Introducing: CPF investing with Endowus
Endowus Insights

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

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

Introducing: CPF investing with Endowus

Jun 2022
Dec 2019
endowus cpf investing infographic

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, making this possible within CPF has been core to our mission. Today, we've proud to launch CPF investing. In just a few clicks, you can get started on your investment account. If you are already an Endowus client and a CPF member, just link your CPF investment account and you'll be ready to go.

First CPF platform.

We are proud to announce that Endowus is the first digital CPF investment advisor. Today, long lines at the bank, or finding a financial advisor that understands your needs are now remnants of the past.

One digital platform, 10 minutes.

You can now on-board, receive personalised advice, and start investing your CPF savings completely online via the Endowus platform in under 10 minutes.


Up to $370 of every $1,000 you earn goes to your CPF accounts. We think your hard-earned money can work harder for you.

110% ? 474%.

For most of us, investing and taking risk with our CPF makes a lot of sense. Capital markets have historically rewarded participants for taking diversified risk. Assuming a balanced portfolio return of 6% after fees, $100,000 would grow and compound to more than $574,000 after 30 years. A 2.5% interest rate (without volatility and risk) would grow to under $210,000. That is a difference in cumulative returns from 110% to 474%.

"We want to do this right. Lower costs + personalised advice = better outcomes."
  • Gregory Van, Co-CEO & COO of Endowus

Our fight for fair fees.

0% sales charges. 0% transaction fees. 100% trailer fee rebates. No hidden fees. For CPF, we charge a flat 0.40% Access Fee on your assets, which includes advice, brokerage, wrap, transaction, custodian, and rebalancing. Trailer fees usually make up around half of a fund's expense ratio and are paid by the fund management company to the distributor (i.e. the bank or brokerage platform that sold you the fund). We only want to be paid by you, so that our advice is unaffected by conflicts of interest.

Personalised advice.

All your money, CPF included, should work holistically towards your financial goals. You can access globally diversified portfolios for all your money-types - CPF, SRS, and cash on the Endowus platform, and monitor your progress in achieving your goals rolled up across all your different portfolios.

S$11 trillion + under management.

Endowus has partnered with the largest local and global fund management companies such as Vanguard, Eastspring, First State, Legg Mason, Lion Global, Natixis, Schroders, and UOB Asset Management.

Best in Class.

Endowus utilises the best CPFIS-included funds to create core portfolios at different risk levels suitable for all CPF members, and we've brought in the first passive, low-cost S&P 500 US Equity unit trust fund onto the list of CPFIS-included funds with Vanguard & Lion Global. Our endeavour to improve your ability to control and map out your financial journey has driven us to continue investing heavily in our proprietary technology platform. At heart, we are both a financial services and technology company, leveraging the best of both worlds to better serve your needs. We would love to hear your feedback about how we can bring you a better
investing experience.

Need help? We're always here.

Please reach out to us at any time at


Investment involves risk. Past performance is not necessarily a guide to future performance or returns. The value of investments and the income from them can go down as well as up, and you may not get the full amount you invested. Rates of exchange may cause the value of investments to go up or down. Individual stock performance does not represent the return of a fund.

Any forward-looking statements, prediction, projection or forecast on the economy, stock market, bond market or economic trends of the markets contained in this material are subject to market influences and contingent upon matters outside the control of Pte. Ltd (“Endowus”) and therefore may not be realised in the future. Further, any opinion or estimate is made on a general basis and subject to change without notice. In presenting the information above, none of Endowus Pte. Ltd., its affiliates, directors, employees, representatives or agents have given any consideration to, nor have made any investigation of the objective, financial situation or particular need of any user, reader, any specific person or group of persons. Therefore, no representation is made as to the completeness and adequacy of the information to make an informed decision. You should carefully consider (i) whether any investment views and products/ services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.

Investment into collective investment schemes: Please refer to respective funds’ prospectuses for details of the funds, their related fees, charges and risk factors, The listing of units of the fund on a stock exchange does not guarantee a liquid market for the units. Before making an investment decision, you are reminded to refer to the relevant prospectus for specific risk considerations.

For Cash Smart Secure, Cash Smart Enhanced, Cash Smart Ultra: It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Interest rates are indicative and subject to change at any time.

Product Risk Rating: Please note that any product risk rating (the “PRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. The PRR is subject to change from time to time. The PRR does not take into account your individual circumstances, objectives or needs and should not be regarded as advice or recommendation to purchase, hold or sell any fund or make any other investment decisions. Accordingly, you should not solely rely on the PRR in making your investment decision in the relevant Fund.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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