When I started investing in 2011, the landscape was brutal for small investors like me. You had two crappy options: pay ridiculously high management fees through unit trusts, or try to navigate individual stocks and ETFs while getting hammered by brokerage commissions. I’ll never forget the shock of learning that local brokerages like POEMS and DBS Vickers charged a minimum $25 commission per trade. I could only afford to invest $200 a month back then, which meant every single investment immediately took a 12.5% hit before I even started. Building a diversified portfolio wasn’t just expensive – it was practically impossible unless you had serious money. Then in 2017, Stashaway launched with an MAS license, followed by Syfe and Endowus in 2019. While I was initially skeptical of them, they’ve improved tremendously over the years. Now, roboadvisors can help anyone set up a portfolio, automate a monthly investment, and move on with their life… all within an evening....