CPF is a large part of your income & wealth
CPF investment returns compound faster
Invest for the future, effortlessly
Are you CPF-prepared? Find out with our CPF Calculator.
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.
We are the only platform that provides 100% Cashback on trailer fees so you keep more of your returns.
Our CPF Flagship Portfolios are personalised based on your specific risk profile and wealth goals.
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.
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.
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.
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