Leap into prosperity this CNY 💰     Get an $88 head start to growing your wealth.

Leap into prosperity this CNY 💰Get an $88 head-start to growing your wealth.

Expert investing, for everyone.

Solutions designed to organise and grow your wealth, with access to best-in-class funds at low cost.

Endowus Income

Passive income solutions, for every stage of life

Receive monthly payouts of 3.5%-6.5% p.a. while growing or preserving your capital, through portfolios focused on income, dividends and stability.

Last updated 17 Jan 2023. Figures do not include trailer fee rebates and Endowus Fee. Current payout targets are not guaranteed and are estimates only.

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Endowus Cash Smart

Earn up to 3.4% - 4.6% p.a.* No lock-ups. No limits.

A new way to grow your cash with higher yields, no lock ups, no limits or tiers, no penalties, no hidden charges, no transfer limits and no fuss.

*Not guaranteed. Projected yield calculated as of 30 Jun 2024.

Cash Smart

3 options / Cash, SRS
A smart and flexible way to earn more on your cash, managed by Singapore’s biggest money managers.
Endowus Fund Smart

Switch to Endowus and save up to 65% or more on your unit trust investments!

Transfers made through this process are free of charge, and as there is no selling of funds, you can remain invested in the market. Find out more here.

Or pick and choose your favourite funds from top-tier fund managers

A lower cost, more transparent, powerful fee-only fund platform at your fingertips.

All your wealth on one platform.

We’re proud to be the Singapore’s first digital advisor for CPF. We are here to help you be holistically invested for your future.

Other offerings

Private wealth & family offices

Personalised services and exclusive products for private clients investing S$1M+ with Endowus.

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Institutional clients

Treasury management and institutional advisory services for charities, foundations, corporations, and more.

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Corporate benefits

Empowering employers and employees through financial education and exclusive benefits on Endowus fees.

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How we invest

An expert investment experience for all of us

Science over speculation

Backed by the research of Nobel Laureate academics, we advocate broadly diversified, passive and systematic strategies that have global market exposure with tilts towards the proven factors of returns such as value, size, and profitability.

Lower & fairer fees = higher returns

Endowus charges no sales fees or transaction fees. We also  give 100% Cashback on all trailer fees we receive, whereas most financial institutions will charge you these fees or keep them for themselves. This way, we can provide you access to the best investment opportunities at a fraction of the industry average.

“The expense ratio is the most proven predictor of future fund returns.”

Morningstar Research.


Standing on the shoulders of financial giants

We implement our portfolios by accessing leading global fund managers with the expertise, scale and real, proven track records in implementing their strategies successfully over time. We access their best-in-class funds at the lowest cost possible, so you grow your money like the best investors in the world.

8 principles of our investment philosophy

Maximise returns by minimising cost: Removing the single biggest drag to portfolio performance over time

Enduring belief in power of markets: Taking broad market exposure through the wisdom of crowds to capture the best long-term performance

Time in markets vs market timing: Giving the long-term investor the highest chance of success in reaching their financial goals

Asset allocation is everything: Setting up an appropriate, intelligent asset allocation strategy is the most important driver of long-term returns

Strive for the efficient frontier: Generating the highest possible expected return for every level of risk taken

Diversification improves risk-return: Having broad exposure across diverse assets whose correlation characteristics reduce risk without sacrificing returns

Optimise based on personal risk tolerance: Customising personal portfolios is essential as there is no one size fits all in investing

Know your limitations: Partnering with experts and leading global institutions to access best in class financial solutions to achieve your goals

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Portfolio performance, underlying funds & securities

Low, fair fees

Endowus fee (P.a.)
We charge less than half the industry average
sales fees
Zero extra charges, always
100% Cashback on trailer fee
We rebate it all back to you
learn more about fees
This fee will be adjusted from 0.05% to 0.15% p.a., which will take effect from 1 May 2024.

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Is Endowus regulated? How safe is using Endowus as a platform for investing?

Endowus is a holder of the Capital Markets Services (CMS) Licence by the Monetary Authority of Singapore (CMS license no. 101051), and is also an Exempt Financial Adviser under the Financial Advisors Act (Chapter 110) of Singapore.

When you open an account with Endowus, we also create a separate trust account in your name at UOB Kay Hian, one of Asia's largest brokerage firms.  All your assets are custodised in a segregated account with UOB Kay Hian and held in your legal name. This trust account is specific to your Endowus-related investments only.

UOB Kay Hian is regulated by the Monetary Authority of Singapore and has a Capital Markets Services License to provide custodial services for securities.

I need some advice on investing with Endowus. Who can I speak with?

We are always here to help! Please click here to find the different ways you can reach out to our team of licensed financial advisors.

Can I invest in the Endowus portfolios using a joint account?

We offer joint accounts for customers to invest their Cash through us. Please see here for instructions on opening a joint account.  

SRS and CPF OA investments must be made via an individual Endowus  account.

Can corporates and institutions invest with Endowus?

Absolutely. Email us at institutional@endowus.com, and we will assist you with opening a corporate account with Endowus and UOB Kay Hian. Please note that corporate accounts have a minimum investment requirement of SGD 500,000.

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Let's talk about your money.