Investors struggle with too many options - a growing array of investment platforms, a never-ending list of funds, and complicated fee structures.
In this session, Gregory Van (Founding Partner) and Samuel Rhee (Chairman and CIO) introduce our latest investment solution, Endowus Fund Smart, and how it makes a world of difference in helping you customize your ideal investment portfolio.
0:00 Introduction to Endowus
8:46 Introducing Endowus Fund Smart
11:31 Endowus Fund Manager and Fund Selection Process, tools and functions of Fund Smart
18:41 Using Endowus to create a Core and Satellite Investment portfolio
20:50 Customising your own Cash Smart Solution
23:25 Introducing Endowus Ultra Defensive Portfolio of Bond Funds
26:44 Single Fund Manager (Dimensional/PIMCO) Portfolios
29:33 Misalignment of interest with traditional platforms
33:36 Cost Comparison of Endowus vs other platforms
38:37 QnA Part 1
43:34 Walkthrough of Endowus Fund Smart -100% Passive CPF Portfolio
50:56 Walkthrough of Endowus Fund Smart -Safe Cash Goal and Single Fund Manager
56:11 QnA Part 2
59:18 Explaining the Endowus Ultra Defensive Portfolio
1:03:10 QnA Part 3
Q: Can I select the Endowus Ultra Defensive Portfolio directly? How do I choose the funds in Endowus Fund Smart? (38:37)
Sam: We are working on functions such as a dropdown list of Model portfolios will be made available in the future. This will allow users to choose whole portfolios instead of individual funds. We are also working on a fund screener.
For questions on specific funds, you go read through our fund rationales, where the Endowus Investment Office explains why we choose these funds.
Understanding the intricate details of the funds are not easy, and that is why we recommend clients to invest in the Endowus Advised Portfolios. For most of the investors you should start off with the off the rack globally diversified portfolios for both equities and bonds. We have optimised this for you so you do not have to use Fund Smart to figure your portfolio out and decide which funds are the best.
Note: You can read up more about how to choose the funds here.
Q: Are you planning to dish out more markets-related advice for users of fund smart? (57:53)
Sam: Endowus investment philosophy is not about timing the markets, even though I have the experience managing portfolios based on market views. We have done webinars on the divergence of the markets and economy, and market commentary on both Endowus Live and Insights.
Market views do not matter for most people who invest in long term portfolios, which are most of our clients. We encourage you to invest passively for the long term in your asset allocation portfolios. For most of the investors, we do not suggest taking active buy/sell positions in the funds.
Get the latest updates on Endowus Fund Smart here.
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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