Honest fees. Zero surprises.
Access, advice, platform services β all covered from 0.15% per year.
No sales or transaction fees
100% trailer fee cashback
No lock-ups
Endowus Access Fee
0.15% β 0.60%
per year, depending on what you invest in
All Endowus Fees at a Glance
Account type
Annual Fee
Short-Term Cash
Flat
0.15%
Cash β Long-Term Wealth
i
Goals combine for tiering
Flagship, Income, ESG, Fund Smart
<$200K
$200K β <$1M
$1M β <$5M
β
β₯$5M
$200K β <$1M
$1M β <$5M
β
β₯$5M
0.60%
0.50%
0.35%
0.25%
0.50%
0.35%
0.25%
CPF OA / SA / SRS
Flat rate Β· does not combine with Cash
Multi-fund
Flagship, Income, ESG, Fund Smart with 2+ funds
Flagship, Income, ESG, Fund Smart with 2+ funds
Flat
0.40%
Single-fund
Fund Smart with 1 fund
Fund Smart with 1 fund
Flat
0.30%
Cash Smart / Cash management funds (SRS)
Flat
0.15%
Private Wealth β Alternatives
Accredited Investors Β· Amounts in USD
Alternatives
Private Markets and Hedge Funds
Private Markets and Hedge Funds
<$500K
$500K β <$1M
$1M β <$5M
β
$5M β <$25M
$25M β <$50M
β₯$50M
$500K β <$1M
$1M β <$5M
β
$5M β <$25M
$25M β <$50M
β₯$50M
0.60%
0.55%
0.50%
0.40%
0.35%
0.30%
0.55%
0.50%
0.40%
0.35%
0.30%
Know what you are paying for.
The difference isnβt luck or market timing
β itβs how much fees can affect your investment outcomes.
β itβs how much fees can affect your investment outcomes.
Brokerage platforms
~0%
in platform fees
what you get
Self-serve platform, execution only
investment expertise
Self directed research and selection
Institutional funds
No access
advisory support
Limited or self-directed
Conflicts of interest
Varies β many earn trailer fees on fund products
Rebalancing
Manual
Endowus
Best of both worlds
0.15β0.60%
p.a. all-in access fee
what you get
Expert-built, evidence-based portfolios using best-in-class funds
investment expertise
Expert investment office
Evidence-based portfolios built by professionals. Conflict-free.
Institutional funds
Available to all clients.
advisory support
Advisors who earn no commissions or kickbacks
So the advice you receive is always aligned with your interests.
Conflicts of interest
None β no commissions, 100% cashback on trailer fees
Rebalancing
Automatic β part of value-added services
Traditional FI
~1.5β2%
in annual fees
What you get
A commission-based advisor
investment expertise
Expert investment team, but guided by what they distribute
Institutional funds
Limited access, with high minimums or fee wrappers
advisory support
Provided, may be tied to specific products
Conflicts of interest
Recommendations may be influenced by commission fees
Rebalancing
Manual or advisor-led, incurring transactional fees
Endowus
Best of both worlds
0.15β0.60%
p.a. all-in access fee
what you get
Expert-built, evidence-based portfolios using best-in-class funds
investment expertise
Expert investment office
Evidence-based portfolios built by professionals. Conflict-free.
Institutional funds
Available to all clients.
advisory support
Advisors who earn no commissions or kickbacks
So the advice you receive is always aligned with your interests.
Conflicts of interest
None β no commissions, 100% cashback on trailer fees
Rebalancing
Automatic β part of value-added services
Brokerage platforms
~0%
in platform fees
what you get
Self-serve platform, execution only
investment expertise
Self directed research and selection
Institutional funds
No access
advisory support
Limited or self-directed
Conflicts of interest
Varies β many earn trailer fees on fund products
Rebalancing
Manual
Traditional FA
~1.5β2%
in annual fees
what you get
A commission-based advisor
investment expertise
Expert investment team, but guided by what they distribute
Institutional funds
Limited access, with high minimums or fee wrappers
advisory support
Provided, may be tied to specific products
Conflicts of interest
Recommendations may be influenced by commission fees
Rebalancing
Manual or advisor-led, incurring transactional fees
*Assumes 7% p.a. gross return before fees, with $1,000 monthly contributions over 30 years starting from $100,000. Endowus figure uses a blended 0.45% access fee. Traditional FA figure uses 1.75% p.a. total annual cost, consistent with findings from the Morningstar Global Investor Experience Study, which found Singapore investors face high embedded distribution costs. DIY figure applies a 1% p.a. behavioral return drag, based on DALBAR's Quantitative Analysis of Investor Behavior, which found the average equity fund investor underperformed the market by over 8% in 2024 alone, with a persistent multi-decade gap driven by emotional decision-making. Actual returns will vary. Past performance does not guarantee future results. This illustration is for educational purposes only and does not constitute financial advice.
The effect of fees, illustrated
Move the sliders to see the effect of costs on returns, and how your wealth can grow over time
Why fees matter more than you think
Markets are unpredictable.
Your fees aren't.
Your fees aren't.
Decades of research show no one can predict the market. But what you can control is the fees you pay. The less you pay, the more you keep.
βThat's why Endowus is relentless about low fees, zero hidden charges, and returning every trailer fee back to you.
βThat's why Endowus is relentless about low fees, zero hidden charges, and returning every trailer fee back to you.
see what fees cost you over time
Let us help you achieve your goals.
Choose your goals, and weβll show you estimated fees.
No jargons, just a single, straightforward price for what you want to achieve.Β
No jargons, just a single, straightforward price for what you want to achieve.Β
Cash management
Cash Smart Β· Fund Smart Money Market Funds
Better than a savings account. Access your money anytime while earning more.
Days to months
General investing
Flagship Β· Income Β· ESG Β· Fund Smart
Long-term wealth building through globally diversified portfolios.
3+ years
Retirement planning
CPF OA Β· SA Β· SRS Portfolios
Make your retirement savings work harder. Beat the default interest rates.
Singaporeans & foreigners with SRS
Private wealth
Private Markets Β· Hedge Funds
Institutional-grade alternatives. Private equity, credit, and hedge funds.
Accredited investors
short-term cash management
Park your cash, earn more
Perfect for emergency funds, upcoming expenses, or money you're not ready to invest yet. Use Cash Smart (our advised solution), or invest in money market funds via Fund Smart using your Cash or CPF/SRS.
Daily liquid, withdraw anytime
Low minimums, no penalties
Access best-in-class money market funds
Not for long-term investing. If you're planning to invest for 3+ years, consider "General Investing" instead for better returns potential. Investment is not insured by SDIC and not capital guaranteed.
Endowus Access Fee
0.15%
per year, flat rate
Eg: On $50,000, you'd pay just $75/year ($6.25/mth)
cash
Build long-term wealth
Invest your cash in professionally managed portfolios. The more you invest, the lower your fee rate - and all your goals combine for better tiers.
Advised portfolios or Fund Smart with 2+ funds. Single-fund is Fund Smart with 1 fund.
Below $200K
0.60%
per year
$200K - $1M
0.50%
per year
$1M - $5M
0.30%
per year
$5M and above
0.25%
best rate
cpf oa / cpf sa / srs
Make retirement savings work harder
Your CPF and SRS don't have to sit idle earning default rates. Invest them in globally diversified portfolios to potentially grow your retirement nest egg faster.
CPF/SRS-approved investment products
Simple, transparent pricing
Choose between advised portfolios or 100+ funds on Fund Smart
Note:CPF/SRS investments are priced separately and do not combine with Cash for tiering purposes.
recommended
Advised Portfolios
Flagship, Income, ESG or Fund Smart with 2+ funds, auto-rebalanced
0.40%
per year, flat rate
Single-fund Portfolio
Fund Smart with 1 fund
0.30%
per year, flat rate
accredited investors only
Private Wealth &Β Alternatives
Access alternative investment strategies typically reserved for institutions: Hedge Funds, Private Equity, Private Credit, and more.
All amounts in USD. Alternative investments are priced separately from other products.
Tiered pricing based on total alternatives balance (USD)
Tiered pricing based on total alternatives balance (USD)
Below $500K
0.60%
$500K - $1M
0.55%
$1M - $5M
0.50%
$5M - $25M
0.40%
$25M - $50M
0.35%
Above $50M
0.30%
Cash management
Cash Smart Β· Fund Smart Money Market Funds
Better than a savings account. Access your money anytime while earning more.
Days to months
General investing
Flagship Β· Income Β· ESG Β· Fund Smart
Long-term wealth building through globally diversified portfolios.
3+ years
Retirement planning
CPF OA Β· SA Β· SRS Portfolios
Make your retirement savings work harder. Beat the default interest rates.
Singaporeans & foreigners with SRS
Private wealth
Private Markets Β· Hedge Funds
Institutional-grade alternatives. Private equity, credit, and hedge funds.
Accredited investors
Most platforms have hidden fees β ours doesn't.
A 0% platform fee sounds great, until you learn about the hidden fees. These are variable costs like unfavourable spreads or trailer fees that quietly eat into your returns.
We believe the industry can do better. So we built Endowus differently.
We believe the industry can do better. So we built Endowus differently.
NO HIDDEN FEES, EVER
Endowus Fee
The Endowus Fee covers all services.
Investment advice, portfolio monitoring & rebalancing, platform access, brokerage, and client support.
Investment advice, portfolio monitoring & rebalancing, platform access, brokerage, and client support.
We are paid only by you, the client we serve.
This ensures we remain independent, client-centric, and committed to your goals β not a fund manager's.
This ensures we remain independent, client-centric, and committed to your goals β not a fund manager's.
Some platforms charge no platform fee but earn hidden revenue via trailer fees, commissions, and sales charges. These create conflicts of interest.
Always 0% with Endowus
0% Sales Charge, Forever.
Sales charges are typically applied each time you invest. This incentivizes advisors to rebalance your portfolio more frequently, thereby leading to unnecessary churn.
At Endowus, there is 0% sales charge.
This means you keep more of your investment returns from day one.
At Endowus, there is 0% sales charge.
This means you keep more of your investment returns from day one.
What you pay fund managers
Fund Fees
Fund fees (the total expense ratio) are charged by fund managers to cover the cost of running the fund. They are already accounted for in the fund's price (NAV) β you don't see a separate deduction. The lower the fee, the higher your returns.
How Endowus keeps fund fees low:
Cashback on trailer fees
Access to institutional share classes β lower cost than retail funds
our promise
100% Cashback on trailer fees.
We rebate what belongs to you. Always. How does this work?
Cashback returned to our clients
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FAQ
How is the Endowus Fee calculated?
Endowus Fee is charged on a quarterly basis based on your daily average total assets under advice (AUA) for the period of the fee, depending on your portfolio type (CPF, SRS, Cash, Cash Smart, Fund Smart - Single Fund).
How is the Endowus Fee charged?
Cash investments:
IfΒ you have an available cash balance in your UOB Kay Hian trust account, we will use it to pay for the Endowus Fee. Any remaining payable Endowus Fee after deducting from your cash balance will be redeemed from your investment holdings, so that your Access Fee can be paid seamlessly.
Β
SRS/CPF investments:
Endowus Fee will be deducted directly by redeeming from your investment holdings, so that your Endowus Fee can be paid seamlessly.
What are fund-level fees charged by the Fund Managers?
Fund-level fee, or the Total Expense Ratio (TER)
This is charged by the fund manager (i.e. Dimensional, PIMCO, etc.)Β for their services in managing and investing the funds your purchase. This Fee is embedded into the Fundβs daily Net Asset Value (NAV) or price.
β
For example, if a Fundβs NAV (price)Β is $20, this has already taken into account the Fund-Level Fee, or ongoing costs of operating the Fund. Performance figures of the Funds are already net of the fund-level fees.Β
β
The fund-Level fee (TER)Β may include investment management fees, trustee fees, and audit fees. We refer to the Fund-Level Fee that is all-inclusive total fees charged, rather than only the Management Fee which is only a part of the TER, and often quoted by other platforms.
β
100%Β Cashback on trailer fees with Endowus
If there are trailer fees paid by the fund managers to Endowus, we will rebate 100% of the trailer fees to you as and when we receive it. For cash investments, we will transfer the trailer fee directly to your UOB Kay Hian trust account. For CPF or SRS investments, we will transfer the cashback directly to your CPF Investment Account or SRS account with your Agent Bank.
How does Endowus keep fund-level fees low?
At Endowus we strive to bring this fee down as low as possible by working with fund managers by accessing their lower fee share-classes (institutional share-class)Β and introducing an industry-first practice of rebating 100%Β Cashback on trailer fees to lower the net fees for our clients.
β
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