Introducing Endowus Fund Smart - build your own best-in-class investment portfolio, guided and advised by the Endowus team
Endowus Insights

Introducing Endowus Fund Smart - build your own best-in-class investment portfolio, guided and advised by the Endowus team

Updated
23
Jun 2022
published
22
Oct 2020
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Introducing Endowus Fund Smart - build your own best-in-class investment portfolio, guided and advised by the Endowus team

Today, we are excited to introduce Endowus Fund Smart* - A new investment solution on the Endowus wealth platform that allows you to build customisable portfolios with direct access to curated institutional best-in-class funds from the world's leading asset managers.

Our core suite of model advised portfolios remains the best way to gain globally diversified, low-cost market exposure to generate long term returns. However, we have listened to many current and potential clients and we recognise that each person has varying needs, personal circumstances and different goals requiring different levels of customization.

There is too much choice available to us with thousands of funds - unit trust and ETF - to choose from. It is our job at Endowus to get through the noise and hand-pick a short list of best-in-class funds, at the lowest cost achievable, so you can create personalised portfolios suitable for your goals. So here's what can you do on the Endowus Fund Smart platform:

  1. You can build a fully customised portfolio based on your risk tolerance or you can work off our advised portfolios and tweak allocations or even adopt our model portfolios. It's your portfolio, so the choice is yours.
  2. Complete flexibility to choose the best funds at your fingertips - screened and curated by the Endowus Investment Office.
  3. You can also invest into a single fund to your portfolio, sometimes exclusively available to you at Endowus, to complement our advised portfolios.
  4. All at the lowest cost achievable with our trademark zero sales charge, zero trailer fee institutional funds (or 100% trailer fee rebates on retail funds), at costs that only large institutions or high net worth clients get access to.
infographic comparing endowus and other fund platforms

Access Model Portfolios with Endowus Fund Smart

You can utilise the Endowus Core+ strategy of using our globally-diversified, low-cost advised portfolios as the core allocation to equities and fixed income, plus Fund Smart to create satellite portfolios to best suit your needs, risk, and goals.

For satellite portfolios, you can also use model portfolios on the Fund Smart Platform, under the recommendation of Endowus Investment Office.

infographic on a holistic endowus core+ portfolio

More specific use cases of Fund Smart and model portfolios for you would include the following:

1. Customised Endowus Advised Portfolio

Customise the risk levels and asset allocation of existing Endowus advised portfolios. Previously you had a choice of 6 risk weightings but now a 50:50 or a 70:30 portfolio or any risk weighting of your choice can be created on Fund Smart.

Endowus Cash/SRS Core Advised Portfolios and Risk-based asset allocations

Table on endowus cash/srs core advised portfolios and risk-based allocations

Endowus CPF-OA Core Advised Portfolios and Risk-based asset allocations

Table of Endowus CPF-OA Core Advised Portfolios and Risk-based asset allocations

2. Endowus Ultra Defensive Bond Portfolio

We are launching a new "Ultra Defensive Portfolio" positioned between a 100% fixed income and our Cash Smart liquidity management accounts, to be a better than cash but safer than fixed income portfolio if you want to boost yield to higher than Cash Smart, or you want to protect your capital and avoid volatility in the short term. A follow-up of our model portfolios can be found here.

3. DIY Cash Management Solutions

Create or replicate any kind of Cash Management Account with an appropriate risk and target yield in mind. You can create or replicate any cash solutions from Robos or other fund platforms here - all simply created on Fund Smart on the Endowus platform. Thereby seamlessly linking your short term cash liquidity management with your investment management across Cash, SRS and CPF all together. There is no need to go anywhere else knowing the costs will be the lowest available.

Endowus Fund Smart means you can create or replicate any cash solutions out there or even build another new higher yielding cash management portfolio for yourself

(All the examples below can be created at the lowest fund level fees right here on Fund Smart)

make your own cash management solution with fund smart

4. Single Fund Manager Model Portfolios

You can create a portfolio from a single fund manager. For example, a 100% Dimensional only equities or multi-asset portfolio or a 100% PIMCO fixed income portfolio.

5. Other Thematic Investing Options

There are many more options and choices and model portfolios to be released in the future. These can include things like, sector or thematic funds - ESG(Environment, Social, Governance) or SRI(Socially Responsible Investing) options, Technology, Dividends, Income, Real Estate, Commodities, etc.

Great fund management is not new - at Endowus, we stand on the shoulders of giants, working with the largest global and local asset managers with proven track records, safeguards, and efficiencies of scale rather than trying to reinvent the wheel.

All of the best strategies and funds are immediately available on Fund Smart, from names that your familiar with, such as Dimensional, PIMCO, Vanguard, Schroders, Franklin Templeton, Eastspring, Fidelity, Aberdeen Standard, PineBridge, Legg Mason, First Sentier, Fullerton, Lion Global, Nikko, and UOB Asset Management.

We started Endowus on a mission to help people save and invest better and prepare for their future, so they can live easier today, and better tomorrow. Today, thousands entrust their wealth with Endowus - investing Cash, CPF & SRS in optimised portfolios designed for their wealth goals.

We are constantly looking at ways to invest better by:

  • Providing direct and curated access to institutional share-class, trailer-free funds from the world's leading asset managers (list below)
  • Helping you understand the expected returns and risks of a portfolio
  • Automated monitoring and rebalancing, all the time
  • Keeping fees as low as possible with no sales fees, no transaction fees, and Endowus' industry-first 100% trailer fee rebates
  • Ensuring safety and security with assets held securely in my own name, at UOB Kay Hian, Singapore's largest broker
  • Delivering convenience on the 100% digital Endowus platform, investible with Cash, CPF & SRS

For an in-depth analysis by our investment office on how Fund Smart is instrumental to your total investment portfolio, please click here.

How to start using Fund Smart

Fund Smart can only be accessed by new & existing Endowus clients. For new clients you can get going by opening an account at Endowus.com or by clicking on the button below. For existing clients please follow the instructions below;

  1. Simply log in to your Endowus account;
  2. Add a new goal;
  3. Select "Fund Smart" and follow the instructions

<btn-link>Get Fund Smart<btn-link>

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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 Endow.us 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.

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Introducing Endowus Fund Smart - build your own best-in-class investment portfolio, guided and advised by the Endowus team

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