Leap into prosperity this CNY 💰     Get an $88 head start to growing your wealth.

Leap into prosperity this CNY 💰Get an $88 head-start to growing your wealth.

Founder of The missing piece and Endowus client
Founder of The missing piece and Endowus client

I invest for my family

Expert financial advice
Expert fund access
Low and fair fees
licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
double-ledger secure:
Assets held in your own name at
Endowus & UOB Kay Hian
licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
Double-ledger sercure:
Endowus & UOB Kay Hian

Why invest with Endowus?


We do the work, so you don't have to.

  • Tell us about your goals – We will tailor a portfolio for you to work towards your goals.
  • Invest the way you like – Choose to invest lump sum or gradually with a monthly automated recurring plan.
  • Sit back, relax and watch your money grow – Our investment team monitors your portfolios to maximise your chances of success.

Science, not speculation –
Experts rely on data-driven strategies

  • Data-driven – We work with leading global fund managers with proven track records in implementing their strategies successfully over time.
  • Low cost – We can achieve economies of scale and offer you quality institutional share class funds at lower cost. The lower your fees, the higher your returns.

Catering to your unique needs

  • Grow your cash to beat inflation — Earn better yields with no lock-ups, no hidden charges and no limits with Endowus Cash Smart.
  • Generate a passive income stream — Get regular payouts to offset your expenses with Endowus Income Portfolios.
  • Build long term wealth — Invest in globally diversified portfolios designed for long term outperformance with Endowus Flagship Portfolios.

Why our clients prefer us

Our mission at Endowus has always been to build a generation that will live better, because they have invested better today.

We are thankful to our clients who have entrusted us with their life savings, over S$1 billion in CPF & SRS savings, to be precise.

Join us on our journey, as we seek to help you achieve better investing outcomes. We are confident we can get there together.

Start seamlessly
with Endowus.

Onboard in under 5 minutes.

Want to know more about CPF investing?

How do I start investing my CPF savings with Endowus?

Endowus offers advised portfolios that you may use your CPF Ordinary Account (OA) to invest in. As the first CPF digital advisor, investing your CPF with Endowus can be done entirely online by linking your Endowus account with your CPF Investment Account.

Here are the steps in detail:

Create a CPF Investment Account (CPFIA) with any of the 3 local agent banks (DBS, OCBC, and UOB).

Pass the Customer Knowledge Assessment (CKA), a regulatory requirement that ascertain a potential investor's financial knowledge before investing in our CPF

Create your Endowus investment account using your SingPass, or simply log in if you have an existing account.

Choose your CPFIS portfolio based on your risk appetite.

How much CPF OA monies can I invest?

You can invest all of your CPF Ordinary Account balance above the maintenance balance of S$20,000. For example, if you have $50,000 in your CPF OA, you may use up to $30,000 of this for investing via the Endowus platform. To find out how much of your CPF OA savings you can invest, please log in to myCPF Online Service or visit the CPF website for more details.

Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing my CPF through Endowus?

As with all investing, there are no guarantees and you must be comfortable taking some risks. This is in contrast with the interest guarantee provided by the Singapore Government for money left in your CPF accounts. If capital preservation is your primary concern, you may wish to consider leaving your CPF monies uninvested.


Endowus aims to help you invest with the highest probability of success. Historical data shows that over the long-term, investing in a broad market exposure portfolio is more likely to show positive returns. While there are no guarantees in investing, we believe in the power of markets and long-term investing to deliver a better outcome than the 2.5% p.a. CPF-OA interest.

Who can invest under CPFIS?

You can invest under CPFIS if you are:

1. A CPF memberAged 18 and above

2. Not an undischarged bankrupt

3. Holding more than S$20,000 in your CPF Ordinary Account

4. Not holding an existing CPF Investment Account with another bank

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