Investing 101 with Endowus

A step-by-step guide to

kickstarting your investing journey

learn about
Basics of Investing
wealth building
personal finance
retirement
cpf & srs
Women & Investing

Basics of Investing

Learn how markets work and other investment fundamentals
why should we invest - thinking man
Insights
Why should we invest?
Investing is not as painful as it seems — it can be accessible, simple, fair, and come with low costs. Here are three reasons why you should begin your investment journey early.
poker cards - are gambling and investing similar?
Insights
Investing is not gambling
Are you an investor or a market speculator? Here are the differences between the two and how to avoid gambling with your money.
reading books - dictionary of investing terms
Insights
An investing glossary
What’s a dividend, index, or unit trust? To start investing with peace of mind, pick up these handy definitions of common investing terms.
stairs - taking the first step in investing
Insights
What are equities?
Understand how shares are created for trading, why you should invest in stocks, and what makes a good equity investment.
golden ratio - financial PE, PB ratios
Insights
How is a stock valued?
Financial ratios are helpful metrics to analyse a stock investment. Learn about the commonly used price-to-earnings (P/E) and price-to-book (P/B) ratios.
nyse stock exchange index
Shengshi Chiam
What is index investing?
Long-term investors need to decide whether they’re comfortable with the risk and exposure from index funds. Here are three things to know about an equity index.
view all

Wealth Building

Discover investment strategies to grow your wealth
yoga - peace of mind with passive investing
Insights
The power of passive investing
A passive approach can take the stress out of investing. Learn why it is often preferred to active investing.
chess strategy - portfolio allocation
Insights
Building a classic investment portfolio
How should you construct your first investment portfolio? Consider the classic 60/40 strategy, with 60% in stocks and 40% in bonds.
library with different stairs and paths - asset allocation
Insights
What is a core-satellite strategy?
Can’t decide between tactical and strategic investing? Building a core-satellite portfolio lets you have the best of both worlds.
core and satellite investment portfolios
Samuel Rhee
Learn about Endowus core-satellite strategy
With Endowus’ core and satellite portfolios, you can build a strong foundation, invest in what you believe in, and tailor it to your goals.
two robots - robo advisors
Gregory Van
Which robo-advisor suits you best?
Not all robo-advisors are created the same. We discuss the different investment approaches used by digital wealth management platforms in Singapore.
hiking vacation - a goal you can invest for
Insights
What is goal-based investing?
When you invest to achieve specific goals — such as retirement or buying a home — you can better identify how much to invest and the best strategy for you.
view all

Personal Finance

Manage your expenses and get smart with financial planning
mountains and horizon - forecasts
Samuel Rhee
Why do habits matter?
Being patient with your money will allow the power of compounding and time to do the heavy lifting, without much effort on your part.
father and child - adulting
Gregory Van
Adulting with my money
Wondering how to start managing your money? Here are helpful tips: set up a core investment portfolio, don’t hold too much cash, and more.
writing financial goals in a notebook
Insights
Prioritise our financial goals
Understanding how to prioritise your goals will help you figure out how much to save, invest, and strategically put your money to work.
budgeting money with calculator and laptop
Shengshi Chiam
Managing our personal budget
Keeping track of our expenses ensures that our hard-earned money is spent meaningfully. Here are five simple steps to plan a realistic budget.
building an emergency fund - adding money to piggybank
Insights
Keeping an emergency fund
Everyone should set money aside for unexpected large expenses. Learn how to build an emergency fund, and where you should keep it.
grow your savings - coins in a jar
Insights
What are good savings habits?
Want to save more money? Here are five saving tips to bring you closer to your financial goals, even with limited cash flow.
view all

Retirement

Be prepared for your golden years with these retirement tips
hurdles on a running track - retirement planning
Insights
Retiring with peace of mind
It pays to plan and save for retirement early. Use this simple checklist to prepare for your golden years.
clock and time - drawing down on retirement funds over time
Insights
Learn about decumulation for retirement
After building your wealth for decades, how should you draw down on those funds when you retire? Decumulate wisely to avoid outliving your nest egg.
flower pots and buckets - retirement strategy
Insights
Retiring with a bucketing strategy
The time-bucket strategy is a way to manage income during retirement. Find out how to apply it for a stable income stream and capital growth.
slicing bread - higher cost of living - retirement spending
Insights
Retiring with the 4% rule
4% — that’s the popular rule of thumb to determine how much money retirees can comfortably spend each year. Is it still useful amid high inflation?
umbrella on a rainy day - legacy planning for assets after death
Insights
Why is legacy planning important?
Everyone needs a plan in place to manage their assets after their death. Here are five things to consider for legacy planning in Singapore.
chickens - retirement planning - work chicken and wealth chicken
Gregory Van
How to retire well in Singapore
Of chickens, eggs, and investing for retirement — learn to grow and sustain your wealth through systematic investing and an evidence-based retirement plan.
view all

CPF & SRS

Pick up top hacks to optimise your CPF and SRS savings
graduation - getting your first job and pay cheque and making CPF contributions
Shengshi Chiam
Making our first CPF contributions
Just entered the job market? Here’s what to know about CPF as a fresh graduate, to start your adulting journey on the right foot.
elderly couple checking cpf monies
Shengshi Chiam
Learn how to read CPF statements
The CPF yearly statement of account makes it easy to take charge of your finances, with personalised insights on how to grow and manage CPF savings.
retirees planning their finances and investments
Shengshi Chiam
What is the CPF Retirement Account?
Before we hit 55 years old, there are a few important things to know about CPF, so we can manage our wealth better for retirement.
nest egg - retirement funds - growing CPF savings
Shengshi Chiam
Can our CPF keep up with inflation?
Rising consumer prices erode our purchasing power. Find out how to manage your CPF savings effectively to beat inflation.
financial statement, income taxes with calculator and money
Shengshi Chiam
Learn these useful CPF hacks
Want to reduce your income tax? Good news — you can get tax relief easily by making CPF and SRS top-ups. Find out how.
elderly couple holding hands - retirement sums, cpf life
Insights
Understanding CPF Life
Singapore’s CPF Life gives you the assurance of receiving a lifelong monthly payout. Learn about how it works, and how you can grow your nest egg.
view all

Women & Investing

Take charge of your finances and own your worth.
woman relaxed - peace of mind with CPF investing
Insights
CPF investing for women
Across older age groups, Singapore women have far lower CPF account balances than men. There's room to consider investing your OA savings.
man and women - gender divide in investing
Sin Ting So
The gender investment divide
Investment solutions should meet women's unique needs and life goals. Taking control of your money and rethinking stereotypes is key.
leaves through seasons - investing at each life stage
Insights
Financial planning through life stages
Our financial needs in our 20s will change by the time we retire. Learn how to tailor your investment strategy to different phases of your life.
hiking vacation - a goal you can invest for
Insights
What is goal-based investing?
When you invest to achieve specific goals — such as retirement or buying a home — you can better identify how much to invest and the best strategy for you.
writing financial goals in a notebook
Insights
Prioritise our financial goals
Understanding how to prioritise your goals will help you figure out how much to save, invest, and strategically put your money to work.
women are better investors than men, less focused on short-term trading and timing the market
Sin Ting So
How women can invest well
Women on average make better investors, and are just as willing as men to embrace risk. It’s time to break the bias.
view all