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Thousands invest and grow their Cash, CPF & SRS with Endowus, in expert global portfolios designed for their wealth goals, at low cost.

Thousands invest and grow their Cash, CPF & SRS with Endowus.

Built for the Singapore-Based Investor
Licensed by the Monetary Authority of Singapore (MAS), Endowus is a financial technology company and the first-and-only digital investment advisor for the Central Provident Fund (CPF), Supplementary Retirement Scheme (SRS), and cash. Endowus offers access to superior investment products that are tax and currency efficient, personalised advice, and lower costs on a seamless digital investment platform for everyone. Partnered with UOB Kay Hian, Singapore’s largest broker, client assets and positions are safely held in the client’s own name.

Personalised Advice
Clients love us for our digital wealth platform built and our human advice. You can schedule a call with one of our MAS-licensed investment advisors whenever you want.

Lower Fees. Higher Returns. No Sales Charges.
No sales fees. No transaction fees. 100% trailer fee rebates. We can't control the markets, but we can help you reduce the amount you pay in fees. We provide you access to the best investment opportunities at a fraction of the industry average.

Access the Experts and Invest with the Best
We implement our portfolios by accessing leading global fund managers with the expertise, scale and real, proven track records in implementing their strategies successfully over time. We access their best-in-class funds at the lowest cost possible, so you grow your money like the best investors in the world. Access PIMCO, Vanguard, Dimensional, Schroders, First State, Legg Mason, Fullerton, and more.

Science over Speculation.
Evidence-based investing means using time-tested, research-backed strategies to reach your goals. Underpinned by broad diversification and passive strategic asset allocation to create your portfolios, we maximize returns while minimizing risk over the long-term. Backed by the research of Nobel Laureate academics, we advocate passive and systematic strategies that have broad market exposure.

Featured in the Press
"Locals who want to invest their Central Provident Fund (CPF) savings are being wooed with a less costly option by financial advisory firm Endowus." - The Straits Times

"Low cost portfolios get you a headstart, says Endowus. The fee-only firm will invest in institutional share classes of funds, where management fees are significantly lower." - The Business Times

What’s New

Version 1.4.2

Optimisation for linked accounts

Ratings and Reviews

4.8 out of 5
342 Ratings

342 Ratings

emeeetannn ,

Great Experience

I had a great experience with Endowus the past (almost) 2 months. Compared to other robo-advisor which lump up all the customer's money/ shares in sub-custodian account, I feel more assured that my share are being held in a personal account with UOB Kay Hian. This may result in a longer onboarding time compared to the rest but nonetheless I feel that it is better this way. The onboarding experience/ user experience have been great! It is very convenient to find out the percentage of portfolio in the different funds and how each of the funds have been performing. I also loved how they provide access fee credit for referral instead of 6mths of free management fee. It really helps to offset the already low fee cost which help us to make sure more goes into our investment since every dollar counts. Lastly, they regular webinar that they provide really helps me to understand the market better which I have gone through at least half of it the past 2 mths. I also really appreciate that they cover ALL topic in the webinar even though it may not be related to Endowus fund (ie understanding ETFs and how to select the right ETFs).

jhen2193 ,

Great platform

I’ve been using Endowus since July 2020 and have been gradually increasing my investments over the year. It has a sleek and easy to use interface with lots of options for mutual funds, some of which are ordinarily available to institutional clients. Returns are decent as they are all contingent on when you invest and are pretty sensitive and at the same time resilient to the market i.e. timing, cycles etc. but would say that mutual funds tend to be long term so you should have that mindset to maximise the use of Endowus.

vgyy28 ,

Good way to invest your CPF money

Endowus has done a great job in providing a much cheaper option to invest our CPF money into various funds (unit trusts). I was generally not a supporter of unit trusts due to its expensive costs. However, Endowus has changed my impression with its trailer fee rebate model. One of the best robo-advisors in SG! However, the interface of the web login can be more user intuitive! And in the future, I hope Endowus can offer more innovative ways using AI to help investors filter out the relevant funds that suit their investment goals.

App Privacy

The developer, Endowus, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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