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Getting Started

The wealth management experience you deserve.

Through our proprietary SMART+ framework, the Endowus Investment Office screens for Best-In-Class Funds with proven track records across asset classes and strategies, to ensure that the best building blocks are in place to get you to your goals. These funds are also continuously monitored by our team of experts, with their performance shared on a transparent, regular basis. We do all the work, so you can invest better to live better.

Grow your wealth in four simple steps.

1.   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 recommendation(s) to your personal circumstances.
2.   Verifying your identity.
In accordance with regulations, we’ll need to confirm your identity before opening your account. Your ID/passport and a deposit will be required at this stage (much like opening a bank account but entirely online).
3.   Generating your curated list of funds.
Based on what you’ve indicated to us, we will recommend a list of fund(s) suitable for you.
4.   Investing in your goals.
Time in the market beats timing the market. By investing early, you can take advantage of compounding over the long term, and that is what it takes to outperform most investments.
  • 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.

Onboarding can be completed in just a few minutes, if you have all your documents ready.

Keeping you and your money secure.

We partner with HSBC, where all your deposits are kept in a HSBC Client Money Account. The funds here are then used for the sole purpose of growing your investments, and kept separate from Endowus at every step of the way.

A better future lies ahead, on your terms.

Lifecycle advice and adjustments.
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.
Recurring investments and redemptions on demand.
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?

What is Endowus and how does it work?

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.

How do I open an Endowus account?

Creating an account is easy and can be done entirely online in as fast as 10 minutes.

  1. Create an account  here. We will ask you to provide some personal information to complete your onboarding.
  2. 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.
  3. Upload documents (i.e. HKID, passport) to verify your identity. 
  4. 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.

Where are my assets held in custody?

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.

What safeguards does Endowus have in place to ensure that my assets are protected from fraud?

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.

What happens to my money and assets if Endowus closes?

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.

Is there a lock-up on my investments?

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).

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