Overview

• Does Endowus operate in Malaysia or Indonesia?
• How does Endowus use Artificial Intelligence (“AI”) technology? (SG)
• Where is the Endowus Office located?
• What is an evidence-based approach to investing? (SG)
• What is your investment philosophy? (SG)
• What is Endowus and how does it work? (SG)
• See all 14 articles

Security

• Where are the securities custodised? (SG)
• How does Two-Factor Authentication (2-FA) work for my Endowus account and what do I need to know? (SG)
• What safeguards does Endowus have in place to ensure that my assets are protected from fraud? (SG)
• How secure is your website and my information with Endowus? (SG)
• Do you share my information with anyone else? (SG)

Account Opening

• How do I open an account? (SG)
• What supporting documents are required to update my account information? (SG)
• I live in Singapore but I'm not Singaporean or a Permanent Resident. Can I open an Endowus account? (SG)
• Can I set up a joint account? (SG)
• Does Endowus open accounts for US citizens or US-based persons? (SG)
• What is the Customer Knowledge Assessment (CKA) for Retail Investors? (SG)
• See all 9 articles

Fees

• Fee change for Cash Management Portfolios from 1 May 2024
• How much will I pay in fees? (SG)
• What is the Endowus Fee and how is it calculated? (SG)
• What are Fund-Level fees? (SG)
• What are trailer fees? (SG)
• Am I still charged the annual Endowus Fee even if I haven't used the Endowus platform for the whole year? (SG)
• See all 7 articles

Accredited Investors

• What is the difference between onboarding as an Accredited Investor and a Retail Investor? (SG)

Investing my SRS

• How can I invest my SRS monies with Endowus? How do I link my SRS account to my Endowus Account? (SG)
• How much of my SRS can I invest? (SG)
• What happens to my money when I redeem my SRS portfolio? (SG)
• How can I find my SRS number? (SG)
• How do I open a SRS account? (SG)

Investing my CPF

• What will happen to my CPF-SA investments when my CPF-SA closes? (SG)
• How can I invest my CPF-SA monies with Endowus? (SG)
• How do I link my CPF Investment Account and SRS Account to my Endowus account? (SG)
• How can I invest my CPF-OA monies with Endowus? (SG)
• How much of my CPF can I invest? (SG)
• Is it safer to leave my money in CPF where my returns are guaranteed as compared to investing through Endowus? (SG)
• See all 14 articles

General Questions

• What are funds with minimum investment amounts, and how do they affect my portfolio? (SG)
• How do I create my first investment? (SG)
• How do I set up investments (one-time and recurring)? (SG)
• What is the minimum age to open an account? (SG)
• Does Endowus have an initial minimum investment and account size? (SG)
• How long do Cash / CPF / SRS investments take to complete? (SG)
• See all 12 articles

Investing in Foreign Currencies

• Can I deposit money in other foreign currencies into my Endowus account?
• How do I create a foreign currency portfolio? (SG)
• Do you offer foreign currency investment options? (SG)
• How do I make FX conversions? (SG)

Choosing the Right Investments

• CX Bot Disclosure (SG)
• How do I know which portfolio suits my needs? (SG)
• How do I find the NAV of a fund? (SG)
• How does Endowus quantify a fund’s risk rating? (SG)
• What is the difference between Endowus Core Portfolios and Endowus Satellite Portfolios? (SG)
• Should I invest in Endowus Advised Portfolios or Endowus Fund Smart? (SG)
• See all 8 articles

How We Manage Your Money

• Best Execution Policy
• How did you design my portfolio and the asset allocation? (SG)
• Why does Endowus recommend portfolio changes and how do they work? (SG)
• Why did you choose Dimensional Fund Advisors? (SG)
• Why did you choose PIMCO? (SG)
• Why is the target asset allocation for my CPF portfolio different from my other investments working towards this goal? (SG)

Private Market and Hedge Funds

• How do I create an private market or hedge fund investment goal?
• Can I invest in private market or hedge funds with Endowus? (SG)
• How long do subscriptions and redemptions for Private Markets & Hedge Funds investments take? (SG)
• What are the Endowus Fees for Private Markets and Hedge Funds? (SG)

About Flagship Portfolios

• Which funds are in the Endowus Core Portfolios (Advised Portfolios)?

About Fund Smart

• How do I transfer my unit trust out of my Endowus account?
• Net Asset Value and Cross Pricing
• What are the benefits of transferring my unit trust holdings into Endowus Fund Smart?
• How do I transfer unit trust investments over to my Endowus account?
• How do I buy a single fund? (SG)
• How do I build a customised portfolio with multiple funds? (SG)
• See all 11 articles

About Cash Smart Portfolios

• Is there a minimum initial investment and minimum transaction size for Cash Smart? (SG)
• What are the risks of investing in Cash Smart? (SG)
• How do I invest in Cash Smart on the Endowus platform? (SG)
• Understanding your Cash Smart Portfolio yields (SG)
• How do I receive the gains from Cash Smart? (SG)
• Can I switch from one Cash Smart goal to another? (SG)
• See all 13 articles

About Income Portfolios

• Can I reinvest my Income Portfolio distributions instead of receiving them as cash? (SG)
• How do we calculate current payout target of the Endowus Income portfolios? (SG)
• Why do the Income Portfolios have a minimum $10,000 investment requirement? (SG)
• When will I receive payouts from my distributing portfolios? (SG)
• What is the asset allocation of each Income Portfolio? (SG)

About ESG Portfolios

• What is ESG investing? (SG)
• How do I invest in Endowus ESG portfolios on the Endowus platform? (SG)
• What is the difference between ESG investing, sustainable investing and impact investing? (SG)
• What are the differences between ESG/SRI ETFs and ESG investing in unit trusts? (SG)
• How do you design and manage the ESG portfolio and asset allocation? (SG)
• What is the difference between Endowus Flagship Portfolio vs Endowus ESG Portfolio? (SG)
• See all 7 articles

About Factor Portfolios

• What is the Endowus Factors Portfolio? What is a ‘factors’ investing strategy? (SG)
• How do I invest in the Factors Portfolio on the Endowus platform? (SG)
• What is the difference between Endowus Flagship, ESG and Factors portfolios? (SG)
• How is the Factors Portfolio managed as a discretionary portfolio? (SG)

About Satellite Portfolios

• How do I invest in the Satellite Portfolios on the Endowus platform? (SG)
• What is a Core-Satellite investment strategy? (SG)

Deposit Cash

• How do I change my recurring investment's funding method to eGIRO? (SG)
• eGIRO Payments
• How do I transfer cash to my Endowus account? (SG)
• I transferred money to my Endowus account, when will the cash deposit appear in my account? (SG)
• What should I do if I do not see my cash deposit in my Endowus account after 1 business day? (SG)

Performance

• Return Metrics for Alternative Investments
• What does the Investment Value or Redeemable Value of my account reflect? (SG)
• How does Endowus calculate performance and what return metrics do we use? (SG)
• How do I track the performance of my investments? (SG)
• How does Endowus calculate representative historical performance?

Others

• How do I cancel an investment or redemption order? (SG)
• How do I delete a goal? (SG)
• What does it mean for a fund to be hard closed? What is fund closure? (SG)
• Will I receive dividends or interest income? (SG)

Rebalancing

• How does Endowus rebalance the portfolios and how long does it take? (SG)

Transfer Between Goals

• How do I transfer funds between goals? (SG)
• How do inter-goal transfers work? (SG)

Redeem & Withdraw

• Can I redeem to a Cash Management goal? (SG)
• How do I withdraw my money from my Endowus account?
• How do I redeem (sell) my investments? (SG)

Invest

• How do I transfer cash into my Endowus account to fund my investment?
• Can I have multiple goals and portfolios? (SG)
• How do I modify goal or change investment portfolio? (SG)
• Why is my portfolio allocation different from the target allocation? (SG)
• How do I make changes to my recurring investments? (SG)

General Questions

• Fund exceptions
• How do I find out the price at which I bought or sold a fund? (SG)
• Accumulating Share Class vs. Distributing Share Class Funds (SG)

Monthly Statements

• Where can I see my monthly statements? (SG)
• How can I set up the auto-forwarding of monthly statements? (SG)
• Can I get a hard copy of my statements? (SG)

Technical Issues

• How do I troubleshoot issues with SMS One-Time Password (OTP)? (SG)
• How do I update my Endowus mobile app? (SG)

Rewards

• How does the Rewards & Referral Program work? (SG)

Updating Account Information

• What proofs are required for updating my Source of Wealth / Source of Funds? (SG)
• I forgot my password, how can I reset it? (SG)
• How do I change my address? (SG)
• How do I change the mobile number linked to my account? (SG)
• How can I change my user email address for my Endowus account? (SG)
• How do I close my account? (SG)
• See all 7 articles

Others

• How do I change the display currency of my Endowus account?
• Is Endowus liable for any financial decisions made or actions taken based on the advice provided?
• What happens when an Endowus account holder passes away? (SG)
• How do you handle complaints? (SG)