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Endowus HK Flagship Portfolios - Frequently Asked Questions(FAQ)
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Flagship

Endowus Flagship Portfolios

Access globally diversified investment plans tailored for varying risk profiles. Built on institutional-grade technology with world-class fund strategies, and managed by investment experts at low, fair fees
Available in
USD
Licensed & regulated by
Securities and Futures Commission of Hong Kong (SFC)
CE NO. bqr225
Awarded
Best Digital Wealth Management Experience
The Asset Triple A Digital Awards and
Asia Asset Management Best of the Best Awards

Overview of the Endowus Flagship Portfolios

key features
Intelligent portfolio optimisation through Discretionary Portfolio Management (DPM)
With decades of investing experience, the Investment Office oversees portfolio construction, from curating the building blocks made of top-tier global ...
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Access to Best-In-Class funds from world-renowned investment managers
Gain access to as many as 10,000 global securities in a single portfolio, curated by world-class asset managers across Best-in-Class fund strategies by Amundi ...
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One-stop solution to globally diversified portfolios
Designed not only to be well-diversified across sector allocation, geographies and market capitalisations, our portfolios are tailored individually to varying risk ...
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Diversified and optimised for risk-adjusted returns
Top-down, strategic passive asset allocation (SPAA) that put your goal first
Bottom-up, carefully selected funds at low cost

Evidence-based investing strategy for long term growth

Very Aggressive
100 | 0
Aggressive
80 | 20
Balanced
60 | 40
Measured
40 | 60
Conservative
20 | 80
Very Conservative
0 | 100

100% Equities | 0% Fixed Income

Annualised returns
5 years
12.02%
Annualised volatility
5 years
17.5%
A very aggressive model portfolio designed to compound returns over the long term and achieve higher average expected returns, through investing primarily in a globally diversified portfolio of equities.

This portfolio can serve as a core component of an investor’s equity allocation, and is suitable for longer term goals that can withstand periods of significant volatility.

80% Equities | 20% Fixed Income

Annualised returns
5 years
9.99%
Annualised volatility
5 years
14.96%
An aggressive model portfolio designed to compound returns over time and achieve higher expected returns, through investing in a globally diversified portfolio with an 80% equity and 20% bond allocation.

This portfolio can serve as a core component of an investor's portfolio, and is suitable for longer term goals that can withstand periods of volatility.

60% Equities | 40% Fixed Income

Annualised returns
5 years
7.91%
Annualised volatility
5 years
12.47%
A balanced model portfolio designed to achieve higher risk-adjusted returns, through investing in a globally diversified portfolio with a 60% equity and 40% bond allocation.

This portfolio can serve as a core component of an investor's portfolio, and is suitable for mid to long-term goals by withstanding moderate market volatility.

40% Equities | 60% Fixed Income

Annualised returns
5 years
5.8%
Annualised volatility
5 years
10.07%
A measured model portfolio designed to achieve higher risk-adjusted returns, through investing in a globally diversified portfolio with a 40% equity and 60% bond allocation.

This portfolio can serve as a core component of an investor's portfolio, and is suitable for mid to long-term goals by withstanding moderate market volatility.

20% Equities | 80% Fixed Income

Annualised returns
5 years
3.65%
Annualised volatility
5 years
7.83%
A conservative model portfolio designed to achieve strong long-term risk-adjusted returns through investing in a globally diversified portfolio with a predominant 80% bond allocation.

This portfolio can serve as a core component of an investor's bond allocation, and is suitable for mid-term goals by withstanding lower market volatility.

0% Equities | 100% Fixed Income

Annualised returns
5 years
1.47%
Annualised volatility
5 years
5.94%
A very conservative model portfolio designed to preserve capital through investing in a globally diversified portfolio of bonds.

This portfolio can serve as a core component of an investor's bond allocation, and is suitable for mid-term goals by withstanding lower market volatility.
Portfolio Product Risk Rating: Please note that any portfolio product risk rating (the “PoRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. For model portfolios, the portfolio PoRR is a weighted average product risk rating of funds included in the model portfolio rounding to the nearest integer. The PoRR is subject to change from time to time. The PoRR 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 PoRR when making your investment decision in the relevant Portfolio.

Last updated 30 Sep 2024. Fund allocation percentages are for reference only and will be subject to adjustments due to market circumstances. All performance data are based on back testing of historical data.

Why invest in Endowus Flagship Portfolios?

Science over speculation —
evidence-based investing

Based on research of Nobel Laureates, we advocate broadly diversified, passive and systematic, time-tested strategies to grow your long-term wealth.

Global diversification

The Endowus Flagship Portfolios consists of nearly 10,000 global companies, broadening diversification to improve  overall risk and potentially achieve more consistent long-term returns.

We do the work,
so you don’t have to.

Our investment office screened the fund universe to curate a stellar list of leading global fund managers with the expertise, scale and track records—at low, fair fees.

Intelligent portfolio
monitoring

Rest assured as our Investment Office ensures that your portfolios are constantly monitored, and optimised for the highest risk-adjusted returns to meet your investment objectives.

Low, fair fees

ENDOWUS fee (P.a.)
‍
0.1-0.6%
You can enjoy up to 50% savings compared to other industry offerings
sales fees
‍
0%
No hidden fees, ever
CASHBACK ON TRAILER FEEs
100%
We rebate it all back to you
learn more about fees

What makes Endowus different?

Lower fees means
higher returns

Enjoy Zero subscription fees and 100% Cashback on trailer commissions.

The less you pay, the more you get to keep – it’s simply math

  • Fund fees through Endowus is up to 60% cheaper than industry average as we work with fund managers to access institutional share-class and introduce an industry-first practice of rebating 100% Cashback on trailer commissions to our clients.
  • Enjoy zero subscription fee and pay only an all-in fee from as low as 0.10% to 0.60% p.a.
  • No lock-ups, no transaction fees and lower minimums mean you get to invest at your own terms.

Lower fees means higher returns

Enjoy 0% subscription fees and 100% Cashback on trailer commissions.

The less you pay, the more you get to keep – it’s simply math

  • Fund fees through Endowus is up to 60% cheaper than industry average as we work with fund managers to access institutional share-class and introduce an industry-first practice of rebating 100% Cashback on trailer commissions to our clients.
  • Enjoy zero subscription fee and pay only an all-in fee from as low as 0.10% to 0.60% p.a.
  • No lock-ups, no transaction fees and lower minimums mean you get to invest at your own terms.

Invest like the
experts

Get access to institutional share class funds of leading global fund managers.

Expert investing, for everyone.

  • Invest in 300+ top-tier funds from world-class fund managers curated by our Investment Office, with unique access to institutional share class.
  • Customise your portfolio according to your needs at a click of a button.

  • Professional Investors (PIs) can access private markets and hedge funds such as KKR, Carlyle, Partners Group and more to complement your portfolio.

Invest like the experts

Get access to institutional share class funds of leading global fund managers.

Expert investing, for everyone.

  • Invest in 200+ top-tier funds from world-class fund managers curated by our Investment Office, with unique access to institutional share class.
  • Customise your portfolio according to your needs at a click of a button.

  • Professional Investors (PIs) can access private markets and hedge funds such as KKR, Carlyle, Partners Group and more to complement your portfolio.

More on this topic

How your money and assets are kept safe and secured when investing through Endowus Hong Kong

Find out how Endowus keeps your money and assets safe and secured.

Endowus IncomeUp Portfolios: Earn passive income of up to 7.5% p.a.*

Join us in the upcoming live interactive webinar to learn about the all-new Endowus IncomeUp Portfolios and why a bond-focused portfolio is essential to your evolving income needs as you move into various life stages.

How to invest for passive income in Hong Kong

Learn about what income investing is, the different ways in which Hong Kongers can earn passive income, and the benefits and risks.

Want to
know more?

Which Flagship Portfolio is suited for me?

The Endowus Flagship Portfolios provide six diverse asset allocation portfolios with varying mixes of equities and fixed income. Each portfolio is designed to cater to different risk tolerances and associated return expectations. This ensures that you can align your risk preferences with your investment objectives.

Flagship Portfolio Global - 100/0
(100% Equity)		 Global - 80/20
(80% Equity, 20% Fixed Income)		 Global - 60/40
(60% Equity, 40% Fixed Income)		 Global - 40/60
(40% Equity, 60% Fixed Income)		 Global - 20/80
(20% Equity, 80% Fixed Income)		 Global - 0/100
(100% Fixed Income)
Risk rating 5 5 4 4 3 2
Description Very aggressive portfolio designed for longer-term goals Aggressive portfolio designed for longer-term goals Moderate risk portfolio designed for mid to long -term goals by withstanding moderate market volatility Measured portfolio designed for mid to long-term goals by withstanding moderate market volatility Conservative portfolio designed for mid-term goals by withstanding lower market volatility Very conservative portfolio designed for short to mid-term goals. Target for capital preservation and lower volatility  in returns

Source: Endowus Research. Note: The portfolio risk rating is the average product risk rating (PRR) of all underlying funds rounded to the nearest integer.

We have designed Endowus to be a goal-based investing platform, where you can invest towards your personal life goals, such as saving for children's education, retirement. When you invest with a defined purpose of achieving a certain goal, you can better identify how much you need to invest, the right investment strategy, and the appropriate level of risk to take to get you there. 

At Endowus, we want to help you succeed, which is why we prioritise matching you with a portfolio whose volatility or short-term loss is within your personal stated limit. Our platform will recommend the portfolio with the highest expected return for your stated risk tolerance. 

By investing in a risk-appropriate portfolio, investors are much more likely to stay the course through the near-term ups and downs – giving you the highest chance of reaching your investment goals.

What is Discretionary Portfolio Management?

Discretionary Portfolio Management (DPM) is an investment management service where the portfolio manager has the authority to make buy-and-sell decisions on behalf of the client’s account. This approach allows for a strategic, long-term investment plan that aligns with the client’s investment goals and risk tolerance.

In the context of Endowus Flagship Portfolios, the DPM model is employed to provide you with a seamless and efficient investment experience. 

The Endowus Investment Office performs all the heavy lifting, from portfolio construction to executing transactions, freeing you from the need to monitor the market constantly.

How does Discretionary Portfolio Change (DPC) work?

You will receive an email informing you of the portfolio change. No action is required as we will directly change the funds for you.

We would first redeem the funds which are now either removed from the portfolio or overweight to the new target asset allocation. We will then wait for the redemption proceeds to settle back into your account, and then automatically invest the proceeds into the funds that are newly added to bring your portfolio to the new target asset allocation. As part of the Endowus automated portfolio rebalancing process, we will also take the opportunity to rebalance your portfolio back to its target asset allocation. 

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