Introducing Fund Smart πŸŽ‰

Customise your investment portfolios with exclusive access to best-in-class funds at low cost.

Getting Started

Getting Started

  • Investing made easy with Endowus.

    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.

  • 1. Tell us about yourself

    Tell us about your goals, risk tolerance, and investment timeline. We will tailor our portfolio recommendation based on your individual circumstances.

  • 2. Generate your personalized plan

    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.

  • 3. Onboarding in 10 minutes, online.

    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.

  • Security first

    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.

  • We'll help you create your future - without you having to lift a finger.

    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.

    Recurring investments and redemptions on demand. Set up and manage monthly investments into your goals, or redeem them when you need the funds. Don’t worry - we don't charge additional transaction fees, so you can change these as your needs change, anytime.



What is Endowus and how does it work?

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.

How do I open an Endowus account?
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, please contact us at
What safeguards does Endowus have in place to ensure that my assets are protected from fraud?

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.

What happens to my money and assets if Endowus closes?

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.

How does intelligent rebalancing work?

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.

How long do investments and redemptions take? Is there a lock-up?

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.

Invest in your future.

By creating an account you agree
to the Platform Agreement