Name: SqSave
Brand: SqSave
Availability: InStock
Rating: 3.9 (1 reviews)

Overview

SqSave uses machine learning AI to build and manage globally diversified ETF portfolios, starting from just S$1. Run by PIVOT Fintech (CMS100806), the platform monitors markets around the clock and rebalances each investor's portfolio individually based on real-time predictions. MoneyBox gives idle cash projected returns of 1.7% to 2% p.a. with no lock-in, while GlobalSave portfolios span five risk levels across equities, bonds, commodities and currencies. Operational since 2019 with funds held at Tiger Brokers, UOB and State Street Bank, SqSave suits hands-off investors who want AI handling portfolio decisions.

Pros

↑Extremely low one dollar minimum investment requirement
↑MoneyBox projected returns of 1.7% to 2% p.a. with no lock-in or withdrawal penalties
↑Fully automated AI-driven portfolio management with zero decisions required

Cons

↓Limited to ETF portfolios only with no individual stock selection
↓Performance fee of ten percent on profits above benchmark
↓Currency conversion fee of 0.40 percent on SGD deposits

Key Highlights

Welcome Offer
MoneyBox 1.7% - 2% p.a. projected returns
Projected returns of 1.7% to 2% p.a. on MoneyBox (as at 30 Nov 2025)
Invests in 70% UOB United SGD Fund Class B + 30% UOB United SGD Money Market Fund
No lock-in period, withdraw anytime
S$1,000 minimum deposit for MoneyBox
Management fee of 0.15% p.a. (currently waived under promotion)

Trading Costs
$1 minimum investment
Open account with zero minimum
Start investing with just $1
No minimum balance to maintain
No account maintenance fees

Assets & Markets
0.50% management fee
Global ETF portfolios: 0.50% annual management fee
MoneyBox: 0.15% p.a. management fee (currently waived)
CashBox: 0.10% annual management fee
Performance fee: 10% on annual profits above USD high-water mark

Why Choose?
AI-driven automation
Machine learning algorithms manage portfolios 24/7
Based on Nobel Prize winning Modern Portfolio Theory
Automatic rebalancing when better opportunities arise
No manual decisions or trading required from you

Regulation & Safety
MAS regulated
Capital Markets Services License CMS100806
Operated by PIVOT Fintech Pte Ltd (UEN 201716150D)
Client funds segregated at Tiger Brokers, UOB and State Street Bank
Over 6 years operational track record since 2019
FATCA and CRS compliant

Account Minimum
Global ETF portfolios
Invest in US-listed ETFs across multiple asset classes
Diversification across equities, bonds, commodities, currencies
Access to 2,000+ ETFs screened by AI system
Portfolios customized to your risk profile

Key Benefits

Trading Costs

★4.0

▼

Global ETF portfolios: 0.50% annual management fee, calculated and deducted daily
MoneyBox: 0.15% p.a. management fee (currently waived under promotion)
CashBox: 0.10% annual management fee
Performance fee: 10% on annual profits above USD high-water mark
Currency conversion: 0.40% on SGD deposits fixed by Tiger Brokers
No sales, redemption, withdrawal, or account closure fees
Underlying ETF fees: 0.15% to 0.25% passed through from fund issuers

Platform And Tools

★3.7

▼

Web-based platform with mobile responsive design
Proprietary SqSave Risk Profiler using game theory
Digital Asset Allocation System with real-time updates
Portfolio tracking with indicative NAV calculations
BuildWealth, RetirementSave, EducationSave calculators
Monthly statements and reporting available
Two-factor authentication for security
No native mobile apps currently available

Research And Analysis

★3.5

▼

AI-driven market analysis using real-time data
Portfolio selection from 2,000+ screened ETFs
Sharpe Ratio and Maximum Drawdown tracking
Benchmark comparison for performance assessment
Limited educational content compared to competitors
Focus on automated decisions rather than research tools
Performance reports available showing historical returns

Mobile Trading

★3.3

▼

Mobile responsive web platform accessible on browsers
Full account functionality on mobile devices
No dedicated iOS or Android native apps
Can manage deposits and withdrawals on mobile
Portfolio monitoring available on mobile
Two-factor authentication via SMS works on mobile

Account Features

★4.2

▼

Multiple portfolio goals can be set up simultaneously
GlobalSave in 5 risk levels: Conservative, Balanced, Growth, Aggressive, Very Aggressive
MoneyBox for short-term cash management (projected 1.7% to 2% p.a., S$1,000 minimum)
CashBox invests in Fullerton SGD Cash Fund for enhanced cash returns
MoneyBox USD for USD-denominated cash management
Gift-a-Portfolio for financial gifting options
KidSave for children's education planning
DoGood for social impact investing
SqCash for convenient multi-goal funding
Recurring deposits via bank standing instructions (monthly, quarterly, annual)

Security And Trust

★4.3

▼

MAS regulated with Capital Markets Services License CMS100806
Operated by PIVOT Fintech Pte Ltd since 2019
Client funds segregated at Tiger Brokers Singapore
Additional custodians: UOB and State Street Bank
Two-factor authentication required for access
Secure infrastructure on Google Cloud Platform
Regular third-party security audits and penetration testing
FATCA and CRS compliant for international standards

Customer Support

★3.6

▼

Email support at [email protected]
Phone contact available at +65-8481-8933
Business hours support only
Detailed FAQ section on website
Account opening assistance available
No live chat or 24/7 support
Response time typically within 1-2 business days

Educational Resources

★3.4

▼

Basic investment guides on website
FAQ section explaining ETFs and concepts
Limited video content or tutorials
Customer Knowledge Assessment required
Information on Modern Portfolio Theory
No webinars or interactive learning
Focus on automation rather than investor education

Available Tools

Automation

▼

Dca	✓
Algo Trading	×
Grid Trading	×
Trading Bots	×
Robo Advisory	✓
Sentiment Analysis	×
Social Copy Trading	×
Ai Trading Assistant	✓

Portfolio Tools

▼

Tax Harvesting	×
Islamic Account	×
Auto Rebalancing	✓
Dividend Tracker	×
Economic Calendar	×

Detailed Information

Commission Tiers	Flat fee structure for all users No volume-based discounts or tiers Same pricing regardless of portfolio size
Trading Fees	Global ETF portfolios: 0.50% annual management fee Calculated and deducted daily based on portfolio value No transaction or trading fees All ETF purchases executed by broker without commission to client
Stock Etf Commission	Not applicable - automated portfolio only
Options Commission	Not available
Futures Commission	Not available
Financing Rates	Not applicable - no margin or leverage available
Margin Interest Rate	Not applicable
Overnight Fees	Not applicable
Non Trading Fees	MoneyBox: 0.15% p.a. management fee (currently waived under promotion) CashBox: 0.10% annual management fee Performance fee: 10% on annual positive returns above USD high-water mark No account opening, maintenance, or closure fees No deposit or withdrawal fees No inactivity fees
Deposit Fee	0
Withdrawal Fee	0
Inactivity Fee	0
Currency Conversion Fee	0.0040
Data Feed Fees	Not applicable
Order Modification Fee	Not applicable
Vip Fee Tiers	No VIP program or tiered pricing structure

Minimum Spreads	Not applicable
Maximum Leverage	No leverage available
Margin Call Level	Not applicable
Stop Out Level	Not applicable
Negative Balance Protection	Not applicable
Settlement Period	Deposits: 2-3 business days (faster via SqCash before 11:30am) Withdrawals: 2-5 business days CashBox withdrawals: 3-4 business days Funding via GIRO, FAST transfer, TT, or PayNow scan-to-pay
Order Execution Quality	Orders executed via Tiger Brokers on US exchanges Execution during market hours only No control over specific execution prices Portfolio trades executed at next available market opportunity

Stocks Count	0
Etfs Count	2,000
Crypto Count	0
Forex Pairs Count	0
Product Universe Overview	GlobalSave portfolios invest in US-listed ETFs across equities, bonds, commodities, currencies AI system screens from pool of 2,000+ ETFs for portfolio construction Five risk levels: Conservative, Balanced, Growth, Aggressive, Very Aggressive MoneyBox invests in UOB United SGD Fund and UOB United SGD Money Market Fund CashBox invests in Fullerton SGD Cash Fund Class A
Geographic Market Coverage	Global exposure through US-listed ETFs Developed markets: US, Europe, Japan, Australia Emerging markets: China, Asia Pacific, Latin America MoneyBox focused on Singapore dollar instruments
Major Markets Details	Access to global equity markets via ETFs Major indices: S&P 500, NASDAQ, FTSE, DAX, Nikkei Fixed income across government and corporate bonds Commodities: gold, silver, oil, agricultural products
Emerging Markets Details	Emerging market exposure through specialized ETFs China A-shares access available Asia Pacific excluding Japan coverage Latin American market exposure Allocation determined by risk profile and AI predictions
Base Currencies Supported	SGD only for deposits (converted to USD for Global ETF portfolios at 0.40% conversion fee) MoneyBox USD available for USD deposits

Trading Platforms Overview	Web-based platform only Mobile responsive design No native mobile apps Google Cloud Platform infrastructure
Desktop Platform	Browser-based access via website Portfolio dashboard with performance tracking Goal setting and management interface Deposit and withdrawal functionality Statement downloads available
Mobile App	No dedicated mobile apps Mobile responsive web platform Full functionality on mobile browsers SMS-based two-factor authentication
Web Platform	Accessible at sqsave.com Account dashboard with portfolio overview and indicative NAV tracking Risk profiling game interface using game theory Multiple goal management: GlobalSave, MoneyBox, CashBox, KidSave, DoGood Investment calculators: BuildWealth, RetirementSave, EducationSave PayNow scan-to-pay deposits supported Monthly statements and reports downloadable
Trading Tools And Features	SqSave Risk Profiler using game theory Digital Asset Allocation System Automatic portfolio rebalancing Gift-a-Portfolio feature KidSave goal setting DoGood social investing Portfolio performance tracking
Charting And Technical Analysis	Not applicable - automated portfolio management Performance charts and graphs available NAV tracking over time Benchmark comparison visualizations
Risk Management Tools	AI-driven continuous risk monitoring Portfolio optimization based on Modern Portfolio Theory Sharpe Ratio tracking Maximum Drawdown monitoring Automatic rebalancing for risk management
Order Types Available	Not applicable - automated portfolio only No manual order placement All transactions executed by AI system
Integrations And Api Access	No API access available No third-party integrations Uses Tiger Brokers for execution Bank transfer integration for funding
Third Party Platforms	None
Api Rate Limits	Not available
Algo Trading Support	Not applicable - platform itself is algorithmic

Customer Support Overview	Email and phone support available Business hours operation Detailed FAQ section Account opening assistance
Phone Support Hours	Business hours: Monday-Friday Contact: +65-8481-8933
Live Chat Availability	Not available
Email Response Time	1-2 business days Email: [email protected]
Languages Supported	English, Chinese
Local Office Presence	Singapore: 60 Paya Lebar Road, #11-25
Account Manager	Not provided
Educational Resources Overview	Website FAQ section Basic investment guides Information on ETFs and portfolio theory Customer Knowledge Assessment materials
Beginner Resources	Yes - simplified explanations Risk profiler introduction Investment concept guides
Webinars And Tutorials	Not available
Market Analysis And Research	Limited market commentary Performance reports available AI-driven insights in portfolio decisions
Demo Account Details	Not available Can start with $1 to test service
Trading Courses	Not available
Tax Reporting Help	Basic tax information provided FATCA and CRS compliance No specific tax optimization advice

Regulation Overview	MAS regulated in Singapore Capital Markets Services License holder Operational since 2019 Regular regulatory compliance
Primary Regulator	Monetary Authority of Singapore (MAS)
License Number	CMS100806
Investor Protection Scheme	Client funds segregated from company assets ETF portfolios held at Tiger Brokers (Singapore) Pte Ltd as broker-dealer and custodian MoneyBox and CashBox funds held at State Street Bank and Trust Company and UOB Not covered by SDIC as PIVOT is not a bank Client assets protected in event of company failure You are the ultimate beneficial owner of assets in your SqSave portfolios
Security Features	Two-factor authentication required Hosted on Google Cloud Platform 24/7 intrusion detection Regular security audits Third-party penetration testing Secure data encryption SMS-based OTP verification

Commission Tiers

Flat fee structure for all users
No volume-based discounts or tiers
Same pricing regardless of portfolio size

Trading Fees

Global ETF portfolios: 0.50% annual management fee
Calculated and deducted daily based on portfolio value
No transaction or trading fees
All ETF purchases executed by broker without commission to client

Stock Etf Commission

Not applicable - automated portfolio only

Options Commission

Not available

Futures Commission

Not available

Financing Rates

Not applicable - no margin or leverage available

Margin Interest Rate

Not applicable

Overnight Fees

Not applicable

Non Trading Fees

MoneyBox: 0.15% p.a. management fee (currently waived under promotion)
CashBox: 0.10% annual management fee
Performance fee: 10% on annual positive returns above USD high-water mark
No account opening, maintenance, or closure fees
No deposit or withdrawal fees
No inactivity fees

Deposit Fee

Withdrawal Fee

Inactivity Fee

Currency Conversion Fee

0.0040

Data Feed Fees

Not applicable

Order Modification Fee

Not applicable

Vip Fee Tiers

No VIP program or tiered pricing structure