SMART

+

investing

Like an expert, with experts

licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
double-ledger secure:
assets held in your own name at
Endowus & UOB Kay Hian

Min Axthelm

Director of
Investment Research

Sean Wong

Head of
Investments

Yulin Liu

Investment Lead

Endowus is unique because we only use best-in-class funds as building blocks for all portfolios. We select these funds by implementing a strict, institutional-grade screening process that is rigorous, thorough, and continuous — we call this SMART+.

Samuel Rhee
Chairman & Chief Investment Officer
Endowus

Our proprietary fund selection framework

Click to expand each section of the funnel
1
The Endowus Investment Office starts off by defining the investable fund universe and ensuring all suitable investment asset classes are covered. Thousands of funds offered by hundreds of fund managers are run through our proprietary quantitative screen.
2
This methodical, scientific, and standardised process helps us select the hundreds from the thousands across the globe, including funds that may not yet be available in Singapore, based on which funds have a track record of proven risk-adjusted returns.
3
Shortlisted funds go through a proprietary due diligence process, which includes rigorous qualitative and quantitative assessments of the investment firm, team, framework, process, and performance of the fund, as well as fee structures and business practices.
4
At the end of the multi-week assessment, we produce a detailed and proprietary questionnaire for shortlisted funds. Funds that find themselves at the top of the list are onboarded onto the Endowus platform.
5
Funds within the Endowus platform are continuously tracked and monitored by the Investment Office on an ongoing basis around the 4 Ps - performance, people, process or philosophy. This tracking includes monthly performance and position monitoring, in-depth quarterly reviews, an annual due diligence questionnaire refresh, and adhoc assessments.
6
The Endowus fund selection framework is more than just SMART. By instituting an extensive and rigorous due diligence process, we curate funds in each category to bring you only those that are best-in-class. The Investment Office then creates optimised portfolios and bespoke solutions for our clients. This process is holistic and continues to evolve in order to meet an ever changing investment landscape.
1
The Endowus Investment Office starts off by defining the investable fund universe and ensuring all suitable investment asset classes are covered. Thousands of funds offered by hundreds of fund managers are run through our proprietary quantitative screen.
2
This methodical, scientific, and standardised process helps us select the hundreds from the thousands, based on which funds have a track record of proven risk-adjusted returns.
3
Shortlisted funds go through a rigorous due diligence process, which includes qualitative and quantitative assessments of the investment firm, team, framework, process, and performance of the fund, as well as fee structures and business practices.
4
At the end of the multi-week assessment, we produce a detailed and proprietary questionnaire for shortlisted funds. Funds that find themselves at the top of the list are onboarded onto the Endowus platform.
5
Funds within the Endowus platform are are continuously tracked and monitored by the Investment Office on an ongoing basis. This tracking includes monthly performance and position monitoring, in-depth quarterly reviews, an annual due diligence questionnaire refresh, and adhoc assessments.
6
The Endowus fund selection framework is more than just SMART. By instituting an extensive and rigorous due diligence process, we curate funds in each category to bring you only those that are best-in-class. This process is holistic and continues to evolve in order to meet an ever changing investment landscape.
Becoming a signatory to the UN PRI (Principles for Responsible Investment) is a step in our journey towards incorporating sustainable and responsible investing into our process. As a PRI signatory, Endowus is committed to upholding the six PRI principles and contributing to make responsible investing more transparent and accessible.
Becoming a signatory to the UN PRI (Principles for Responsible Investment) is a step in our journey towards incorporating sustainable and responsible investing into our process. As a PRI signatory, Endowus is committed to upholding the six PRI principles and contributing to make responsible investing more transparent and accessible.

Your wealth in safe hands

Preserve and grow your wealth with our team of investment experts, with 150+ years of investment experience across public & private market investing, family office, and wealth management.

Meet our investment team

Samuel Rhee
Chairman & Chief Investment Officer,
ex-CEO and CIO of Morgan Stanley IM
Sean Wong
Head of Investments, ex-Morgan Stanley
Min Axthelm
Director of Investment Research, ex-Dimensional Fund Advisors
Yulin Liu
Investment Lead, ex-AQR Capital Management
Yuhan Tan
Investment Lead, ex-Mercer
Sean Hu
Investment Lead, ex-BNP Paribas
Ludovic de Pampelonne
Investment Associate, ex-AXA Inv Mgrs
Kyungju Hong
Investment Associate
Jie Shun Yeow
Investment Analyst, ex-Societe Generale
Samuel Rhee
Chairman & Chief Investment Officer,
ex-CEO and CIO of Morgan Stanley IM
Sean Wong
Head of Investments, ex-Morgan Stanley
Min Axthelm
Director of Investment Research, ex-Dimensional Fund Advisors
Yulin  Liu
Investment Lead, ex-AQR Capital Management
Yuhan Tan
Investment Lead, ex-Mercer
Sean Hu
Investment Lead, ex-BNP Paribas
Ludovic de Pampelonne
Investment Associate, ex-AXA Inv Mgrs
Kyungju Hong
Investment Associate
Jie Shun Yeow
Investment Analyst, ex-Societe Generale

With over

$2,000,000,

in client assets and counting

Want to know more?

How is Endowus Investment Office different from robo advisors?

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
portfolios.

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.

Why does Endowus choose strategic asset allocation over tactical asset allocation?


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.

What is Endowus Fund due diligence process?

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.

What is Endowus portfolio allocation process?

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