Receive institutional-grade
financial advice from a robo-adviser

UOBAM Robo-Invest, brought to you by UOB Asset Management (UOBAM), is the first robo-advisory service available on a mobile wallet in Singapore that guides you in your journey to grow your wealth.

Available exclusively on the Singtel Dash app, UOBAM Robo-Invest is managed by a trusted team of institutional experts with more than 30 years of investment experience, leveraging machine algorithms and human expertise to offer you reliable financial advice and portfolio recommendations.

Designed to aim for stable and sustainable returns, UOBAM believes in blending quality portfolios based on your risk profile to grow your financial assets with a long-term view. With a focus on Environmental, Social and Governance (ESG) factors, you may also contribute to a sustainable future.

Receive S$20 worth of credits

and additional 1,000 Dash reward points

From 1 March 2022 till 30 June 2022, simply top up Fresh funds of S$500* and maintain the amount for 90 days and receive:

  • S$20 worth of credits into your UOBAM Robo-Invest account
  • 1,000 Dash reward points for Singtel Mobile customers

*While stocks last. Excluding users who were eligible for the Lunar New Year 2022 Promotion.
Terms & conditions apply.

Not yet on Singtel Dash?

Get up to S$23 cashback when you make eligible transactions today.
Find out more >>

Simple and sustainable way
to grow your wealth with experts

UOBAM Robo-Invest assesses your risk appetite and tolerance in just two simple steps, before recommending you an expertly-curated portfolio of quality funds handpicked by UOBAM's investment strategists.

Click on these icons to find out more!

Hybrid strategy to aim for
stable returns in the long term

UOBAM Robo-Invest is the first to offer both actively managed funds and ETFs within a single robo-advisory portfolio.

Actively Managed Funds

Exchange Traded Funds (ETFs)

• Managed by an investment team with the aim of generating sustainable total returns

• Curated mix of ETFs that offers diversification across geographies and sectors

• Enjoy award winning professional investment expertise at low fees via UOBAM Robo-Invest

• Passive investment approach that closely matches to the overall market sentiment

UOBAM believes this portfolio allocation may benefit first time investors as it aims to mitigate risks and minimises impact from market fluctuations.

See what’s inside each portfolio

Choose between Global and Global Impact portfolios

The portfolio will consist of actively managed funds and ETFs which aim to have a favourable risk/reward ratio through the use of SGD hedged unit trusts for most fixed income allocation and ETFs. It aims to mitigate risks and minimise impact from market fluctuations.

Actively Managed Funds

United SGD Money Market Fund

United SGD Fund

United Singapore Bond Fund

Exchange Traded Funds (ETFs)

iShares Core S&P 500 ETF
iShares MSCI Asia ex Japan ETF
Vanguard Real Estate ETF

UOBAM reserves the right to vary the portfolio allocation and funds

The portfolio has allocations across a diversified range of asset classes. The underlying curated range of Exchange-Traded Funds (ETFs) and funds are carefully selected in-line with integration of ESG considerations. They are optimised to aim for returns according to the respective portfolio risk classifications.

Actively Managed Funds

United SGD Money Market Fund

United SGD Fund

United Singapore Bond Fund

Exchange Traded Funds (ETFs)

iShares ESG Aware MSCI USA ETF

iShares ESG MSCI EM Leaders ETF


Vanguard Real Estate ETF

UOBAM reserves the right to vary the portfolio allocation and funds

The portfolio allocation depends on individual investor’s risk profile.
Launch your Dash app to view the portfolios.

Video credit: UOB Asset Management

Why ESG Investing
should matter to you

“Do Well and Do Good.”

ESG investing involves investing in companies that have strong sustainability performance and incorporate environmental, social and governance (ESG) factors in their operations.

When you invest with UOBAM Robo-Invest’s Global Impact portfolio, you’re not just making your money work harder for you but also for the betterment of the world. UOBAM believes that companies in ESG funds tend to have better growth potential, which translates to potentially stable and sustainable returns in the long term.

Your trusted financial adviser for investments

UOBAM is a multi-award winning asset manager and financial adviser with over 30 years of investment expertise and over S$38 billion of assets under management (as at 30 September 2021).

UOBAM Accolades

Best Asia Fund House – UOBAM (3rd consecutive year)
AsianInvestor Asset Management Awards 2021

Best of the Best Country Awards - Best Asset Management House (Singapore)
Asia Asset Management Best of the Best Awards 2021

Best-in-Class (SGD Fixed Income) – United Singapore Bond
Benchmark Fund of the Year Awards 2020

View full list of awards won by UOBAM

UOBAM’s proprietary Capital Market Assumptions (CMAs) are created by a group of investment experts to input their insights and recommendations into the UOBAM Robo-Invest algorithm.

Meet the investment experts behind your portfolios:

Mr Dharmo Soejanto Head of Investment Partnerships &
Solutions, UOBAM and Chief Investment
Strategist, UOBAM Digital Solutions

Mr Victor Wong Head of UOBAM
Sustainability Office

UOBAM takes a stringent evaluation approach towards ESG investing with the aim to generate potential returns while managing risks. With proven fundamental process and investment framework, UOBAM aims to provide a stable, trusted platform for you to invest.

Find out more about UOBAM’s investment strategy

Simple and flexible way to grow your wealth

Secure login within
the Singtel Dash app

Receive financial advice and portfolio recommendation

Start investing from
as low as S$1

Top up and withdraw
anytime with no limit


Launch your Dash app > Tap Invest


Assess your risk profile


Review your portfolio selection


Complete your setup and fund your account

Once your account is set up, fund your account to get started!

How may the Regular Savings Plan set you up for long-term success?

Achieve dollar-cost averaging

  • Reduce average purchase cost in the long run
  • Ride out short-term market fluctuations

Focus on your financial goals objectively, without emotional biases

  • Build discipline with consistent & fixed contributions
  • Save time, effort and avoid risky guesswork in timing the market

Simpler way to grow wealth in the long run

  • Start with small top-up amounts (min. of S$50) towards a sizable portfolio
  • Automatic, recurring top-ups via Dash wallet using one-time set-up

Activate seamless weekly/monthly top-ups to your UOBAM Robo-Invest account via Regular Savings Plan (RSP)! Read more about how RSP works in the FAQs below.

How the fees are calculated

Advisory fee

For first S$25,000: 0.8% p.a.
Above first S$25,000: 0.6% p.a.

US Securities and Exchange Commission (SEC) fees (applies to sell trades for US-listed ETFs)

0.00229% of the value sold

Note: Based on prevailing SEC fee rates and is subject to change from time to time without notice. Please refer to the SEC website for latest updates.

Underlying fund related fees (e.g. Management Fee, Trustee Fee, Valuation Fee etc.) payable out of the Funds to the Managers, the Trustee and other parties.

For Actively Managed Funds, please refer to prospectus of specific fund here. For ETFs, please refer to fund prospectus by the respective fund issuer.

Calculated and accrued daily based on your assets under management (includes cash asset allocation held in your portfolio) and charged quarterly.

Should there be insufficient cash balance in your account to pay the fees, UOBAM Invest will proceed to divest your investment holdings to meet the obligations.

The SEC fee is chargeable only when the Digital Adviser sells a US-listed ETF and will be deducted directly from the sales proceeds of a US-listed ETF sale.

UOBAM Robo-Invest terms and conditions apply.

Important Notice & Disclaimers:

This document is for your general information only. It does not constitute investment advice, recommendation or an offer or solicitation to deal in Exchange Traded Funds (“ETFs”) or in units in any Unit Trusts (“Unit Trusts”, ETFs and Unit Trusts shall together be referred to as “Fund(s)”) nor does it constitute any offer to take part in any particular trading or investment strategy. This document was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. The information is based on certain assumptions, information and conditions available as at the date of this document and may be subject to change at any time without notice. If any information herein becomes inaccurate or out of date, we are not obliged to update it. No representation or promise as to the performance of the Fund or the return on your investment is made. Past performance of any Fund or UOB Asset Management Ltd (“UOBAM”) and any past performance, prediction, projection or forecast of the economic trends or securities market are not necessarily indicative of the future or likely performance of the Fund or UOBAM. The value of any Fund and the income from them, if any, may fall as well as rise, and may have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund. Investments in any Fund involve risks, including the possible loss of the principal amount invested, and are not obligations of, deposits in, or guaranteed or insured by United Overseas Bank Limited (“UOB”), UOBAM, or any of their subsidiaries, associates or affiliates (“UOB Group”) or distributors of the Fund. Market conditions may limit the ability of the platform to trade and investments in non-Singapore markets may be subject to exchange rate fluctuations. The Fund may use or invest in financial derivative instruments and you should be aware of the risks associated with investments in financial derivative instruments which are described in the respective Fund's prospectus. The UOB Group may have interests in the Funds and may also perform or seek to perform brokering and other investment or securities-related services for the Fund. Investors should read the Fund's prospectus, which is available and may be obtained from UOBAM or any of its appointed agents or distributors, before investing. Notwithstanding the digital advisory services that will be provided to you through UOBAM Robo-Invest, you may wish to seek advice from a financial adviser before making a commitment to invest with UOBAM Robo-Invest, and in the event that you choose not to do so, you should consider carefully whether investing through UOBAM Robo-Invest is suitable for you. Any reference to any specific country, financial product or asset class is used for illustration or information purposes only and you should not rely on it for any purpose. We will not be responsible for any loss or damage arising directly or indirectly in connection with, or as a result of, any person acting on any information provided in this document. Services offered by UOBAM Robo-Invest are subject to the UOBAM Robo-Invest Terms and Conditions.

UOB Asset Management Ltd Co. Reg. No. 198600120Z

Frequently Asked Questions (FAQ)

UOBAM Robo-Invest is launched by UOB Asset Management Ltd (UOBAM) as a digital platform offering a guided and personalised financial advisory and investment service to investors. It is available as a mobile application accessible via the Dash app for personal investing.

UOBAM Robo-Invest aims to help build a portfolio that would best suit your risk tolerance and preferences, after understanding your risk profile through a short questionnaire. Once your account is approved, you can contribute cash to your account to start investing.

Available in SGD, UOBAM Robo-Invest invests in carefully selected Unit Trusts including UOBAM Unit Trusts and Exchange Traded Funds (ETFs) that are traded on US exchanges such as the Better Alternative Trading System (BATS), the National Association of Securities Dealers Automated Quotations (NASDAQ) and the New York Stock Exchange (NYSE).

Foreign exchange (FX) conversion performed on your account from SGD to USD will be completed at a preferential rate.

SingCash Pte Ltd (“Dash”) is a Monetary Authority Singapore (MAS) licensed payment service provider. The financial advisory and investment services available through UOBAM Robo-Invest are provided by UOBAM, who is licensed by the Monetary Authority of Singapore to provide financial advisory services.

UOBAM has appointed Dash to act as an introducer of customers for UOBAM’s financial advisory services. Dash is not in the financial investment or advisory business and is not acting as an agent or broker for UOBAM. Dash does not promote, endorse, recommend, procure, or advise on any financial products/services provided by UOBAM, other than to the extent of carrying out introducing activities, where applicable. All data relating to the financial products/services provided by UOBAM available on the Dash App is strictly for information purposes only and should not be regarded as an offer, solicitation, invitation, advice, or recommendation by Dash to buy or sell any securities or other capital markets product or financial services.

When Dash clients provides consent and accepts the Terms and Conditions for Dash In-App Financial Products/ Services and Dash Privacy Policy, you will be redirected to apply for an UOBAM Robo-Invest account and access the financial advisory services provided by UOBAM through the Dash app.

UOBAM Robo-Invest keeps things simple by employing a set of risk profiling to assess your risk tolerance and recommends a portfolio for you. It is designed to make it easier for you to kickstart your investment journey.

The portfolios are designed to optimise the risk/reward ratio through the blended use of SGD hedged unit trusts and ETFs. We believe such allocation can benefit first time investors as it is designed to mitigate risks and minimizes impact from market fluctuations.

No, you don’t have to be a UOB customer in order to invest with UOBAM Robo-Invest

Yes, you need to be a Dash customer in order to be able to open an account with UOBAM through the Dash app to success the financial advisory and investment services provided by UOBAM through UOBAM Robo-Invest

No. Please note that UOBAM Robo-Invest is currently only accessible via Dash mobile app.

Robo advisors are algorithmically driven digital advisory investment services that aims to help build a customised portfolio that would align with your risk appetite and preferences. This is done via recommending portfolios based on your risk profile through a questionnaire.

All individuals aged 18 years and above who are non-US persons. All account openings will be reviewed and approved by UOBAM based on your onboarding information provided.

Firstly, install Dash Invest mobile app on your phone from Google Play or App Store. Then, you can start investing with UOBAM Robo-Invest in 5 steps:

Step 1: Set up an account
After creating your Dash account, choose INVEST to access UOBAM’s Robo-Invest financial advisory services.

Step 2: Assess your risk profile
Complete a short questionnaire to determine your risk appetite and risk tolerance. UOBAM Robo-Invest will then recommend a customised portfolio based on your risk profile.

Step 3: Choose your portfolio
Decide whether you would like your investment portfolio to have an Environmental, Social and Governance (ESG) element and select the portfolio of your choice accordingly

Step 4: Complete your application
You will need to submit your personal details and other supporting documents via Dash mobile app to complete your application process to open an account with UOBAM Robo-Invest. You can also use MyInfo if applicable to assist in your application.

Once you’re done with these steps, you will be notified via email of your account application status. In the meantime, feel free to explore the app features. All transaction services will be activated once your account application is approved.

Step 5: Fund your investments

No. Please note that UOBAM Robo-Invest is currently only available under a single account.

Account openings with MyInfo
This is only available to Singaporeans, Permanent Residents and FIN (Foreign Identification Number) Holders.
No documents required.

Account openings without MyInfo
For applicants who are Singaporeans and Singapore Permanent Residents, please provide:
• A clear photo of both sides of your identification cards.

For FIN Holders, please provide:
1. A clear photo of your valid passport.
2. Proof of Address such as utility bill, phone bill or bank statement (Dated within 6 months from date of statements submitted).
All documents can be submitted through the Dash app. Do take note that further verifications via video call might be required

No, your UOBAM Robo-Invest account has to be approved before you can top up or invest your funds. You will receive an update via email from UOBAM and app push notification through your Dash app once your UOBAM Robo-Invest account has been approved. After that, log-in to set up your payments

Firstly, Dash will verify your personal details for you to become a Dash customer. After you are approved as a Dash customer, you may then apply to open an account with UOBAM Robo-Invest via the Dash app. You will be required to submit your personal information to UOBAM for verification purposes. For more information on how we use your personal data, please refer to our Terms and Conditions.

If you are a new Dash user, it would usually take 1 business day to verify your Dash Account and 3-5 business days to verify and approve your UOBAM Robo-Invest account after submission of your personal details through the Dash app.

If you are a Singaporean or Singapore resident and will be paying your tax in Singapore or even has not started working, according to the IRAS website, your TIN will be your NRIC or FIN (Foreign Identification Number).

You will receive notifications via email from UOBAM when it is ready for viewing. You can also view this in the Dash app.
Monthly statements are generated within 10 business days after the end of each month.

Login to your account, you can retrieve your monthly statements by tapping through the three dots on the top right-hand corner from the main screen. Monthly statements are generated within 10 business days after the end of the month.

To view your monthly statements, please ensure that you have a PDF reader such as Adobe Acrobat Reader installed on your mobile device.

No. Instructions given to UOBAM for an update of address will allow you to update your account address maintained with UOBAM only. You will have to update your details on the Dash app separately.

Please inform Dash and UOBAM separately.

  • Dash: You may change your personal details via the Dash app. Please go to Account > Click on Account name > Edit Profile > Save
  • UOBAM: To update your personal details with UOBAM, kindly contact us at UOBAMSupport@UOBGroup.com for our team to assist you.

ESG stands for Environmental, Social, and Governance. Investors are increasingly applying these non-financial factors as part of their analysis process to identify material risks and growth opportunities. ESG metrics are not commonly part of mandatory financial reporting, though companies are increasingly making disclosures in their annual report or in a standalone sustainability report. Numerous institutions, such as the Sustainability Accounting Standards Board (SASB), the Global Reporting Initiative (GRI), and the Task Force on Climate-related Financial Disclosures (TCFD) are working to form standards and define materiality to facilitate incorporation of these factors into the investment process.

ESG aware companies take into account factors that may have material impact on the financial performance of the company, which in turn helps to navigate uncertainties and create long-term value.

Simply transfer funds to your UOBAM Robo-Invest account via the Dash app:

For Lump Sum Investments:
I. Scan and Pay via PayNow (Recommended for amounts below S$200,000)
II. Bank transfers via eNETS

For Recurring, Fixed Investments:
III. Transfer from Dash wallet via Regular Savings Plan (start with minimum S$50)

1. What is Regular Savings Plan (“RSP”)?

A Regular Savings Plan (RSP) uses dollar-cost averaging (DCA) which is a strategy that involves investing a fixed amount on a regular basis, so that more units can be purchased when prices are lower, and less when prices are higher, thereby averaging out the costs. There is no market timing involved, as investments continue to be made, regardless of whether markets are rising or falling.

2. Why should I setup RSP?

By setting up RSP, you can continue to stay invested in a disciplined way and leverage on DCA strategy to average out your costs.

3. How do I setup?

There are only 2 steps to set up your RSP in the app:

Step 1: Top up your Dash wallet

  • Select top up for your Dash wallet and top up via Dash PET, Bank account, OCBC Pay Anyone, Paynow or via Cash-in QR (Sheng Siong and SOCASH)
  • Next, select either transferring via Virtual Payment Address (VPA) or QR Code
  • You will receive a push notification once your payment is successful
Step 2: Set up your RSP Plan

  • Login to UOBAM Robo-Invest via the ‘Invest’ tile.
  • Slide the “setup recurring top-up” option to input the amount and the frequency (weekly or monthly) of top-up desired.
  • Click on Save and your RSP is now setup and ready.
For RSP, the intervals available are weekly and monthly contribution.

What is the minimum amount to start my RSP?


5. How do I know if my RSP is successful?

You will see a message which says that your Regular Savings Plan is activated in the UOBAM Robo-Invest App.

6. How do I edit my RSP?

You edit your RSP by clicking on the Edit link. You can then edit the amount (Min S$50.00) and frequency of the RSP.

6. How do I cancel my RSP?

You can choose to cancel your RSP by sliding the RSP button. Once you turn off your RSP, there will be a message which says that your Regular Savings Plan is deactivated.

Login to your Dash account and go to the “Invest” tile. Your UOBAM Robo-Invest account number is shown at the top left on the dashboard

Fees charged to Investors First S$25,000 Above S$25,0002
Annual fee1 (inclusive of GST of 7%) 0.8% p.a. 0.6% p.a.
US Securities and Exchange Commission (SEC) fees (applies to sell trades for US-listed ETFs) 0.00229%3 of the value sold

Note: Based on prevailing SEC fee rates and is subject to change from time to time without notice. Please refer to the SEC website for latest updates.
Underlying fund related fees (e.g., Management Fee, Trustee Fee, Valuation Fee etc.) payable out of the Funds to the Managers, the Trustee, and other parties Please refer to respective fund prospectus.

  1. During the quarterly rebalancing, the annual fee is prorated and deducted at the start of the following month- after the end of each quarter.
  2. The calculation for investment sums above S$25,000 is (total investment amount) x (annual fee of 0.6%)
  3. Based on prevailing SEC fee rates and is subject to change from time to time without notice. Please refer to the SEC website for latest updates.

Calculated and accrued daily based on your assets under management (includes cash asset allocation held in your portfolio) and charged when a deposit or withdrawal is triggered and after the quarterly rebalancing.

Should there be insufficient cash balance in your account to pay the fees, UOBAM Invest will proceed to divest your investment holdings to meet the obligations.

The SEC fee is chargeable only when the Digital Adviser sells a US-listed ETF and will be deducted directly from the sales proceeds of a US-listed ETF sale.

Fees will only be applied to the assets under management, or the balance in your account. If the balance is S$0, there will not be any fees charged.

Fees will be accrued daily and will be charged at the end of every calendar quarter. For instance, 31 March, 30 June, 30 Sept, 31 December.

If you perform a full withdrawal, the fees would be pro-rated and charged accordingly.

No charges for each top-up and withdrawal. However, sales of asset will incur other underlying fund related fee such as trustee fee, valuation fee, US Securities and Exchange Commission (SEC) fees (applies to sell trades for US-listed ETFs)

In accordance with UOBAM’s Terms and Conditions, your personal details will only be used by the sales and client servicing team for servicing and marketing purposes.

UOBAM understands your concerns on their long-term commitment to providing this service. UOB Asset Management Ltd has been in the financial business for more than 30 years and is a wholly owned subsidiary of UOB Group. Their commitment and fiduciary duty to serve you is and will continue to be for the long term.

SingCash Pte Ltd is the Monetary Authority Singapore (MAS) licensed payment service provider is equally committed to our fiduciary duties. In the unlikely event that this service is discontinued, rest assured that UOB’s assets are held in reputable custodians such as Saxo Capital Markets Pte Ltd, and United Overseas Bank Limited.

As such, there will be flexibility in terms of the transfer or settlement and arrangements can be made with the custodians. Should the need arise in the future, UOBAM will adhere to regulatory requirements and also act in the best interests of our clients.

No, terminating your UOBAM Robo-Invest account will not result in terminating your Dash account

As UOBAM Robo-Invest is an exclusive offering available only on Dash, if you choose to terminate your Dash Account, you will have to terminate your UOBAM Robo-Invest Account.

Your top-up to Dash wallet does not automatically top-up to your UOBAM Robo-Invest account. The amount in your Dash wallet is independent from your UOBAM Robo-Invest account

No. The top up functions for your Dash wallet are distinctively different from the top up function for your UOBAM Robo-Invest account. You can only top-up your UOBAM Robo-Invest account when you tap on the ‘Top up’ button within the ‘Invest’ tile on the homepage after opening an UOBAM Robo-Invest account.

For any further enquiries or assistance, please contact:
Payments related
Singapore users: 1800-GET-DASH (1800 438 3274)
Overseas users: +65 6438 3274

UOBAM Robo-Invest and withdrawals related
UOB Asset Management Ltd
UOB Plaza 2
80 Raffles Place, #03-00
Singapore 048624
Tel: (65) 6532 7988 (Monday-Friday and excluding Public Holidays: 9 am to 5:30 pm)
Hotline (8 am to 8 pm daily, Singapore time): 1800 22 22 228 (local toll-free)
(65) 6222 2228 (calling from overseas)
Fax: (65) 6535 5882

Do keep a lookout for any referral promotions which we may launch from time to time.

Introduction and Terms of Use

  • UOB Asset Management Ltd. (“UOBAM”) has appointed SingCash Pte Ltd (“ Dash”) as an Introducer of customers for UOBAM's financial advisory services
  • Dash wishes to introduce you, as its customer to UOBAM, which can provide you with financial advisory services in respect of units in a collective investment scheme. UOBAM also manages segregated mandates and provides digital advisory services through their online platform.
  • As an Introducer, Dash is not permitted to give advice or provide recommendations on any investment product to you, market any collective investment scheme, or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities.
  • Dash will be remunerated for every customer introduced to UOBAM, and will disclose the amount of the referral remuneration it receives from UOBAM in respect of your referral if requested by you.
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