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Looking for an off-the-shelf solution that invests in a diversified income portfolio with exposure to different asset classes beyond investing in only either equities or bonds? Multi-asset funds might just be the solution for you.
Learn more about the Best-In-Class income multi-asset funds on the Endowus Hong Kong Fund Smart platform which were selected for their ability to deliver income in various market conditions to investors while maintaining diversification in asset classes.
Multi-asset funds
Allianz Income and Growth
ISIN: LU0820561818 (USD), LU0820561909 (HKD)
The fund aims at long-term capital growth and income by investing in North America corporate debt securities and equities. Multi asset approach that allows income and growth through a combination of high yield bonds, convertibles and large cap equities.
The fund gives access to investors to an alternative income offering compared to pure fixed income or equity solutions. The combination of high-yield bonds, convertible bonds and equities provides investors with a multi-asset strategy focusing on income generation while also offering some potential capital appreciation upside. Investors should note the fund invests primarily into the US market, with underlying fixed income exposures that have high equity sensitivity.
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Franklin Income Fund
ISIN: LU0098860793 (USD), LU1929549753 (HKD)
The fund utilises a multi-asset approach that allows for some capital appreciation while focusing on income generation through a combination of bonds (mostly high yield), US large cap equities, and equity-related securities (convertibles and equity-linked notes).
The fund’s emphasis on value-oriented securities and high yield fixed income offers a differentiated approach for investors looking for a multi-asset income strategy with little exposure to REITs or covered calls. The strategy has shown good upside capture while demonstrating its resilience in down markets like 2022 and 2011. Tactical shifts between fixed income and equity have been a key driver of the funds performance.
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Goldman Sachs Global Multi-Asset Income Portfolio
ISIN: LU1038298870 (USD), LU2011196776 (HKD)
The fund utilises a multi-asset approach that allows for some capital appreciation while focusing on income generation through a combination of bonds, large cap equities and covered calls. The asset allocation team defines the reference benchmark for each team and determines each sleeve allocation. The team also monitors the portfolio’s overall duration and each team’s tracking error to the benchmark they have set for that asset class.
Provides access to diversified income ideas generated by experienced teams at Goldman Sachs Asset Management: Fundamental Equity, Fixed Income and Quantitative Investment (Options writing). One competitive advantage of this fund is that a significant portion of the strategy’s income is derived from its options writing component. The covered call premiums is a sustainable source of income that leverages Goldman Sachs’ trading expertise.
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Funds for Professional Investors (PIs) only
We also offer a broad selection of institutional-grade PI-only mutual funds, hedge funds and private markets across private equity, private credit, absolute return multi-strategy hedge funds.
If you wish to verify as a Professional Investor to access these funds, please contact support.hk@endowus.com.
Customise your portfolio in minutes with Fund Smart
Whether you aim to invest in money market funds to gain a relatively stable payout or invest in high-yield funds to pursue potential capital appreciation actively, there’s something for everyone at Endowus. Want to know more about the funds available on our Fund Smart platform? Refer to our investment funds list here for a quick overview at a single glance.
If you want to invest in a more efficient and easy way, take a look at our Endowus model portfolios, using our Best-In-Class Funds as building blocks for various investor needs from short-term cash management, core global portfolios, income portfolios to satellite portfolios for sectors, geographies, and themes. Investors can use these pre-populated templates as a starting point for their portfolios; they can take the template as it is, or make changes to suit their preferences and needs.
Customise your ideal investment portfolio in minutes with Fund Smart. The Endowus Fee for Cash Management via Fund Smart is 0.1% p.a., and for General Strategies starts from 0.25%, reinforcing our commitment to reduce the cost of investing, which is one-third of the industry average in Hong Kong.
Not sure how to invest with Fund Smart? Find out everything you need to know in our FAQs.
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*Annualised returns are calculated based on the returns of the target share class, and the oldest share class of the fund where the target share class is younger than three years. Three-year returns are based on the period from Dec 2020 to Dec 2023, and five-year returns are based on the period from Dec 2018 to Dec 2023 unless otherwise stated. Returns are translated into USD (except for non-USD funds) and are net of fund-level fees.
**Where a fund or portfolio has both HKD and USD share classes, the fees of the USD share class are shown. Total portfolio and fund-level fees include fund total fund-level fees.
***Endowus does not charge subscription, redemption fees or other additional fees, other than all-in Endowus Fee.
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Risk Warnings
Investment involves risk. Past performance is not an indicator nor a guarantee of future performance or returns. Projected performance or returns is not guaranteed to materialise. The value of investments and the income from them can go down as well as up, and you may not get the full amount you invested.
Rates of exchange may cause the value of investments to go up or down. Individual stock performance does not represent the return of a fund.
General risk warnings relating to collective investment schemes
Before making an investment decision, you are reminded to refer to the relevant prospectus/ offering document for specific risk considerations and related fees and charges.
Funds are not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested.
Some of the funds also involve derivatives. Do not invest in them unless you fully understand and are willing to assume the risks associated with them.
Opinions
Any forward-looking statements, prediction, projection or forecast on the economy, stock market, bond market or economic trends of the markets contained in this material are subject to market influences and contingent upon matters outside the control of Endowus HK Limited (“Endowus”) and therefore may not be realised in the future. Further, any opinion or estimate is made on a general basis and subject to change without notice. In presenting the information above, none of Endowus HK Limited, its affiliates, directors, employees, representatives or agents have given any consideration to, nor have made any investigation of the objective, financial situation or particular need of any user, reader, any specific person or group of persons. Therefore, no representation is made as to the completeness and adequacy of the information to make an informed decision. You should carefully consider (i) whether any investment views and products/ services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.
No invitation or solicitation
Nothing contained [in this article] should be construed as a solicitation, an offer to buy or sale, or recommendation, to acquire or dispose of any security, commodity, investment or to engage in any other transaction in any jurisdiction in which such solicitation, offer to buy or sale would be unlawful under the securities laws in such jurisdiction. No information included [on this website/ in this article] is to be construed as investment advice or as a recommendation or a representation about the suitability or appropriateness of any advisory product or service; or an offer to buy or sell, or the solicitation of an offer to buy or sell, any security, financial product, or instrument; or to participate in any particular trading strategy. Investors should seek independent financial and tax advice before making any investment decision.
Product Risk Rating: Please note that any product risk rating (the “PRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. The PRR is subject to change from time to time. The PRR does not take into account your individual circumstances, objectives or needs and should not be regarded as advice or recommendation to purchase, hold or sell any fund or make any other investment decisions. Accordingly, you should not solely rely on the PRR in making your investment decision in the relevant Fund.
Complex Products
Some of the funds contained in this article are complex products and investors should exercise caution when investing in these products. Though these products have been authorised by the SFC, authorization does not imply official recommendation. SFC authorization is not a recommendation or endorsement of a product nor does it guarantee the commercial merits of a product or its performance.
This advertisement has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.
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