Which single fund will you all invest with Endowus with the recent 0.3% access fee?

It is great that Endowus has brought down the costs of owning mutual funds (vs banks/brokers). Still, fact remains that the funds themselves comes with high mgmt fees with less than ideal performance. Take US equity funds for example, net of fees, most are not able to beat an S&P500 ETF over a 3Y/5Y annualised period.

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Thus, to answer your qn, investing in an index tracking fund for 0.7% is wayyy too exepensive when you can get a corresponding ETF for 10X cheaper.

The cheaper single fund access fee definitely makes using fund smart more attractive but I will still use it as smaller satellite allocations as the advised portfolios are still better as core holdings.

Some single funds I am looking at are the Allianz All China equity fund and the Blackrock Next Gen Tech fund to fit certain themes I want in my portfolio. Previously it made more sense to have a few similar themed funds in % allocation for rebalancing purposes but now I am leaning towards single funds for the lower fees!