Investing 101 with Endowus

A step-by-step guide to

kickstarting your investing journey

learn about

Basics of Investing

wealth building

personal finance

Women & Investing

Basics of Investing

Learn how markets work and other investment fundamentals

why should we invest - thinking man

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?

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

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

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

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

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.

Wealth Building

Discover investment strategies to grow your wealth

yoga - peace of mind with passive investing

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

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

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

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

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

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.

Personal Finance

Manage your expenses and get smart with financial planning

mountains and horizon - forecasts

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

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

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

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

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

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.

Retirement

Be prepared for your golden years with these retirement tips

hurdles on a running track - retirement planning

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

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

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

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

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

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.

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

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

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

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

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

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

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.

Women & Investing

Take charge of your finances and own your worth.

woman relaxed - peace of mind with CPF investing

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

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

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

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

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

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.

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