Hi Sam, can you share how do you personally invest your own funds with Endowus? Do you have multiple goals and invest at different frequencies?

Hi Iris - great question! I have multiple goals with different asset allocations depending on the goal - such as children's college fund (I have three so it's a heavy burden!) and the allocation depends on the time to goal and the risk I'm willing to take with it, so different goals have different allocation.

I also have multiple source of funds - remember you can invest your Cash savings, CPF and SRS all with us. But overall I would say I am close to 80% equities and 20% fixed income or 70:30 so a bit more aggressive. I have largely put in lump sum but have had some inflow outflow due to cash flow. If I am uncertain then I just spread out my investment over a few weeks or months. If it is fixed income then I definitely put it all in - especially the allocation post-COVID as fixed income saw massive dislocations and I didn't feel there was any risk or benefits from spreading out investments and similar view on equities too. So mostly lump sum investments whenever I have new funds to deploy.

I don't take much salary from Endowus so there is no monthly savings I'm afraid!!​​​