Performance, underlying funds & securities

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.

Genevieve Ding

Tech and sustainability strategist
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.

licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
4.8
4.8
From 640+ reviews on Seedly
licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
4.8
4.8
From 640+ reviews on Seedly

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.
local_atm
Stable and dependable monthly payouts
Generate reliable passive income to cover regular expenses.
query_stats
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%
Cash
3%
Treasuries
15%
Investment
Grade Bonds

60%
Source: Fund manager factsheets.
Note: Data is as of December 31, 2022. 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.
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.
local_atm
Higher current payouts
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
query_stats
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%
Cash
2%
Treasuries
11%
Investment
Grade Bonds

29%
High Yield
Bonds

37%
STABILITY
Click “...” to expand the pie chart
Source: Fund manager factsheets.
Note: Data is as of December 31, 2022. 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.
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.
Looking for an income solution which balances current monthly payouts with long term capital appreciation?

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.
local_atm
Payouts and growth
Balance your current income with long-term growth.
query_stats
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

21%
Global Stocks
19%
Cash
1%
Treasuries
7%
Investment
Grade Bonds

37%
High Yield
Bonds

14%
STABILITY
Click “...” to expand the pie chart
Source: Fund manager factsheets.
Note: Data is as of December 31, 2022. 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.
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.
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.
local_atm
Stable and dependable monthly payouts
Generate reliable passive income to cover regular expenses.
query_stats
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

25%
Cash
6%
Treasuries
14%
Investment
Grade Bonds

55%
Source: Fund manager factsheets.
Note: Data is as of December 31, 2022. 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.
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.
local_atm
Higher current payouts
Cover bigger payments like your mortgage, childcare and parents’ healthcare.
query_stats
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%
Cash
4%
Treasuries
12%
Investment
Grade Bonds

27%
High Yield
Bonds

38%
STABILITY
Click “...” to expand the pie chart

Source: Fund manager factsheets.
Note: Data is as of December 31, 2022. 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.
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.
local_atm
Payouts and growth
Balance your current income with long-term growth.
query_stats
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

21%
Global Stocks
19%
Cash
4%
Treasuries
5%
Investment
Grade Bonds

35%
High Yield
Bonds

16%
STABILITY
Click “...” to expand the pie chart

Source: Fund manager factsheets.
Note: Data is as of December 31, 2022. 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.
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.
Last updated Apr 2023. Figures do not include trailer fee rebates and Endowus Fee.
Current payout targets are not guaranteed and are estimates only.
See returns details & underlying funds
See returns details & underlying funds
See returns details & underlying funds

Sam Rhee

Chairman and CIO
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

Start investing in Income Portfolios

Download the Endowus app and start investing in Income Portfolios. If you would like to learn more, refer to our FAQs.

get the app

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