HOW we do it better
Science over speculation - we do the work so you don't have to
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.
Want to know more?
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.
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.
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.