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Genevieve Ding
Tech and sustainability strategist
and Endowus client
and Endowus client
Jackie Lee
Founder of HardwareZone and Endowus client
Nuraliza Osman
Lawyer, former Miss Universe Singapore and Endowus client
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.
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4.8
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4.8
Expert financial advice. Exclusive fund access . Low and fair fees
All your transactions are securely handled by our partner broker
Earning income, tailored to you
Whether you prefer stable payouts, higher payouts, or higher capital appreciation, we balance higher-yielding assets and higher-quality assets to meet your unique income and wealth accumulation needs.
All-weather approach
Our portfolios were built with resiliency in mind, to manage risk through market volatility and changing macro environments.
Global access to the best
We give you access to some of the best-in-class income-generating funds and opportunities worldwide – thanks to our globally diversified, multi-asset, multi-manager, flexible approach.
I am most interested in
3 OPTIONS DESIGNED FOR DIFFERENT LIFE STAGES AND OBJECTIVES
Great for retirees and for regular income
100%
FIXED INCOME
Stable Income
Enjoy steady monthly payouts and preserve your capital with lower risk. Great for retirees and for regular income.
Stable and dependable monthly payouts
Generate reliable passive income to cover regular expenses.
Lower risk to preserve your capital
Only take necessary risk from fixed income to increase the chance of capital preservation.
5.0% to 6.0%
Current target payout p.a.
High Yield
Bonds
23%
Bonds
23%
Cash
2%
2%
Treasuries
13%
13%
Investment
Grade Bonds
64%
Grade Bonds
64%
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Risk Considerations
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Primary risk consists of duration risk (sensitivity to interest rate movement) and credit default risk, which might lead to drawdown during market volatility. Monthly payout is expected to be stable and in line with the payout target.
A long term investment horizon is recommended.
A long term investment horizon is recommended.
Worst return over different holding periods:
1 YEAR
3 YEAR
5 YEAR
10 YEAR
-16.0%
-3.6%
-0.7%
1.6%
Note: worst rolling return over the given time period. Returns over 1 year are annualised. Based on representative historical data of the portfolio from 2013/7/1 to 2023/06/30.
Great for working adults with higher living expenses
20%
80%
Equities
FIXED INCOME
Higher Income
Maximise your monthly payouts and grow your capital by taking more risk. Great for working adults with higher living expenses.
Higher current payouts
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
Moderate long-term capital appreciation
Take higher risk and achieve higher payout and some growth.
5.5% to 6.5%
Current target payout p.a.
Global Dividend
Stocks
20%
Stocks
20%
Cash
2%
2%
Treasuries
9%
9%
Investment
Grade Bonds
40%
Grade Bonds
40%
High Yield
Bonds
31%
Bonds
31%
STABILITY
Click “...” to expand the pie chart
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Risk Considerations
Takes higher credit default risk through exposure to high yield bonds. Also take on equity risk. Higher risk profile is commensurate with higher income payout target. Hence, periods of higher drawdowns are expected. Slightly higher variability of monthly payout is expected although it should remain relatively stable and in line with the payout target.
A long term investment horizon is recommended.
A long term investment horizon is recommended.
Worst return over different holding periods:
1 YEAR
3 YEAR
5 YEAR
10 YEAR
-25.1%
-2.7%
0.2%
2.5%
Note: worst rolling return over the given time period. Returns over 1 year are annualised. Based on representative historical data of the portfolio from 2013/7/1 to 2023/06/30.
Looking for an income solution which balances current monthly payouts with long term capital appreciation?
Check out Endowus Future Income.
Check out Endowus Future Income.
Great for younger working adults with long-term goals
40%
60%
Equities
FIXED INCOME
Future Income
Earn some payouts and grow your capital for the life ahead by taking more risk. Great for younger working adults with long-term goals.
Payouts and growth
Balance your current income with long-term growth.
Higher capital appreciation to increase your future payout
Take higher risk to grow your future wealth with an allocation to global equities.
3.5% to 4.5%
Current target payout p.a.
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Global Dividend
Stocks
20%
Stocks
20%
Global Stocks
20%
20%
Cash
1%
1%
Treasuries
8%
8%
Investment
Grade Bonds
38%
Grade Bonds
38%
High Yield
Bonds
14%
Bonds
14%
STABILITY
Click “...” to expand the pie chart
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Risk Considerations
Primary risk consists of duration risk (sensitivity to interest rate movement), credit default risk, and equity risk. The Portfolio takes higher equity risk than the other two to fulfill its capital appreciation potential. Hence, periods of drawdowns similar to or higher than Higher Income are expected. Higher variability of monthly payouts is expected but they smooth out on a quarterly basis and should be in line with the payout target.
A long term investment horizon is recommended.
A long term investment horizon is recommended.
Worst return over different holding periods:
1 YEAR
3 YEAR
5 YEAR
10 YEAR
-24.9%
-0.4%
1.3%
4.6%
Note: worst rolling return over the given time period. Returns over 1 year are annualised. Based on representative historical data of the portfolio from 2013/7/1 to 2023/06/30.
Great for retirees and for regular income
100%
FIXED INCOME
Stable Income
Enjoy steady monthly payouts and preserve your capital with lower risk. Great for retirees and for regular income.
Stable and dependable monthly payouts
Generate reliable passive income to cover regular expenses.
Lower risk to preserve your capital
Only take necessary risk from fixed income to increase the chance of capital preservation.
5.0% to 6.0%
Current target payout p.a.
High Yield
Bonds
23%
Bonds
23%
Cash
2%
2%
Treasuries
13%
13%
Investment
Grade Bonds
64%
Grade Bonds
64%
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Risk Considerations
Primary risk consists of duration risk (sensitivity to interest rate movement) and credit default risk, which might lead to drawdown during market volatility. Monthly payout is expected to be stable and in line with the payout target.
A long term investment horizon is recommended.
A long term investment horizon is recommended.
Worst return over different holding periods:
1 YEAR
3 YEAR
5 YEAR
10 YEAR
-16.0%
-3.6%
-0.7%
1.6%
Note: worst rolling return over the given time period. Returns over 1 year are annualised. Based on representative historical data of the portfolio from 2007/1/1 to 2022/12/31.
Great for working adults with higher living expenses
20%
80%
Equities
FIXED INCOME
Higher Income
Maximise your monthly payouts and grow your capital by taking more risk. Great for working adults with higher living expenses.
Higher current payouts
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
Moderate long-term capital appreciation
Take higher risk and achieve higher payout and some growth.
5.5% to 6.5%
Current target payout p.a.
Global Dividend
Stocks
20%
Stocks
20%
Cash
2%
2%
Treasuries
9%
9%
Investment
Grade Bonds
40%
Grade Bonds
40%
High Yield
Bonds
31%
Bonds
31%
STABILITY
Click “...” to expand the pie chart
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Risk Considerations
Takes higher credit default risk through exposure to high yield bonds. Also take on equity risk. Higher risk profile is commensurate with higher income payout target. Hence, periods of higher drawdowns are expected. Slightly higher variability of monthly payout is expected although it should remain relatively stable and in line with the payout target.
A long term investment horizon is recommended.
A long term investment horizon is recommended.
Worst return over different holding periods:
1 YEAR
3 YEAR
5 YEAR
10 YEAR
-25.1%
-2.7%
0.2%
2.5%
Note: worst rolling return over the given time period. Returns over 1 year are annualised. Based on representative historical data of the portfolio from 2007/1/1 to 2022/12/31.
Great for younger working adults with long-term goals
40%
60%
Equities
FIXED INCOME
Future Income
Earn some payouts and grow your capital for the life ahead by taking more risk. Great for younger working adults with long-term goals.
Payouts and growth
Balance your current income with long-term growth.
Higher capital appreciation to increase your future payout
Take higher risk to grow your future wealth with an allocation to global equities.
3.5% to 4.5%
Current target payout p.a.
Global Dividend
Stocks
20%
Stocks
20%
Global Stocks
20%
20%
Cash
1%
1%
Treasuries
8%
8%
Investment
Grade Bonds
38%
Grade Bonds
38%
High Yield
Bonds
14%
Bonds
14%
STABILITY
Click “...” to expand the pie chart
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Source: Fund manager factsheets.
Note: Data is as of Nov 2023. Portfolio composition percentages might not add up to 100% due to rounding.
Risk Considerations
Primary risk consists of duration risk (sensitivity to interest rate movement), credit default risk, and equity risk. The Portfolio takes higher equity risk than the other two to fulfill its capital appreciation potential. Hence, periods of drawdowns similar to or higher than Higher Income are expected. Higher variability of monthly payouts is expected but they smooth out on a quarterly basis and should be in line with the payout target.
A long term investment horizon is recommended.
A long term investment horizon is recommended.
Worst return over different holding periods:
1 YEAR
3 YEAR
5 YEAR
10 YEAR
-24.9%
-0.4%
1.3%
4.6%
Note: worst rolling return over the given time period. Returns over 1 year are annualised. Based on representative historical data of the portfolio from 2007/1/1 to 2022/12/31.
Sam Rhee
Chairman and CIO
Endowus
Endowus
Introducing Endowus Income Portfolios
Receive monthly payouts while growing or preserving your capital, through our life stage-based Income Portfolios.
Independently designed by our Investment Office with only best-in-class income-generating funds worldwide, we adopted an all-weather approach when constructing these portfolios to meet your real-world needs for passive income.
Read more
Introducing Endowus Income Portfolios
Receive monthly payouts while growing or preserving your capital, through our life stage-based Income Portfolios.
Independently designed by our Investment Office with only best-in-class income-generating funds worldwide, we adopted an all-weather approach when constructing these portfolios to meet your real-world needs for passive income.
Read more
Receive monthly payouts while growing or preserving your capital, through our life stage-based Income Portfolios.
Independently designed by our Investment Office with only best-in-class income-generating funds worldwide, we adopted an all-weather approach when constructing these portfolios to meet your real-world needs for passive income.
Read more
Low, fair fees
ENDOWUS fee (P.a.)
0.25-0.6%
We charge less than half the industry average
sales fees
0%
No hidden fees, ever
CASHBACK ON TRAILER FEEs
100%
We rebate it all back to you
learn more about fees
Portfolio performance, underlying funds & securities
Read more
Want to know more?
How do we calculate current payout target, estimated capital appreciation and estimated total return of the Endowus Income portfolios?
Current payout target p.a.
Current payout target is an estimated amount of money you will receive on a regular basis per annum from your Passive Income portfolio. This estimated payout is calculated based on the target fixed and variable coupons/dividends of the underlying funds in the portfolio.
Please refer to our FAQ page for more information.
Why is there a $10,000 minimum investment requirement for an Income Portfolio?
The Income portfolios seek to provide meaningful passive income for investors in the form of regular cash payouts. Investments less than $10,000 would result in cash payouts that are unlikely to be meaningful in size, and would not meet the operational requirements for distributions.
Please refer to our FAQ page for more information.
When will I receive the payouts?
You will receive the payout whenever an underlying fund in the Income Portfolio pays out a distribution.
In general, you can expect to receive payouts on a monthly basis. All funds in the Endowus Income Portfolios pay distributions on a monthly basis, except the FSSA Dividend Advantage Fund (which is included in the Future Income portfolio and pays dividends on a quarterly basis). The exact payment date varies for each fund, and that means that you may receive payout amounts on different dates in a month.
What is the asset allocation of each Income Portfolio?
Stable Income - capital preservation with stable payouts:
The Stable Income portfolio invests in 100% fixed income to provide capital preservation, mostly in higher quality and broadly diversified fixed income products. It is designed to prevent the distribution payout from eating into the capital of your long term savings and maintain stable, long term expected payouts of 4~5% p.a., with limited or no capital appreciation.
Higher Income - sustained, higher cash inflow:
The Higher Income portfolio invests in 80% fixed income and 20% equity. The portfolio is predominantly allocated to fixed income, with a skew towards higher risk and higher yielding fixed income products to increase the current expected payouts to 5~6% p.a.
Future Income - laying a foundation for the future:
The Future Income portfolio invests in 60% fixed income and 40% equity, and has a current expected payout of 3-4% p.a. It has exposure to broadly diversified and higher yielding (higher risk) fixed income funds, and a mix of dividend paying and accumulating equity funds to grow the invested capital over the long term.
Please refer to our FAQ page for more information.
View more FAQs
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