Benjamin Kheng

Artist, creative director, and Endowus client

Treasury management and institutional advisory services

Get daily liquidity with our cash management and customised investment solutions for corporates.

Invest in your future-you

Get expert-advised portfolios, customised to you. Invest towards all your life goals in just a few clicks.

licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
double-ledger secure:
Assets held in your corporate's Name at
Endowus & UOB Kay Hian
MAS
licensed & regulated
i
licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
Endowus & UOB KH
double-ledger secure
i
double-ledge secure:
assets held in your corporate's name at
Endowus & UOB Kay Hian

Jackie Lee

Founder of HardwareZone and Endowus client

Benjamin Kheng

Artist, creative director, and Endowus client

Jackie Lee

Founder of HardwareZone and Endowus client

Benjamin Kheng

Artist, creative director, and Endowus client

S$700M+

SG Corporate
client assets*

150+

Number of
corporate accounts*
Trusted by SMEs, charities,
associations & family offices
*As of 12 August 2025

S$700M+

SG Corporate client assets*

150+

Number of corporate accounts*
Trusted by SMEs, charities, associations & family offices
*As of 12 August 2025

Invest in exclusive institutional funds with dedicated advisory services

Contact Us
Low-risk, liquid solutions

Get low-cost, low-risk cash management options in SGD, USD, AUD, CHF, EUR and GBP.

Institutional 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

Safety of your assets

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.

Dedicated Corporate Relationship Manager

You will be assigned a dedicated advisor to serve your account and provide ongoing advice and service.*

‍

*For accredited investor corporate client

Competitive FX rates

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

What are the underlying funds and holdings in Cash Smart?
0.13% p.a
Saving deposits

1.7% to 1.9% p.a.*

Secure

2.5% to 2.7% p.a.*

Enhanced

2.6% to 2.8% p.a.*

Ultra
projected yields
View details

*Not guaranteed. Projected yields calculated as of 31 Aug 2025.

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
Lowest risk portfolio
Stable & sound

Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best-performing money market funds.

Underlying funds
  • 50% Fullerton SGD Cash Fund
  • 50% LionGlobal SGD Enhanced Liquidity
Risk considerations

Suitable for immediate and near-term cash needs. Key focus is capital preservation with good yield. 

‍

Absolute fall in value (drawdowns) are highly unlikely, with any negative returns expected to be minimal.

Historical max lossi
-0.05%
Projected yield p.a.
How is this range calculated?
2.0% to 2.2%
Fund-level fees after Cashback
(0.16%)
Endowus Fee
(0.15%)
Projected yield
p.a. after all fees
1.7% to 1.9%
Enhanced
Enhanced yield

Enhanced combines a short duration fund with two cash and money market funds to target a higher yield than Secure.

Underlying funds
  • 50% UOB United SGD Fund
  • 30% LionGlobal SGD Enhanced Liquidity
  • 20% Fullerton SGD Cash Fund
Risk considerations

Suitable for both near-term and mid-term cash needs. Balanced portfolio with higher yield than Secure with a slight increase in risk. 


Drawdowns can occur more frequently and for longer periods than Secure, although the negative returns are expected to be minimal compared to Ultra.

Historical max lossi
-1.52%
Projected yield p.a.
How is this range calculated?
2.89% to 3.09%
Fund-level fees after Cashback
(0.25%)
Endowus Fee
(0.15%)
Projected yield
p.a. after all fees
2.5% to 2.7%
Ultra
Highest yield

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.

Underlying 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
Risk considerations

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. 


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.

Historical max lossi
-3.14%
Projected yield p.a.
How is this range calculated?
3.02% to 3.22%
Fund-level fees after Cashback
(0.28%)
Endowus Fee
(0.15%)
Projected yield
p.a. after all fees
2.6% to 2.8%
Secure
Lowest risk portfolio
Stable & sound

Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best-performing money market funds.

Underlying funds
  • 50% Fullerton SGD Cash Fund
  • 50% LionGlobal SGD Enhanced Liquidity
Risk considerations

Suitable for immediate and near-term cash needs. Key focus is capital preservation with good yield. 

‍

Absolute fall in value (drawdowns) are highly unlikely, with any negative returns expected to be minimal.

Historical max lossi
-0.05%
Projected return p.a.
How is this range calculated?
2.0% to 2.2%
Fund-level Fees after Rebates
(0.16%)
Endowus Access Fee
(0.15%)
Projected return p.a. after all fees
1.7% to 1.9%
Enhanced
Enhanced yield

Enhanced combines a short duration fund with two cash and money market funds to target a higher yield than Secure.

Underlying funds
  • 50% UOB United SGD Fund
  • 30% LionGlobal SGD Enhanced Liquidity
  • 20% Fullerton SGD Cash Fund
Risk considerations

Suitable for both near-term and mid-term cash needs. Balanced portfolio with higher yield than Secure with a slight increase in risk. 


Drawdowns can occur more frequently and for longer periods than Secure, although the negative returns are expected to be minimal compared to Ultra.

Historical max lossi
-1.52%
Projected return p.a.
How is this range calculated?
2.89% to 3.09%
Fund-level Fees after Rebates
(0.25%)
Endowus Access Fee
(0.15%)
Projected return p.a. after all fees
2.5% to 2.7%
Ultra
Highest yield

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.

Underlying 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
Risk considerations

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. 


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.

Historical max lossi
-3.14%
Projected return p.a.
How is this range calculated?
3.02% to 3.22%
Fund-level Fees after Rebates
(0.28%)
Endowus Access Fee
(0.15%)
Projected return p.a. after all fees
2.6% to 2.8%

*Not guaranteed. Projected yields calculated as of 31 Aug 2025.

Comparing cash management funds, fixed deposits and T-bills

Instrument characteristics
Cash management funds on Endowus
Fixed deposits
T-bills
Capital Guarantee
No
Yes, by SDIC for first 100k per bank
No, but backed by sovereign rating
Yield Type
Floating; fluctuates when market rate changes
Fixed; depends on the bank
Auctioned; may be higher or lower than benchmark
Lock-up
No
Yes; may have penalty for early withdrawl
Can be sold, but with a spread
Duration
Less than 1 year
Months or years
6 months or 1 year
Application Time
Days
Days
Up to 14 days before auction + 3 days after auction

Our customised solutions for your organisational needs

Family Office
Charity
Small Medium Enterprise
A newly established single-family office for a Southeast Asian family, predominantly invested in real estate across Southeast Asia, sought to adopt an institutional approach to preserve and grow their family wealth. They reached out to Endowus for assistance. We tailored a ~SG$5 million portfolio spanning public markets, private markets, and alternative investments, including private equity, hedge funds, and private credit, to help them diversify their portfolio effectively.
A charity with IPC status serving the youth community conducted a Request for Proposal (RPF) with fund and investment managers for a mandate of SGD $10 million. They required a mix of equity and fixed income funds, aiming for higher returns than fixed deposits. The Endowus Team advised them to invest in a mix of Cash Smart Secure and a customised equity/fixed income portfolio aligned with their risk appetite.
A small business owner contacted us to achieve higher returns than fixed deposit rates with greater flexibility. They were open to investing in low-risk, liquid money market fund solutions and were keen to explore short-duration bond funds. The Endowus team presented the suite of Endowus Cash Smart solutions. The owner decided to invest in a customised mix of cash management products.

Our client success story

SME
Non-profit
Family Office

Jackie Lee, CEO clickTrue Pte Ltd

Endowus offers personalised service for my corporate account at a low, transparent fee that my firm was not able to obtain through corporate banking accounts. I also get a wide range of investment tools that can be used for working capital management.

XXX, CFO, Charity YYY

My charity can obtain very low-risk money market funds for my short-term cash holdings with high liquidity. One of the key advantage of using Endowus is that the assets are safely custodised in my charity’s own legal name with UOB Kay Hian.

Non-profits and charities are eligible for a preferential rate.

YYY, CIO, Family Office

I have a wide variety of investment instruments, denominated and hedged in major currencies. I also have access to a dedicated advisor to service my account, which is what I struggle to get with private banks at my account size.

Low, fair fees

cash management solutions
0.15%* p.a.
Across all different currency solutions
advised portfolios
0.25%-0.6% p.a.
Based on net invested amount
CASHBACK ON TRAILER FEEs
100%
We rebate it all back to you

Connect with us to find out more about our Endowus Business Solutions

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FAQ

What kind of entities can start a corporate account with Endowus?

Most non-US incorporated companies will be able to open a corporate account with Endowus, although additional documentation may be required.

What does Endowus Fee include?

Our fees are inclusive of all custody, brokerage, transaction, rebalancing and advisory fees. There is no onboarding or account closing fee with our solutions.

What is the minimum investment amount for corporate accounts?

Our minimum investment typically starts at $500,000. Please reach out to us so we can better understand your business needs.

Does my firm qualify as an Accredited Investor?

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.