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Anonymous

09 Jul 2020

∙

What is the recommended timeframe for Endowus' CashSmart? Is it suitable for funds that will be used for equities investment in the next couple of months?

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Shengshi Chiam, CFA

09 Jul 2020

Personal Finance Lead at Endowus

Hi Anon,

That is a great question!

I think this depends on 2 things -

the withdrawal speed of cash smart, which you can read here
the short term worst-casevolatillity of the cash smart portfolio, which can read here

My personal preference is to not use cash smart for ultra short term money (like within 1 month), but to use

Cash Smart Core for money that may need to be deployed within 1-3 months

Cash Smart Enhanced for money that may need to be deployed within between 3 months to 2 years

My personal preference is to put the equities investment money into Enhanced since I am willing to take risk with the money anyway.

Hope this helps.

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