About
Endowus is a MAS-regulated wealth management platform that helps individuals in Singapore and Hong Kong invest smarter across all major funding sources — CPF, SRS, and cash. The platform provides access to expert-curated portfolios including Flagship (long-term growth), Income (dividends and stability), and Cash Smart (high-yield liquidity), as well as a self-directed fund selection from a universe of 400+ best-in-class funds spanning passive index, private markets, hedge funds, and AI-focused strategies. A core differentiator is Endowus's conflict-free model: it rebates all fund manager commissions back to clients, ensuring advice is driven solely by investor interests. Clients benefit from institutional share class pricing — historically reserved for the ultra-wealthy — at a single, transparent all-in fee. The platform is designed for both beginners and sophisticated investors, offering personalised portfolio recommendations backed by decades of research and optional access to human advisors. Assets are held securely in clients' own names at Endowus and UOB Kay Hian, with double-ledger security. Endowus also serves corporate clients and accredited investors with access to private markets and hedge funds. It is ideal for salaried professionals looking to optimise their CPF returns, tax-conscious investors using SRS, and anyone seeking a low-cost, globally diversified investment strategy.
Key Features
- Multi-Source Investing (CPF, SRS & Cash): Invest across all major funding sources — CPF Ordinary Account, Supplementary Retirement Scheme (SRS), and cash — in one unified platform.
- Curated & Custom Portfolios: Choose from expert-advised model portfolios (Flagship, Income, Cash Smart) or build your own from a selection of 400+ institutional-grade funds.
- Conflict-Free Commission Rebates: All trailer fees and commissions received from fund managers are fully rebated to clients, eliminating financial incentives that could bias advice.
- Institutional Share Class Access: Clients gain access to lower-cost institutional fund share classes, previously available only to ultra-high-net-worth and institutional investors.
- Private Markets & Accredited Investor Access: Eligible accredited investors can access private market funds and hedge funds through Endowus Private Wealth for enhanced diversification.
Use Cases
- Investing CPF Ordinary or Special Account savings in globally diversified funds to outperform default CPF interest rates.
- Using SRS contributions to invest for retirement while receiving annual income tax relief in Singapore.
- Parking idle cash in the Cash Smart portfolio for higher-yield, liquid returns without lock-up restrictions.
- Building a long-term passive investment portfolio using low-cost index funds or actively managed institutional-class funds.
- Accredited investors diversifying into private equity, private credit, and hedge funds through Endowus Private Wealth.
Pros
- Truly Conflict-Free Model: Full commission rebating to clients removes advisor conflicts of interest, making Endowus one of the most transparent wealth platforms in Asia.
- Broad Funding Source Coverage: Unique ability to invest CPF, SRS, and cash through a single platform, maximising retirement and tax-advantaged funds simultaneously.
- Institutional-Grade Access at Retail Scale: Retail investors gain access to lower-fee institutional fund classes and private market opportunities typically reserved for the ultra-wealthy.
- MAS-Regulated and Custodially Secure: Regulated by the Monetary Authority of Singapore with assets held in clients' own names, providing strong investor protection.
Cons
- Singapore & Hong Kong Only: The platform is currently available only to investors in Singapore and Hong Kong, limiting its reach to other markets.
- Fee Applies on All Assets Under Management: Unlike some zero-commission platforms, Endowus charges an all-in management fee, which may add up for very large or very small portfolios.
- Limited Active Trading Features: The platform is designed for long-term investing and lacks real-time active trading tools, which may not suit short-term or tactical investors.
Frequently Asked Questions
Can I invest my CPF savings through Endowus?
Yes. Endowus supports investment of CPF Ordinary Account (OA) and Special Account (SA) funds under the CPF Investment Scheme (CPFIS), allowing you to earn returns above the standard 2.5% p.a. CPF interest.
How does Endowus make money if it rebates commissions?
Endowus charges a transparent, all-in access fee based on your assets under management. This fee is clearly disclosed and replaces hidden trailer fee commissions, ensuring the platform's incentives align with client outcomes.
Is my money safe with Endowus?
Assets are held in your own name at Endowus and custodian UOB Kay Hian using a double-ledger security model. Endowus is regulated by the Monetary Authority of Singapore (MAS).
What is the Cash Smart portfolio?
Cash Smart is a suite of short-term cash management portfolios offering higher yields than traditional savings accounts, with no lock-up periods and no investment limits — suitable for emergency funds or idle cash.
Who is Endowus suitable for?
Endowus is designed for working professionals, retirees, and corporates in Singapore and Hong Kong who want to grow CPF, SRS, or cash wealth through diversified, low-cost portfolios with unbiased advice.
