Introducing Fund Smart 🎉

Customise your investment portfolios with exclusive access to best-in-class funds at low cost.

We build systems that allow people to take ownership of their financial wellbeing.


Our values

We believe in knowledge and transparency. You should never feel like you do not have control or do not understand how your money is managed. We will present you the data you need to make informed decisions, so that you can be best prepared for your future.

  • Alignment

    We are only paid by you and never accept commissions from product providers - this allows us to always recommend the products best suited for you

  • Integrity and stewardship

    We are a steward of your capital and trust and will never compromise on acting in your best interest

  • Knowledge and transparency

    Empowerment through knowledge can help all of us anticipate outcomes and therefore succeed in reaching our goals


Our team

Our investment office is led by Samuel Rhee, former CEO & CIO of Morgan Stanley Investment Management in Asia.

We bring together decades of experience at leading global financial institutions and technology companies, including Goldman Sachs, Morgan Stanley, UBS, Blackstone, Nomura, HSBC, Macquarie, Wilmar, SP Services, Grab, Intuit, Zalora, Carousell, Alibaba, Kakao, ByteDance, Dropbox, Lyft, and more.

Our diverse expertise and experience in asset management, private banking, investment banking, and consumer technology have prepared us to better serve you.

View our team on LinkedIn

Chairman & Chief Investment Officer

Samuel is a 26 year investment management industry veteran and the former CEO and CIO of Morgan Stanley Asset Management in Asia. Having experienced the ebb and flow of the markets for more than 2 decades, Sam left his role in search of a challenge that can deliver meaningful impact in the lives of others. He believes that retirement is the biggest generational challenges of our lifetime, and has focused his time on building Endowus as a holistic wealth platform that plans across CPF, SRS and Cash in preparation for retirement. He is a regular speaker at conferences and is a guest lecturer at SMU & NUS Business School.

Founding Partner & COO

Greg began his career in investment banking at UBS where he advised private equity and venture capital firms. Keen to get some operating experience, he joined Grab where he led technology and payment partnerships, helping Grab unlock over 100 payment methods across the region when Grab was cash-only. As Founding Partner of Endowus, Greg is passionate about making investing accessible and convenient to everyone, at the lowest achievable cost.

Founding Partner & CFO

You Ning sits on a wealth of experience from the best financial institutions in the world, from Goldman Sachs to Blackstone Private Equity. His most recent role was serving as Chief Investment Officer of a Singaporean family office of >US$1 billion and managing investments at Wilmar International. He believes that CPF is a crucial wealth vertical that's sorely overlooked and wants to solve this problem for Singaporeans with the Endowus platform.

Chief Technology Officer

Having spent the last 10 years in the finance industry as a software developer for banks and hedge funds such as Macquarie, Alphadyne Asset Management, UBS and Goldman Sachs, Joo embarked in a leadership role at a roboadvisor in Singapore and established himself as a veteran in the digital wealth management industry. Joo is attuned to the intricacies of a 100% digital wealth platform, especially in creating the most ideal ecosystem for growth, and an optimal and secure experience for clients.

Chief Product Officer

Jx began his career at the Singapore Economic Development Board (EDB) where he advised global technology companies. He then spent time building products in Silicon Valley with high growth companies like Dropbox and Lyft, and subsequently in China with ByteDance. He returned to Singapore to solve problems closer to home, and to enable Endowus to deliver the best product experience as a digital wealth platform.

Chief Client Officer

Sin Ting started her career in private wealth management at Morgan Stanley in Hong Kong. Her most recent role was VP at Nomura Singapore wealth management, where she provided investment advisory services for family offices, corporates and high net worth clients across the region. As Chief Client Officer, Sin Ting brings her extensive wealth management experience to deliver on her expertise, extending her knowledge onto a digital platform to help create a seamless experience for our clients.

Chief Marketing Officer

Jason spent the last decade with financial institutions and fast-growing technology companies. As the CMO for the largest e-commerce company in Asia, Lazada (Alibaba Group) for Singapore and Philippines, he is responsible for delivering on brand excellence and securing mindshare for Endowus, as well as establishing a digital footprint to support brand and client growth - democratising access to investing via quality financial content.

Endowus Advisor
  • University of Cambridge, Professor Emeritus, Dept of Mathematics and Statistics, Founder of Centre for Financial Research
  • Cambridge Systems Associates Ltd., MD
  • Authored over 110 published research articles in leading international journals on financial engineering and risk management and written several books that have won several awards, acting as Editor-in-Chief of Quantitative Finance and Associate Editor of Stochastics, Computational Finance and Journal of Risk Management in Financial Institutions
Endowus Advisor
  • China Asset Management, Independent Director
  • Oxleyan Capital, Founding Partner
  • The Chinese Finance Association, SE Asia Society President, former USA Chairman
  • Columbia Management, former Senior Portfolio Manager
  • Putnam Investments, former VP
  • University of Notre Dame, MA
  • Shanghai International Studies University, BA
Endowus Advisor
  • Horangi, Executive Chairman
  • GIC, former Head of GIC Labs
  • Grab, former VP Data
  • Palantir Technologies, former Head of Asia
  • Stanford, BS in Computer Science
join us


We are on a mission to make the best financial advice and products accessible to all of us. Currently hiring in Singapore.

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Why work with us

  • Empowerment

    Work with passionate, inspiring people who share a belief in our mission

  • Respect

    Work critically and efficiently through problems with mutual respect

  • Benefits

    Medical insurance coverage, flexible work hours, competitive salary