Iris Cheng

27 Aug 2020

∙

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?

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Samuel Rhee

27 Aug 2020

Chief Investment Officer at Endowus

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!!

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Hi! Will be grateful if anyone can share Investing strategies using Endowus. New to the platform and uncertain about the different options/ funds/ loss tolerance to choose from. Thank you.

Aside from Gregory (coz I saw that he invested almost everything), can you share how much of your team's personal funds are with Endowus? Just trying to gauge the level of conviction?

Hi Sam! Can you share with us how Endowus compares to the other robo-advisors in Singapore? (i.e In terms of performance, fees, investment strategy, etc)?

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Hi Val! I find it rare to find women like you in the personal finance and investing space as men usually dominate the space. Are you willing to share more about your story and personal journey?