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Endowus

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  • Reviews (506)
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4.8
506 reviews
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Claimed

This product is managed by Endowus.

USER RATINGS

User Experience

4.8

Ease of Sign up

4.8

Customer Support

4.9

Plans (5)

Slide 1 of 5
  • Endowus Cash Investments Portfolio

    Equities, Bonds

    INSTRUMENTS

    0.25% to 0.60%

    ANNUAL MANAGEMENT FEE

    $1,000

    MINIMUM INVESTMENT

    N/A

    EXPECTED ANNUAL RETURN

    Web and Mobile App

    PLATFORMS

    [PROMO] Get S$20 off access fees. Valid till 31 Dec 2021. T&Cs apply. Learn more below.

  • Endowus CPF Investments Portfolios

    Equities, Bonds

    INSTRUMENTS

    0.4%

    ANNUAL MANAGEMENT FEE

    $1,000

    MINIMUM INVESTMENT

    N/A

    EXPECTED ANNUAL RETURN

    Web and Mobile App

    PLATFORMS

    [PROMO] Get S$20 off access fees. Valid till 31 Dec 2021. T&Cs apply. Learn more below.

  • Endowus SRS Investment Portfolios

    Equities, Bonds

    INSTRUMENTS

    0.4%

    ANNUAL MANAGEMENT FEE

    $1,000

    MINIMUM INVESTMENT

    N/A

    EXPECTED ANNUAL RETURN

    Web and Mobile App

    PLATFORMS

    [PROMO] Get S$20 off access fees. Valid till 31 Dec 2021. T&Cs apply. Learn more below.

  • Endowus Cash Smart Enhanced

    Cash Management

    INSTRUMENTS

    0.05%

    ANNUAL MANAGEMENT FEE

    $1,000

    MINIMUM INVESTMENT

    1.2% - 1.4%

    EXPECTED ANNUAL RETURN

    Web and Mobile App

    PLATFORMS

    [PROMO] Get S$20 off access fees. Valid till 31 Dec 2021. T&Cs apply. Learn more below.

  • Endowus Cash Smart Core

    Cash Management

    INSTRUMENTS

    0.05%

    ANNUAL MANAGEMENT FEE

    $1,000

    MINIMUM INVESTMENT

    0.80% - 0.9%

    EXPECTED ANNUAL RETURN

    Web and Mobile App

    PLATFORMS

    [PROMO] Get S$20 off access fees. Valid till 31 Dec 2021. T&Cs apply. Learn more below.

Endowus Cash Investments Portfolio

Equities, Bonds

INSTRUMENTS

0.25% to 0.60%

ANNUAL MANAGEMENT FEE

$1,000

MINIMUM INVESTMENT

N/A

EXPECTED ANNUAL RETURN

Web and Mobile App

PLATFORMS

[PROMO] Get S$20 off access fees. Valid till 31 Dec 2021. T&Cs apply. Learn more below.

Details

Product Page Transparency

  • Claimed in August 2020
  • Pays to access additional features

Endowus Review 2021: Is Endowus the Robo-Advisor For You?

Endowus is an evidence-based robo advisor with competitive fees and prices in Singapore. Overall, Endowus has the lowest fees among Robo-Advisors that invest in unit trusts and is great for investors looking to maximise money from their CPF.

Endowus allows you to invest all three sources of wealth - CPF, SRS and cash. It is the first and only robo-advisor in Singapore to allow you to invest your CPF monies. In their investment strategy, Endowus takes an evidence-based approach to wealth, and strategic advice for asset allocation. Their portfolios utilise funds from global fund managers, such as PIMCO and Dimensional, with real, long-term proven track records. Additionally, assets are held in the client’s own name at UOB Kay Hian, Singapore’s largest broker.

  • Endowus Platform Fees: $0
  • Invest Cash Access fees of: 0.25% - 0.60% depending on your investments
  • Cash Smart Access Fees: 0.05%
  • Invest CPF & SRS Access Fees: 0.04%
  • Minimum Investment: $1,000
  • Investment Portfolio: Diversified, low-cost portfolios built on best-in-class mutual funds (or unit trusts)
  • $20 off your access fees for new sign-ups through the "Visit Site" link or "Apply Now" button.

Read More about Endowus
Reviews (506)

4.8

506 Reviews

  • 5
    432
  • 4
    64
  • 3
    4
  • 2
    4
  • 1
    2

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    Most HelpfulMost RecentLow to HighHigh to Low
      Posted 3d ago
      Sign up was easy, took some time as it needs to also create an account with UOB Kay Hian and also go to through the Customer Knowledge Assessment. No complaints there as it helps protect us. Mobile app could use a little improvement as it seems that a lot of pages are being redirected to a browser session instead of displaying the information from the app itself.

      0

      What are your thoughts?

      Reply

      Posted 9d ago

      Purchased

      Endowus CPF Investments Portfolios

      The web and app are simple, intuitive and easy to understand, and they provide enough information for the sign up and onboarding to be smooth and swift. I didn't even have to get customer support so I can't comment on that. I love that I can invest using my CPF and it's passive which fits my investment style. I only have to check in once in a while. I've used it for about 8 months since mid-Feb with a 100% equity profile, and the returns as of today is 7.05%. There's a dip since last month's 10% but I'm doing this long-term anyway so it will ride out and it's still higher than CPF interest rates. I'm quite happy with it so far. What would improve the experience is that the app could be as comprehensive as the web platform because the app features are more suited for simple monitoring and making transfers. It's sufficient but for anything else, the app will direct to the web browser.

      0

      What are your thoughts?

      Reply

      Posted 10d ago

      Purchased

      Endowus Cash Investments Portfolio

      [User Experience] Platform is easy to use and monitor what's happening to your portfolios [Returns Rate] Cash smart ultra has a pretty strong return rate for cash management accounts [Investment Method] First time venturing into Mutual Funds, previously invested in ETFs. Growth is quite comparable between both generally

      0

      What are your thoughts?

      Reply

      Posted 12d ago

      Purchased

      Endowus SRS Investment Portfolios

      Endowus is a great robo-advisor platform. The app is a great addition to the whole platform. It is easy and simple to use and understand. There is still a portion of the information which need to be accessed from the webpage but the app will link you naturally to it. I think the robo-advisor has one of the better algorithm. I feel assured that my money is with Endowus and where they have choose to invest it in.

      0

      What are your thoughts?

      Reply

      Posted 12d ago

      Purchased

      Endowus SRS Investment Portfolios

      Best platform to invest CPF OA and SRS to have better return. Easier sign up and I can choose to DIY my own portfolio. A lot webinar and knowledge share in Endowus platform. However, I would like Endowus to improve SRS translation duration as well as dividend reinvested.

      0

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      Reply

    Discussions (0)
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      Exclusive Rewards

      Get S$20 off access fees

      • Promotion is valid till 31 December 2021
      • Promotion is applicable to new Endowus clients only
      • Min. deposit of S$1,000 is required
      • Initial deposit must not be withdrawn for 90 days
      • Terms and Conditions apply
      • To apply, click on the "Apply Now" or "Visit Site" buttons

      Benefits and Features of Endowus

      • Endowus is priced competitively with attractive prices with low all-in cost with no sales fees, no transaction fees, tax, and currency efficiency. Overall, Endowus has the lowest fees among Robo-Advisors that invest in unit trusts.
      • As mentioned, Endowus takes an evidence-based approach to investing which means analysing data and applying the research in a systematic manner as opposed to speculating. The aim of evidence-based investing is to ultimately provide the highest probability of success in growing your wealth over the long term. This can refer to securities that are subjected to specific elements or characteristics in order to maximise returns. Examples of these variables can be size, price, value, or profitability.
      • Endowus robo-advisor's investment portfolio philosophy is diversified, low-cost portfolios built on best-in-class mutual funds (or unit trusts). See the list of funds in the different portfolios below.
      • To cater to all levels of investors, Endowus will develop your portfolio based on your risk profile and rebalance it periodically.
      • They offer 6 different types of risk profiles that constitute varying levels of selected funds according to how risky of an investor you are.
      • Through Endowus, you can invest 3 ways, through CPF, Supplementary Retirement Scheme (SRS) or Cash. And each of these sources offers different types of investment portfolios.

      Types of Portfolios at Endowus

      Wondering How do I invest in Endowus? Starting from the type of funds you'd like to invest in, choose the type of portfolios that most suit your investment goals

      Endowus CPF Portfolio

      (All Funds are on the CPF Investment Scheme (CPF-IS) included List of Unit Trusts)

      • Vanguard-managed Lion Global Infinity US 500 Stock Index Fund - an Endowus Exclusive (Equity Funds)
      • Vanguard-managed Lion Global Infinity Global Stock Index Fund - an Endowus Exclusive (Equity Funds)
      • First Sentier FSSA Dividend Advantage (Equity Funds)
      • Schroder Global Emerging Market Opportunities Fund ( Equity Funds)
      • Legg Mason Western Asset Global Bond Trust (Fixed Income)
      • Eastspring Singapore Select Bond Fund (Fixed Income)
      • UOB United SGD Fund (Fixed Income)
      • Natixis Harris Associates Global Equity Fund (Equity Fund)

      Endowus SRS and Cash portfolio

      • Dimensional Global Core Equity (Equity Funds)
      • Lion Global Infinity (Vanguard) US 500 Stock Index (Equity Funds)
      • Dimensional Emerging Markets Large Cap Core Equity (Equity Funds)
      • Dimensional Pacific Basin Small Companies (Equity Funds)
      • PIMCO GIS Global Bond Fund (Fixed Income)
      • PIMCO GIS Income Fund (Fixed Income)
      • PIMCO Emerging Markets Bond Fund (Fixed Income)
      • Dimensional World Equity (Equity Fund)
      • PIMCO Global Real Return Fund (Fixed Income)

      Endowus Fund Smart

      Unlike the standard portfolios mentioned above, opting for Fund Smart gives you more freedom for customisation. You can now build your own portfolio thematically according to what your preferences from a curated list of more than 50 downselected unit trusts. Balancing out that flexibility, there's also safety in knowing these are institutional share-class funds from best-in-class global managers unit trusts that have been carefully screened by Endowus. nto make your own investment portfolio while getting advice on the risk level, underlying holdings of your fund.

      You can still invest with your CPF, SRS or Cash.

      After personalising your portfolio, it will be monitored and rebalanced automatically and intelligently as per usual.

      Overall, Fund Smart appeals to self-directed investors, who seek to have more control over where their money is invested.

      Endowus ESG Portfolio

      Additionally, apart from their core portfolios, Endowus also crafted ESG Portfolios for those who wish to invest in a better sustainable future. The newest Endowus ESG portfolios are built with the best ESG, sustainable and climate funds for both equities and fixed income from top ESG fund managers.

      Endowus Cash Smart Account: A Cash Management Solution

      It is also worth mentioning that Endowus also offers a cash management solution called Cash Smart. This is a different product from the aforementioned standard investment offerings via robo-advisory.

      With Endowus Cash Smart, this cash management account will allow you to invest in a low-risk, liquid cash management solution where you can get up to 2% returns with no limits and no restrictions.

      How does Endowus work?

      Endowus utilises portfolios of mutual funds managed by professional fund managers unlike other robo advisors in Singapore like Stashaway and Autowealth that invests in ETFs.

      According to your preferred risk tolerance, Endowus will then build your portfolio accordingly and rebalance it for you periodically.

      The levels of risk appetite will determine the ratio of the type of funds in your portfolio:

      Risk Level

      Portfolio Allocation Ratio

      Very Aggressive

      100% Equities

      0% Fixed Income

      Aggressive

      80% Equities

      20% Fixed Income and Others

      Balanced

      60% Equities

      40% Fixed Income and Others

      Measured

      40% Equities

      60% Fixed Income and Others

      Conservative

      20% Equities

      80% Fixed Income and Others

      Very Conservative

      0% Equities

      100% Fixed Income and Others

      Investment Portfolio Allocation Ratio according to Risk Level

      Why choose Endowus as your Robo-Advisor?

      1. Investment Strategy and Philosophy

      Strategic and passive in asset allocation, Endowus believes in maintaining and building portfolios according to your personal goals and comfort. Evidence-based investing is at the forefront of their investment methods.

      2. Accessibility to Leading Global Funds

      Endowus portfolios can access the world’s stock and bond markets efficiently through leading global fund managers with the scale and proven track records to implement their strategies and manage your money.

      Fund managers in their portfolios include Vanguard, Dimensional, PIMCO, Schroders, First State, Legg Mason, UOB Asset Management, and more.

      2. Cost

      By accessing the institutional share class funds, having no sales fees, no transaction fees, and rebating 100% of trailer fees, Endowus is low cost and aligned with its clients as an independent fee-only financial advisor. Coupled with the access to leading global funds, this means selecting the investment products that have exhibited good long-term performance with proven track records, that are also offered at attractive institutional-level costs.

      • No sales charge,
      • No distribution commissions,
      • no transaction fees and other hidden charges

      3. Security

      Your assets are securely held in your own name at UOB Kay Hian, Singapore’s largest broker.

      Fees and Charges For Endowus

      • The current minimum amount for investment is S$1,000.
      • Endowus also charges an all-in flat fee of 0.05% to 0.60%. depending on your investments:

      CPF & SRS

      0.40% flat fee for any amount

      Cash
      (tiered)

      Up to S$200,000: 0.60%

      S$200,001 to S$1,000,000: 0.50%

      S$1,000,001 to S$5,000,000: 0.35%

      S$5,000,001 and above: 0.25%

      Cash Management

      0.05% flat fee for any amount

      Fees summary for Endowus

      Do check for more information about Endowus Fees on their webpage.

      Verdict: Is Endowus the Best Robo Advisor in Singapore?

      Endowus usually scores a pretty high score on SeedlyReviews.

      Many users like that Endowus is a user-friendly and flexible Robo-Advisor that allows CPF, SRS and cash investments. Currently, being the only robo advisor that offers CPF investment capability is also attractive for many new investors.

      Endowus also has the lowest fees among Robo-Advisors that invest in unit trusts. Their pricing structure is attractive as they do not charge sales charges, transaction fees, or trailer fees. Additionally, redeeming your investments seems to be a breeze with no lock-in period.

      Endowus vs StashAway vs Syfe vs Autowealth

      Singapore Robo Advisors Comparison Table

      Wondering how Endowus will fair against other robos?

      Check out our full blog article for the Ultimate Robo Advisor Comparison Guide where we break down their fees, pros and cons, and types of investment products offered by these Singapore robo advisors going head-to-head.

      Exclusive Promotion with Seedly

      Promotion is applicable for new sign-ups only.

      No promo code required. To redeem the promotion, sign up by clicking on the "Visit Site" or "Apply Now" buttons to receive $20 off your access fees.

      About Endowus

      Endowus is a Singapore based Robo- advisory. It is the first and only digital advisor for CPF, SRS, and cash savings. Led by Sam Rhee, previously CEO and Chief Investment Officer at Morgan Stanley Investment Management, Endowus aims to help investors invest holistically, conveniently and confidently with expert advice, all at an affordable price tag.

      Contact Endowus

      • For more information, you can reach out to Endowus at
      • Email: [email protected]
      • Address: 158 Cecil Street, Singapore 069545

      Operations

      MAS Financial Advisers Licence no. 100066-1

      Contact us at [email protected] should you require any assistance or spot any inaccuracies.

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