Leap into prosperity this CNY 💰     Get an $88 head start to growing your wealth.

Leap into prosperity this CNY 💰Get an $88 head-start to growing your wealth.

Loo Cheng Chuan

Founder, 1M65 Movement and Endowus client

Grow your CPF.

Invest your CPF in best-in-class funds with Endowus – Singapore's 1st CPF digital advisor.

licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
From 640+ reviews on Seedly

Loo Cheng Chuan

Founder, 1M65 Movement
 and Endowus client
licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
From 640+ reviews on Seedly

Why take charge of your CPF investments

CPF is a large part of your income & wealth

Mandatory CPF contributions take up to 37% of your gross salary and bonuses. This can form a large part of your wealth and retirement savings.

CPF investment returns compound faster

You may achieve higher returns with CPFIS investments, especially if you invest in an equity portfolio for a bigger retirement nest egg.

Invest for the future, effortlessly

CPF withdrawals only start at 55, which means that for most CPF members, you can ride out market volatility and grow your money for the long term.

Are you CPF-prepared? Find out with our CPF Calculator.

Why invest your CPF with Endowus

Exclusive access to funds

Invest in low-cost index funds, such as the S&P 500, many which are only available on Endowus. Invest in best-in-class funds selected using our SMART+ framework.

100% Cashback on trailer fees

We are the only platform that provides 100% Cashback on trailer fees so you keep more of your returns.

Expert advice on CPFIS products

Our CPF Flagship Portfolios are personalised based on your specific risk profile and wealth goals.

Want to know more about CPF investing?

How do I start investing my CPF savings with Endowus?

Endowus offers advised portfolios that you may use your CPF Ordinary Account (OA) to invest in. As the first CPF digital advisor, investing your CPF with Endowus can be done entirely online by linking your Endowus account with your CPF Investment Account.

Here are the steps in detail:

Create a CPF Investment Account (CPFIA) with any of the 3 local agent banks (DBS, OCBC, and UOB).

Pass the Customer Knowledge Assessment (CKA), a regulatory requirement that ascertain a potential investor's financial knowledge before investing in our CPF

Create your Endowus investment account using your SingPass, or simply log in if you have an existing account.

Choose your CPFIS portfolio based on your risk appetite.

How much CPF OA monies can I invest?

You can invest all of your CPF Ordinary Account balance above the maintenance balance of S$20,000. For example, if you have $50,000 in your CPF OA, you may use up to $30,000 of this for investing via the Endowus platform. To find out how much of your CPF OA savings you can invest, please log in to myCPF Online Service or visit the CPF website for more details.

Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing my CPF through Endowus?

As with all investing, there are no guarantees and you must be comfortable taking some risks. This is in contrast with the interest guarantee provided by the Singapore Government for money left in your CPF accounts. If capital preservation is your primary concern, you may wish to consider leaving your CPF monies uninvested.


Endowus aims to help you invest with the highest probability of success. Historical data shows that over the long-term, investing in a broad market exposure portfolio is more likely to show positive returns. While there are no guarantees in investing, we believe in the power of markets and long-term investing to deliver a better outcome than the 2.5% p.a. CPF-OA interest.

Who can invest under CPFIS?

You can invest under CPFIS if you are:

1. A CPF memberAged 18 and above

2. Not an undischarged bankrupt

3. Holding more than S$20,000 in your CPF Ordinary Account

4. Not holding an existing CPF Investment Account with another bank

View more FAQs

Let’s talk about your money.