If I have $500 monthly for investing (ie goal to 30k in X years), between Stashaway (16% risk) vs Endowus (Balanced) vs Syfe Equity100 - which is better? Is it wise to have 3 Robo accounts simultaneously?

How did you come up with these 3 choices? All 3 have different end goals in mind. Stashaway and Endowus in this case, will have a moderate return and more suited for you if your horizon is not >10years. On the other hand, Syfe Equity100 will give you potentially the highest return but that is if you are willing to stay invested for the long term. If your goal is accumulation for long term, I would rather you focus fire into Syfe Equity100 since your goal is to hit 30k in X years. But again this depends on you and your risk profile.

I have all 3, but for different purposes from yours.

Each of the portfolio you mentioned has different risk management strageties.

Eg Stashaway uses gold and gov bonds, whereas endowus uses coporate bonds unit trusts.

Syfe100 is totally in equities.

all things equal, i will choose the one with lower fees.​​​