Invest better to live better tomorrow and through retirement.

Licensed by MAS, Endowus is Singapore's first and only digital advisor for CPF, SRS, and cash savings, helping all of us invest holistically, conveniently, and with expert advice at the lowest cost possible. Our portfolios are built on globally diversified, best-in-class unit trusts optimised for different levels of risk. Please take a few minutes to read our FAQs below before scheduling a call.

Start your investment journey with Endowus by creating an account here.

1) What investments are offered by Endowus?
We offer globally diversified, low-cost portfolios built on best-in-class mutual funds (or unit trusts). We have chosen some of the most respected global fund management companies with aligned interests in serving you, and who also share our values and investment philosophy. We have carefully selected their best investment products that have exhibited solid long-term performance with consistent investment characteristics, and are offered at attractive institutional-level costs. These fund managers manage the underlying funds in your portfolio.

2) How much will I pay in fees?
For general investing, Endowus charges an Access Fee based on assets under advice (AUA), which includes portfolio advice & creation, unlimited transactions, all at your convenience on the Endowus platform.

Endowus has no sales fees, and 100% trailer fee rebates. Unlike other platforms, we do not collect kickbacks from fund managers. We are only paid by you, the client we serve.

Cash Investments:
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

CPF/SRS Investments:
Access Fee per annum based on assets under advice (AUA): 0.40% flat fee for any amount.

For Cash Smart (high yield cash management solutions), the Endowus Access Fee is 0.05% per year for any amount.‍

‍Fees are computed differently for Cash, SRS and CPF portfolios. If you have more than 1 type of portfolio (ie. both cash and CPF Portfolios), the fees will be computed separately. Note that Fund-Level Fees (fund total expense ratio) are charged by the fund manager out of the underlying fund Net Asset Value (NAV).

Please see here for more details.

3) Which funds are in Endowus portfolios?
For our Advised Model Portfolios for Cash and SRS, please visit:

For our Advised Model Portfolios for CPF, please visit:

For a full list of funds that we offer, please visit:


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