Endowus

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:

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:

Do check for more information about Endowus Fees here.

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

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.

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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.