Should I invest in Endowus or do a OA to SA transfer? - Seedly
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Anonymous

Asked 3w ago

Should I invest in Endowus or do a OA to SA transfer?

I do not need my OA as I have bought a house. Endowus gives higher returns but at some risk. Please advise!

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Shaun WQ Lim
Level 7. Grand Master
Answered 3w ago

Depends on what your risk appetite and financial goals are and how much time that you have to achieve them.

You could do a projection of how much your SA will grow over time, given that the interest rate is fixed/known.

If you are aiming for BRS, FRS or ERS, and a large portion can be achieved via SA, you may want to shift some of your OA to Endowus, given the time frame and risk profile.

In this way, you are splitting your risk between SA and Endowus while achieving your goals.

Do a self assessment first.

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