Getting Started
The wealth management experience you deserve.
Grow your wealth in four simple steps.
Getting to know you and your needs.
Take a few minutes to tell us about your goals, risk tolerance, and investment timeline, so that we can tailor our fund recommendation(s) to your personal circumstances.
Verify your identity.
In accordance with regulations, we’ll need to confirm your identity before opening an account for you. Your ID/passport and a deposit will be required at this stage (much like opening a bank account but entirely online).
Generate your curated list of funds.
Based on what you’ve indicated to us, we will recommend a list of fund(s) suitable for you. We also run thousands of simulations that show you how your portfolio can grow towards your goals.
Invest in your goals.
Time in the market beats timing the market. By funding your goals today, you can stay invested for the long term, and that is what it takes to outperform most investments.
Keeping you and your money secure.
A better future lies ahead, on your terms.
Based on your age, circumstances, goals, and the markets, your ideal asset allocation will change over time. We'll advise you on when the time is right to optimise your exposure for the best results.
Set up and manage monthly investments into your goals, or redeem money when you need it. There are no lock ups, and no withdrawal or penalty fees, so you can maintain flexibility with your money.
Want to
know more?
Endowus is Asia’s leading digital wealth platform. We help investors grow their money with expert advice and access to institutional financial solutions at low and fair fees, through a personalised digital wealth experience.
Endowus is an independent wealth advisor paid solely by its clients, we do not take commissions or trailer retrocessions typically paid to distributors by fund houses and thus our advice is unaffected by any conflicts of interest.
Endowus HK Limited is licensed (CE No. BQR225) by the Securities and Futures Commission of Hong Kong (SFC) for Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities.
Creating an account is easy and can be done entirely online in as fast as 10 minutes.
- Create an account here. We will ask you to provide some personal information to complete your onboarding.
- Complete the risk profile assessment. This is to ensure that we can offer you the most suitable investment solutions on our platform for your risk profile.
- Upload documents (i.e. HKID, passport) to verify your identity.
- Complete identity verification by making one single initial deposit of at least HK$10,000 from a Hong Kong bank account in your name (single name account only). This is required as per the Securities and Futures Commission (SFC) regulations. There are no lock-ups on our platform and you can withdraw the funds any time after onboarding.
If you don’t have a Hong Kong bank account or got stuck and need a little help, please contact us at support.hk@endowus.com.
It will take approximately 3-5 business days for us to process and open your Endowus account. Once it is opened, you will receive an email from us informing you that your Endowus account is ready for investing.
All your investments are held at the custodian accounts maintained by transfer agents of individual fund houses (e.g. Fidelity, Invesco etc.).
Your uninvested cash balances are held in a segregated client funds account at HSBC Hong Kong, regulated by the Hong Kong Monetary Authority.
Your money and assets are kept separately from the Endowus company assets as required by the Securities and Futures Commission of Hong Kong.
Your money and assets are kept separate from the Endowus company assets as required by the Securities and Futures Commission of Hong Kong.
All your investments are held at the custodian accounts maintained by the transfer agents of the individual fund houses (e.g. Fidelity, Invesco etc.). Your uninvested cash balances are kept in a segregated client funds account at HSBC Hong Kong, regulated by the Hong Kong Monetary Authority. These entities are regulated and have proper security measures to protect your assets.
Endowus puts our platform through a strict 3rd party assurance framework. This framework consists of regular penetration testing and continuous attack surface testing. Features such as Two-Factor Authentication (“2-FA”) and session timeout are also built with security in mind. Withdrawals from your Endowus account can only be made to your verified linked bank account in your name, after confirmation via 2-FA.
Your money and assets are kept separate from the Endowus company assets as required by the Securities and Futures Commission (SFC) of Hong Kong, hence we, Endowus, do not and cannot use clients’ money for our own use. Your money and assets are protected from creditors in the unlikely event that Endowus goes into liquidation.
In the unlikely event of a closure, Endowus will work with partner custodians, which hold clients’ money and assets, to ensure the orderly transfer of money and assets to other licensed financial institutions or the return of all money and assets to clients.
There is generally no lock-up period for the investments in your Endowus account, unless otherwise specified such as for certain alternative funds. You can withdraw investments partially/completely or close your account at any time (subject to the full payment of any outstanding settlements e.g. investments that are still in process, fees owed to Endowus).
