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Endowus is a Singapore-based investment platform that enables people to invest their CPF, SRS, and cash savings better, at the lowest cost possible.


Financial Advisers license no. 100066-1 issued
by Monetary Authority of Singapore

All your transactions are securely handled
by our partner broker UOB KaiHian

Now open to all Singapore-based investors excluding US Persons. Minimum initial investment S$10,000

Endowus is an independently owned and operated financial advisor.
We are only paid by you, so our advice is unaffected by conflicts of interest.

Sam Rhee
Endowus Chief Investment Officer (CIO)
Former CEO & CIO of Morgan Stanley Investment Management in Asia


Take control of your financial future

Move the sliders to see the effect of costs on returns, and how your wealth can grow over time

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This illustrative chart shows the impact of compounding. Actual returns will be different.

The chart shows Endowus fees versus typical industry fees assuming an equal 7.5% annualised return of underlying investment before any fees, and the return of interest of 2.5% p.a., equivalent to the CPF Ordinary Account interest rate legislated by the government.

Endowus fees comprised of Endowus Access Fee (of 0.25% to 0.60% p.a. depending on client AUA) and 0.52% fund-level fee (equivalent to that of the Endowus 60 | 40 balanced cash portfolio). Industry fee comprised of typical retail fees of 2% sales charge, 0.50% wrap/platform fee p.a., and 1.75% fund-level fee.

Cost matters

No sales charges. No trailer fees. No hidden charges. One all-in, transparent Access Fee, which includes advice, investment, rebalancing, transfers, and brokerage, at a fraction of the industry average.

Keep more of the returns you deserve. We work with asset managers to access their lowest fees possible so you benefit like an institution.

We are serious about independence. Any incentives we receive from asset managers we will return to you in full. This means a 100% rebate on any sales commissions and trailer fees.

  • No sales charges.
  • No transaction fees.
  • No trailer fees.
  • No hidden charges.

Track record matters

Access proven strategies implemented by leading global fund managers at the lowest cost possible. Invest in systematic and empirically evidenced investment strategies.

Today, we build portfolios on funds managed by Dimensional Fund Advisors and PIMCO, leveraging the greatest academics and practitioners of the investment industry.

and more...

Advice matters

We employ a holistic and scientific approach to your wealth, understanding and addressing your needs. Through goal-based investing, we help you realise your financial goals and priorities, realistically, so you can design your future.

What to expect
How do we properly advise you, with your unique life story and ambitions?
Endowus Endowus
In the press

Convenient and secure

In proud partnership with
UOB UOB Kay Hian

Through our partnerships with UOB and UOB Kay Hian, you can set up your Endowus account
and CPF investment account completely online in under 10 minutes.

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.

Start investing

By creating an account you agree
to the Platform Agreement