Getting Started

Getting Started

  • Investing is a conscious decision to improve tomorrow

    In just a few clicks, you’ll have a detailed investment plan based on global model portfolios, built and continuously monitored by our team of experts.

  • 1. Design your story

    Tell us about your goals, risk tolerance, and investment timeline. We will tailor our portfolio recommendation based on your individual circumstances.

  • 2. Your personalised plan

    Based on your inputs, our system will scientifically recommend a model portfolio to you, and run thousands of simulations that show you how your portfolio may grow towards your goal.

  • 3. Onboarding

    As an MAS-licensed financial adviser, in order to open your Endowus account, we will ask you for some personal information and proof documents. The process is similar to opening a bank account. We designed our onboarding so it can be completed entirely online in under 10 minutes.

  • Your security as a priority


    When you create an Endowus account, we will create a trust account in your own name at UOB Kay Hian, Singapore's largest broker. This trust account will handle your assets and process the transactions you make on the Endowus platform, so we never handle your money directly.

  • Tomorrow and beyond

    Intelligent rebalancing. We monitor and conduct all the portfolio rebalancing for you. This means ensuring that your portfolio is appropriate for your goals, all the time.

    Life cycle advice. Based on your age, circumstances, goals, and the markets, your ideal asset allocation will change over time. We will advise you when the time is right to optimise your exposure for the best results.

    Recurring investments and redemptions. Set up and manage monthly investments into your goals, or redemptions from them as you want to use the funds. Don’t worry - we do not charge additional transaction fees.


What is Endowus and how does it work?

Endowus is a Singapore-based financial technology company that empowers people to take control of their financial future. The firm’s proprietary systems provide data-driven wealth advice in constructing personalised solutions. Its portfolios are built on access to institutional-quality financial products at the lowest cost possible.

Endowus is a fee-only independent advisor paid solely by its clients, allowing its advice to be unaffected by conflicts of interest. The firm provides its end-to-end digital solution to individual and institutional investors. Endowus is licensed by the Monetary Authority of Singapore.

How do I open an Endowus account?
Opening an account is easy and can be done entirely online in a few short steps.

  1. First, create an account by registering your email address on our site here.
  2. Fill in a short survey where we get a better understanding of your investment goals and risk profile and follow the prompts. We will advise you on an appropriate investment portfolio, or you can also opt to select your own portfolio.
  3. Then, we will ask you for some required information to complete your onboarding, which should take about 8 to 10 minutes.
  4. We will set up the account for you with both Endowus and our partner UOB Kay Hian, which should take about 2-4 business days if there are no issues.
If you get stuck and need a little help, please contact us at
What safeguards does Endowus have in place to ensure that my assets are protected from fraud?

All your assets are custodised in a trust account in your own name with UOB Kay Hian, one of Asia's largest brokerage firms. UOB Kay Hian is regulated by the Monetary Authority of Singapore and has a Capital Markets Services License to provide custodial services for securities.

What happens to my money and assets if Endowus closes?

Your money is held separately from ours and always in your own name at UOB Kay Hian, our partner broker. This means that you will always have full access and claim to your assets no matter what happens to Endowus.

How does intelligent rebalancing work?

Over time, the value of individual investments in your portfolio will move up and down and drift away from your target asset allocation. If an underlying holding drifts by more than 10% from its target allocation (i.e. a fund with a target allocation of 20% moves by more than 2%), we will send you an email to inform you. You will have the option to opt out of rebalancing if you choose, however, we believe that asset allocation is one of the greatest drivers for returns. If you do not choose to opt out of rebalancing your portfolio back to its target asset allocation, we will go ahead to execute the rebalancing 2 business days after you receive the email. Every cash flow (deposit or withdrawal) is used to rebalance your portfolio towards the target weights. In the absence of cash flows, we rebalance by selling and buying existing funds in the portfolio.

There is no additional cost to rebalancing for our clients.

How long do investments and redemptions take? Is there a lock-up?

There is no lock-up period. You can make your investment and redemption requests online and we will process them on the same business day if received prior to our cutoff time, or on the next business day if received after our cutoff time. The cutoff time is 12pm.

Invest for tomorrow

By creating an account you agree
to the Platform Agreement