Jeff Wang

27 Aug 2020

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With current US market booming and properous outlook, investor like me tend to put more funds in US funds and ETFs. Do you think the portfolios of Endowus cash/CPF overdiversify?

Do you think the portfolios of Endowus cash/CPF overdiversify in terms of the numbers of funds included? Create our own investment on just selected good funds might give better yield than invest of tens of funds.

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Samuel Rhee

27 Aug 2020

Chief Investment Officer at Endowus

Hi Jeff, it's interesting that some question us about being too much weighted in US and some say we are too diversified.

We are neither as we are passive strategic asset allocators for our core equities/fixed income portfolios. We do not take an active geographic bet on US or other markets. But the reality is that we do have a significant exposure to the US but that is natural under the circumstances where the US is still the largest economy in the world with some of the most competitive companies in the world.

We only have 7 funds in CPF and 8 funds in Cash/SRS. We have at most 4 funds for equities and 3-4 funds in fixed income. We have built the most efficient yet well diversified low cost portfolios comprising of the best in class and lowest cost funds. It is impossible to replicate the same portfolio at lower cost DIY. Thank you!

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