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High yield. Low fees.

Over 100,000+ investors trust OIFA to grow their wealth.

Grow your cash with higher yields.

Earn more on your cash with Cash Smart solutions tailored to your risk tolerance. Enjoy higher yields from 5.7% to 11.9%*, no lock ups, no limits or tiers, no penalties, no hidden charges, no transfer limits and no fuss.

Expert financial advice.

Low and fair fees. All your transactions are securely handled by our partner broker.

The smart and flexible way to earn more on your cash.

No lock-ins
Next-day withdrawals
Unlimited transfers
Zero fees, 100% trailer fee rebates
Grow your cash with no limits or tiers, with different risk and return options you can choose from.
No sales fees,
No transaction fees,
100% Cashback on trailer fees.
Managed by Singapore’s biggest money managers.
Unlimited transfers
Zero fees, 100% trailer fee rebates

Make your cash work smarter for you.

OIFA advisors help you access the best cash, money market, and short duration bonds in the industry, at the lowest cost achievable. You will be provided with an advised portfolio suitable for your goals so your money never goes a day without working.

Choose from portfolios designed to cater to your risk tolerance and unique cash management needs, based on factors like your expected investment time horizon, or when you might require cash for your next big expense.

Invest better to live easier today and better tomorrow.
Headquartered in Singapore, OIFA is the first digital advisor for CPF, SRS, and cash savings, helping everyone invest holistically, conveniently, and with expert advice at the lowest cost possible.

We believe in a better wealth experience. Knowledge and transparency are essential for success, and you should never feel like you do not have control or do not understand how your money is managed. We will present you the data you need to make informed decisions, so that you can be best prepared for your future.

Our Main values


We are only paid by you and never accept commissions from product providers - this allows us to always recommend the products best suited for you.

Integrity and stewardship

We are a steward of your capital and trust and will never compromise on acting in your best interest.

Knowledge and transparency

Empowerment through knowledge can help all of us anticipate outcomes and therefore succeed in reaching our goals.

We bring together decades of experience at leading global financial institutions and technology companies, including Goldman Sachs, Morgan Stanley, UBS, Blackstone, Nomura, HSBC, Macquarie, Wilmar, SP Services, Grab, Intuit, Zalora, Carousell, Alibaba, Kakao, ByteDance, Dropbox, Lyft, and more.

Our diverse expertise and experience in asset management, private banking, investment banking, and consumer technology have prepared us to better serve you.

Contact Us

Invest better to live easier today and better tomorrow.

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