How much will I pay in fees?

Fees are computed differently according to the source of funds (Cash/CPF-OA/SRS) and goal type . If you have more than 1 funding source in your Endowus account (ie. both cash and CPF-OA), the fees will be computed separately.

Source of funds: Cash

Source of funds: CPF-OA

Source of funds: SRS

How do I know the goal type of my investment goal? 

Source of funds: Cash

Goal type: General Investing

(1) Endowus 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 (total expense ratio): paid to the Fund managers. The fee is embedded in the Net Asset Value (NAV) of the Fund.

Goal type: Cash Management

(1) Endowus 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.

(2) Fund-Level Fee (fund total expense ratio): paid to the Fund managers. The fee is embedded in the Net Asset Value (NAV) of the Fund

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Source of funds: CPF-OA

Goal type: General Investing

(1) Endowus 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 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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Source of funds: SRS

Goal type: General Investing

(1) Endowus 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 (total expense ratio): paid to the Fund managers. The fee is embedded in the Net Asset Value (NAV) of the Fund .

Goal type: Cash Management

(1) Endowus 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.

(2) Fund-Level Fee (fund total expense ratio): paid to the Fund managers. The fee is embedded in the Net Asset Value (NAV) of the Fund

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How do I know the goal type of my investment goal? 

Log in to your Endowus account via a web browser > Select your goal. 

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