Endowus IncomeUp Portfolios
Passive income solution tailored for every stage of life. Target monthly payouts of up to 7.5% p.a.*
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Securities and Futures Commission of Hong Kong (SFC)
CE NO. bqr225
CE NO. bqr225
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Overview of the IncomeUp Portfolio
key features
All-weather approach with globally diversified, multi-manager strategy
Efficient asset allocation for achievable target distribution
Designed to meet income and growth needs at different life stages
Diversified and optimised for risk-adjusted returns
Top-down, strategic passive asset allocation (SPAA) that put your goal first
Bottom-up, carefully selected funds at low cost
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 Fund17.0%
JP Morgan AM Income Fund16.0%
Neuberger Berman Strategic Income Fund12.0%
AllianceBernstein American Income Portfolio Fund10.0%
Neuberger Berman Short Duration Emerging Market Debt Fund8.0%
Fidelity Asian Bond Fund7.0%
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.
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.
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 Fund20.0%
Barings Global High Yield Bond Fund15.0%
Neuberger Berman Short Duration Emerging Market Debt Fund10.0%
AllianceBernstein American Income Portfolio Fund10.0%
Barings Global Senior Secured Bond Fund10.0%
JP Morgan AM Income Fund10.0%
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.
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.
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 Fund10.0%
AllianceBernstein Low Volatility Equity Portfolio Fund10.0%
Fidelity Asian Bond Fund10.0%
Invesco Global Equity Income Advantage Fund10.0%
JP Mogan AM Income Fund10.0%
Neuberger Berman Strategic Income Fund8.0%
Capital Group New Perspective Fund7.0%
AllianceBernstein American Income Portfolio Fund6.0%
Neuberger Berman Short Duration Emerging Market Debt Fund6.0%
Pinebridge US Large Cap Research Enhanced Fund6.0%
Schroders Global Emerging Markets Opportunitues Fund4.0%
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.
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.
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.
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.
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
Hide underlying funds
IncomeUp — Plus
Higher, sustainable cash inflow
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
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.
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
Hide underlying funds
IncomeUp — Growth
Balance of payouts and growth
Balance your current income with long-term 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.
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
Hide 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 Oct 2024. Fund allocation percentages are for reference only and will be subject to adjustments due to market circumstances.
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 Oct 2024. 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.
The less you pay, the more you get to keep – it’s simply math
- Fund fees through Endowus is up to 60% cheaper than industry average as we work with fund managers to access institutional share-class and introduce an industry-first practice of rebating 100% Cashback on trailer commissions to our clients.
- Enjoy zero subscription fee and pay only an all-in fee from as low as 0.10% to 0.60% p.a.
- No lock-ups, no transaction fees and lower minimums mean you get to invest at your own terms.
Lower fees means higher returns
Enjoy 0% subscription fees and 100% Cashback on trailer commissions.
The less you pay, the more you get to keep – it’s simply math
- Fund fees through Endowus is up to 60% cheaper than industry average as we work with fund managers to access institutional share-class and introduce an industry-first practice of rebating 100% Cashback on trailer commissions to our clients.
- Enjoy zero subscription fee and pay only an all-in fee from as low as 0.10% to 0.60% p.a.
- No lock-ups, no transaction fees and lower minimums mean you get to invest at your own terms.
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Invest like the
experts
Get access to institutional share class funds of leading global fund managers.
Expert investing, for everyone.
- Invest in 300+ top-tier funds from world-class fund managers curated by our Investment Office, with unique access to institutional share class.
- Customise your portfolio according to your needs at a click of a button.
- Professional Investors (PIs) can access private markets and hedge funds such as KKR, Carlyle, Partners Group and more to complement your portfolio.
Invest like the experts
Get access to institutional share class funds of leading global fund managers.
Expert investing, for everyone.
- Invest in 200+ top-tier funds from world-class fund managers curated by our Investment Office, with unique access to institutional share class.
- Customise your portfolio according to your needs at a click of a button.
- Professional Investors (PIs) can access private markets and hedge funds such as KKR, Carlyle, Partners Group and more to complement your portfolio.
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