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Customise. Execute. Monitor. Grow.

Personalised investing at your fingertips


With access to best-in-class funds from the world's top asset managers

Set goals, ASSESS suitability

With real-time tools to understand your needs


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

MONITOR, transact, rebalance

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

InvesT & LIVE better

With total control of your wealth, saving you money & time

Investing with the best, for everyone.

Access curated institutional share-class funds from best-in-class global managers
UCITS, SGD-hedged and denominated solutions for tax & FX efficiency
Portfolio monitored and rebalanced automatically and intelligently
Cash, CPF & SRS 
No lock ups
No penalties
0% sales fees
No transaction fees
100% trailer fee rebates
Assets securely held in your own name at UOB Kay Hian

Frequently asked questions

Can I open a joint, corporate, institutional, or trust account? Can I invest in different currencies?

Absolutely. Email us at institutional@endowus.com. We can work with you on your account opening with Endowus and UOB Kay Hian.

Endowus investment solutions are available in all major global currencies (USD, EUR, GBP, AUD, CHF and more).

What are the underlying funds (unit trusts) available on Endowus Fund Smart?

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.

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.

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.

To see more information on the funds, underlying holdings, historical returns, fees, and more, create your Endowus account for free.

You can also view a list of available funds here.

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.

How does Endowus make money? How is the Access Fee charged?

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.

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.

Access Fee per annum based on assets under advice (AUA):

General Investing


0.40%   On any amount


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

Cash Management

Cash & SRS

0.05%   On any amount

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:

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.

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

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