Which can give me better returns? 1. Regular Savings Plan or 2. SGS Bonds or 3. Robo Advisor?

Robo Advisors are passive investing platforms so the rate of return will depends on your risk appetite, with a big range of returns.

Regular savings plans have approximately 2-5% returns depending on which plan you opt for and your time horizon.

SGS Bonds have approx 1.4% to 2.1% return rates. You can take a look at this site: http://investsingaporebonds.com/singapore-bonds...

They all serve very different purposes. You are asking which tool to use in your toolbox without asking the right questions.

What is your risk appetitie, and what is your time horizon.

Robos give potentially higher returns, at a cost of higher risk.

The prior 2 have lower returns due to their underlying guaranteed structure which Robos do not provide.

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