How do I choose between Endowus Cash Smart Core, Enhanced and Ultra?

We advise you to manage your cash based on when you need to use it.

Endowus Cash Smart Core is for the cash that you need in the upcoming days or weeks. It is safer than Cash Smart Enhanced and Ultra, and is unlikely to ever have a day of negative performance. Its worst historical drawdown (negative return from peak to trough) was less than 0.2%. It took the Cash Smart Core portfolio 2 days to return to its previous high. 

Endowus Cash Smart Enhanced is for the cash you need beyond 1 month. It has more volatility than Cash Smart Core but rarely has a period of negative performance. Its worst historical drawdown (negative return from peak to trough) was less than 1%. It took the Cash Smart Enhanced portfolio 57 calendar days to return to its previous high. 

Endowus Cash Smart Ultra is for the cash you need beyond 3 months. It has more volatility than both Cash Smart Core and Enhanced, and may have periods of negative performance. Its worst historical drawdown (negative return from peak to trough) was 2.6%. It took the Cash Smart Ultra portfolio 100 calendar days to return to its previous high.