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In this edition of the Fund Digest, we are expanding our fund offerings beyond HKD and USD to include CAD, EUR, and GBP, providing greater flexibility in managing foreign currency holdings.
Aligning assets with future financial liabilities—like overseas tuition or property payments—helps mitigate exchange rate risks and enhances predictability. With zero-fee currency conversions, investors can efficiently allocate capital with Endowus. Check out the full list of funds for selection on Endowus Fund Smart.
CAD-denominated funds
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EUR-denominated funds
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GBP-denominated funds
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AUD-denominated funds (Coming soon)
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Managing currency exposure of your investment portfolios
At Endowus, we do not advocate taking directional currency bets, as attempting to predict foreign exchange movements introduces unnecessary risk.
A long-term study by Dimensional Fund Advisors analysing data from 1985 to 2019, confirms that monthly currency returns—whether for the Japanese yen or the British pound— “are largely unpredictable and not reliably different from zero on average”. So, trying to hedge based on forecasts doesn’t add value.
Therefore, currency selection for investments and hedging decisions should be driven by your financial goals and anticipated liabilities rather than speculative FX views. Proper alignment can enhance portfolio stability and safeguard purchasing power over time.
For Hong Kong-based investors who have HKD spending, debt obligations or other liabilities, they should consider matching assets (savings and investments) in HKD to minimise unnecessary FX exposure.
Conversely, if you have large or recurring expenses in foreign currencies, such as children’s overseas tuition or property mortgage abroad, you can consider aligning the investments with your anticipated spending to manage potential currency risk by matching assets and currencies to your future liabilities.
Read more: Managing and thinking about currency exposure for your portfolio
Start investing in foreign currencies on Endowus
Step 1: Log in to your Endowus account
Step 2: Click Explore to see these new options on our Fund Smart platform.
New to Endowus? Onboard in just a few minutes.
Note: Opt in as a Professional Investor (PI) to see the full list of funds, as some fund options are only available to PI.
Already invested in these funds? Transfer over to enjoy immediate cost savings
Transfer your fund holdings from your existing financial institutions onto Endowus, free of charge:
- Same funds, but save up to 50% on fees*
- Enjoy lower fund fees by gaining access to institutional share-class funds.
Submit your request by filling out this form.
Read more: Transfer your fund holdings seamlessly and save up to 50% or more on Endowus HK
Cannot find what you are looking for?
We are bringing more funds in these currencies onto the platform. If you are looking for anything specific, reach out to us at support.hk@endowus.com.
Getting started on Endowus Hong Kong
Click here to get started on your wealth journey with Endowus Hong Kong today.
For existing clients, you can verify as a Professional Investor by filling out this opt-in form to access these funds. You can also contact support.hk@endowus.com.
As your conflict-free financial advisor, Endowus remains committed to doing what is always in the best interest of our clients, and to helping you achieve better investing outcomes.
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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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