFs.
AutoInvest is a feature which allows you to automatically invest in various ETFs every month. You can choose the amount, select your instruments within a range of ETFs and define your instrument allocation then set it up as a Regular Savings Plan.
Automating your recurring investments can be an effective way to level out your risk exposure via dollar-cost averaging, avoiding the need to time the market, and maximize your investment potential in the long term.
With Saxo AutoInvest, you can buy ETFs with $0 commission, invest as little as you like with fractional ETFs and automate this using Direct Debit (eGIRO).
There are a wide range of ETFs available via AutoInvest. You can view the full range here.
You will first need to open a Saxo account here if you haven't done so. When your account is approved, you may opt-in to AutoInvest following these steps.
A range of ETFs are available via AutoInvest, including equity-based ETFs and fractional trading. However, investing in single stocks through AutoInvest is currently not available.
There is no minimum or maximum amount for how much you can invest each month.
The orders based on your Autoinvest instruction are placed on the 5th day of each month. If the 5th day falls on a weekend, the order will be placed on the next weekday. However, take note that the order will only be processed when the applicable market(s) for the instruments in your Autoinvest instruction are open. This means that the orders may not be filled the same day as when they are placed.
Saxo will strive to process your orders in due time. However, there may be delays in the event of external factors such as significant market movements or system capacity constraints. In such cases, Saxo may place orders manually to ensure execution is completed as soon as possible.
Saxo will strive to process your orders in due time. However, there may be delays in the event of external factors such as significant market movements or system capacity constraints. In such cases, Saxo may place orders manually to ensure execution is completed as soon as possible.
You will first need to set up an EDDA mandate on your Saxo Account. After your eDDA mandate has been successfully set up, you can schedule regular deposits via the platform>deposits and transfer>desposit>EDDA>recurring deposits. You can refer to this link for details.
Yes, you can adjust your recurring investment amount, instrument selection and investment split at any time. We suggest making such adjustments before the 5th day of each month to ensure these adjustments are effected before investment orders are placed for that month.
When you set up your AutoInvest account, your first monthly investment will only be processed if the available cash in your account is at least equal to the monthly investment amount you have indicated.
From the second month onwards, cash in your AutoInvest account will be invested according to your selected instruments and allocation, if the available cash is at least 10% of your indicated monthly investment amount.
For example, if you have indicated a monthly investment amount of $1,000, but only have $300 available during that investment cycle, the $300 will still be invested according to your selected instruments and allocation.
Currently, only cash up to your monthly investment amount will be invested each month. If you’d like to invest more than this, you can enable the “Invest extra cash” feature. Click here for more information on this feature.
Yes, you can request to start, pause, or stop your AutoInvest instruction at any time. For more details, please click here. We suggest making such request before the 5th day of each month to ensure this is effected before investment orders are placed for that month.
We do not charge any commissions on instruments purchased through AutoInvest. You will also not be charged any custody fees if you are opted into Securities Lending. Commissions apply if and when you choose to sell positions in your AutoInvest account.
Other general fees/charges associated with the trading of the underlying instruments may apply. Please refer to our general charges for more details.
Other general fees/charges associated with the trading of the underlying instruments may apply. Please refer to our general charges for more details.
You can select up to 10 different instruments to invest in monthly for each AutoInvest sub-account.
Yes you can, subject to the maximum number of sub-accounts that Saxo may support from time to time.
No, AutoInvest accounts are currently only available in SGD.
The base currency of AutoInvest accounts is SGD. If you wish to fund your AutoInvest account with currencies other than SGD, please refer to more details at our funding instructions page.
No, instrument transfers to and from an AutoInvest sub-account are not supported.
Cash dividends will be credited to the AutoInvest account in which the relevant instrument(s) are held.
They will then form part of the funds in the AutoInvest account and may be invested in the next investment cycle.
Saxo will not place any orders to purchase instruments which are delisted or no longer available under AutoInvest. Instead, the amount in your instruction which was allocated to that instrument will remain as cash in your account. For example, if your investment instruction contains an aggregate amount of S$500 and allocates 20% of the amount to be invested in a delisted instrument, then S$100 will remain as cash in your account.
You can close your AutoInvest account in a few simple steps. For full details, please click here.
For more information, please refer to the AutoInvest Terms.
AutoInvest Promotion FAQ
New-to-Saxo and existing clients who have not traded with Saxo before may participate in this promotion between 1 October 2026 – 5 January 2027.
See full criteria at AutoInvest Promo T&Cs
- Open a Saxo account.
- Create an AutoInvest plan and connect a funding source.
- Once completed, your AutoInvest plan will automatically execute a trade on the next scheduled trading day.
- Once a trade has been suceesfully executed, the $50 CSPX ETF will be credited to your account.
Saxo will credit the SGD 50 CSPX ETF within 30 days after the first trade.
No, each new client can only redeem the free ETF once.
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