In just a few clicks, you’ll have a detailed investment plan based on global model portfolios, built and continuously monitored by our team of experts.
Tell us about your goals, risk tolerance, and investment timeline. We will tailor our portfolio recommendation based on your individual circumstances.
Based on your inputs, our system will scientifically recommend a model portfolio to you, and run thousands of simulations that show you how your portfolio may grow towards your goal.
As an MAS-licensed financial adviser, in order to open your Endowus account, we will ask you for some personal information and proof documents. The process is similar to opening a bank account. We designed our onboarding so it can be completed entirely online in under 10 minutes.
When you create an Endowus account, we will create a trust account in your own name at UOB Kay Hian, Singapore's largest broker. This trust account will handle your assets and process the transactions you make on the Endowus platform, so we never handle your money directly.
Intelligent rebalancing. We monitor and conduct all the portfolio rebalancing for you. This means ensuring that your portfolio is appropriate for your goals, all the time.
Life cycle advice. Based on your age, circumstances, goals, and the markets, your ideal asset allocation will change over time. We will advise you when the time is right to optimise your exposure for the best results.
Endowus is a Singapore-based financial technology company that empowers people to take control of their financial future. The firm’s proprietary systems provide data-driven wealth advice in constructing personalised solutions. Its portfolios are built on access to institutional-quality financial products at the lowest cost possible.
Endowus is a fee-only independent advisor paid solely by its clients, allowing its advice to be unaffected by conflicts of interest. The firm provides its end-to-end digital solution to individual and institutional investors. Endowus is licensed by the Monetary Authority of Singapore.
All your assets are custodised in a trust account in your own name with UOB Kay Hian, one of Asia's largest brokerage firms. UOB Kay Hian is regulated by the Monetary Authority of Singapore and has a Capital Markets Services License to provide custodial services for securities.
Your money is held separately from ours and always in your own name at UOB Kay Hian, our partner broker. This means that you will always have full access and claim to your assets no matter what happens to Endowus.
Over time, the value of individual investments in your portfolio will move up and down and drift away from your target asset allocation. If an underlying holding drifts by more than 10% from its target allocation (i.e. a fund with a target allocation of 20% moves by more than 2%), we will send you an email to inform you. You will have the option to opt out of rebalancing if you choose, however, we believe that asset allocation is one of the greatest drivers for returns. If you do not choose to opt out of rebalancing your portfolio back to its target asset allocation, we will go ahead to execute the rebalancing 2 business days after you receive the email. Every cash flow (deposit or withdrawal) is used to rebalance your portfolio towards the target weights. In the absence of cash flows, we rebalance by selling and buying existing funds in the portfolio.
There is no additional cost to rebalancing for our clients.
There is no lock-up period. You can make your investment and redemption requests online and we will process them on the same business day if received prior to our cutoff time, or on the next business day if received after our cutoff time. The cutoff time is 12pm.