How much will I pay in fees?

The Access Fee is paid to Endowus for all relevant advisory and investment services, product and  platform access. Fees differ based on portfolio type and funding source (Cash/CPF-OA/SRS).

The Fund-Level Fee (or Total Expense Ratio) is paid to the Fund Managers. This is already accounted for in the NAV of the Fund. Endowus will rebate 100% of the trailer fee component of the Fund-Level Fee back to you where this is charged. 

Advised Portfolio: Cash Smart

Source of Funds: Cash / SRS
Access Fee: 0.05% p.a. flat fee for any investment value.

Advised Portfolio: General Investing

Source of Funds: Cash
Access Fee p.a. based on Assets under Advice (AUA):
0.60%   S$200,000 and below
0.50%   S$200,001 to S$1,000,000
0.35%   S$1,000,001 to S$5,000,000
0.25%   S$5,000,001 and above

Source of Funds: CPF-OA / SRS
Access Fee: 0.40% p.a. flat fee for any investment value
For CPF, your CPF Investment Agent Bank (DBS, UOB, OCBC) also levies the Agent Bank charges here. 

Fund Smart - Goal Type: Short-term cash management

Source of funds: Cash, SRS
Access Fee: 0.05% p.a. flat fee for any investment value.

Fund Smart- Goal Type: Mid to long-term investment

Source of funds: Cash
Single-fund portfolio
Access Fee: 0.30% p.a. flat fee for any investment value.

Multi-fund portfolio
Access Fee p.a.
0.60%   S$200,000 and below
0.50%   S$200,001 to S$1,000,000
0.35%   S$1,000,001 to S$5,000,000
0.25%   S$5,000,001 and above

Source of Funds: CPF-OA / SRS
Single-fund portfolio
Access Fee: 0.30% p.a. flat fee for any investment value.

Multi-fund portfolio
Access Fee: 0.40% p.a. flat fee for any investment value.
For CPF, your CPF Investment Agent Bank (DBS, UOB, OCBC) also levies the Agent Bank charges here.