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designated link and funded with an initial investment of at least S$1,000, provided that the initial investment is not withdrawn for 90 days.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.

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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 Endowus Fee when you sign up with the code YCNHR.
View T&Cs hereView 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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getting-started_2
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How to start investing

1
2
3
4
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.

Here's how we made a difference to our clients

“
Endowus gives me
the confidence to take
control of my wealth.
Chow
Content Creator
“
Getting started on my
financial goals took no
more than 5 minutes.
Impressive!
Dan
Financial Controller
of Tocco Toscano
“
I trust Endowus for
their advice, because
they’re experts at
investing, and have
a good track record.
Joe
Owner of
Tocco Toscano
“
As a mother and
entrepreneur, the
ease of investing with
Endowus gives me
time to focus on things
that truly matter.
Ee-Ling
Founder of
The Missing Piece
“
I can invest my
CPF with the right
risks and returns,
personalised for me.
Myren
Founder of
Higher Performance
“
Endowus gives me
the confidence to take
control of my wealth.
Chow
Content Creator
“
Getting started on my
financial goals took no
more than 5 minutes.
Impressive!
Dan
Financial Controller
of Tocco Toscano
“
I trust Endowus for
their advice, because
they’re experts at
investing, and have
a good track record.
Joe
Owner of
Tocco Toscano
“
As a mother and
entrepreneur, the
ease of investing with
Endowus gives me
time to focus on things
that truly matter.
Ee-Ling
Founder of
The Missing Piece
“
I can invest my
CPF with the right
risks and returns,
personalised for me.
Myren
Founder of
Higher Performance
As Featured in

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.

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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. 

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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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Save on your income taxes

Get dollar-for-dollar tax relief of up to $15,300 for Singaporeans and PRs (or up to $35,700 for foreigners).

Invest in your retirement and enjoy more tax reliefs

By contributing to your SRS, you can save up to thousands of dollars each year.
try it out today
Calculated based on an annual income of $100,000 SGD and personal reliefs of $30,000 SGD.
Annual tax relief contributions capped at $15,300 SGD for Singaporeans and PRs, and $35,700 SGD for foreigners.
how it works
Calculated based on an annual income of $100,000 SGD and personal reliefs of $30,000 SGD.
Annual tax relief contributions capped at $15,300 SGD for Singaporeans and PRs, and $35,700 SGD for foreigners.
try it out today

Make your SRS work harder by investing it

Short-term

Endowus
‍Cash Smart

Do better than 0.05% interest p.a. Earn higher yields of 1.6% to 2.8% p.a* at a low risk.

Short-term and low risk options with Cash Smart to earn higher yields

  • Grow your savings beyond the meagre 0.05% p.a in SRS bank account
  • Invest with a peace of mind with low risk money market and short duration bond funds
  • Depending your risk profile, you can earn yields from 1.6% to 2.8% p.a.*
*Not guaranteed. Projected yields calculated as of 30 Sept 2025.
grow your srs
Long-term

Endowus
Flagship

Amplify your risk-adjusted returns with globally diversified and low-cost portfolios.

With a longer time horizon, invest in Flagship portfolios for better returns

grow your srs
Customisable

Endowus
‍Fund Smart

Build your own portfolio with  140+ expertly curated SRS funds.

Invest in SRS funds at a low cost on Fund Smart

Popular funds include:
  • Amundi Prime USA Fund
  • Dimensional Global Core Equity Fund
  • PIMCO GIS Global Bond Fund
Get access to institutional share class funds, with 0% sales or transaction charges, and 100% Cashback on trailer fees.
grow your srs

Effortless SRS investing made easy in just 4 simple steps

1
Create an Endowus account.
2
Open an SRS account with an agent bank (DBS, OCBC or UOB).
3
Link your SRS account number. Find your SRS account number here.

4
Start investing with Endowus!

That’s it! Take the first step by creating an account and we’ll guide you through the rest.

Endowus is trusted with over $1 billion of SRS savings

Join over 450,000 investors in Singapore* who have invested their SRS and are taking charge of their retirement future.
*Source: Ministry of Finance as of Dec 2024.
Gregory Van

Chief Executive Officer

Endowus
Our mission at Endowus has always been to build a generation that will live better, because they have invested better today.



We are thankful to our clients who have entrusted us with their life savings, over $1 billion in SRS savings, to be precise.



Join us on our journey, as we seek to help you achieve better investing outcomes. We are confident we can get there together.
grow your savings
grow your savings
Gregory Van

Chief Executive Officer

Endowus

Frequently asked questions

What is the Supplementary Retirement Scheme (SRS), and how much tax can I save?

SRS is a voluntary scheme to encourage individuals (Singapore citizens, PRs, and foreigners working in Singapore) to save for retirement with tax benefits and employer contributions. Invest your SRS with Endowus to generate potentially higher retirement savings.

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Dollar for dollar tax savings

For every dollar that you contribute, your taxable income is reduced, subject to the personal income tax relief cap of $80,000. The money contributed has restricted use and can mainly only be used for investment purposes.

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Annual contribution cap

There is an SRS annual contribution cap of $15,300 per annum for Singapore citizens and SPRs, and $35,700 for foreigners.

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Example of tax savings

The more you contribute to SRS, the more tax savings you can get. Here’s an illustration of how much tax you can save as a Singapore citizen or PR:

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  • Annual income: S$100,000
  • Personal reliefs (CPF, qualifying child, etc.): -S$36,000
  • SRS contribution: -S$15,300
  • Chargeable income: S$51,300
  • Taxes due with SRS contribution: S$1,159
  • (Taxes due if no SRS contribution: S$2,230)

Annual tax potentially reduced by 48% with SRS contribution

What are the underlying funds in the Endowus SRS investment portfolios?

For general investing, Endowus Flagship Portfolios are composed of global equities and fixed income funds managed by best-in-class fund managers such as PIMCO, Dimensional, and Amundi. For Cash Smart portfolios, please refer to the Cash Smart page here.

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Unlike other fund platforms, financial advisors, brokers, banks or distributors, Endowus accesses the institutional share-class of funds that have lower fees, never charges a sales fee, and rebates 100% of trailer fees so you keep more of your returns.

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To see more information on the exact portfolios at each level of risk, underlying holdings, historical returns, fees, and more, create your Endowus account for free.

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I’m an existing Endowus client. How do I get SRS invested?

1) Simply log in to your Endowus account,
2) Go to "Invest | Redeem"

3a) "Add new goal" and select "Invest my SRS", or
3b) select an existing goal, and "add my SRS to this goal".

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If you do not see SRS as an investment option, you need to link your SRS account here.

How do I open and fund my SRS account?

You can open an SRS account if you are:

  • A Singaporean, Permanent Resident (PRs) or foreigner working in Singapore
  • At least 18 years old
  • Not an undischarged bankrupt

There are three SRS operators (UOB, DBS & OCBC). You can register for an SRS account with any of them on their online platforms.  You can fund your SRS account by internal bank transfer.

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Once you have have your SRS account number, you only have to link it to your Endowus account and start investing!

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