Terms & Conditions

This offer applies to "Qualifying New Accounts" (as defined below). Endowus will award fee credits which will be used to waive a given amount of its fees applicable to your Endowus account. For the avoidance of doubt, this does not affect your fund-level fees due to the fund manager.

A "Qualifying New Account" is a new individual Endowus account opened using the specially designated link and funded with an initial investment of at least S$1,000, provided that the initial investment is not withdrawn for 90 days.

This offer is not valid with any other offers and is not transferable, may not be transferred to another person or exchanged for cash. You are responsible for any tax consequences, if any, that may result from your redemption or use of fee credits. This offer is available to Singapore residents only. Endowus reserves the right to terminate or extend this offer at any time for any reason, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any offer award if Endowus determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any rules or regulations would be violated, or that any terms of the Endowus Platform Agreement have been violated.

Applicable to Corporate Offers

By signing up on the specially designated link for a corporate offer, you warrant that you are an employee of the corporation at the time of creating your account.

Applicable to Personal Referral Program

Please send invites only to people you know personally who will be glad to get them. Referrals should only be used for personal and non-commercial purposes. Do not spam anyone with referral invitations. This includes mass emailing, texting or messaging people you do not know or using automated systems or bots through any channel to distribute your referral link. Do not pay to advertise your referral links. Endowus may send one invite and up to two reminders to each friend you invite with your name.

Endowus is not responsible for incorrect entry or other failures on the part of your referee friend to meet the standards of a Qualifying New Account. A referred friend may only use one referral link. If a referred friend receives referral links from multiple referrers, only the referrer associated with the referral link actually used by the referred friend will receive the fee credit.

Join Endowus and thousands of investors today

Endowus helps you manage all your wealth - Cash, CPF, SRS - with access to personalised advice and investment solutions at a low fair fee. Enjoy $20 off your Endowus Fee when you sign up with the code 1XR8V .
View T&Cs here

Why people invests with Endowus.

Best opportunities

Disciplined, time-tested investing to navigate market volatility and reach your financial goals holistically with Cash, CPF & SRS.

Easy to use

Institutional, low cost access to best-in-class fund managers with expertise, scale, and real proven track records.

Expert advice

No sales charges. No transaction fees. 100% Cashback on trailer fees.  A low all-in transparent Endowus Fee.

How to start investing

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Test
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Test 3
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Tell us about yourself
Tell us about your goals, risk tolerance, and investment timeline. We will tailor our portfolio recommendation based on your individual circumstances.
Generate your personalised plan.
Based on what you tell us, our system will scientifically recommend a model portfolio to you. We run thousands of simulations that show you how your portfolio can grow towards your goals.
Onboard online in 10 minutes.
Once you're done with your plan, we'll need some personal information (much like opening a bank account but entirely online). As an MAS-licensed financial adviser, we make sure to follow the rules, so you get all the benefits and none of the hassle.

Historical performance of our Flagship portfolio (60% Equities | 40% Fixed Income) against the Benchmark (60% MSCI ACWI | 40% BBGA)

SGD, monthly data from Jan 2003 to May 2022
Endowus 60 | 40
Benchmark
2.5% p.a.
Historical performance of our flagship portfolio 60% equities and 40% fixed income against MSCI World Index
Historical performance of our flagship portfolio 60% equities and 40% fixed income against MSCI World Index

Expert investing for all of us.

Asia’s leading fee-only digital wealth platform, providing expert personalised advice, institutional access to best-in-class funds, and low fair fees, so everyone can invest better.

Frequently asked questions

What can I invest in on the Endowus platform?

On the Endowus platform, you’ll have access to a curated list of 250+ mutual funds (unit trusts). You may invest in one of our 4 types of advised portfolios (Core, Satellite, Income, Cash Smart) or create your own customised portfolios of funds.

You may learn more about our various investment solutions here

What are the fees in using Endowus?

Opening an Endowus account is free and there are no fees for maintaining an account with us. 

As an independent fee-only wealth advisor, we remove all hidden fees and are paid directly by you for the service we provide to you through the Endowus Fee

The Endowus Fee is an all-in fee that covers all transaction costs and custodian fees. There is no upfront subscription fee, no redemption fee, no switching cost or any other fees. 

In contrast to typical industry practices, we do not keep any trailer fee kickbacks for ourselves, if we receive any we give this back to you 100% as cashback. This means we are completely aligned with clients’ interests and are not incentivised to churn your investments.

Am I eligible to sign up with Endowus?

Any* person over the age of 21, whether living in Singapore or overseas, may open an Endowus account.

 

Singaporeans and PRs are encouraged to sign up for an account with MyInfo using SingPass for quicker verification. 

 

If you aren’t a Singaporean or PR, please provide us with your passport and address proof (bank statement, utilities bill or government-issued document) dated within 3 months, after registering for an account. You may email us these documents at support@endowus.com.

 

*Unfortunately, we cannot open accounts for US persons (US Citizen, US Green Card Holder, or US Tax Resident) at this time.


If I have more questions, how do I contact Endowus?

If you have questions about using Endowus, please contact us at support@endowus.com or call us at +65 3138 9167

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