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ETF

Endowus

Robo-Advisors

Investments

Why does Endowus not invest on ETF?
Boon Peng
Boon Peng
Level 5. Genius
Answered 2d ago
Maybe you want to email and ask them? :)
👍 1

Investments

Regular Shares Savings Plans (RSS/RSP)

Financial Planners

MoneyOwl

Endowus

Robo-Advisors

Looking to invest in DFA funds. How do the fees of IFAs compare to that of Moneyowl and Endowus? Any advice?
Hi Anon, IFA fees would differ from advisor to advisor. The only thing that stays constant in this case is the fund level fees, inability to charge sales charge for DFA funds, and the no trailer fees paid from DFA. But different qualified distributors of DFA Funds may charge different annual advisory fees, they may charge an hourly fee for consultation, and may also different minimum to invest and tier pricing for amounts invested.
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Endowus

Robo-Advisors

Investments

Retirement

Which portfolio is suitable for a retiree with low risk tolerance? Would a 20/80 or 100% bonds portfolio make sense given the lower returns and fees charged by Endowus is the same as a 100% Equities?
SW
Shaun WQ Lim
Level 7. Grand Master
Answered 6d ago
It depends on the time period that you are looking at and how much do you intend to draw down. Also have to consider what other sources of income you have. In order for the portfolio to grow and continue to generate returns over time, I believe there needs to be a portion that is invested in equities. That is my point of view so it really depends on your risk appetite and profile if you want to have that volatility in your portfolio. It will be good if you have a financial advisor that you can talk to.
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Endowus

Endowment Policies

SG Budget Babe

Investments

COVID-19

Robo-Advisors

How much do you need to invest in endowus? What do endowus invest your money in - SG/Global stocks?
CH
CH
Level 7. Grand Master
Answered 2w ago
Endowus user here. min 10k to start and subsequent $1k each top up, something which I am still uncomfortable with. As endowus prides itself to be a adviser, rather than a fund distributor, they invest in limited number of funds, but i guess also these are the funds which they have high conviction in. For their cash/SRS portion, there is only one equity fund - dimensional world equity fund. the rest are global bonds. i chose to invest with endowus after meeting their team in a live session, read through their thought processes and the underlying funds fact sheets. In general, I think it is still too early to say whether these digital platforms will be around for the long term and whether their stragety will perform as expected. that is why i also have investments with others. but it is not a good comparison whether this platform or that platform is better as their stragety, fees, etc differs. so it boils down to how confident you are in the koyok they are selling. lol. here is a referral code if you decide to open an account with them. you can get like 6 mths fee off. :D https://endowus.com/invite?code=E4DYK anyway it is free to set up account and you can play around and check their portfolio, read their articles. investment is a long term game, do not rush. hope this helps.
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Endowus

ETF

S&P 500 Index

Robo-Advisors

CPF

Investments

Retirement

Stocks Discussion

FSM One

Apart from one being an ETF and the other being an index fund, how else is VUSA different from VANUIVI (Vanguard U.S. 500 Stock Index Fund, which Endowus' CPF-enabled Lion Global Infinity feeds into)?
You cannot directly buy into the Vanguard U.S. 500 Stock Index Fund, which is a unit trust domiciled in UK, as a Singapore based investor. Americans have very very different considerations from Singaporeans. Unit trusts or mutual funds are in fact more popular than ETFs in US because US ETFs have to give out dividends (for dividend withholding tax purposes), whereas mutual funds are allowed to reinvest dividends from the fund manager.
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ETF

MoneyOwl

Investments

Robo-Advisors

Unit Trust

Endowus

FSM One

How do I invest directly into DFA Global Fund (mainly using SRS funds, without going through roboadvisors and being an accredited investor)?
Gregory Van
Gregory Van, CEO & Founding Partner at Endowus
Level 3. Wonderkid
Answered on 02 Jul 2019
Dear Anonymous, My name is Greg, Co-CEO of Endowus. A broad index fund ETF is lower cost than Endowus. If you choose to go down this route, we encourage clients to buy ACWD (UCITS - 40bps) through a low cost broker (Interactive Brokers for example) and try not to be caught by a bid-ask spread. I would highly discourage buying US-listed ETFs, given the dividend withholding tax on these products that you should not be paying from Singapore. Note that you can claim back partial withholding tax on interest from bonds, but not on equity dividends. (Example: If equity dividends are 3% and the withholding tax is 30%, you end up paying up to 90bps more unnecessarily, so what you thought was low cost actually becomes quite high cost.) I think that passive is a great strategy, but systematic, such as DFA, lets you access superior implementation which will drive better returns over the long run, and a strategy you can stick with through market cycles. An example of this implementation is Dimensional’s diversification and systematic tilts. In a single fund exposed to the entire world, there are over 10,000 securities, with a systemcatic overweight to the long-term risk premiums of small cap, value and profitability, versus the MSCI ACWI commercial index which is exposed to 2,000+ securities at a market cap weight. We expect this to generate alpha over the long-run, as it has through the long history of market data. Taking this position in the market also exposes you to tracking error (away from the commercial index), so you have to be comfortable with inconsistently winning and losing to the benchmark through your investment journey. Note that the fund level cost of the DFA fund described is 43bps, and Endowus fees range from 25bps to 60bps (all-inclusive of account creation, holistic advice, portfolio creation, intelligent rebalancing, brokerage, platform fee). DFA can be accessed through financial advisors like Endowus, MoneyOwl, Providend, though you are right in that there are additional asset based fees involved. We have run some analysis and over the long run, given DFA's long-term track record, these fees will be less that what you gain in the long-run. It is important to note that Endowus, MoneyOwl and Providend do not get paid by anyone but you, contrary to much of the industry that is paid trailer fees (distribution/sales commissions) by fund managers, which clients are usually oblivious to. This way we can stay honest to serving only you, our client.
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CPF

CPF SA

Investments

Robo-Advisors

Endowus

Should I invest in Endowus or do a OA to SA transfer?
SW
Shaun WQ Lim
Level 7. Grand Master
Answered 2w 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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Family

Investments

Robo-Advisors

StashAway

Syfe

Kristal.AI

Endowus

AutoWealth

I am thinking to set aside $50 to put into robo-advisors for fun to invest for my mum. Should I do it? Which one should I choose?
Junior Loh
Junior Loh
Level 4. Prodigy
Answered 2w ago
I believe that $50 is really too little for DCA to see much of a difference. The costs would probably be of a greater concern. If you really want to go ahead, I personally use Stashaway and I can attest for its user-friendliness as well as its performance.
👍 2

Robo-Advisors

Endowus

StashAway

Kristal.AI

AutoWealth

Investments

Apart from pricing, what’s the main difference between stashaway, kristal, autowealth and endowus? Is there a difference between the investment portfolio?
Lim Qin Da
Lim Qin Da
Level 6. Master
Updated 3w ago
Hi Anon, besides pricing and fees, there are still other things that we can look out for when comparing between robo-advisors. Among the 4 robo-advisors that you have mentioned, I have done a simple summary on the things you could look out for. ! Besides looking at numbers, you could also compare the pros and cons of these robo-advisors. ! To go further into weighing and analysis, you can read up more about all the different robo-advisors in a Seedly article here! You could also visit our Seedly Reviews page where our community members cover things like the pros and cons of every robo-advisor, as well as the returns they have made. Happy investing!
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👍 5

SeedlyTV S2E04

Robo-Advisors

Investments

StashAway

Syfe

Endowus

COVID-19

What are emerging Robo-Advisor trends since COVID-19 happened?
Lim Qin Da
Lim Qin Da
Level 6. Master
Updated 2w ago
Answers from the panel! Sam (Endowus): There is a major trend towards digitalisation and moving online , which would benefit all of us . But what is really important as an investor, is trying to pick between these different options , do your due diligence about the differences. Michele (Stashaway): Besides robo-advisors, even for investors, it is good to prepare yourselves before such an event actually happens . You need to think about portfolio allocation and risk management before things go bad, because then it is too late. It is impossible to time the market. Therefore, if you do wait until the market gets rough and not prepare yourself, then you are too late. Nobody knew, at least 2 months ago for this part of the market, that the bottom is going to be on 23 March. So trying to pick the day is impossible and you need to prepare yourself. For more discussions on SeedlyTV S2E04, you could check out the video and Q&A here!
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