Experience Endowus for free – for the rest of 2021! 🎉

Limited time only. Sign up using this link to enjoy 100% off access fees till 31 Dec 2021.  
Grow all your wealth
Cash, CPF & SRS investing conveniently on one award-winning platform
0% sales charges
Choose from hundreds of funds with no sales charges
100% trailer fee rebates
Get cash rebates of up to 1% of your fund-level fees per year
Safety first
Licensed by MAS, with assets are held in your own name at UOB Kay Hian
Grow all your wealth
Cash, CPF & SRS investing conveniently on one award-winning platform
0% sales charges
Choose from hundreds of funds with no sales charges
100% trailer fee rebates
Get cash rebates of up to 1% of your fund-level fees per year
Safety first
Licensed by MAS, with assets are held in your own name at UOB Kay Hian
Personalised investing at your fingertips. Select based on your desired funding source, asset class, geography and more. Customise your portfolio flexibly — with no lock up and no limits — at a lower cost.
Much more than just another "investment supermarket". As an investment adviser first and foremost, every fund is carefully pre-screened for quality and performance — so your portfolio building blocks consist of the best-in-class products from the world’s top fund managers.

We charge you a simple, transparent, all-in Access Fee and you get instant savings.

See how we compare against the industry:

Global ESG sustainable investing by numbers.

Making a positive impact with your wealth and in the world is a growing trend that will last many lifetimes.

ESG investing growth is fuelled by global demand.

Demand from both retail and institutional investors is cited as the top reason from asset managers to incorporate ESG factors into investment decisions - forecasts expect inflows to surpass conventional funds by 2025.

ESG investing doesn’t need to sacrifice returns.

From Jan 2020 to Feb 2021, Endowus 60-40 ESG Portfolio has outperformed the representative benchmark by 10% in total.

All-In Access Fee

A per annum fee based on the value of assets you hold with Endowus, also known as Assets Under Advice (AUA).
Grow all your money with 0% sales charges and 100% trailer fee rebates.

General Investing

Advised portfolios for mid to long-term goals

CPF, SRS

0.40%

Cash

0.25% to 0.60%

Fund Smart

Buy funds or build your own portfolios

Single Fund

Cash, CPF, SRS

0.30%

Multi-Fund Portfolio

Same as General Investing

Short-Term Cash Management Portfolio

Same as Cash Smart

  • No lock ups or penalties
  • Includes brokerage & transfers
  • Institutional share-class access
  • Personalised portfolios for your goals
  • Automated portfolio rebalancing
  • Automated regular savings plan (RSP)
ACCESS FEE PER YEAR
BASED ON ASSETS UNDER ADVICE (AUA), INCLUSIVE OF GST.
EXCLUDES NET FUND-LEVEL FEES FROM 0.10%
VIEW FAQS on FEES
0.40%flat fee for any amount
Tiered. Not stacked
0.60%Up to S$200,000
0.50%S$200,001 to S$1,000,000
0.35%S$1,000,001 to S$5,000,000
0.25%S$5,000,001 and above
0.05%flat fee for any amount

Includes

  • Account creation
  • Holistic advice
  • Portfolio creation
  • Intelligent rebalancing
  • Brokerage

Our promise

  • 100% trailer fee rebates
  • No sales charges
  • No distribution commissions
  • No transaction fees
  • No hidden charges

Frequently asked questions

How do I start investing with Endowus Fund Smart?

New clients that do not have an Endowus account

1) Simply create your Endowus account,
2) Select to onboard with Myinfo (recommended) or manually

3) Scroll down and select "Fund Smart", and follow the instructions.

Existing clients of Endowus

1) Simply log in to your Endowus account,

2) Select "Add goal"

3) Scroll down and select "Fund Smart", and follow the instructions.

How do I build a portfolio on Fund Smart? How do I choose which funds to invest in?

Fund Smart is a curated list of best-in-class funds at the lowest cost possible across asset classes, geographies and sectors selected by the Investment Office team, who has conducted due diligence on thousands of funds.

When you build your portfolio on Fund Smart, you should consider more strategically about what geographies, sectors, themes or asset classes you want to have additional exposure to better complement and diversify your existing investments, or meet your specific needs.

We believe that our Advised Portfolios should form the core of your investment portfolio for the long-term, and you should use Fund Smart as a way to complement your existing core investments via our Advised Portfolios.

What are the Access Fees for Fund Smart?

Fund Smart is the most competitive way to access funds because we offer institutional share class of funds, which is the lowest fee share class with no trailer fees embedded. If the institutional share class funds are not available, we offer the retail share classes and rebate all trailer fees received by the fund manager to our clients. We charge an all-in Access Fee, and there are no additional upfront sales charges or brokerage/transaction/custodian fees.

The institutional share classes of funds have traditionally only been available to institutional investors like insurance or pension funds, or ultra-high net worth investors, but are available to everyone via Endowus.

Endowus Access Fees per annum for Fund Smart

Short-term cash management goals

Single or multi-fund portfolio goals:

0.05% for all cash management portfolios are regardless of funding source or number of funds in the portfolio

All other investment goals (mid to long-term investment goals)

Single fund portfolio goals:

0.30% regardless of funding source

Multi-fund portfolio goals:
0.40% for CPF/SRS

0.25% to 0.60% for Cash

  • 0.60%   S$200,000 and below
  • 0.50%   S$200,001 to S$1,000,000
  • 0.35%   S$1,000,001 to S$5,000,000
  • 0.25%   S$5,000,001 and above

If I create multiple single fund goals, how much do I pay in Endowus Access Fees?

All single fund goals for mid to long-term investment will have an Access Fee of 0.30% p.a for each portfolio, regardless of the investment value of the goal.

All short-term cash management portfolios will have an Access Fee of 0.05% p.a, regardless of the number of funds in or investment value of the goal.

Note that Fund-Level Fees (fund total expense ratio) are charged by the fund manager out of the underlying fund Net Asset Value (NAV).

What is the cost of Endowus versus popular fund platforms?

It is more transparent, and in most cases much lower cost, to invest and grow your wealth with Endowus than it would be to replicate your portfolio and similar services at a private bank, online "low cost, no fee" platform, or retail bank..

Endowus rebates 100% of trailer fees, and gives access to the institutional share class of funds, which typically are half the cost of a retail share class of the same fund. 

For example, when you buy the PIMCO GIS Income Fund SGD-Hedged at a private bank or broker, you may be sold the retail share class, which has a total expense ratio of 1.45%, plus upfront sales charges  (typically 1-5%), custodian fees (typically 0.20% to 0.50% per year) and advisory/wrap fees. This means that you may have a total cost of ownership in the first year of over 3%.

With Endowus, we access the institutional share class of the same fund, which has a total expense ratio of 0.55%, no sales fees, no transaction fees, and the Endowus Access Fee of 0.40% per annum. This means you have a total cost of ownership of 0.95% per annum.

See below examples of Endowus versus the industry for portfolio solutions and CPF investing:

Can I use Endowus Fund Smart as a corporation or institutional investor?

Absolutely. Email us at institutional@endowus.com to find out more. Endowus solutions are also available in major global currencies (USD, EUR, GBP, and more).

Can I schedule a call with an MAS-licensed Endowus investment advisor?

Absolutely. Please schedule a call with the below link. We look forward to speaking with you.

Schedule a call with an MAS-licensed Endowus investment advisor

View more FAQs