Terms & Conditions

1. This promotion is organised by Endowus Singapore Pte Ltd. (“Endowus”) and is available to Singapore residents only. You are solely responsible for ensuring that participation in this promotion is not illegal or prohibited by the laws or regulations of any country relevant or applicable to you; as well as any tax consequences that may result from your redemption or use of fee credits.

Endowus reserves the right to not allow participation by any person, at its sole and absolute discretion.

Endowus reserves the right to (a) disqualify an otherwise eligible person from receiving the incentive ,(b) to limit the amount of account bonuses, and/or (c) to refuse or recover any offer award,  in the event that Endowus, in its absolute discretion, believes that you have contravened, will contravene or has contravened any of these terms and conditions and/or may bring Endowus into disrepute.

Who is eligible?

2. The promotion is only valid for new users who sign up using the designated link. Endowus shall retain absolute discretion to decide on the eligibility for participation in the promotion.

What do I need to do to participate in the promotion?

3. You must (i) successfully create an Endowus account using the designated link; and (ii) complete an investment order or multiple investment orders amounting to at least S$1,000 (“Qualifying Investment”) through your Endowus account.  The Qualifying Investment may be made using cash, CPF or SRS.

When and what do I get from the promotion?

4. Upon completion of the Qualifying Investment, Endowus will award fee credits (the “Reward”)  into your account, the exact amount depends on the specific applicable promotion that you have signed up for as indicated on the designated link. These fee credits will be used to waive off your Endowus Fees for the eligible investment period. For the avoidance of doubt, this does not affect your fund-level fees due to the fund manager.

The Reward can be applied against Endowus Fees payable for investments held in your account, commencing from the date of the first trade in your Endowus account .

Do note that a successful placement of an investment typically takes 3-5 business days to complete from the time you create and submit an investment order. Only successfully placed and completed placements of investment orders will be taken into account.

To understand more about trade dates and confirmation dates, please refer to this link.

What else do I need to know?

5. The Reward is not valid with any other offers and is not transferable, may not be transferred to another person or exchanged for cash. . Endowus accepts no responsibility for accounts or transactions not successfully completed due to a technical fault, technical malfunction, computer hardware or software failure, satellite, network or server failure of any kind.

6. Endowus also reserves the right to decline new client sign ups that do not meet our customer due diligence and client suitability requirements. Further, to avoid doubt, the use of our services are subject to the Endowus’ Terms and Conditions.

7. Endowus reserves the right to disqualify you if Endowus believes that there is any fraudulent activity such as, but not limited to, creation of fake accounts.

8. The decision of Endowus regarding any aspect of the promotion is final and binding and no correspondence will be entered into about it.

9. In entering the promotion, you are deemed to have accepted and agreed to be bound by these terms and conditions. Endowus reserves the right to refuse entry, or refuse to award anyone in breach of these terms and conditions.

10. Endowus reserves the right to hold, void, cancel, suspend, or amend the promotion of these terms and conditions (in whole or in part) at any time without prior notification to you. Please contact support@endowus.com if you believe you qualified for this promotion but it has not been awarded to you as a result of this early suspension or termination. Events beyond the control of Endowus may occur that render the awarding of the promotion impossible. Accordingly, Endowus will not be liable for any loss, whether directly or indirectly suffered, as a result of an event outside of its control.

11. By entering the promotion, you agree and acknowledge that all personal data submitted may be collected, processed, stored, disclosed or otherwise used by Endowus and its affiliates for the purposes of conducting and administering the promotion and you shall be bound by, and all personal data submitted shall be subject to Endowus’ Privacy Policy and Endowus’ Terms, Conditions & Disclosures.

12. To the extent permitted by law, these Terms shall be exclusively governed by and construed in accordance with the laws of Singapore. Any disputes arising out of or in connection with these terms shall exclusively be submitted to the jurisdiction of and dealt with by the competent courts of Singapore.

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 Endowus Referral Program

This is to be read in conjunction with the Endowus Referral Program Terms & Conditions. For you to enjoy the promotion, both you and your referer must comply with the terms & conditions of this promotion. Endowus is not responsible for the failure on the part of your referer friend to satisfy the terms & conditions of this promotion.

Join Endowus and thousands of investors today

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

Here’s what you can expect with Endowus.

Why invest with us

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.

Low, fair fees

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

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How to start investing

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Sign up conveniently & securely using SingPass.
Tell us about yourself and we’ll do the rest.
We will tailor a portfolio for you using best-in-class funds from top fund managers around the world.
Like what you’re seeing? Confirm your portfolio.
No lock-ins. No commitments. Choose to invest later if you’re not ready.
Sit back, relax and watch your money grow.
Our Investment Office tracks the funds in your portfolio regularly to ensure that they are continuously optimized.

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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Here’s what you can expect with Endowus.

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