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Endowus Cash Investments Portfolio
0.25% to 0.60%
ANNUAL MANAGEMENT FEE
EXPECTED ANNUAL RETURN
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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.
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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
(All Funds are on the CPF Investment Scheme (CPF-IS) included List of Unit Trusts)
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.
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.
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 2.2% returns with no limits and no restrictions.
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:
Portfolio Allocation Ratio
0% Fixed Income
20% Fixed Income and Others
40% Fixed Income and Others
60% Fixed Income and Others
80% Fixed Income and Others
100% Fixed Income and Others
Investment Portfolio Allocation Ratio according to Risk Level
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 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.
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.
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%
S$1,000,001 to S$5,000,000: 0.35%
S$5,000,001 and above: 0.25%
0.05% flat fee for any amount
Fees summary for Endowus
Do check for more information about Endowus Fees on their webpage.
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.
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.
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.
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.
MAS Financial Advisers Licence no. 100066-1
Contact us at [email protected] should you require any assistance or spot any inaccuracies.