Endowus Insights

Introducing: CPF investing with Endowus

Why did we start Endowus? We started Endowus with a singular focus: to make the best investment advice and products accessible to all of us. In the context of our beautiful home Singapore,

CPF

How to open a CPF Investment Account online in minutes

We have partnered with UOB to bring you a better experience in investing your CPF funds. You can now open a CPF-IA with UOB entirely online in a seamless manner in just minutes.

Investing

How does Endowus calculate performance and what return metrics do we use?

How to calculate dollar value gain or loss, total return, time-weighted rate of return, and annualised internal rate of return

Investing

How to think about currency exposure for your portfolio

I have a confession to make. There’s a small drawer tucked away in my house where I have amassed a collection of ziplock bags, each with the remaining foreign currencies of different

CPF

Guide to using your CPF to buy a house

You can use your CPF Ordinary Account (OA) savings to buy a new or resale HDB flat, or private residential property. However, the government has put in place certain limits on using CPF savings for housing to ensure you will have sufficient savings to meet your retirement needs.

Behaviour

Burn the password

Fidelity conducted an internal study and found that individual investors who did the best were the ones who forgot they had an account. (Business Insider)There are many possible explanations, but the simplest

Personal finance

Get a head start on the most important thing in personal finance

The ultimate questions we must answer are: When we stop working and enter retirement, do we have enough saved to live a quality of life that we desire into our old age? Will we be able to provide for our loved ones and not worry about whether we will outlive your savings?

SRS

6 myths about the Supplementary Retirement Scheme (SRS)

Most of us living in Singapore are familiar with CPF - it’s where a large portion of our paycheck goes to every month. But we may not be as familiar with the Supplementary Retirement Scheme (SRS). Here are 6 myths you may have heard – and believed – about SRS accounts:

CPF

Should a new Singapore Permanent Resident make voluntary contributions to CPF accounts?

As a new Singapore Permanent Resident, one of the greatest benefits is that you’re entitled to participate in Singapore’s pension system CPF. Here are a few reasons why you should consider topping-up your CPF accounts on your own as a new PR to grow your retirement nest egg.

Behaviour

Losing hurts more

Loss aversion is a cognitive bias that plays out in all parts of our lives, from staying in a dead-end job far longer than we should, to stopping us from making smart money decisions

CPF

CPF allocation rates: How it changes as you grow older

Living in Singapore, many of you should be familiar with the Central Provident Fund (CPF). Akin to a “forced savings” scheme, the CPF is a mandatory social security system that enables working Singapore

Investing

Endowus Quarterly | Q2 2019

Reversal of fortunesThe most surprising reversal coming into 2019 was not in the two Champions League semi-finals where Spurs and Liverpool both upended their more favored opponents, Barcelona and Man City in dramatic

CPF

4 things you need to know to better help your parents manage their CPF accounts

Your parents have worked hard all their lives, and are now looking forward to the next chapter of their lives as they reach retirement age. Their CPF funds may be an important determinant

ETFs & Funds

The first index fund, ever, and an introduction to Dimensional Fund Advisors (DFA)

You can think of the birth of index investing and what Dimensional continues doing today as just a part of the investing evolution, as curious scientists and practitioners continue to pursue the truth in the hope of a better future.

SRS

Should you invest for retirement using your Supplementary Retirement Scheme (SRS) account?

Singapore government has implemented the Supplementary Retirement Scheme (SRS) as one of the ways to encourage Singaporeans to be better prepared for retirement over and above their CPF savings. Here are a few things to consider if you are looking to invest for retirement using SRS:

CPF

The Nanny State, Crazy Rich Asians and lessons for your retirement plan

‘These people aren’t just rich, they’re crazy rich.’ - Crazy Rich AsiansSingapore gets called many things: Garden City, Lion City, the Singapore Miracle, etc. Of its many nicknames, I'm sure the

Personal finance

Champions League Glory and Retirement

Whether you are a soccer player for the best teams in the world, or the best engineer, or in management at the biggest companies around the world, when our career ends and we enter retirement, we are faced with the same reality. We will live with whatever we’ve earned, saved and invested.

CPF

Guide to understanding fees for investing in unit trusts under the CPF Investment Scheme (CPF-IS)

The CPF Investment Scheme (CPF-IS) allows CPF members the option of investing their CPF savings in various investment products such as stocks, bonds, unit trusts (mutual funds), fixed deposits and insurance. Here’s a look at the fees and sales charges to invest in unit trusts via CPFIS:

CPF

Here Are 6 Things You Can Do With Your CPF Accounts

While CPF contributions are primarily meant for you to accumulate enough money to enjoy your retirement, there are a few ways to withdraw your CPF monies and use them prior to retirement if you need the extra money.

Personal finance

Goals-based investing and why it matters

When you invest with a defined purpose of achieving a certain goal, you can better identify the right strategy, how much you need to invest and the appropriate level of risk to take to get you there.

CPF

What you need to know before investing your CPF

One of the ways to grow your retirement funds over the long-term is to invest your CPF. But before you proceed to invest your CPF savings, you should first understand a few important things about the CPF Investment Scheme (CPFIS).

Investing

Raja Ampat and the rewards of time rather than timing

Raja Ampat lies on the edge of the Indonesian archipelago off the west coast of Papua. Apart from having the greatest marine biodiversity on the planet, magical coral gardens, and lots of fish, Raja is a stomping ground for the ginormous oceanic manta.

Behaviour

Is it time to kick your coffee habit?

But if you take a step back for a second - it really adds up! If you have a coffee a day, that's $1,825 a year. In fact, a survey by Acorns found that 40% of Americans spend more on coffee than they invest!

Investing

Markets are roaring back, which begs the question...

Especially when markets rally, the crowd divides into largely these two main camps. Those driven by greed and fear. These are primitive and natural desires that drive the impulse to chase market rallies or to lock-in the profits and flee.

Personal finance

The real cost of staying in cash

If your cash deposits are yielding ~1%, you’re losing purchasing power every year due to inflation. Holding a sizable portion of your portfolio in cash will cost you over the long-term.

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