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Benjamin Kheng

Artist, creative director, and Endowus client

Treasury management and institutional advisory services

Get daily liquidity with our cash management and customised investment solutions designed for corporates, non-profit organisations and endowments.

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Jackie Lee

Founder of HardwareZone and Endowus client

Benjamin Kheng

Artist, creative director, and Endowus client

Jackie Lee

Founder of HardwareZone and Endowus client

Benjamin Kheng

Artist, creative director, and Endowus client

Invest in exclusive institutional funds with dedicated advisory services

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Low-risk, liquid cash management solutions
Institutional advisory services
Safety of your assets
Dedicated Corporate Relationship Manager
Competitive FX rates
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Work your corporate cash harder while maintaining liquidity

Our HKD and USD solutions offer daily liquidity and no lock up or penalties for redemption, and any rebates that Endowus receives from fund managers are rebated in full

Core
Enhanced
Description
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Underlying funds
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Projected return p.a.
How is this range calculated?
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Fund-level Fees after Rebates
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Endowus Access Fee
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Projected return p.a. after all fees
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CashUp Simple
Lowest risk portfolio

This model portfolio aims to achieve yields comparable to or higher than prevailing money market rates, while maintaining a high liquidity. It consists of money market funds invested into fixed deposits and other high-quality money market instruments of short maturities, resulting in a portfolio duration of less than 60 days on average. There is a very high chance of capital preservation, although it is not guaranteed.

Underlying funds

Portfolio risk rating: 1

Risk considerations

Suitable for immediate and near-term cash needs. Key focus is capital preservation and providing liquidity, with yield comparable or higher than prevailing money market rates.

Negative returns (drawdowns) are rare, and when they occur will be minimal and come with a high chance of recovering within a few days.

Historical max lossi
歷史最大虧損i
-0.002%
Projected yield p.a.
4.6% to 4.8%*
Fund-level fees after Cashback
(0.20%)
Endowus Fee
(0.10%)
Projected yield
p.a. after all fees
4.3% to 4.5%*
CashUp Plus

This model portfolio aims to achieve yields comparable to or higher than prevailing money market rates, while maintaining a high liquidity. It consists of money market and cash funds primarily invested into fixed deposits and other high-quality money market instruments, or high quality short-term bonds, resulting in a portfolio duration of less than 1 year on average. There is a high chance of capital preservation, although it is not guaranteed.

Underlying funds

Portfolio risk rating: 1

Risk considerations

Suitable for both near-term and mid-term cash needs. Suitable for investors who wish to earn higher returns on cash, in exchange for higher risk potential compared to CashUp - Simple.

Chances of negative returns are slightly higher than CashUp - Simple. While these losses may be minimal, recovery may take up to a few months.

Historical max lossi
歷史最大虧損i
-0.02%
Projected yield p.a.
4.5% to 4.7%*
Fund-level fees after Cashback
(0.20%)
Endowus Fee
(0.10%)
Projected yield
p.a. after all fees
4.2% to 4.4%*
CashUp - Simple
Lowest risk portfolio

This model portfolio aims to achieve yields comparable to or higher than prevailing money market rates, while maintaining a high liquidity. It consists of money market funds invested into fixed deposits and other high-quality money market instruments of short maturities, resulting in a portfolio duration of less than 60 days on average. There is a very high chance of capital preservation, although it is not guaranteed.

Underlying funds

Portfolio risk rating: 1

Risk considerations

Suitable for immediate and near-term cash needs. Key focus is capital preservation and providing liquidity, with yield comparable or higher than prevailing money market rates.

Negative returns (drawdowns) are rare, and when they occur will be minimal and come with a high chance of recovering within a few days.

Historical max lossi
歷史最大虧損i
-0.002%
Projected return p.a.
How is this range calculated?
4.6% to 4.8%*
Fund-level Fees after Cashback
(0.20%)
Endowus Fee
(0.10%)
Projected return p.a. after all fees
4.3% to 4.5%*
CashUp - Plus

This model portfolio aims to achieve yields comparable to or higher than prevailing money market rates, while maintaining a high liquidity. It consists of money market and cash funds primarily invested into fixed deposits and other high-quality money market instruments, or high quality short-term bonds, resulting in a portfolio duration of less than 1 year on average. There is a high chance of capital preservation, although it is not guaranteed.

Underlying funds

Portfolio risk rating: 1

Risk considerations

Suitable for both near-term and mid-term cash needs. Suitable for investors who wish to earn higher returns on cash, in exchange for higher risk potential compared to CashUp - Simple.

Chances of negative returns are slightly higher than CashUp - Simple. While these losses may be minimal, recovery may take up to a few months.

Historical max lossi
歷史最大虧損i
-0.02%
Projected return p.a.
How is this range calculated?
4.5% to 4.7%*
Fund-level Fees after Rebates
(0.20%)
Endowus Fee
(0.10%)
Projected return p.a. after all fees
4.2% to 4.4%*
Projected yield is calculated based on latest available weighted average net yields of underlying funds (or also called yield-to-maturity) as disclosed by each fund manager, either in the latest monthly fund factsheets, website or direct communication to fund distributor (as of 30 Apr 2025). Projected yield after all fees are net of fund-level fees after Cashback and Endowus fees. Investors are reminded that this is an investment product and its value may rise, as well as fall. Please refer to our T&C and disclaimer at https://hk.endw.us/legal. This advertisement has not been reviewed by the SFC.*Not guaranteed.
Learn more about this portfolio in our article
Learn more about these model portfolios in our article
Portfolio Product Risk Rating: Please note that any portfolio product risk rating (the “PoRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. For model portfolios, the portfolio PoRR is a weighted average product risk rating of funds included in the model portfolio rounding to the nearest integer. The PoRR is subject to change from time to time. The PoRR does not take into account your individual circumstances, objectives or needs and should not be regarded as advice or recommendation to purchase, hold or sell any fund or make any other investment decisions. Accordingly, you should not solely rely on the PoRR when making your investment decision in the relevant Portfolio.
Fund allocation percentages are for reference only and will be subject to adjustments due to market circumstances.

Meet our advisors

Dominic Ong
CFO and Head of Strategic Partnerships
Steffanie Yuen
Head of Hong Kong
Sin Ting So
Chief Client Officer
Hugh Chung
Chief Investment Advisory Officer
Edwin Ho
Senior Client Advisor
Vanessa Wong
Client Advisor
Dominic Ong
CFO and Head of Strategic Partnerships
Steffanie Yuen
Head of Hong Kong

Our customised solutions for your organisational needs

Portfolios
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Get customised investment solutions tailored by our Investment Office based on your firm’s investment needs and goals. A rigorous process of fund screening, due diligence and portfolio construction is done to ensure that you get what works best for you.
Endowus uses best-in-class funds as building blocks for your business needs. We implement a strict, institutional-grade screening process that is rigorous, thorough, and continuous.
Obtain access to alternative asset classes such as private equity, private credit, private real estate, quant, hedge funds, absolute return, and market-neutral funds. These will complement your public market portfolio and offer greater diversification.

Our client success story

SME
Non-profit
Family Office

Jackie Lee, CEO clickTrue Pte Ltd

Endowus offers personalised service for my corporate account at a low, transparent fee that my firm was not able to obtain through corporate banking accounts. I also get a wide range of investment tools that can be used for working capital management.

XXX, CFO, Charity YYY

My charity can obtain very low-risk money market funds for my short-term cash holdings with high liquidity. One of the key advantage of using Endowus is that the assets are safely custodised in my charity’s own legal name with UOB Kay Hian.

Non-profits and charities are eligible for a preferential rate.

YYY, CIO, Family Office

I have a wide variety of investment instruments, denominated and hedged in major currencies. I also have access to a dedicated advisor to service my account, which is what I struggle to get with private banks at my account size.

Low, fair fees

cash management solutions
0.1% p.a.
Across all different currency solutions
advised portfolios
0.25% - 0.6% p.a.
Based on net invested amount
CASHBACK ON TRAILER FEEs
100%
We rebate it all back to you

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Learn how Endowus Treasury Solutions is one of the best options to seek out higher yields.

Monthly cash management solutions update

Check out the latest yields for key cash management funds and CashUp Portfolios.

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