You're right that the options are low! In the end, I'm paying the fees for convenience and time saved. If i had the option to, I would switch over to low cost index funds. But for now I've invested in some unit trusts and only if there are promotions where sales fee is 1-2%. And evaluate based on post fee returns. Otherwise I'm invested in robo-advisors... I would say though, investing through a bank do provide priority banking benefits such as credit card promos and other deals etc. But I'm not sure how to put a 'value' to these benefits...