Performance, underlying funds & securities

Earning income, tailored to you

Whether you prefer stable payouts, higher payouts, or higher capital appreciation, we balance higher-yielding assets and higher-quality assets to meet your unique income and wealth accumulation needs.

All-weather approach

Our portfolios were built with resiliency in mind, to manage risk through market volatility and changing macro environments.

Global access to the best

We give you access to some of the best-in-class income-generating funds and opportunities worldwide – thanks to our globally diversified, multi-asset, multi-manager, flexible approach.

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3 OPTIONS DESIGNED FOR DIFFERENT LIFE STAGES AND OBJECTIVES

Great for retirees and for regular income
Stable Income
100% Fixed Income
Current payout target p.a.
4.0% to 5.0%
Estimated capital
appreciation p.a.
–0.5% to 2.0%
Estimated total return p.a. (includes fund-level fees)
3.5% to 7.0%
Great for working adults with higher living expenses
Higher Income
20% Equities | 80% Fixed Income
Current payout target p.a.
5.0% to 6.0%
Estimated capital
appreciation p.a.
–1.5% to 3.0%
Estimated total return p.a. (includes fund-level fees)
3.5% to 9.0%
Great for younger working adults with long-term goals
Future Income
40% Equities | 60% Fixed Income
Current payout target p.a.
3.0% to 4.0%
Estimated capital
appreciation p.a.
1.0% to 6.0%
Estimated total return p.a. (includes fund-level fees)
4.0% to 10.0%
Figures do not include trailer fee rebates and Endowus Access Fees.
Current payout target, estimated capital appreciation and estimated total return are not guaranteed and are estimates only.
See returns details & underlying funds
See returns details & underlying funds
See returns details & underlying funds

Sam Rhee

Endowus Chief Investment Officer (CIO)

Introducing Endowus Income Portfolios

Receive monthly payouts while growing or preserving your capital, through our life stage-based Income Portfolios.

Independently designed by our Investment Office with only best-in-class income-generating funds worldwide, we adopted an all-weather approach when constructing these portfolios to meet your real-world needs for passive income.

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Low, fair fees

all-in-access fee (P.a.)
0.25-0.6%
We charge less than half the industry average
sales fees
0%
Zero extra charges, always
trailer fee rebates
100%
We rebate it all back to you
learn more about fees

Portfolio performance, underlying funds & securities

Start investing in Income Portfolios

Download the Endowus app and start investing in Income Portfolios. If you would like to learn more, refer to our FAQs.

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Want to know more?

How do we calculate current payout target, estimated capital appreciation and estimated total return of the Endowus Income portfolios?

Current payout target p.a.

Current payout target is an estimated amount of money you will receive on a regular basis per annum from your Passive Income portfolio. This estimated payout is calculated based on the target fixed and variable coupons/dividends of the underlying funds in the portfolio.


Estimated capital appreciation p.a.

Estimated capital appreciation is the range of outcomes that the Income portfolio’s investment value can potentially grow on average per year, excluding payouts. We use 10 year rolling historical data to calculate estimates of the top 5% and bottom 5% probable outcomes.


Estimated total return p.a.

Estimated total return is the current payout target plus estimated capital appreciation, and is the best representation of your total gains by investing in the Income portfolio.


Please refer to our FAQ page  for more information. 



Why is there a $10,000 minimum investment requirement for an Income Portfolio?

The Income portfolios seek to provide meaningful passive income for investors in the form of regular cash payouts. Investments less than $10,000 would result in cash payouts that are unlikely to be meaningful in size, and would not meet the operational requirements for distributions. 


Please refer to our FAQ page for more information.

When will I receive the payouts?

You will receive the payout whenever an underlying fund in the Income Portfolio pays out a distribution. 


In general, you can expect to receive payouts on a monthly basis. All funds in the Endowus Income Portfolios pay distributions  on a monthly basis, except the FSSA Dividend Advantage Fund (which is included in the Future Income portfolio and pays dividends on a quarterly basis). The exact payment date varies for each fund, and that means that you may receive payout amounts on different dates in a month. 


What is the asset allocation of each Income Portfolio?

Stable Income - capital preservation with stable payouts: 

The Stable Income portfolio invests in 100% fixed income to provide capital preservation, mostly in higher quality and broadly diversified fixed income products. It is designed to prevent the distribution payout from eating into the capital of your long term savings and maintain stable, long term expected payouts of 4~5% p.a., with limited or no capital appreciation. 


Higher Income - sustained, higher cash inflow: 

The Higher Income portfolio invests in 80% fixed income and 20% equity. The portfolio is  predominantly allocated to  fixed income, with a skew towards higher risk and higher yielding fixed income products to increase the current expected payouts to 5~6% p.a. 


Future Income - laying a foundation for the future:

The Future Income portfolio invests in 60% fixed income and 40% equity, and has a current expected payout of 3-4% p.a. It has exposure to broadly diversified and higher yielding (higher risk) fixed income funds, and a mix of dividend paying and accumulating equity funds to grow the invested capital over the long term.


Please refer to our FAQ page for more information.


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