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

Hi, as Shaun has pointed out, it really depends on your investment horizon. Just to highlight , even at the age of 55, you may also not want to withdraw money from your CPF because it is giving high interest,. From that angle, it is better to keep CPF money within CPF as long as possible, only drawing down when necessary.

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.