If you’re looking to invest your money in Singapore, you might want to consider Endowus. Endowus is a robo-advisor that allows you to invest using your CPF and SRS funds. It is one of the many robo-advisors in the market set up to help investors reach their financial goals. Endowus uses evidence-based investing for asset allocations to maximise your returns at the lowest cost possible.
Endowus is a platform that allows all Singapore investors to invest efficiently like the major institutions such as university endowments, sovereign wealth funds, and the GICs of this world. The investment team is led by Samuel Rhee, an experienced investor with more than 27 years of experience in the industry. With access to leading fund managers globally, Endowus allows the everyday investor to grow CPF, cash and SRS at a low cost.
Overall, Endowus is a great option for those looking to invest in Singapore. But what exactly is Endowus, and what makes it stand out from other robo-advisors in the market? In this article, we’ll take a closer look at Endowus and provide you with a comprehensive review of its features, investment products, fees, and performance.
Key Takeaways
- Endowus is a robo-advisor in Singapore that allows you to invest using your CPF and SRS funds
- Endowus uses evidence-based investing for asset allocations to maximise your returns at the lowest cost possible
- The investment team is led by Samuel Rhee, an experienced investor with more than 27 years of experience in the industry
What Is Endowus?
If you’re looking for a robo-advisory service in Singapore, Endowus is one of the pioneers. Endowus is a financial technology company that provides a platform for investors to invest in institutional-quality financial products at low cost.
A Pioneer in Robo-Advisory Services
Endowus is a Singapore-based financial institution that has been providing robo-advisory services since 2017. The company aims to democratize investment opportunities by providing access to institutional-quality financial products to retail investors. Endowus has established partnerships with leading global fund managers to offer a wide range of investment products, including exchange-traded funds (ETFs), mutual funds, and separately managed accounts (SMAs).
Endowus’ investment team is led by Samuel Rhee, an experienced investor with over 27 years of experience in the industry. The team uses empirical data to help investors access time-tested, diversified strategies for the best returns. Endowus does not manage your money directly; instead, they vet the fund managers that build your portfolio.
Endowus’ Partnership with UOB Kay Hian
Endowus has partnered with UOB Kay Hian, a leading financial institution in Singapore, to offer access to its platform. UOB Kay Hian is a member of the United Overseas Bank (UOB) Group, one of the largest banks in Southeast Asia. The partnership allows Endowus to leverage UOB Kay Hian’s expertise in securities trading and settlement.
Endowus’ partnership with UOB Kay Hian also enables investors to invest their Central Provident Fund (CPF) and Supplementary Retirement Scheme (SRS) funds through the platform. Endowus is the first digital wealth platform to offer such a service in Singapore, making it an attractive option for investors looking to invest their retirement savings.
Overall, Endowus is an exciting option for investors looking for a robo-advisory service in Singapore. Its partnerships with leading global fund managers and UOB Kay Hian make it a credible platform for investing in institutional-quality financial products at low cost.
Investment Products and Options
When it comes to investing your money, Endowus offers a diverse range of funds that can help you achieve your financial goals. Whether you’re investing through CPF, SRS, or cash, Endowus has a range of investment products to suit your needs.
Diverse Range of Funds
Endowus offers a range of investment options, including unit trusts, ETFs, and equities. With a portfolio of between $20,000 – $500,000, it also offers the lowest fees amongst the three robo-advisors. This is great news for investors who are looking to diversify their portfolio and keep costs low.
CPF, SRS, and Cash Investment
Endowus allows you to invest using your CPF and SRS funds. This means that you can grow your retirement savings while keeping costs low. With Endowus, you can also invest using cash, which is great for those who want to start investing but don’t have a lot of money to begin with.
Fund Smart and Cash Smart Solutions
Endowus offers Fund Smart and Cash Smart solutions that can help you achieve your investment goals. Fund Smart is a low-cost investment solution that offers a range of investment options, including unit trusts, ETFs, and equities. Cash Smart is a cash management solution that allows you to earn higher interest rates on your cash while keeping it liquid.
In conclusion, Endowus offers a range of investment products and options to suit your needs. Whether you’re investing through CPF, SRS, or cash, Endowus has a solution that can help you achieve your financial goals. With its low fees and diverse range of funds, Endowus is a great choice for investors who are looking to diversify their portfolio and keep costs low.
Understanding the Fees Structure
If you’re considering Endowus as your investment platform, it’s important to understand the fees structure. Endowus charges an all-in access fee, which is explained below.
All-In Access Fee Explained
The all-in access fee is Endowus’ management fee, and it covers all advisory and investment services, product and platform access. The fee differs based on your portfolio type and funding source, which can be Cash, CPF-OA, or SRS. The all-in access fee is calculated based on your Assets under Advice (AUA).
Endowus’ all-in access fee ranges from 0.05% to 0.60%, depending on your portfolio type and funding source. It’s worth noting that this fee is one of the lowest in the market, making Endowus an attractive option for investors looking to keep costs low.
Comparing Costs with Other Platforms
When comparing Endowus’ fees with other investment platforms, it’s important to consider all costs. Endowus charges no sales fees, transaction fees, redemption charges, or lock-in periods. Additionally, Endowus offers 100% rebates on any trailer fees it receives.
Compared to other robo-advisors in Singapore, Endowus’ fees are highly competitive. For example, StashAway charges a management fee of up to 0.8%, while Syfe charges up to 0.65%. Endowus’ all-in access fee is significantly lower than these platforms, making it the lowest cost option for investors.
In conclusion, Endowus’ all-in access fee is one of the lowest in the market, making it an attractive option for investors looking to keep costs low. When comparing fees with other platforms, it’s important to consider all costs, including sales fees, transaction fees, redemption charges, and lock-in periods.
Investment Strategy and Performance
When it comes to investing, it is important to have a clear investment strategy that aligns with your risk profile and financial goals. Endowus is a Singapore-based investment platform that takes an evidence-based investing approach to help you invest your money in a diversified portfolio of low-cost funds.
Evidence-Based Investing Approach
Endowus believes in the power of evidence-based investing, which involves using data and research to make informed investment decisions. This approach is grounded in the idea that the market is efficient and that it is difficult to outperform the market consistently over time. Therefore, Endowus focuses on building portfolios that are designed to capture market returns at a low cost.
Endowus also believes in the importance of diversification, which involves spreading your investments across different asset classes and geographies to reduce risk. By investing in a diversified portfolio of low-cost funds, you can benefit from the long-term growth potential of the market while minimizing your exposure to any one particular investment.
Historical Performance and Projected Returns
So, how has Endowus’ investment strategy performed historically? According to their Q4 2021 performance review, their flagship Cash/SRS equities portfolio delivered a solid quarter with a +5.9% return, and was their best performing equities portfolio for Q4 2021, lifting the full year performance to +22.3%. Their Core ESG equities portfolio continued its positive performance in Q4 and returned 4.3%, bringing the full year performance to +19.2%.
It is important to note that past performance is not indicative of future results, and that investing always involves risk. However, based on Endowus’ evidence-based investing approach and historical performance, it is reasonable to expect that their portfolios will continue to deliver solid returns over the long term.
In conclusion, if you’re looking for an investment platform that takes an evidence-based investing approach and offers a diversified portfolio of low-cost funds, Endowus may be a good option for you. With their historical performance and projected returns, they offer an exciting opportunity to invest in the market and grow your wealth over time.
User Experience and Customer Service
When using the Endowus investment platform, you can expect a smooth and intuitive user experience. The platform is easy to navigate, and you can quickly find the information you need about the financial products and services available. The platform is designed to help you make informed investment decisions, and you can access a range of investment advice and resources to help you achieve your financial goals.
Navigating the Endowus Platform
The Endowus platform is designed to be user-friendly, and you can easily navigate the site to find the information you need. The platform offers a range of financial products, including CPF and SRS investments, and you can quickly compare the different options available to you. The platform is also designed to be mobile-friendly, so you can access your account and make investment decisions on the go.
Support Services and Financial Advice
Endowus offers a range of support services to help you make informed investment decisions. The platform offers access to a team of experienced financial advisors, who can provide you with personalised investment advice tailored to your individual needs. The team is available to answer any questions you may have about the investment products and services available, and can help you to choose the right investment strategy to meet your financial goals.
In addition to the support services available, Endowus also provides a range of financial advice and resources to help you make informed investment decisions. The platform offers access to a range of investment research and analysis, as well as educational resources to help you understand the financial products and services available. You can also access a range of investment tools and calculators to help you plan your investment strategy and track your progress over time.
Overall, the user experience and customer service provided by Endowus is excellent. The platform is easy to use, and you can access a range of support services and resources to help you make informed investment decisions. Whether you are a seasoned investor or just starting out, Endowus is a great choice for anyone looking to invest in the Singapore market.
Frequently Asked Questions
How exhilarating are the returns when investing with Endowus?
Investing with Endowus can be exhilarating, but it’s important to remember that investing always carries some level of risk. Endowus uses evidence-based investment strategies to maximise returns while keeping costs low. While there are no guarantees, Endowus has a strong track record of delivering solid returns for their investors.
What are the thrilling benefits of using Endowus for my CPF investment?
Endowus allows you to invest your CPF savings in a range of funds, giving you the opportunity to grow your retirement savings at a low cost. Endowus also offers CPF investors access to institutional share classes that are not typically available to retail investors, which can lead to higher returns over time.
Can you believe how low Endowus keeps their fees?
Endowus is committed to keeping their fees low, with an all-in fee of just 0.4% per annum for their investment portfolios. This includes all fund management fees, custodian fees, and platform fees, making Endowus one of the most cost-effective investment options available in Singapore.
Is it true that Endowus has robust safety measures in place for investors?
Yes, Endowus takes the safety and security of their investors’ assets very seriously. Endowus partners with UOB Kay Hian, one of the largest brokerage firms in Singapore, as their custodian. This means that your investments are held separately from Endowus’ own assets, providing an extra layer of protection.
How does Endowus stand out in the vibrant Singapore investment landscape?
Endowus stands out in the Singapore investment landscape by offering a range of investment options, including access to institutional share classes and the ability to invest your CPF savings. Endowus also uses evidence-based investment strategies to maximise returns while keeping costs low, making it an attractive option for both novice and experienced investors.
What marvellous options does Endowus offer for cash management?
Endowus offers a range of options for cash management, including low-cost cash management portfolios that provide higher yields than traditional savings accounts. Endowus also offers access to Singapore Savings Bonds, which provide a safe and flexible way to invest your cash. Overall, Endowus offers a range of options for managing your cash that can help you achieve your financial goals.