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. 

Ok
Match night
  • Live football screenings at The Lobby Lounge and Executive Club Lounge

  • Complimentary beer tower and snacks during match timings at The Lobby Lounge
Your room & stay
  • Daily buffet breakfast for 2 guests

  • Complimentary room upgrade to Premier Room (subject to availability)

  • World Cup-themed welcome set up with amenities

  • Complimentary access to PressReader

  • Late check-out at 1PM
For the family
  • Complimentary football otter plush toy

  • Complimentary kids football activity kit & backpack

  • Complimentary breakfast for children aged 12 and below

  • Complimentary mini afternoon tea set for children aged 12 and below

  • Children aged 12 and below dine free at Food Capital, The Lobby Lounge, and Riverside Terrace

  • 20% off at Party World KTV
Eat & drink
  • Complimentary food & beverage voucher worth $20 per room per stay

  • 1-for-1 gin cocktail from The Lobby Lounge's Gin Cart

  • 1-for-1 afternoon tea at The Lobby Lounge

  • 1-for-1 lunch & dinner buffet at Food Capital

  • 20% off at Grand Shanghai
x

Performance, underlying funds & securities

Disclaimer

How we calculate representative historical performance of a fund (unit trust)

Endowus aims to provide the historical performance of the best proxy to a fund prior to the inception of the fund so as to capture a sufficiently long period to illustrate the past market cycles such as the 2008 Global Financial Crisis. The challenge Endowus encounters is that one fund may have several share classes with different inception dates, different fees, and different denomination currencies and even for the earliest share class it may not date back to the period that we aim to provide.

‍

Endowus provides the representative cumulative historical performance in a table, including the yearly returns since the earliest available performance data, YTD, 1M, 6M, 3Y, 6Y and 10Y returns, and in a chart, which shows growth of capital using monthly performance data. The annualized 1Y, 3Y, 5Y, 10Y return is also presented. The performance data is computed on single pricing basis.

‍

Therefore, Endowus’ best effort to closely match performance results for longer historical periods, is via using the following hierarchy of monthly returns data, moving down the list only when the higher priority data does not exist:

  1. Subscription share-class (the exact fund you are buying)
  2. Oldest share-class of the same fund vehicle, adjusted for currency and fund-level fees
  3. Oldest share-class of a different fund vehicle with a similar underlying fund strategy, where appropriate, adjusted for currency and fees.
  4. Prospectus benchmark, adjusted for currency and fund-level fees. Prospectus benchmark is the benchmark that the fund manager assigns to the fund and is usually aligned with the investment strategy of the fund.
  5. Alternative benchmark, adjusted for currency and fund-level fees. If the prospectus benchmark assigned by the fund manager is deemed unsuitable, we will assign an alternative benchmark that is broadly aligned with the investment strategy of the fund if possible. The alternative benchmark may be a single index or a blend of indices.
  6. Asset class benchmark, adjusted for currency and fund-level fees. If an alternative benchmark is required but cannot be identified, we will use an asset class benchmark that best illustrates the unit trust’s asset class exposure. The asset class benchmark may be a single index or a blend of indices.

In certain cases, Endowus’ Investment Office may choose to include multiple sources of monthly returns data according to the hierarchy set out above to illustrate the theoretical representative historical performance of the fund. Again, we reiterate that whilst we make every effort to provide clients with full transparency and use accurate and timely information, representative historical performance has its limitations and should not be relied upon on its own for financial decision making. Any investment views and investment products/services should be reviewed against a person’s investment experience, objectives, financial resources and personal circumstances. Further, although the data is taken from sources deemed reliable, we make no guarantee as to its accuracy, completeness or reliability.

‍

How we calculate representative historical performance of a portfolio of funds

Representative historical performance of a portfolio of funds is calculated in the following steps:

  1. Combines the fund returns in their appropriate weight from their earliest common start date
  2. Runs the returns of the portfolio and includes threshold-breach based rebalancing if and when the portfolio would have materially drifted from the specified target asset allocation.

Read more about rebalancing

While we believe this methodology results in a performance data that is most similar to the portfolio prior to its existence, it is not, and cannot be, completely precise.

‍

Fees treatment

Portfolio performance includes fund-level fees and does not include Endowus Fee, which range from 0.05% to 0.60% per annum depending on investment objective, source of investment (CPF, SRS or Cash) and client assets under advice (“AUA”).

‍

Data source

Endowus licenses the use of data from Intermediaries, including, in part, from Morningstar, a third-party provider of stock market data. Endowus makes no guarantee, representation or warranty and accepts no responsibility for the accuracy and/or completeness of the information. Where data is cited from Morningstar, the following disclosures apply: ©2021 The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorised; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.

We have a special offer for you.

Justin has invited you to invest with Endowus.

Martin has invited you to invest with Endowus.

Race ahead into a prosperous
Chinese New Year

Maximise the potential of your CPF savings

Don't miss the shot at
growing your wealth!

Power up your retirement savings with SRS

Connect with Jason on LinkedIn
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 ..
Make 2026 your most prosperous year yet! Enjoy $28 off Endowus Fee to accelerate your wealth goals, when you sign up by 3 March 2026.
Invest your CPF to secure a better retirement. Enjoy $10 off your Endowus fee when you sign up by 30 April 2026.
Get $26 off your Endowus fee for 6 months
‍when you start investing today.
Promotion runs 8 June – 7 July 2026.
Unlock year-end tax savings and get $100 off when you invest your SRS by 31 Dec 2026.

Enjoy an additional $100 off when you invest a min of $50,000 on SRS.
View T&Cs hereView 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.

Why invest with us

Proven strategies

Access customised portfolios backed by decades of research and performance, or build your own from hand-picked, world-class funds

Unbiased advice

We return all commissions from fund managers to you. This means no conflicts of interest. You get advice and strategies driven only by what’s best for you.

Low, fair fees

Take advantage of savings with access to low-fee institutional share classes, once reserved for the ultra-wealthy. Only pay an all-in, transparent, fair fee.

homepage_hero
getting-started_2
homepage_hero

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.

‍

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

View more FAQs
homepage_hero
getting-started_2
homepage_hero

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

Get started with Endowus

Onboard in under 5 minutes with Singpass
Sign up now
Sign up now

Why invest your CPF?

Inflation is
outpacing 2.5%

Invest your CPF to unlock
its full potential today

Maximise your CPF savings
for a more secure retirement

  • With rising inflation, depending on your OA interest rate may not be sufficient for retirement.

  • By comparison, investing can potentially triple your CPF in the next 30 years, assuming average annual returns of 7%*.

  • Since CPF withdrawals only start from 55, there is a longer time horizon to ride out market volatility, potentially increasing the odds of long term performance.
*For illustrative purposes only and is not representative of any actual portfolio. Investment involves risk and capital is not guaranteed. Past performance is not an indicator nor guarantee for future performance.

Globally diversified portfolios backed by research and performance

Explore the latest performance of
CPF portfolios and their
underlying funds

Using your CPF
monies to buy
property?

Strike the right balance
with these 3 tips.

3 things to consider before using your CPF savings for property needs:

  • You will need to refund the full amount of CPF monies used, plus the accrued interest when you sell the property.
  • You may be required to top up the CPF shortfall in cash if your property is sold below market value and the proceeds are insufficient to cover the total refund.
  • While your monthly CPF contributions may be used to cover your mortgage, consider setting aside a portion of that to invest for your retirement nest egg.

Seamless
to set up

CPF investing —
made easy.

It’s simple to invest your CPF with Endowus:

  • Create an Endowus account.
  • Select a suitable Endowus portfolio or fund(s) that meet your needs.
  • Create a CPF Investment Account (CPFIA) with any of the 3 local banks (DBS, OCBC, UOB).
  • Link the CPFIA to Endowus when prompted.
That’s it! Take the first step by creating an account and we’ll guide you through the rest.

Trusted with over
$3 billion of CPF & 
SRS savings

Building a generation that
invests better to live better
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 $3 billion in CPF & 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.

Inflation is outpacing 2.5%

Invest your CPF to unlock
its full potential today


*Source: Department of
Statistics Singapore. Based on
average yearly inflation from
2020 to 2024.

Maximise your CPF savings for a more secure retirement

  • With rising inflation, depending on your OA interest rate may not be sufficient for retirement.

  • By comparison, investing can potentially triple your CPF in the next 30 years, assuming average annual returns of 7%*.

  • Since CPF withdrawals only start from 55, there is a longer time horizon to ride out market volatility, potentially increasing the odds of long term performance.
*For illustrative purposes only and is not representative of any actual portfolio. Investment involves risk and capital is not guaranteed. Past performance is not an indicator nor guarantee for future performance.

Globally diversified portfolios backed by research and performance

Explore the latest performance of
CPF portfolios and their
underlying funds

Using your CPF
monies to buy
property?

Strike the right balance with these 3 tips.

3 things to consider before using your CPF savings for property needs:

  • You will need to refund the full amount of CPF monies used, plus the accrued interest when you sell the property.
  • You may be required to top up the CPF shortfall in cash if your property is sold below market value and the proceeds are insufficient to cover the total refund.
  • While your monthly CPF contributions may be used to cover your mortgage, consider setting aside a portion of that to invest for your retirement nest egg.

Seamless
to set up

CPF investing —
made easy.

It’s simple to invest your
CPF with Endowus:

  • Create an Endowus account.
  • Select a suitable Endowus portfolio or fund(s) that meet your needs.
  • Create a CPF Investment Account (CPFIA) with any of the 3 local banks (DBS, OCBC, UOB).
  • Link the CPFIA to Endowus when prompted.
That’s it! Take the first step by creating an account and we’ll guide you through the rest.

Trusted with over
$3 billion in CPF & SRS savings

Building a generation that
invests better to live better
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
$2 billion in CPF & 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.

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.

Want to know more about CPF investing?

How do I start investing my CPF savings with Endowus?

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.

‍

How much of my CPF can I invest?

For CPF Ordinary account, after setting aside S$20,000 and a buffer for charges by your Agent Bank (UOB, DBS or OCBC), you can invest all of the remaining balance of your CPF OA savings under the CPF Investment Scheme. This is your OA Investable Amount, and up to 100% can be invested in unit trusts via the Endowus platform.

‍

For CPF Special Account, after setting aside S$40,000, you can invest all of the remaining balance of your CPF-SA savings under the CPF Investment Scheme. This is your SA Investable Amount, and up to 100% can be invested in unit trusts via the Endowus platform.

Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing my CPF through Endowus?

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.

Who can invest under CPFIS?

You can invest under CPFIS if you are:

‍

1. A CPF member aged 18 and above

2. Not an undischarged bankrupt

3. Holding more than S$20,000 in your CPF Ordinary Account

View more FAQs

Win a 3D2N World Cup Staycation at Grand Copthorne Waterfront — worth over $800, for 10 lucky winners.

Watch the World Cup Final from the best seat! Zero regrets about staying up at 3am. Check in on 18 July, and explore the full hotel experience here

Your Path to the Final

Qualifying
Actions
Sign up for an account using “Singpass”
Make a first Qualifying Investment
Make a Successful Referral
Qualifying
Chances
1 chance
5 chances
10 chances for Referrer
No limit on referrals — the more friends you bring in, the more chances you get! Terms and conditions apply. The list of winners will be announced on endowus.com/worldcup26 by 17 July 2026.
This giveaway is organised by Endowus. It is not sponsored by or affiliated with Grand Copthorne Waterfront Hotel.
SIGN UP NOW

Frequently Asked Questions

When is the Promotion Period?

The World Cup Lucky Draw promotion runs from 8 June - 7July 2026.

Who is eligible to participate?

New and existing Endowus clients who complete the Qualifying Actions during the promotion period are eligible to participate in the Lucky Draw.

Can I participate if I already have an Endowus account?

Yes. Existing clients with unfunded accounts can qualify by making a min. $1,000 investment. Existing funded clients can earn chances through referrals.

Can I stack my chances?

Yes. If you’re a new user who signed up using “Singpass”, completed a Qualifying Investment and made 2 Successful Referrals, you will get 26 Qualifying Chances. 

‍

If you have signed up using Singpass via a referral link and make a Qualifying Investment, you will get 6 chances.

‍

If you have an Endowus account but yet to make a Qualifying Investment, you will get 5 chances after completing it.

Can a new user sign up without Singpass?

You will not be able to participate in the Lucky Draw if you did not sign up using Singpass. However you will be awarded with the Endowus Fee Credit voucher if you have signed up using a promotional link or referral link.

What counts as a Qualifying Investment?

A fully settled investment of minimum $1,000 made during the promotion period. Investments must be fully settled by 7 July 2026 to be eligible, and it may be made using cash, CPF or SRS.

What if I can't make the 18 – 20 July 2026 dates? 

The staycation dates are fixed to coincide with the World Cup Final. Winners who cannot attend will forfeit the prize.

When will winners be announced? 

The draw will be held on 10 July 2026. Winners will be contacted by 10 July 2026 18:00 SGT, and the winner details will be published on https://endowus.com/worldcup26 by 17 July 2026.

Save on your income taxes

Get SRS tax relief of up to $15,300 a year max contribution for Singaporeans and PRs (or up to $35,700 for foreigners).

How SRS tax relief works

By contributing to your SRS, you can get dollar-for-dollar tax relief 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

Instantly see your potential tax relief

Singaporean/PR Foreigner
$
$
$
Pre-SRS contribution Post-SRS contribution
Taxable income
Tax payable

SRS investment options:
Make your money work harder

Short-term

Endowus
‍Cash Smart

The SRS account interest rate is just 0.05% p.a. Earn higher yields of 1.3% to 2.5% p.a* at low risk with Endowus Cash Smart.

Short-term and low-risk options 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 1.3% to 2.5% p.a.*
*Not guaranteed. Yields calculated as of 31 Aug 2026.
Grow your SRS
Long-term

Endowus
Flagship

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

Invest for the long-term 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

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

Start investing your SRS with Endowus (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 $2 billion of SRS savings

Join over 510,000 investors in Singapore* who have invested their SRS and are taking charge of their retirement future.
*Source: Ministry of Finance as of Dec 2025.
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 $2 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 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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