Endowus: Invest Cash, CPF, SRS 4+

Save. Invest. Grow‪.‬

Endowus Technologies Pte. Ltd.

    • Free

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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.

Start your financial journey with Endowus, and invest and grow all your wealth – cash, CPF and SRS – all through the Endowus app.

Investment solutions for all your wealth
Get a personalised financial plan with Endowus to help you reach your wealth goals. Choose from our holistic investment solutions, built using low-cost, best-in-class institutional funds managed by the world’s top fund managers.


Endowus is the first and only digital wealth manager for all your wealth – cash savings, Central Provident Fund (CPF), and Supplementary Retirement Scheme (SRS). Endowus is also regulated by the Monetary Authority of Singapore (MAS) and holds a Capital Markets Services (CMS) License.

We have taken security a step further than most, so when you invest with us, your funds are held in a trust account in your own legal name at UOB Kay Hian, Singapore’s largest broker.

Endowus is also the first to lead the industry with a 100% trailer fee rebate to our clients, demonstrating full transparency and alignment to optimise for investment performance by not taking any kickbacks from our fund managers.

Endowus has been awarded Wealthtech of the Year by Asia FinTech Awards 2021, and also received both the Fintech Innovation in Asset Management and Rising Star awards from Asia Asset Management Best of the Best Awards 2021. We have also been consistently rated the top robo-advisor in Singapore on Seedly with the highest rating of 4.81.


Greater access to the best: We provide retail investors with institutional access to leading global fund managers with expertise, scale and real, proven track records in implementing their investment strategies successfully over time.

Qualified, expert advice: We carefully consider various aspects of your personal and financial circumstances to help you craft personalised financial plans and a path to reaching them. Speak to our client experience team for us to prescribe a customised investment plan for you.

Fairer fees: We only charge a low, all-in access fee with no hidden charges. We also rebate 100% of trailer fees (an industry-first in Singapore) so investors can save even more money, with full transparency and no conflicts of interest.

1. Endowus Flagship Portfolios: Invest in globally diversified portfolios for longer-term goals. A great place for beginner investors to get started on their financial journey, and a must-have for seasoned investors.
2. Endowus ESG Portfolios: Do good while doing well with our innovative multi-asset, multi-fund manager portfolios that adhere to stringent ESG global standards, without compromising on your financial returns.
3. Endowus Satellite Portfolios: Gain exposure to select market opportunities by taking advantage of these optimised, best-in-class thematic portfolios designed by Endowus to target specific regions, themes, asset classes, and megatrends.
4. Endowus Income Portfolios: Grow passive income sustainably, as you receive monthly payouts while preserving, or even growing, your capital in the mid-to-long term.
5. Endowus Cash Smart: Cash management accounts to grow your shorter-term savings. Grow your cash with higher yields, no lock-ups, no limits, no penalties, no hidden charges, and no fuss.
6. Endowus Fund Smart: Build your own portfolios based on your own investment strategies, with access to best-in-class funds. Select from a list of more than 200 curated unit trusts across different asset classes, geographies, sectors, and themes.


Clients love us for our digital wealth platform and our personalised human advice. Schedule a call with our team of MAS-licensed wealth experts for financial planning advice, or just to find out more about us:
- WhatsApp at +65 3129 0038
- support@endowus.com
- https://endowus.com/financial-advisor-singapore

By downloading this app, you acknowledge that you are a resident in Singapore/Hong Kong, excluding U.S. Persons.

What’s New

Version 2.0.6

- Dashboard now displays new goal states after a goal has been created.
- Enhanced user interface with an "FX Convert All" button and swipe navigation for easier backward navigation.
- Optional wording added to the recurring amount.
- Various bug fixes and performance enhancements.
We strive to provide you with the best experience possible. Update now to enjoy these new features and improvements!

Ratings and Reviews

4.7 out of 5
1.1K Ratings

1.1K 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).

Kaliaa ,

Convenient investment at your fingertip

I have used endowus for my investment more than a year ago. To be fair, I started my investment journey with endowus. Along the way, I have also invested in other platforms. However, I have been constantly adding value to my endowus portfolios over the year and not other platforms. I have the trust that endowus will help me do a good investment. Over the years, the growth in endowus is quite steady compared to other platforms and I have been monitoring my portfolio on the app. They have been consistently improving the app so that more features are being brought over from the website.
I enjoyed using endowus because their customer service is top notch. They will answer any technical questions with paragraphs of explanation. I will still continue to invest in endowus and already have plans to move my other funds from other platform over.

Cherylng25 ,


I discovered the Endowus app only months after I set up my Endowus account, and was surprised the app wasn’t publicized much. This is the best amongst all the other robo-advisors I am using; the interface is clean and easy on the eyes, and also very user-friendly. Nonetheless, I’m still able to access all the information on the performance of my portfolio easily if I want to. I like that I can perform all functions on the app, such as setting up new portfolios, without having unnecessary re-directions to the web interface.

Besides the app, I’ve invested both CPF OA and Cash since 2020, and have been very happy with my performance thus far. Am quite a firm believer in the app, and hope the team continues with its great performance.

App Privacy

The developer, Endowus Technologies Pte. Ltd., 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

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