Invest your way with Endowus.
Curated by experts, designed for you. With Endowus Fund Smart, you can access 200+ top-tier funds from world-class fund managers curated by our Investment Office. You can also choose to invest in model portfolios uniquely designed for your various investment needs or customise your own portfolios at a click of a button.
Explore top-tier funds or use them to build your own portfolio
Explore model portfolios by our Investment Office
Access private markets & alternatives
Core portfolios for your essential life needs and financial goals.
These are model portfolios that can form the basis of your core asset allocation, for goals including long-term general wealth accumulation, short-term liquidity management, and passive income for regular cash flow needs.
Satellite portfolios to gain exposure to select market opportunities.
Take advantage of optimised, Best-in-Class model portfolios designed by Endowus to target specific regions, themes, asset classes, and megatrends.
Sustainability - Equities
All your wealth on one platform.
We’re proud to be the Singapore’s first digital advisor for CPF. We are here to help you be holistically invested for your future.
Private wealth & family offices
Personalised services and exclusive products for private clients investing US$1M+ with Endowus.
Treasury management and institutional advisory services for charities, foundations, corporations, and more.
Empowering employers and employees through financial education and exclusive benefits on Endowus fees.
How we invest
An expert investment experience for all of us
Backed by the research of Nobel Laureate academics, we advocate broadly diversified, passive and systematic strategies that have global market exposure with tilts towards the proven factors of returns such as value, size, and profitability.
Endowus charges no sales fees or transaction fees. We also give 100% Cashback on all trailer fees we receive, whereas most financial institutions will charge you these fees or keep them for themselves. This way, we can provide you access to the best investment opportunities at a fraction of the industry average.
“The expense ratio is the most proven predictor of future fund returns.”
We implement our portfolios by accessing leading global fund managers with the expertise, scale and real, proven track records in implementing their strategies successfully over time. We access their Best-in-Class Funds at the lowest cost possible, so you grow your money like the best investors in the world.
Maximise returns by minimising cost: Removing the single biggest drag to portfolio performance over time
Enduring belief in power of markets: Taking broad market exposure through the wisdom of crowds to capture the best long-term performance
Time in markets vs market timing: Giving the long-term investor the highest chance of success in reaching their financial goals
Asset allocation is everything: Setting up an appropriate, intelligent asset allocation strategy is the most important driver of long-term returns
Strive for the efficient frontier: Generating the highest possible expected return for every level of risk taken
Diversification improves risk-return: Having broad exposure across diverse assets whose correlation characteristics reduce risk without sacrificing returns
Optimise based on personal risk tolerance: Customising personal portfolios is essential as there is no one size fits all in investing
Know your limitations: Partnering with experts and leading global institutions to access best in class financial solutions to achieve your goals
Low, fair fees
Our Investment Office has designed the asset allocation, selected the funds, and optimised the fund allocation of our Endowus model portfolios.
The Endowus Global model portfolios are globally diversified and optimised for each level of risk (6 for you to select from). We believe that they should form the core allocation of your investment portfolio for the long-term.
We advise using Satellite portfolios as a way to complement your existing core investments. If there is additional exposure to certain asset classes, geographies, sectors, themes or factors, outside of our Satellite portfolios, you can also select to subscribe for additional thematic funds or DIY portfolios via Fund Smart.
If you are holding certain funds on other platforms, you can also choose to replicate this exposure on Fund Smart. It is likely that by getting access to institutional share classes and/or receiving 100% trailer fee rebates from the same funds, you will be able to lower your investment cost significantly.
We also have a suite of three Passive Income model portfolios designed to meet your real-world needs for different types of passive income. Whether you prefer stable payouts, higher payouts, or higher capital appreciation, we balance higher-yielding assets and higher-quality assets to meet your unique income and wealth accumulation needs.
The Endowus Cash Management model portfolios consist mainly of money market funds (MMFs) and/or short-duration fixed-income funds (unit trusts). They are designed to deliver relatively stable returns as compared to other fixed-income portfolios of longer durations and maturities. Nevertheless, there are risks in investing in these portfolios, and they are not capital-guaranteed.
We recognise that everyone is different and will have varying needs, personal circumstances, goals, and views that may require different levels of customisation. Therefore, one option is to use the Endowus model portfolios as a base; you can easily tweak the allocations to your liking.
Alternatively, on the Fund Smart platform, you can also choose to build your own multi-fund portfolios from scratch, using the Best-in-Class funds curated by the Endowus Investment Office.
A core-satellite investment strategy is where an investor splits his capital allocation between a portfolio that serves as a foundation for his general wealth accumulation goals, and a conviction-based portfolio that is more focused and riskier. Usually, investors considering this strategy would use a diversified, broad market exposure portfolio such as our Global model portfolios as this is designed to give the highest probability of success, for their core allocation. This can then be supplemented by our Satellite portfolios that are more narrowly focused on specific assets, regions, sectors or themes.
Investing in a thematic or sector focused satellite portfolio on its own could potentially be riskier as it is less diversified. However, when used as a supplement to a core portfolio, the overall risk to their wealth accumulation goals can be balanced out while also providing the investor with the exposure to the asset, region, sector or theme that can potentially generate larger returns over the long-term from the secular trends or growth opportunities.
For most investors, the Endowus core portfolios - Global model portfolios and Factors model portfolios by Dimensional Fund Advisors (for Professional Investors only), are designed to be efficient broad market investment portfolios for general wealth accumulation needs. Built on the back of empirical data and academic research, the core portfolios are suitable as the backbone of an investor’s overall investment strategy.
The satellite portfolios are designed to provide additional best-in-class exposure to specific assets, regions, sectors or themes. These are suitable for investors seeking to complement their existing broad market investments with a further focused allocation to express individual views on long-term growth opportunities.
You may think about your portfolio needs by thinking of three main factors:
- Risk Tolerance
Essentially, you are asking yourself, “What do I want this money to do?”. Do you want this bucket of money to grow passively over a period of time for retirement? Or perhaps you’re hoping to establish a steady source of income with this money? Your answers to these questions serve as the foundation upon which you can build an investment portfolio.
You need to assess “How much risk are you willing to take?”. Can you stomach your stock investment portfolio going down by over 40% in a crisis and stay the course? If not, you probably should not be invested in 100% stocks, and need a balanced portfolio of diversified stocks and bonds.
The question “how long can I keep this money invested?” is an easy but helpful one. This would also help determine your risk appetite for this bucket of money as well as the type of portfolio that is suitable for it.
Once you’ve worked through these 3 starting questions, head over to https://endowus.com/en-hk/how-we-invest and pick a portfolio most suited to your needs.