Grow your CPF.

Endowus is the 1st and only digital advisor that can help you invest your CPF in best-in-class funds.

Being invested makes a big difference to your CPF money.

Move the sliders to see how your wealth can grow overtime.

Annualised returns of up to 12% p.a*

Your CPF OA investible balance is earning 2.5% guaranteed by the Singapore government. Grow your CPF by being invested for the long-term, with expected annualised returns of 3% to 12% p.a* (depending on your risk appetite).

Endowus is the only way to invest your CPF OA in passive low cost funds that track the S&P 500 Index and MSCI World Index.

With Endowus, you come first

We’ll help you to decide your risk profile and CPF investment strategy, then create an intelligent, low cost, globally diversified portfolio designed to meet your goals.

Low fees, with no hidden charges

No sales charges. No set up fees. No transaction fees. 100% trailer fee rebates. The Endowus fee is a fraction of the industry average - 0.40% per year, so you keep your returns.

*Not guaranteed. Projected returns calculated based on Endowus Flagship CPF Portfolio 10Y historical performance up to December 2021.

Want to know more?

How do I start investing my CPF with Endowus?

Endowus offers portfolios that you may use your CPF Ordinary Account (OA) money to invest in. As the first and only CPF digital advisor, investing your CPF with Endowus can be done entirely online by linking your Endowus account with your CPF Investment Account. 

How much CPF OA monies can I invest?

You can invest all of your CPF Ordinary Account balance above the maintenance balance of S$20,000. For example, if you have $50,000 in your CPF OA, you may use up to $30,000 of this for investing via the Endowus platform.

Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing through Endowus?

As with all investing, there are no guarantees and you must be comfortable taking some risks. This is in contrast with the interest guarantee provided by the Singapore Government for money left in your CPF accounts. If capital preservation is your primary concern, you may wish to consider leaving your CPF monies uninvested.


Endowus aims to help you invest with the highest probability of success. Historical data shows that over the long-term, investing in a broad market exposure portfolio is more likely to show positive returns. While there are no guarantees in investing, we believe in the power of markets and long-term investing to deliver a better outcome than the 2.5% p.a. CPF-OA interest.

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