In this webinar, hear from our leaders, Samuel Rhee, Chairman and CIO, and Gregory Van, CEO, to understand how our singular focus on our clients' success spurs us on to provide the best-in-class advice, access and fees across our platform and services. Understand how our Cash and SRS portfolios can help you achieve the investment success you deserve, when we access the most suitable product for reputable fund managers like Dimensional, PIMCO and Vanguard.
Read more about our portfolio change here.
3:43 Introduction about Endowus
14:05 About the New Endowus Cash & SRS portfolio
17:43 Our commitment to strategic passive asset allocation
27:52 The new portfolio, and the fees
32:10 Understanding FX denomination and hedging and how it works for our clients
45:16 Historical performance of portfolio
53:03 Why we believe in a passive allocation strategy, and why we don't invest in just S&P 500
57:05 The security of your money
58:57 How we only act in your best interest through rebate of trailer fees
1:06:55 Endowus versus Unit Trusts providers, versus Roboadvisors
Your questions, answered.
Q: Can I not accept this portfolio change, and can I accept the change later?
A: Yes, you can reject the portfolio change, or choose to accept the change later on. You will still be able to do recurring monthly investments into the same portfolio if you do not accept the change.
Q: Investing a lump sum versus dollar-cost averaging, which should we do?
A: Over a year, the market has around a 60% chance of increasing. In general markets go up, so lump sum investing has a higher chance of making higher returns. However, it might be prudent to space out your investments, for example, investing 50% of your lump sum across 3 months, then investing the remaining 50% another 9 months so you are fully invested within a year
Q: Why are the highest weightage funds for the Equity Portfolio highly correlated?
A: We aim to create a portfolio that is globally diversified and is market cap-weighted to capture market returns without over or underexposing geographical risk. It just so happens that the US market is the largest by market capitalisation, and that both the S&P 500 and the Dimensional Global Core Equity Fund have overlapping US exposure, and by nature developed markets are highly correlated to the US market.
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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