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AMA Endowus

This AMA will be held LIVE on Wednesday, 26 Aug 2020 from 7-9pm. Start asking your questions here!

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Currently an undergraduate, was thinking if I should put $30k into Endowus' new Ultra Defensive Portfolio (100% bonds) assuming that I will need these funds to pay off my tuition fees in 3 years' time?
F

FM

Level 3. Wonderkid

Answered on 12 Dec 2020

Hi Anon, broadly in finance 101, it's a function of: ability & willingness to take risk, liquidity needs, time horizon. Given the short span of time (3yrs), purpose of funds is (at least for me) the very important need to fund education expenses, it may be wise to go for a high-yielding savings account instead. Even an ultra-defensive bond portfolio is subject to market risk (e.g. interest rate risk) and last thing you want is to erode principal and face a shortfall paying off your tuition bill.

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The Advantage of Endowus Fund Smart? You can invest like an Institutional Investor!

Endowus recently launched Endowus Fund Smart. We view it as the most compelling unit trust platform in Singapore now.

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Jun Jie

06 Nov 2020

Where can we see the list of unit trusts offered?
The InvestQuest
The InvestQuest

07 Nov 2020

Hi Jun Jie, here you go! https://endowus.com/investment-funds-list
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Hi Sam Not sure if this has been asked before , but may I understand why endowus do not have an application for mobile phones? Don’t get me wrong , I do love the clean interface of the site.?
Hey Anon, apparently Endowus has released their mobile application on both Android and iOS. Didn't know until my friend told me about it haha The mobile app is super sleek, clean, and informative, just like their web interface. Playstore: https://play.google.com/store/apps/details?id=com.endowus.mobileapp AppStore: https://apps.apple.com/sg/app/endowus-invest-cpf-srs-cash/id1531067679

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How is Endowus navigating the unprecedented uncertainties of 2020?
Lee John

Lee John

Level 8. Wizard

Answered on 28 Sep 2020

Staying true to their belief of not timing the market.

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DFA funds form a big part of Endowus allocation. Recent glassdoor reviews suggest concerns over the poor talent pool and culture in DFA. Is this something that we investors should be concerned about?
Lee John

Lee John

Level 8. Wizard

Answered on 28 Sep 2020

As an investor, I look primarily at the returns on investment the company gives. If it drops, I may consider changing. The things you mentioned would affect a smaller firm more.

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What is the platform cost for Endowus versus StashAway?
Endowus

Endowus

Answered on 23 Sep 2020

HI Anon, Dividend withhold tax applies to underlying investments that gives out dividend/income. In the case of investing through US ETFs, because the ETFs are obliged to pay out distributions due to the US tax authorities , and as a result be taxed at the fund level (between the US domiciled ETF to Singapore entity) at 30%. Assuming a 100% equity portfolio, with a 2% distribution, for a 30% DWT regime the dividend withholding tax will be at 0.6%. This will vary across different risk portfolios and geographical allocation.

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During the recent Endowus webinar, it was mentioned that a new defensive portfolio is coming. When will it be introduced?
Hi Anon, Hope you have signed up to our mailing list, or follows us on youtube. It will come soon enough!

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Hello (: i’m 21 years old and in university. when is the best time to start investing? i have also put some money into roboadvisors like stashaway. is that wise? how do i diversify my portfolio?
Hey there! The best time really, is now. And robos are great for newer investors as well to get a gauge of market movement, experiencing paper profit/loss on a smaller scale compared to buying mere stocks (though it will be good to venture into that at some point!). Robos offer an option for diversification of equities so its just a matter of which region of equities are they fully focused on and what are you looking at. There may be certain portfolios that are more heavily weighted on certain regions eg. US etc. Also, some portfolios go 100% equities, ie. you are fully exposed to the systemic risk of the market. You may want to consider diversifying your asset classes depending on your risk appetite through something that's fixed-income related. What has also helped me lots is learning to read up lots. Finding out geopolitical happenings,understanding market movement and how current events may correlate with that, understanding businesses and financial fundamentals.. all this will be great for embarking on your investment journey. All the best! Financial planning is an integral part of life. You can reach me here to find out more.

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