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Endowus
- Overview
- Reviews (231)
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Claimed
This product is managed by Endowus.
USER RATINGS
User Experience
Ease of Sign up
Customer Support
Plans (5)
Endowus Cash Investments Portfolio
Equities, Bonds
INSTRUMENTS
0.25% to 0.60%
ANNUAL MANAGEMENT FEE
$10,000
MINIMUM INVESTMENT
N/A
EXPECTED ANNUAL RETURN
Web and Mobile App
PLATFORMS
[EXCLUSIVE] Get $20 off access fee for new sign-ups via "Visit Site" or "Apply Now" button.
Details
Product Page Transparency
- Claimed in August 2020
- Pays to access additional features
Endowus Review 2021: Is Endowus the Robo-Advisor For You?
- 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: $10,000
- Investment Portfolio: Diversified, low-cost portfolios built on best-in-class mutual funds (or unit trusts)
- Allows you to invest all three sources of wealth - CPF, SRS and cash - holistically towards your goals
- Provides an evidence-based approach to wealth, and strategic advice for asset allocation
- Endowus utilises funds from global fund managers, such as PIMCO and Dimensional, with real, long-term proven track records
- Assets held in client’s own name at UOB Kay Hian, Singapore’s largest broker.
- Get to enjoy attractive pricings 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. However, the minimum necessary account balance of S$10,000 might be a huge barrier for many.
- $20 off your access fees for new sign-ups through the "Visit Site" link or "Apply Now" button.
- Get $100 in bonus for new sign-ups into Endowus Cash Smart through the "Visit Site" link or "Apply Now" button."
4.8
231 Reviews
- 5199
- 427
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Pinned by Endowus
- Updated 1w ago
Purchased
Endowus CPF Investments Portfolios
Setting up was an ease, although would recommend using desktop instead of mobile. Since I already had a CPFIA, investing with my OA was relatively easy. I chose to invest my OA with Endowus because I wanted exposure to S&P500 using my monies in my OA and Endowus is the only platform at the moment that allows us to do so. The fees are all transparent too. Lastly, the customer support is excellent! Didn't feel at any point that I was talking to a bot. They have excellent Customer Service.0
Post
- Updated 1d ago
Purchased
Endowus CPF Investments Portfolios
[User Experience] [Investment Method] SIgned up late last year and the sign-ups were a breeze. Have cash management, cash investment and CPF investments all set up with Endowus but the biggest draw for me was the ability to invest CPF OA in a tax-efficient S&P500 index fund (who would have thought that would be difficult/rare but it actually is if not for Endowus). Their customer service is also great; emailed them and got on calls with them and they are highly responsive. The insights/education offered on their website and also the webinars have been highly informative. Shortly after I signed up, my wife also signed up to invest her CPF OA. Given all this, I think their fees are more than worth it, and they don't make extra from distributing the funds (which also ensures their independence). If you're looking to start investing, and no matter your risk profile (very conservative to very aggressive), they have portfolios to meet all your requirements. Highly recommend.0
Post
- Updated 3d ago
Purchased
Endowus Cash Investments Portfolio
Customer service is good, typically reply within 1 day. Easy user interface. The best part is I can use my CPF and SRS for rsp dollar-cost average. My only grouse is that my fees add up to 1%, even though they claim to be the lowest or one of the lowest. I wish they provide ETFs too, as unit trusts have higher expense ratios.0
Post
- Updated 4d ago
Purchased
Endowus SRS Investment Portfolios
I have signed up and invested into Endowus for nearly 2 months now and I must say its a very well run with a professional team who respond quickly to enquiries and give good insights and market/portfolio reports/updates via email communication! In addition to stable and explainable returns from the market, the other good feature about using endowus is that it promise to rebate all the trailing fees, making unit trust/mutual funds more affordable than ever. Yes I know there is also access fees charged by Endowus, but it is a good trade off as I am now able to invest with wide diversification across the funds and easily switch between funds when market conditions change. In addition the various risk level funds of endowus looks very well constructed and well thought out. A potential downside is the high entry initial deposit to start an endowus account while its rivals like Stashaway and Syfe can start with just 50 dollars easily or so. I highly recommend Endowus if you are looking for a dependable robo advisor.0
Post
- Updated 1w ago
Purchased
Endowus Cash Investments Portfolio
The application process was very smooth, they provided decent infographics on the composition of the portfolio.0
Post
No Question Found.
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.
Get $100 in bonus for new sign-ups into Endowus Cash Smart through the "Visit Site" link or "Apply Now" button."
Benefits and Features of Endowus
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.
Endowus CPF Portfolio Includes
- Vanguard-managed Infinity US 500 Stock Index Fund - an Endowus Exclusive (Equity Funds)
- Vanguard-managed Infinity Global Stock Index Fund - an Endowus Exclusive (Equity Funds)
- First State Dividend Advantage (Equity Funds)
- Schroder Global Emerging Market Opps Fund ( Equity Funds)
- Legg Mason WA Global Bond Trust (Fixed Income)
- UOB United SGD (Fixed Income)
- Eastspring INV UT Singapore Select Bd Fund (Fixed Income)
Endowus SRS and Cash portfolio Includes
- Dimensional Global Core Equity (Equity Funds)
- Lion Infinity (Vanguard) US 500 Stock Index (Equity Funds)
- Dimensional Emerging Markets Large Cap Core Equity (Equity Funds)
- Dimensional Pac Basin Small Companies (Equity Funds)
- PIMCO GIS Global Bond Fund (Fixed Income)
- PIMCO GIS Income Fund (Fixed Income)
- Dimensional Global Core Fixed Income Fd (Fixed Income)
- PIMCO GIS Emerging Markets Bond Fund (Fixed Income)
Endowus Fund Smart
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.
Cash Smart
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.
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
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.
2. Cost
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.
- 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$10,000.
- Endowus also charges an all-in flat fee of 0.25% to 0.60%. depending on your investments:
CPF & SRS | 0.40% flat fee for any amount |
|---|---|
Cash | 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% |
Cash Management | 0.05% flat fee for any amount |
Fees summary for Endowus
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.
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.
About Endowus
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.
Contact Endowus
- Website: endowus.com
- Email: [email protected]
Operations
MAS Financial Advisers Licence no. 100066-1
Contact us at [email protected]should you require any assistance or spot any inaccuracies.