Performance, underlying funds & securities

HOW we do it better

Science over speculation - we do the work so you don't have to

Expert advice

Backed by the research of Nobel Laureate academics, we advocate broadly diversified, passive and systematic strategies.

Exclusive access

Unique access to leading global fund managers with the expertise, scale and real, proven track records

Low cost

No sales fees or transaction fees and rebating 100% of any trailer fees. Invest better at a fraction of the industry average.

At a glance

Grow your money like the best investors

We’ve screened thousands of funds. We handpick leading global fund managers with the expertise, scale and track records. Then we access their best-in-class funds at the lowest cost, so you grow your money like the best investors in the world.

100% equities
80% equities
60% equities
40% equities
20% equities
0% equities
0% fixed income
20% fixed income
40% fixed income
60% fixed income
80% fixed income
100% fixed income
100% Equities
A very aggressive portfolio designed for longer term goals that can withstand periods of significant volatility to compound returns over the long term and achieve higher average expected returns. Diversify into thousands of global stocks through institutional quality, low cost funds.
INVEST WITH
annualised returns
12.18%
10 Year
annualised volatility
11.03%
10 Year
From 1 Jan 2012 to 31 Dec 2021
annualised returns
12.61%
10 Year
annualised volatility
10.48%
10 Year
From 1 Jan 2012 to 31 Dec 2021
key features
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
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
See returns details & underlying funds
See returns details & underlying funds
80% Equities | 20% Fixed Income
An aggressive portfolio designed for longer term goals that can withstand periods of volatility to compound returns over the long term and achieve higher average expected returns. Diversify into thousands of global stocks and bonds through institutional quality, low cost funds.
INVEST WITH
annualised returns
10.77%
10 Year
annualised volatility
9.27%
10 Year
From 1 Jan 2012 to 31 Dec 2021
annualised returns
10.73%
10 Year
annualised volatility
8.49%
10 Year
From 1 Jan 2012 to 31 Dec 2021
key features
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
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
See returns details & underlying funds
See returns details & underlying funds
60% Equities | 40% Fixed Income
A balanced portfolio designed for mid to long term goals and cashflows that can withstand periods of some volatility to compound returns over the long term and achieve higher average risk-adjusted returns. Diversify into thousands of global stocks and bonds through institutional quality, low cost funds.
INVEST WITH
annualised returns
9.31%
10 Year
annualised volatility
7.56%
10 Year
From 1 Jan 2012 to 31 Dec 2021
annualised returns
8.91%
10 Year
annualised volatility
6.63%
10 Year
From 1 Jan 2012 to 31 Dec 2021
key features
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
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
See returns details & underlying funds
See returns details & underlying funds
40% Equities | 60% Fixed Income
A measured portfolio designed for mid term to long term goals and cashflows that can withstand periods of some volatility to compound returns over the long term to achieve higher average risk-adjusted returns. Diversify into thousands of global stocks and bonds through institutional quality, low cost funds.
INVEST WITH
annualised returns
7.78%
10 Year
annualised volatility
5.89%
10 Year
From 1 Jan 2012 to 31 Dec 2021
annualised returns
7.03%
10 Year
annualised volatility
4.65%
10 Year
From 1 Jan 2012 to 31 Dec 2021
key features
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
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
See returns details & underlying funds
See returns details & underlying funds
20% Equities | 80% Fixed Income
A conservative portfolio designed for mid term goals and cashflows that are focused on capital preservation with recognition that a small allocation to equities can improve asset class diversification and long term risk-adjusted returns. Diversify into thousands of global stocks and bonds through institutional quality, low cost funds.
INVEST WITH
annualised returns
6.26%
10 Year
annualised volatility
4.58%
10 Year
From 1 Jan 2012 to 31 Dec 2021
annualised returns
5.06%
10 Year
annualised volatility
2.99%
10 Year
From 1 Jan 2012 to 31 Dec 2021
key features
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
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
See returns details & underlying funds
See returns details & underlying funds
100% Fixed Income
A very conservative portfolio designed for short to mid term goals focused on capital preservation and lower volatility in returns, with some long term capital appreciation to compound returns. Diversify into thousands of global bonds through institutional quality, low cost funds.
INVEST WITH
annualised returns
4.72%
10 Year
annualised volatility
3.87%
10 Year
From 1 Jan 2012 to 31 Dec 2021
annualised returns
3.12%
10 Year
annualised volatility
2.48%
10 Year
From 1 Jan 2012 to 31 Dec 2021
key features
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
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
See returns details & underlying funds
See returns details & underlying funds

Low, fair fees

all-in-access fee (P.a.)
0.25-0.6%
We charge less than half the industry average
sales fees
0%
Zero extra charges, always
trailer fee rebates
100%
We rebate it all back to you
learn more about fees

Want to know more?

Can I use Cash, SRS or CPF to invest in Endowus Flagship Portfolios?

You may invest in the Endowus Flagship Solutions using Cash, SRS and/or CPF. Underlying funds in the portfolios may differ depending on which funding source is used.

Endowus Flagship Solutions are available for Cash, CPF and SRS investments. The portfolios may be different depending on the funding source.


How does Endowus design the Flagship portfolios?

Endowus uses an evidence-based approach in designing our portfolios. The aim of evidence-based investing is to give you the highest probability of success in growing your wealth over the long-term.


We analyse empirical data and time-tested academic evidence and apply this in a systematic manner during the portfolio creation and management process. Our diversified investment portfolios are focused on providing the highest possible expected return for a given risk level. We also tilt the allocations to capture those factors identified by academic research that can enhance the return profile of a broad market exposure portfolio.


Our Office continuously scans the investment universe for products that will improve the risk-return tradeoff of our portfolios and that will reduce the cost of investing for our customers. Where appropriate and optimal, recommendations are made to update the Flagship portfolios so that you are always investing efficiently through us.

Which Flagship Portfolio is right for me?

We have designed Endowus to be a goal-based investing platform, where you can invest your Cash, CPR and SRS holistically towards personal life goals, such as saving for children's education, retirement. When you invest with a defined purpose of achieving a certain goal, you can better identify how much you need to invest, the right investment strategy, and the appropriate level of risk to take to get you there. 

 

After you have defined and set your goals, you will do a short survey online to determine your risk tolerance. Our platform utilises a risk tolerance threshold when recommending the Flagship Portfolios to clients.


Risk tolerance on the Endowus platform is understood as the worst drawdown (loss of value) in any rolling 12-month period. We analyse and continually update the historical performance of the funds in our portfolios for the past 15 years, including the 2008 Great Financial Crisis, to determine each portfolio’s worst 12-month rolling drawdown. We believe that this is a highly conservative approach because if you can hold your portfolio over a longer period of time, the risk of a large drawdown declines substantially. 


At Endowus, we want to help you succeed, which is why we prioritise matching you with a portfolio whose volatility or short-term loss is within your personal stated limit. Our platform will recommend the portfolio with the highest expected return for your stated risk tolerance. 


By investing in a risk-appropriate portfolio, investors are much more likely to stay the course through the near-term ups and downs – giving you the highest chance of reaching your investment goals.

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