Find out why top global companies choose Endowus Business Solutions

licensed & regulated by

Monetary Authority of Singapore

CMS License 101051

double-ledger secure:
assets held in your own name at

Endowus & UOB Kay Hian

Treasury Solution

Financial Wellness

Corporate Pension

Platform Solutions

Invest in exclusive institutional funds with dedicated advisory services

For CFO and Finance Managers

Low-risk, liquid solutions

Get low-cost, low-risk cash management options in SGD, USD, AUD, CHF, EUR and GBP.

Institutional advisory services

Our Investment Office will tailor a treasury management or investment solution that suits your company’s needs.

Safety of your assets

Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of Asia's largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.

Dedicated Corporate Relationship Manager

You will be assigned a dedicated advisor to serve your account and provide ongoing advice and service.

Competitive FX rates

Endowus does not add a spread or take a cut for any FX charges, so you can convert currency cost efficiently.

Work your corporate cash harder while maintaining liquidity

Our SGD and USD solutions offer daily liquidity and no lock up or penalties for redemption, and any rebates that Endowus receives from fund managers are rebated in full

3.15%

LionGlobal SGD Enhanced
Liquidity Fund

2.64%

Fullerton SGD
Cash Fund

2.2%

Cash Smart
Secure*

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Cash Smart
Enhanced*

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Cash Smart
Ultra*

*Not guaranteed. Gross Yield To Maturity derived using annualised 1-day yields as of 31 July 2025. Figures shown exclude Endowus Fee of 15bps but include the respective fund level fees.

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LionGlobal USD Enhanced
Liquidity Fund

4.18%

Fullerton USD
Cash Fund

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Goldman Sachs USD
Liquid Reserves Fund

This is some text inside of a div block.

Goldman Sachs USD Treasury
Liquid Reserves Fund

*Not guaranteed. Gross Yield To Maturity derived using annualised 1-day yields as of 28 March 2025. Figures shown exclude Endowus Fee of 15bps but include the respective fund level fees.

Get customised investment solutions tailored by our Investment Office based on your firm’s investment needs and goals. A rigorous process of fund screening, due diligence and portfolio construction is done to ensure that you get what works best for you.

Endowus uses best-in-class funds as building blocks for your business needs. We implement a strict, institutional-grade screening process that is rigorous, thorough, and continuous.

Obtain access to alternative asset classes such as private equity, private credit, private real estate, quant, hedge funds, absolute return, and market-neutral funds. These will complement your public market portfolio and offer greater diversification.

Jackie Lee, CEO clickTrue Pte Ltd

Endowus offers personalised service for my corporate account at a low, transparent fee that my firm was not able to obtain through corporate banking accounts. I also get a wide range of investment tools that can be used for working capital management.

XXX, CFO, Charity YYY

My charity can obtain very low-risk money market funds for my short-term cash holdings with high liquidity. One of the key advantage of using Endowus is that the assets are safely custodised in my charity’s own legal name with UOB Kay Hian.

Non-profits and charities are eligible for a preferential rate.

YYY, CIO, Family Office

I have a wide variety of investment instruments, denominated and hedged in major currencies. I also have access to a dedicated advisor to service my account, which is what I struggle to get with private banks at my account size.

Low, fair fees

cash management solutions

0.05% p.a.

Across all different currency solutions

advised portfolios

0.25%-0.6% p.a.

Based on net invested amount

CASHBACK ON TRAILER FEEs

100%

We rebate it all back to you

Employees need financial wellbeing support now more than ever.

For CFO and Finance Managers

A 2022 PWC Employee Financial Wellness Survey showed that 55% of financially-stressed employees spend 3 more hours each week at work dealing with their finances. In a period of high inflation and job instability, employees’ financial stress has an adverse impact on staff productivity and retention.

Endowus Employee Benefits Program is a full service partner for financial wellness related matters. Your employees get access to professional conflict-free advice, expert seminars and preferential rates when they invest with the top independent digital wealth platform in Singapore

Access your benefits

Financial wellness lunch and learn

Bite-size financial topics are covered by our licensed financial advisors at your organisation’s preferred date and timing. We can also curate more customised topics at your request.

Preferential offers your organisation

Build on your employee rewards program with a preferential code with one of the most comprehensive digital wealth platform in Singapore.

Edupacks on latest financial updates

Keep employees updated on the latest financial news with our snippets carefully chosen by our expert advisors and investment professionals.

Our speakers in action

Key topics for financial wellness sessions

manage money better

Support your employees in making informed money decisions and reduce financial stress in recent challenging economic conditions.

Click here for topics

RETIRE BETTER

Help your employees better understand how to use CPF contributions and SRS for tax relief and retirement planning.

Click here for topics

INVEST BETTER

Help your employees get started on investing — by learning how to invest in a safe and systematic manner.

Click here for topics

Topics we cover include:

Investing vs gambling
Why picking blue chip stocks doesn't work
Why invest in funds
Why you should not pick sectors or asset classes
What is a right time to invest?
Investing in roboadvisors

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What is Endowus Employee Platform Solution?

For Leadership and HR

Customised investment offerings for your organisation.

Exclusive Access
Provide your employees with exclusive access to your full range of funds, including employee share classes.

Controlled Access
Ensure compliance by controlling employee access to restricted funds. Manage investment rules with ease.

How it works

Endowus will create one or more employee profiles for your company. Employees tagged to a specific profile will adhere to rules that you control, such as:

Customised fund lists on Endowus Fund Smart
Option to receive employee trade and holdings report for compliance monitoring
Option to pay for employee’s platform fees

Access your benefits

Use Cases

Fund Management Companies

Employees of fund management companies may not have easy access to their own funds. Often resorting to regular distribution channels like brokerages or banks, investing in trailer-heavy retail share class of their own funds. Where available, this process may be paper based and operationally intensive for companies to self-manage.

Our unique proposition of not collecting trailer fees allow us to rebate 100% trailer fee on all retail funds (where institutional share class is not available).

Additionally, our platform can be uniquely customised to your organisations needs. To provide exclusive access to employee share class funds, exposing low-fee variants of your funds to your employees.

Professional Services Firms and Financial Institutions

Investing can be a complex and cumbersome journey for employees in institutions that deal with sensitive non-public information. Heavy trade and compliance monitoring deters employees from investing for their future.

The platform can be uniquely customised to your organisation’s needs. We can restrict access to funds that conflicts with your organisation’s compliance needs. We are also able to share trade and investment holdings reports of employees to your compliance team to ensure employee adherence to internal rules.

Our platform also carry only mutual funds, and does not allow for single stock trading.

Why choose our Corporate Pension Plan?

For Leadership and HR

Tailored Solution. Benefit from our trust structure, which allows you, the employer, to have control over the construct of the program.

Flexible Matching and Vesting Scheme. We can enable vested ownership of matched contributions over a stipulated timeframe.

Support for US persons. Support investment products for US persons

Reduce Administrative Burden. We will work with you to simplify operations with tailored compliance reports and streamlined HR procedures.

Empower your workforce and attract top talents

Attract and retain top talent
‍Make your total compensation package more robust with employer-sponsored matching schemes.

Aligned Interests
‍Reduce staff turnover by setting up retirement plans with vesting schedules. Encourage your staff to stay for the long-term success of the firm.

Support Foreign Employees
‍Contribute to foreign employees’ retirement through Singapore’s tax advantaged account like the Supplementary Retirement Scheme (SRS).

Invest in exclusive institutional funds with dedicated advisory services

Low-risk, liquid solutions

Get low-cost, low-risk cash management options in SGD, USD, AUD, CHF, EUR and GBP.

Institutional advisory services

Our Investment Office will tailor a treasury management or investment solution that suits your company’s needs*.

‍

*For accredited investor corporate client

Safety of your assets

Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of Asia's largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.

Dedicated Corporate Relationship Manager

You will be assigned a dedicated advisor to serve your account and provide ongoing advice and service.*

‍

*For accredited investor corporate client

Competitive FX rates

Endowus does not add a spread or take a cut for any FX charges, so you can convert currency cost efficiently.

Make your corporate cash work smarter for you

Endowus Cash Smart helps you access the best cash, money market, and short duration bond funds in the industry, at the lowest cost achievable. You will be provided with an advised portfolio suitable for your goals so your money never goes a day without working

What are the underlying funds and holdings in Cash Smart?

0.13% p.a

Saving deposits

1.7% to 1.9% p.a.*

Secure

2.5% to 2.7% p.a.*

Enhanced

2.6% to 2.8% p.a.*

Ultra

projected yields

*Not guaranteed. Projected yields calculated as of 31 Aug 2025.

High yield. Low fees.

Choose from three portfolios designed to cater to your risk tolerance and unique cash management needs, based on factors like your expected investment time horizon, or when you might require cash for your next big expense.

Secure

Lowest risk portfolio

Stable & sound

Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best-performing money market funds.

Underlying funds

50% Fullerton SGD Cash Fund
50% LionGlobal SGD Enhanced Liquidity

Risk considerations

Suitable for immediate and near-term cash needs. Key focus is capital preservation with good yield.

‍

Absolute fall in value (drawdowns) are highly unlikely, with any negative returns expected to be minimal.

Historical max loss

-0.05%

Projected yield p.a.
How is this range calculated?

2.0% to 2.2%

Fund-level fees after Cashback

(0.16%)

Endowus Fee

(0.15%)

Projected yield
p.a. after all fees

1.7% to 1.9%

Enhanced

Enhanced yield

Enhanced combines a short duration fund with two cash and money market funds to target a higher yield than Secure.

Underlying funds

50% UOB United SGD Fund
30% LionGlobal SGD Enhanced Liquidity
20% Fullerton SGD Cash Fund

Risk considerations

Suitable for both near-term and mid-term cash needs. Balanced portfolio with higher yield than Secure with a slight increase in risk.

Drawdowns can occur more frequently and for longer periods than Secure, although the negative returns are expected to be minimal compared to Ultra.

Historical max loss

-1.52%

Projected yield p.a.
How is this range calculated?

2.89% to 3.09%

Fund-level fees after Cashback

(0.25%)

Endowus Fee

(0.15%)

Projected yield
p.a. after all fees

2.5% to 2.7%

Ultra

Highest yield

Ultra aims to provide the highest yield among the three Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.

Underlying funds

10% Fullerton Short Term Interest Rate Fund
10% LionGlobal Short Duration Fund
10% PIMCO Low Duration Income Fund
15% Fullerton SGD Cash Fund
20% LionGlobal SGD Enhanced Liquidity Fund
35% UOB United SGD Fund

Risk considerations

Suitable for mid-term cash needs and may result in the need to hold on for longer during periods of volatility to achieve higher yield.

Drawdowns can be sharper with a prolonged recovery period compared to Enhanced, although the maximum negative returns are expected to be in the low single digits. Negative months can occur when fixed income markets fall.

Historical max loss

-3.14%

Projected yield p.a.
How is this range calculated?

3.02% to 3.22%

Fund-level fees after Cashback

(0.28%)

Endowus Fee

(0.15%)

Projected yield
p.a. after all fees

2.6% to 2.8%

Lowest risk portfolio

Stable & sound

Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best-performing money market funds.

Underlying funds

50% Fullerton SGD Cash Fund
50% LionGlobal SGD Enhanced Liquidity

Risk considerations

Suitable for immediate and near-term cash needs. Key focus is capital preservation with good yield.

‍

Absolute fall in value (drawdowns) are highly unlikely, with any negative returns expected to be minimal.

Historical max loss

-0.05%

Projected return p.a.
How is this range calculated?

2.0% to 2.2%

Fund-level Fees after Rebates

(0.16%)

Endowus Access Fee

(0.15%)

Projected return p.a. after all fees

1.7% to 1.9%

Enhanced yield

Enhanced combines a short duration fund with two cash and money market funds to target a higher yield than Secure.

Underlying funds

50% UOB United SGD Fund
30% LionGlobal SGD Enhanced Liquidity
20% Fullerton SGD Cash Fund

Risk considerations

Suitable for both near-term and mid-term cash needs. Balanced portfolio with higher yield than Secure with a slight increase in risk.

Drawdowns can occur more frequently and for longer periods than Secure, although the negative returns are expected to be minimal compared to Ultra.

Historical max loss

-1.52%

Projected return p.a.
How is this range calculated?

2.89% to 3.09%

Fund-level Fees after Rebates

(0.25%)

Endowus Access Fee

(0.15%)

Projected return p.a. after all fees

2.5% to 2.7%

Highest yield

Ultra aims to provide the highest yield among the three Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.

Underlying funds

10% Fullerton Short Term Interest Rate Fund
10% LionGlobal Short Duration Fund
10% PIMCO Low Duration Income Fund
15% Fullerton SGD Cash Fund
20% LionGlobal SGD Enhanced Liquidity Fund
35% UOB United SGD Fund

Risk considerations

Suitable for mid-term cash needs and may result in the need to hold on for longer during periods of volatility to achieve higher yield.

Drawdowns can be sharper with a prolonged recovery period compared to Enhanced, although the maximum negative returns are expected to be in the low single digits. Negative months can occur when fixed income markets fall.

Historical max loss

-3.14%

Projected return p.a.
How is this range calculated?

3.02% to 3.22%

Fund-level Fees after Rebates

(0.28%)

Endowus Access Fee

(0.15%)

Projected return p.a. after all fees

2.6% to 2.8%

*Not guaranteed. Projected yields calculated as of 31 Aug 2025.

Comparing cash management funds, fixed deposits and T-bills

Capital Guarantee

No

Yes, by SDIC for first 100k per bank

No, but backed by sovereign rating

Yield Type

Floating; fluctuates when market rate changes

Fixed; depends on the bank

Auctioned; may be higher or lower than benchmark

Lock-up

No

Yes; may have penalty for early withdrawl

Can be sold, but with a spread

Duration

Less than 1 year

Months or years

6 months or 1 year

Application Time

Days

Days

Up to 14 days before auction + 3 days after auction

A newly established single-family office for a Southeast Asian family, predominantly invested in real estate across Southeast Asia, sought to adopt an institutional approach to preserve and grow their family wealth. They reached out to Endowus for assistance. We tailored a ~SG$5 million portfolio spanning public markets, private markets, and alternative investments, including private equity, hedge funds, and private credit, to help them diversify their portfolio effectively.

A charity with IPC status serving the youth community conducted a Request for Proposal (RPF) with fund and investment managers for a mandate of SGD $10 million. They required a mix of equity and fixed income funds, aiming for higher returns than fixed deposits. The Endowus Team advised them to invest in a mix of Cash Smart Secure and a customised equity/fixed income portfolio aligned with their risk appetite.

A small business owner contacted us to achieve higher returns than fixed deposit rates with greater flexibility. They were open to investing in low-risk, liquid money market fund solutions and were keen to explore short-duration bond funds. The Endowus team presented the suite of Endowus Cash Smart solutions. The owner decided to invest in a customised mix of cash management products.

Jackie Lee, CEO clickTrue Pte Ltd

Endowus offers personalised service for my corporate account at a low, transparent fee that my firm was not able to obtain through corporate banking accounts. I also get a wide range of investment tools that can be used for working capital management.

XXX, CFO, Charity YYY

My charity can obtain very low-risk money market funds for my short-term cash holdings with high liquidity. One of the key advantage of using Endowus is that the assets are safely custodised in my charity’s own legal name with UOB Kay Hian.

Non-profits and charities are eligible for a preferential rate.

YYY, CIO, Family Office

I have a wide variety of investment instruments, denominated and hedged in major currencies. I also have access to a dedicated advisor to service my account, which is what I struggle to get with private banks at my account size.

Low, fair fees

cash management solutions

0.15%* p.a.

Across all different currency solutions

advised portfolios

0.25%-0.6% p.a.

Based on net invested amount

CASHBACK ON TRAILER FEEs

100%

We rebate it all back to you

Connect with us to find out more about our Endowus Business Solutions

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Invest with the best.

We take the stewardship of your wealth very seriously. We implement a strict third party assurance framework rivalling that of global financial institutions to keep you and your money safe. Endowus is licensed by the MAS, and your assets are safely held in your own name at UOB Kay Hian, Singapore’s largest broker.