How can I invest my CPF-OA monies with Endowus? (SG)

Here are steps to make CPF-OA investments with Endowus:

1. Complete the CPF Self-Awareness Questionnaire
2. Open a CPF Investment Account with an agent bank
3. Look up your CPF Investment Account number and link it to your Endowus account
4. Start investing your CPF-OA monies

A CPF Investment Account (CPF-IA) is necessary to invest the monies in your CPF Ordinary Account. Investing your CPF-OA monies with Endowus can be done entirely online seamlessly - from creating your CPF Investment Account (CPF-IA), to linking your CPF-IA to Endowus and investing your CPF-OA monies in our globally diversified, low-cost portfolios.

Step 1: Complete the CPF Self-Awareness Questionnaire

The CPF Investment Scheme Self-Awareness Questionnaire (CPFIS SAQ) contains 20 multiple-choice questions with no pass score.

Login with SingPass to complete CPFIS SAQ

Step 2: Open a CPF Investment Account with an agent bank

There are 3 agent banks which you can open a CPF-IA account with: UOB, DBS or OCBC. We recommend that you open a CPF IA with an agent bank which you have an existing banking relationship with.

UOB

1. You can open a CPF-IA with UOB completely online by clicking here. (Note: Recommended to use Google Chrome for applying with MyInfo.)

DBS

1. If you are an existing DBS/POSB customer, please complete this online application here.

2. If you do not have a DBS/POSB account, please open an Account with DBS/POSB here.

OCBC

1. Apply via logging into your existing OCBC online banking here.
2. Apply at any OCBC branch and bring along the following documents (Click here for more information):
   • NRIC (Singaporeans & PRs) 
   • Print-out of CPFIS SAQ status

   • One of the following documents: Phone bill / Half-yearly CPF statement / Any bank statement

Step 3: Look up your CPF Investment Account number and link it to your Endowus account

Find your CPF-IA number and link it to your Endowus Account. Log in to your account on a desktop browser > Go to Linked Accounts > CPF Investment Account. Under CPF Investment Account, you can click on 'Link Account' and input your CPF-IA details. The linkage should be completed within 1 business day.

Step 4: Start investing your CPF-OA monies

After you receive an email confirming that your CPF-IA is linked to your Endowus account, you can start making CPF-OA investment orders in your Endowus Account (we will directly withdraw funds from your CPF OA to fund your investment order). 

You'll first need to create an CPF-OA investment goal. Please click on this link to learn how. 

If you've already created an CPF-OA investment goal and would like to make a one-time investment or create a recurring investment to this goal, please refer to this link. 

As a CPFIS Registered Investment Administrator in Singapore, our broker partner UOB Kay Hian can draw the investment amount directly from your CPF-IA and CPF-OA to process your CPF-OA investments. If there are insufficient funds in your CPF-IA, we will draw from your CPF-OA balance. 

* It is important to remember that any returns you get from investing your CPF-OA monies will go back to your CPF OA.

** Please ensure sufficient funds for investing. If your investment order is rejected due to insufficient funds, the Agent Bank will charge you a fee for processing unsuccessful transactions.