
Invest your way, with Fund Smart
Better fund access. More customisation. Lower cost. Design your ideal investment portfolio in minutes and we’ll take care of the rest. Invest your Cash, CPF & SRS.

Customise. Execute. Monitor. Grow.
Personalised investing at your fingertips
With access to best-in-class funds from the world's top asset managers

With real-time tools to understand your needs

With assets held in your own name at UOB Kay Hian, Singapore's largest broker

Track, modify, invest, redeem - all on the Endowus platform

With total control of your wealth, saving you money &Â time
Investing with the best, for everyone.
No lock ups
No penalties
No transaction fees
100% trailer fee rebates
Sign up in under 10 minutes.
Frequently asked questions
Absolutely. Email us at institutional@endowus.com. We can work with you on your account opening with Endowus and UOBÂ Kay Hian.
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Endowus investment solutions are available in all major global currencies (USD, EUR, GBP, AUD, CHF and more).
Funds are curated by the Endowus Investment Office and are available in Singapore Dollars on the Endowus platform for Retail and Accredited Investors. Different funds are available for Cash, CPF & SRS investment and a list can be viewed once you create your account and build your Fund Smart portfolio.
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You may find that in many cases Endowus is the only way to access certain funds and strategies. This is because Endowus works directly with leading global fund managers to make their best products available to everyone at a low and transparent cost.
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Unlike other fund platforms, financial advisors, brokers, banks or distributors, Endowus accesses the institutional share-class of funds that have lower fees, never charges a sales fee, and rebates 100% of trailer fees so you keep more of your returns.
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To see more information on the funds, underlying holdings, historical returns, fees, and more, create your Endowus account for free.
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You can also view a list of available funds here.
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Note: Endowus has access to over 1,000 funds in all major currencies with many funds that are only available to Accredited Investors that may not be listed on the platform. Please contact institutional@endowus.com to find out more.
Endowus charges an Access Fee based on assets under advice (AUA), which includes portfolio advice & creation, unlimited transactions, all at your convenience on the Endowus platform.
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Endowus has no sales fees, and 100% trailer fee rebates. Unlike other platforms, we do not collect kickbacks from fund managers. We are only paid by you, the client we serve.
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Access Fee per annum based on assets under advice (AUA):‍
General Investing
CPFÂ &Â SRS
0.40% Â On any amount
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Cash
0.60% Â S$200,000 and below
0.50% Â S$200,001 to S$1,000,000
0.35% Â S$1,000,001 to S$5,000,000
0.25% Â S$5,000,001 and above
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Cash Management
Cash &Â SRS
0.05% Â On any amount
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Note that Fund-Level Fees (fund total expense ratio) are charged by the fund manager out of the underlying fund Net Asset Value (NAV).
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..
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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.Â
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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%.
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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.
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See below examples of Endowus versus the industry for portfolio solutions and CPF investing:


New clients that do not have an Endowus account
1) Simply create your Endowus account,
2) Select to onboard with Myinfo (recommended)Â or manually
3)Â Scroll down and select "Fund Smart", and follow the instructions.
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Existing clients of Endowus
1)Â Simply log in to your Endowus account,
2) Select "Add goal"Â
3)Â Scroll down and select "Fund Smart", and follow the instructions.
Absolutely. Please schedule a call with the below link. We look forward to speaking with you.
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Schedule a call with an MAS-licensed Endowus investment advisor