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Flagship

Joanne Peh

Actress, entrepreneur and Endowus client

Endowus Flagship Portfolios.

Intelligent portfolios, designed for your wealth goals. Evidence-based investing is now effortless.

licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
4.8
4.8
From 640+ reviews on Seedly

Joanne Peh

Actress, Entrepreneur
 and Endowus client
licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
4.8
4.8
From 640+ reviews on Seedly

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
CASH/SRS
CPF
annualised returns
9.23%
10 Year
annualised volatility
12.13%
10 Year
From 1 Jan 2012 to 31 Dec 2022
annualised returns
9.21%
10 Year
annualised volatility
11.69%
10 Year
From 1 Jan 2012 to 31 Dec 2022
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
CASH/SRS
CPF
annualised returns
7.85%
10 Year
annualised volatility
10.36%
10 Year
From 1 Jan 2012 to 31 Dec 2022
annualised returns
7.77%
10 Year
annualised volatility
9.57%
10 Year
From 1 Jan 2012 to 31 Dec 2022
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
CASH/SRS
CPF
annualised returns
6.53%
10 Year
annualised volatility
8.59%
10 Year
From 1 Jan 2012 to 31 Dec 2022
annualised returns
6.33%
10 Year
annualised volatility
7.50%
10 Year
From 1 Jan 2012 to 31 Dec 2022
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
CASH/SRS
CPF
annualised returns
5.08%
10 Year
annualised volatility
6.99%
10 Year
From 1 Jan 2012 to 31 Dec 2022
annualised returns
4.67%
10 Year
annualised volatility
5.53%
10 Year
From 1 Jan 2012 to 31 Dec 2022
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
CASH/SRS
CPF
annualised returns
3.69%
10 Year
annualised volatility
5.66%
10 Year
From 1 Jan 2012 to 31 Dec 2022
annualised returns
3.03%
10 Year
annualised volatility
3.80%
10 Year
From 1 Jan 2012 to 31 Dec 2022
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
CASH/SRS
CPF
annualised returns
2.25%
10 Year
annualised volatility
4.81%
10 Year
From 1 Jan 2012 to 31 Dec 2022
annualised returns
1.43%
10 Year
annualised volatility
2.97%
10 Year
From 1 Jan 2012 to 31 Dec 2022
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

ENDOWUS fee (P.a.)
‍
0.25-0.6%
We charge less than half the industry average
sales fees
‍
0%
No hidden fees, ever
CASHBACK ON TRAILER FEEs
100%
We rebate it all back to you
learn more about fees

Read more

Insights

Why our Flagship Portfolios are the most popular

Most clients start their investment journeys with our Flagship Portfolios. Find out how the solution fares against competitors’ offerings.

Samuel Rhee

Improvements to Flagship Portfolios

We introduced Amundi passive index funds to lower fees for our clients. The portfolios stay efficient, with better risk-adjusted return prospects.

Samuel Rhee

Latest quarterly performance update

Read about the Flagship Portfolios’ performance and how they fared against market benchmarks.

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.

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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, CPF 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.

View more FAQs
Endowus
Invest better to live easier today and better tomorrow.

Headquartered in Singapore, Endowus is the first digital advisor for CPF, SRS, and cash savings, helping everyone invest holistically, conveniently, and with expert advice at the lowest cost possible.

SINGAPORE
HONG KONG
Open to all Singapore-based investors excluding US Persons. Minimum initial investment S$1,000. For joint, corporate, institutional, trust, and multi-currency accounts please email institutional@endowus.com.
‍
This website is owned and operated by ENDOWUS SINGAPORE PTE. LTD. ("Endowus"), a private limited company incorporated in Singapore, with company registration number 201708816N. Endowus is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore (“SFA”)  (CMS License 101051) and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services.

Unless otherwise specified, all return figures shown above are for illustrative purposes only, are not actual customer or model returns and are not indicative of future performance or results. Actual returns will vary greatly and depend on various factors including personal and market circumstances. Investment involves risk. It is important to note that the capital value of investments and the income from them may go down as well as up and may become valueless. Some of the statements contained in this website may be considered forward-looking statements which provide current expectations or forecasts of future events. There is no assurance that the conditions described in this website will remain in the future and actual results may differ materially. This website is for information purposes only and is not and should not be construed as an offer or the solicitation of an offer or a recommendation for the purchase or sale of any investment or subscribe for, or to participate in, any services. The information contained within this website has not been reviewed in the light of your personal circumstances. You should carefully consider whether any investment views and investment products/services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances or seek financial advice via Endowus' platform.

All advertisements on the website have not been reviewed by the Monetary Authority of Singapore. Any notification from the Endowus application is not a product advertisement that has been reviewed by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.