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Endowus Cash Investments Portfolio
0.25% to 0.60%
ANNUAL MANAGEMENT FEE
EXPECTED ANNUAL RETURN
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Endowus robo-advisor's investment portfolio philosophy is diversified, low-cost portfolios built on best-in-class mutual funds (or unit trusts).
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, SRS or Cash. And each of these sources offers different types of investment portfolios.
Unlike the standard portfolios mentioned above, opting for Fund Smart gives you more freedom for customisation. You can build your own customisable portfolio using Endowus Fund Smart, where you have access to more than 50 downselected unit trusts to 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.
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, you can invest in a low-risk, liquid cash management solution where you can get up to 2% returns with no limits and no restrictions.
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.
Endowus portfolios can access the world’s stock and bond markets efficiently through 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.
By accessing the institutional share-class of 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.
Your assets are securely held in your own name at UOB Kay Hian, Singapore’s largest broker.
CPF & SRS
0.40% flat fee for any amount
Up to S$200,000: 0.60%
S$200,001 to S$1,000,000: 0.50%
$1 million to $5 million: 0.35%
above $5 million: 0.25%
0.05% flat fee for any amount
Fees summary for Endowus
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.
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.
However, the minimum necessary account balance of S$10,000 might be a huge barrier for many. It is also only available via the web.
Endowus 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.
MAS Financial Advisers Licence no. 100066-1
Contact us at [email protected]should you require any assistance or spot any inaccuracies.