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Endowus HK IncomeUp - Frequently Asked Questions(FAQ)

Endowus IncomeUp Portfolios

Passive income solution tailored for every stage of life. Target monthly payouts of up to 7.5% p.a.*
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 IncomeUp Portfolio

key features

Target income payouts according to your needs

I HAVE A PAYOUT TARGET OF

IncomeUp — Steady

This fixed income model portfolio consists of diversified investments in government, investment grade, and high yield bonds. Generally suited for investors looking for stable and dependable monthly payouts while aiming to preserve capital.
underlying funds
  • 30.0%

    PIMCO GIS Income Fund
  • 17.0%

    JP Morgan AM Income Fund
  • 16.0%

    Neuberger Berman Strategic Income Fund
  • 12.0%

    AllianceBernstein American Income Portfolio Fund
  • 10.0%

    Neuberger Berman Short Duration Emerging Market Debt Fund
  • 8.0%

    Fidelity Asian Bond Fund
  • 7.0%

    Pinebridge Asia Pacific Investment Grade Bond Fund
Click to expand
Portfolio risk rating: 2
Stable and dependable monthly payouts
Generate reliable passive income to cover regular expenses.
Lower risk to preserve your capital
Only take necessary risk from fixed income to increase the chance of capital preservation.
Current target payout p.a.
5.0% to 6.0%
Note: Portfolio composition percentages might not add up to 100% due to rounding.

IncomeUp — Plus

This relatively aggressive fixed income model portfolio provides exposure to multiple fixed income sectors, including high yield bonds. Generally suited investors who are willing to take on higher risk in fixed income, to achieve a higher level of monthly payouts.
underlying funds
  • 25.0%

    PIMCO GIS Income Fund
  • 20.0%

    Barings Global High Yield Bond Fund
  • 15.0%

    Neuberger Berman Short Duration Emerging Market Debt Fund
  • 10.0%

    AllianceBernstein American Income Portfolio Fund
  • 10.0%

    Barings Global Senior Secured Bond Fund
  • 10.0%

    JP Morgan AM Income Fund
  • 10.0%

    Neuberger Berman Strategic Income Fund
Click to expand
Portfolio risk rating: 3
Higher, sustainable cash inflow
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
Higher risk for higher payout
Take slightly higher risk to achieve higher current payout target with limited to no capital appreciation.
Current target payout p.a.
6.5% to 7.5%
Note: Portfolio composition percentages might not add up to 100% due to rounding.

IncomeUp — Growth

This measured multi-asset model portfolio has a 60% allocation to the fixed income market, and 40% allocation to the equities market. This portfolio is riskier than IncomeUp - Steady and Income - Plus portfolios. Generally suited for investors looking for monthly payouts, while growing their capital in the long term.
underlying funds
  • 18.0%

    PIMCO GIS Income Fund
  • 10.0%

    AllianceBernstein Low Volatility Equity Portfolio Fund
  • 10.0%

    Invesco Global Equity Income Advantage Fund
  • 10.0%

    JP Mogan AM Income Fund
  • 10.0%

    Neuberger Berman Strategic Income Fund
  • 8.0%

    Capital Group New Perspective Fund
  • 7.0%

    AllianceBernstein American Income Portfolio Fund
  • 6.0%

    Neuberger Berman Short Duration Emerging Market Debt Fund
  • 6.0%

    Pinebridge US Large Cap Research Enhanced Fund
  • 6.0%

    Schroders Global Emerging Markets Opportunitues Fund
  • 5.0%

    Fidelity Asian Bond Fund
  • 4.0%

    Pinebridge Asia Pacific Investment Grade Bond Fund
Click to expand
Portfolio risk rating: 4
Balance of payouts and growth
Balance your current income with long-term growth.
Higher capital growth to increase future payout
Take higher risk to grow your future wealth with an allocation to global equities.
Current target payout p.a.
4.0% to 5.0%
Note: Portfolio composition percentages might not add up to 100% due to rounding.

IncomeUp — Steady

Stable and dependable monthly payouts
Generate reliable passive income to cover regular expenses.
Lower risk to preserve your capital
Only take necessary risk from fixed income to increase the chance of capital preservation.
Current target payout p.a.
5.0% to 6.0%
Note: Portfolio composition percentages might not add up to 100% due to rounding.
Show underlying funds

IncomeUp — Plus

Higher, sustainable cash inflow
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
Higher risk for higher payout
Take slightly higher risk to achieve higher current payout target with limited to no capital appreciation.
Current target payout p.a.
6.5% to 7.5%
Note: Portfolio composition percentages might not add up to 100% due to rounding.
Show underlying funds

IncomeUp — Growth

Balance of payouts and growth
Balance your current income with long-term growth
Higher capital growth to increase future payout
Take higher risk to grow your future wealth with an allocation to global equities.
Current target payout p.a.
4.0% to 5.0%
Note: Portfolio composition percentages might not add up to 100% due to rounding.
Show underlying funds
*Target Payout: The term "Target Payout" refers to the projected annual cash payout amount as a percentage of the investment portfolio's net asset value. This estimation is based on a formula by the Endowus Investment Office, leveraging a comprehensive assessment of historical and anticipated payouts associated with the underlying funds. This projection does not include Cashback on Trailer Commissions and Endowus Fee. It is crucial to emphasise that while fund-level fees have an influence on the overall performance of the portfolio, they do not directly impact the Target Payout projection. Instead, these fees are factored into the assessment of the portfolio's total return, which includes both payouts and changes in price/net asset value of the underlying funds.

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 31 Mar 2025. Fund allocation percentages are for reference only and will be subject to adjustments due to market circumstances.

Finding the right IncomeUp portfolio for you.

Objective
Current payout target (p.a.)
Who is it for?
How to use it?
Asset allocation
Average Product Risk Rating
IncomeUp - Steady
IncomeUp - Plus
IncomeUp - Growth
A conservative portfolio focused on stability while aiming to preserve capital
A relatively aggressive portfolio focused on higher level of monthly payouts
A measured portfolio with dual objective of monthly payouts and long-term capital growth
5.0% to 6.0%
6.5% to 7.5%
4.0% to 5.0%
Retirees or those who want a regular passive income stream
Working adults or those who want a higher level of payouts to cover expenses
Younger adults or those who want and benefit from both passive income and capital growth
For regular income to meet expenses reliably and supplement annuity or pension payouts
To meet bigger regular expenses such as mortgage, rental or kids education
Benefit for some regular income to offset expenses today and focus on building wealth over the long term
100% fixed income
100% fixed income
60% fixed income, 40% equities
2
3
4

Why invest with Endowus?

Lower fees means
higher returns

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

Lower fees means higher returns

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

Invest like the
experts

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

Invest like the experts

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

Want to
know more?

How do you calculate the current payout target of the Endowus IncomeUp model portfolios?
When will I receive payouts from my distributing funds?
What is the asset allocation of each IncomeUp model portfolio?
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