How much will I pay in fees?

Fees are computed differently for Cash, SRS and CPF portfolios. If you have more than 1 type of portfolio (ie. both cash and CPF Portfolios), the fees will be computed separately. Please see below for details.

Cash Portfolios
(1) Access Fee: paid to Endowus for investment advice, portfolio creation and rebalancing, brokerage, and transfers via FAST. 

Access Fee per annum 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

(2) Fund-Level Fee (fund total expense ratio): charged by the fund manager out of the underlying fund Net Asset Value (NAV). 

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SRS Portfolios
(1) Access Fee: paid to Endowus for investment advice, portfolio creation and rebalancing, brokerage, and transfers. 

Access Fee per annum based on assets under advice (AUA): 0.40% flat fee for any amount. 

(2) Fund-Level Fee (fund total expense ratio): charged by the fund manager out of the underlying fund Net Asset Value (NAV).

(3) Agent Bank Charges: These are charges levied by your respective Agent Banks (DBS, UOB, OCBC).

• Transactions (buy or sell): No transaction charges (subject to change by the Agent Bank)
• Rejected trades: $5 to process each unsuccessful transaction (i.e. due to insufficient funds)

*Please note that agent bank charges are GST applicable

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CPF OA Portfolios
(1) Access Fee: paid to Endowus for investment advice, portfolio creation and rebalancing, brokerage, and transfers. 

Access Fee per annum based on assets under advice (AUA): 0.40% flat fee for any amount. 

(2) Fund-Level Fee (fund total expense ratio): charged by the fund manager out of the underlying fund Net Asset Value (NAV).
Please note that Endowus will rebate 100% of trailer fees back to you. Read more about trailer fees here. 

(3) Agent Bank Charges: These are charges levied by the Agent Bank of your CPF Investment Account (DBS, UOB, OCBC)

• Transactions (buy or sell): S$2 - $2.50 per transaction on a portfolio basis. No transaction fee will be charged for switching/rebalancing of portfolio 
• Service charge: S$2-2.50 on a portfolio basis per quarter
• Rejected trades: $5 to process each unsuccessful transaction (i.e. due to insufficient funds)

*Please note that agent bank charges are GST applicable 

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Cash Smart Portfolios
(1) Access Fee: paid to Endowus for investment advice, portfolio creation and rebalancing, brokerage, and transfers. 

Access Fee per annum based on assets under advice (AUA): 0.05% flat fee for any amount.