Leap into prosperity this CNY 💰     Get an $88 head start to growing your wealth.

Leap into prosperity this CNY 💰Get an $88 head-start to growing your wealth.

Endowus Fund Smart

Invest in top-rated funds at low cost.

200+ investment strategies, 40+ top global fund managers
We partner with the world’s leading fund managers to bring their experience, performance, and expertise to your portfolios.
Picked by experts, managed by experts
Every strategy is SMART+ curated by the Endowus Investment Office for performance, cost, investment process, and more.
0% sales fees, 100% Cashback on trailer fees
No sales charges. No transaction fees. All trailer fees rebated. Only a low, all-in, transparent Endowus Fee.
see all our curated funds

Build your own portfolio in just a few clicks.

  • Add a Fund Smart goal

    Build your optimal portfolio using best-in-class funds at low cost with Fund Smart. Select a single fund or include up to eight per portfolio (with no limit to the number of portfolios).

  • Customise your Fund Smart Portfolio

    Take full control of your portfolio composition based on your short or mid to long-term investing needs, your preferred funding type (Cash, CPF, or SRS), and your risk tolerance.

  • Choose from 200+ funds

    Explore our full range of funds spanning asset classes, geographies, sectors, and styles. Our platform also guides you with real-time updates on fund characteristics, like holdings and projected outcomes, to help you make better decisions.

Not sure where to start?

If you are looking to create your own portfolio with globally diversified, best-in-class and low-cost funds, here are the Endowus Investment Office’s top picks.
View our complete list of funds here.

Save up to 50% on fees.

No sales charges, with 100% cashback on trailer fees.

Mid to long-term investing


Short-term Cash Management portfolio


Mid to long-term investing




0.25% to 0.60%

Short-term Cash Management portfolio


How does Fund Smart work for you?

A unit trust (also known as a mutual fund) is a pool of capital managed by a professional fund manager. This pool is invested into a variety of assets to meet specific investment objectives. There are therefore many types of unit trusts for you to choose from, built to achieve many types of goals. With 9,000+ registered funds in Singapore alone, we make the process easier by curating only the best-in-class for you to choose from.
Each unit trust has many underlying holdings across asset classes and geographies
Institutional and clean share-classes bring costs down to the lowest levels achievable
Professionally managed
Unit trusts are typically managed by teams of experts toward specific goals
Most unit trusts offer daily subscriptions and redemptions

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