Get started in 4 simple steps

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.

Opening an account is easy and can be done entirely online in a few short steps.

1. First, create an account by registering your email address on our site here.
2. Fill in a short survey where we get a better understanding of your investment goals and risk profile and follow the prompts. We will advise you on an appropriate investment portfolio, or you can also opt to select your own portfolio.
3. Then, we will ask you for some required information to complete your onboarding, which should take about 8 to 10 minutes.
4. We will set up the account for you with both Endowus and our partner UOB Kay Hian, which should take about 2-4 business days if there are no issues.

If you get stuck and need a little help, or would like to open a joint account or corporate account, please contact us at support@endowus.com.

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 your underlying holdings drift materially from their target allocation we will send you an email to inform you that we recommend a rebalancing back to your target allocation. 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 of returns and rebalancing helps to keep your investments in-line with your goals.

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Every cash flow (deposit or withdrawal) is also used to rebalance your portfolio towards its target weights. In the absence of cash flows, we rebalance by selling overweight funds and buying underweight funds in the portfolio.

There is no additional cost to rebalancing for our clients.

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For more information please see our FAQ here.

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.