In just a few clicks, you'll get a detailed investment plan based on global model portfolios, built and continuously monitored by our team of experts. We do all the work behind the scenes, so you can live better.
Tell us about your goals, risk tolerance, and investment timeline. We will tailor our portfolio recommendation based on your individual circumstances.
Based on what you tell us, our system will scientifically recommend a model portfolio to you. We run thousands of simulations that show you how your portfolio can grow towards your goals.
Once you're done with your plan, we'll need some personal information (much like opening a bank account but entirely online). As an MAS-licensed financial adviser, we make sure to follow the rules, so you get all the benefits and none of the hassle.
When you create an Endowus account, we'll 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. And the best part? You get the ease of use of the Endowus platform, and the trust that UOBKH brings to all its clients, including you.
Intelligent rebalancing. With intelligent re-balancing, you'll always know that your portfolio is appropriate for your goals, all the time, in real time.
Lifecycle advice and adjustments. Based on your age, circumstances, goals, and the markets, your ideal asset allocation will change over time. We'll advise you, through alerts, 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.