Benjamin Kheng

Treasury management and institutional advisory services
Get daily liquidity with our cash management and customised investment solutions for corporates.
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Jackie Lee

Benjamin Kheng

Jackie Lee

Benjamin Kheng
Invest in exclusive institutional funds with dedicated advisory services
Our Investment Office will tailor a treasury management or investment solution that suits your company’s needs*.
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*For accredited investor corporate client
Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of Asia's largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets.
You will be assigned a dedicated advisor to serve your account and provide ongoing advice and service.*
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*For accredited investor corporate client
Endowus does not add a spread or take a cut for any FX charges, so you can convert currency cost efficiently.
Make your corporate cash work smarter for you
Endowus Cash Smart helps you access the best cash, money market, and short duration bond funds in the industry, at the lowest cost achievable. You will be provided with an advised portfolio suitable for your goals so your money never goes a day without working
High yield. Low fees.
Choose from three portfolios to cater to your organisation's investment horizon, risk appetite or when you might require cash for your next capital expenditure.
Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best-performing money market funds.
- 50% Fullerton SGD Cash Fund
- 50% LionGlobal SGD Enhanced Liquidity
Suitable for immediate and near-term cash needs. Key focus is capital preservation with good yield.Â
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Absolute fall in value (drawdowns) are highly unlikely, with any negative returns expected to be minimal.
How is this range calculated?
p.a. after all fees
Enhanced combines a short duration fund with two cash and money market funds to target a higher yield than Secure.
- 50% UOB United SGD Fund
- 30% LionGlobal SGD Enhanced Liquidity
- 20% Fullerton SGD Cash Fund
Suitable for both near-term and mid-term cash needs. Balanced portfolio with higher yield than Secure with a slight increase in risk.Â
Drawdowns can occur more frequently and for longer periods than Secure, although the negative returns are expected to be minimal compared to Ultra.
How is this range calculated?
p.a. after all fees
Ultra aims to provide the highest yield among the three Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.
- 10% Fullerton Short Term Interest Rate Fund
- 10% LionGlobal Short Duration Fund
- 10% PIMCO Low Duration Income Fund
- 15% Fullerton SGD Cash Fund
- 20% LionGlobal SGD Enhanced Liquidity Fund
- 35% UOB United SGD Fund
Suitable for mid-term cash needs and may result in the need to hold on for longer during periods of volatility to achieve higher yield.Â
Drawdowns can be sharper with a prolonged recovery period compared to Enhanced, although the maximum negative returns are expected to be in the low single digits. Negative months can occur when fixed income markets fall.
How is this range calculated?
p.a. after all fees
Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best-performing money market funds.
- 50% Fullerton SGD Cash Fund
- 50% LionGlobal SGD Enhanced Liquidity
Suitable for immediate and near-term cash needs. Key focus is capital preservation with good yield.Â
‍
Absolute fall in value (drawdowns) are highly unlikely, with any negative returns expected to be minimal.
How is this range calculated?
Enhanced combines a short duration fund with two cash and money market funds to target a higher yield than Secure.
- 50% UOB United SGD Fund
- 30% LionGlobal SGD Enhanced Liquidity
- 20% Fullerton SGD Cash Fund
Suitable for both near-term and mid-term cash needs. Balanced portfolio with higher yield than Secure with a slight increase in risk.Â
Drawdowns can occur more frequently and for longer periods than Secure, although the negative returns are expected to be minimal compared to Ultra.
How is this range calculated?
Ultra aims to provide the highest yield among the three Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds.
- 10% Fullerton Short Term Interest Rate Fund
- 10% LionGlobal Short Duration Fund
- 10% PIMCO Low Duration Income Fund
- 15% Fullerton SGD Cash Fund
- 20% LionGlobal SGD Enhanced Liquidity Fund
- 35% UOB United SGD Fund
Suitable for mid-term cash needs and may result in the need to hold on for longer during periods of volatility to achieve higher yield.Â
Drawdowns can be sharper with a prolonged recovery period compared to Enhanced, although the maximum negative returns are expected to be in the low single digits. Negative months can occur when fixed income markets fall.
How is this range calculated?
Comparing cash management funds, fixed deposits and T-bills
Our customised solutions for your organisational needs
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Low, fair fees
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FAQ
Our fees are inclusive of all custody, brokerage, transaction, rebalancing and advisory fees. There is no onboarding or account closing fee with our solutions.
Our minimum investment typically starts at $500,000. Please reach out to us so we can better understand your business needs.
Your firm’s net assets must exceed S$10,000,000 in value as determined by your most recent audited balance-sheet/ balance sheet, otherwise, your corporation’s entire share capital is owned by one or more persons, all of whom are accredited investors as defined in section 4A of the Securities and Futures Act.