Nearly 8 in 10 investors use AI for research but don’t fully trust its results

Generationally, Singaporean Gen X investors report AI use in finance at 72%, against a global equivalent of 65%. Amongst Baby Boomers, the gap is wider: 72% in Singapore versus 59% globally. The report said it shows that AI engagement in Singapore is not concentrated amongst younger investors but cuts across age groups in a way that distinguishes the country from most of the other nine markets surveyed.

Four in ten Singapore investors (40%) say their ideal approach is hybrid, with 57% preferring AI and advisers working together, above the global figure (50%).

That preference holds across generations: 45% of Singapore Gen Z investors favour the sequence for generating new investment ideas, ahead of their global peers at 38%.

“Our new data tells us is that Singapore’s investors are using AI in their financial decision-making with discipline. They are doing more of their own analysis, arriving at conversations better prepared, and expecting more of the professional advisers who help them as a result. That is not a challenge to the adviser relationship model; it is setting a higher bar for what good advice looks like,” Ashmita Acharya, Head of International Wealth and Premier Banking, HSBC Singapore said.

Amongst high-net-worth investors (or those with $2m or more in investable assets), AI adoption reaches nine in ten (90%), compared with 82% globally. Singapore’s wealthiest respondents attribute an average 40% of their investment returns over the past 12 months to AI influence, above the 31% average across all Singapore investors surveyed.

At the same time, two-thirds (65%) say AI makes them feel more in control. These are clients who are already measuring AI’s contribution to their portfolio performance; what they are looking for from their bank is a relationship that matches their level of sophistication.

HSBC’s new survey included 9,993 mass affluent and high-net-worth investors across ten markets. The Singapore dataset comprised 609 respondents, surveyed between January and February 2026.