how we invest
Investing better, for everyone.
Intelligent core portfolios designed for your wealth goals.
At Endowus, everyone can invest with the brightest minds in finance, maximising returns at every level of risk with all their savings - Cash, CPF & SRS.
Evidence-based investing is passive in asset allocation and accesses institutional, best-in-class, low-cost funds (unit trusts) with proven track records.
View performance, underlying funds and securities of our globally diversified core portfolios for your longer-term goals (General Wealth Accumulation) and shorter-term goals (Cash Smart).
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.
The expense ratio is the most proven predictor of future fund returns.
Lower Fees. Higher Returns.
We can't control the markets, but we can help you reduce the amount you pay in fees. By having no sales fees or transaction fees and rebating 100% of any trailer fees we receive (most financial institutions will charge you these fees or keep them for themselves), we provide you access to the best investment opportunities at a fraction of the industry average.
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.
Core portfolios: performance, underlying funds & securities
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Endowus is an MAS licensed financial adviser. We do not manage money directly, but rather, leverage the best fund managers in the world by accessing their time-tested strategies at the lowest cost possible. Endowus builds portfolios on these funds. Endowus does not change your target asset allocation without your consent, as a fund manager would do.
Financial markets have historically rewarded long-term investors, and provided growth of wealth that has more than offset inflation. Over time, markets display efficient characteristics and investors are rewarded commensurately for the risks that they take. Taking an evidence-based approach to investing means analyzing empirical data and time-tested academic evidence, and applying it in a systematic manner rather than trying to speculate or outguess other market participants. The aim of evidence-based investing is to give you the highest probability of success in growing your wealth over the long-term.
We focus our efforts on building data-driven portfolios that are based on empirical evidence rather than cursory back-tested data. Academic research has identified certain drivers of returns, and we want to structure our portfolios to capture these driver within a broad market exposure. We believe in creating diversified investment portfolios which generate the highest possible expected return for every level of risk taken by an investor. For Endowus this means continuously searching the investment universe for products that will improve risk-return tradeoff in our portfolios. We understand that costs involved dramatically affect long-term returns, and endeavour to both implement efficient trading execution and continuously lower fees for our customers by leveraging our collective scale to create cost synergies.
We offer globally diversified, low-cost portfolios built on best-in-class mutual funds (or unit trusts). We have chosen some of the most respected global fund management companies with aligned interests in serving you, and who also share our values and investment philosophy. We have carefully selected their best investment products that have exhibited solid long-term performance with consistent investment characteristics, and are offered at attractive institutional-level costs. These fund managers manage the underlying funds in your portfolio.