Endowus
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Singapore's first and only digital advisor for your Cash, CPF & SRS.
Licensed by the Monetary Authority of Singapore.
Invest better to live better.
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Endowus is thrilled to welcome Hugh Chung onboard! As Chief Investment Advisory Officer, Hugh will work closely with our Chairman & CIO, Samuel Rhee. Together, they will provide group strategic direction on the expert curation and management of all investment solutions across public and private markets, to achieve better outcomes for our clients in Singapore and Hong Kong.

Having more than 20 years of investment experience working with all asset classes, Hugh will lead the integration of investment functions and strategies from Endowus and Carret Private as one Endowus Group. He is the latest addition to Endowus' 14-person Investment Office, which provides institutional-grade fund manager selection, fund due diligence, as well as portfolio creation, optimisation, monitoring, and review. https://sg.endow.us/42c6Bf7
🎲 Are you trading stocks based on guesses, or do you rely on science and evidence? We all have our personal opinions on whether a stock or fund is expensive or cheap β€” but the more we trade in and out of the market based on these guesses, the more we are speculating.

We don’t need to hit the jackpot to do well. Staying disciplined and diversified helps us win consistently over time. Learn more: https://sg.endow.us/3TjO24t

πŸ§‘β€πŸŽ“πŸ“š &anotherthing is a series by Endowus Insights, where we demystify common terms in investing and economics so you can invest with confidence.
Curious about hedge funds? Join our webinar with UBS Asset Management β€” next Wednesday, 22 March, at 12.30pm β€” to learn more about this alternative investment option. Find out what hedge funds are, how they work, and the potential benefits and drawbacks of including them in an investment portfolio.

Register for the live webinar here: https://sg.endow.us/3JJI3ms
πŸ”₯ Is FIRE right for you? Learn more about the "financial independence, retire early" movement, the different ways to FIRE, and whether it will suit your lifestyle and goals: https://sg.endow.us/3LsPEqU
Upcoming webinar: How to invest your first $100,000 | 24 Mar, Fri, 12.30PM

Join us this coming Friday as Endowus CEO, Greg, and Senior Client Advisor, Sheryl, share strategies and tips on how you can outline savings and investment plans for your first $100,000.

1. Why is your first $100,000 a milestone, and how can you get there?
2. What are suitable investing strategies for a near-term horizon?
3. Longer-term investing strategies for retirement and legacy planning

Register for the live webinar here: https://sg.endow.us/3LzmEO7
Looking at your to-do list and planning to check off "start investing"? Join us at CPF Board's Zoom webinar on 30 March, Thurs, 7.30pm.

Take this as your first step into your investment journey, as Endowus CEO Greg provides valuable insight on today’s investment climate and CPF Board Senior Deputy Investment Director Hwee Beng shares how you can tap on the CPF Investment Scheme. CPF volunteer Jun Xi, an ex-financial blogger will also be present to share the ups and downs of his investment journey and lessons learnt along the way.

Register today! Seats are available on a first come, first served basis: https://sg.endow.us/3LIOEPg
Are young Singaporeans spending too much? Young adults are often written off as self-indulgent and financially irresponsible, blowing their money on Grab and $7 coffee instead of saving for the future. But is that truly the case?

In this article by The Business Times, Jamie Lee, Endowus’ Head of Financial Planning and Editorial, unpacks the spending and investing habits of young adults, and reminds them to be mindful of lifestyle creep and even higher inflation with luxury spending. https://sg.endow.us/3ZRCjN7
The age-old debate of passive vs active investing is in focus again, following the collapse of Silicon Valley Bank (SVB). While both strategies have their merits, our stance at Endowus remains firm β€” all our core portfolios are broadly diversified and have a strategic passive asset allocation that tracks global indices over time.

Endowus Chairman & CIO, Samuel Rhee, puts it succinctly: β€œThe benefit of passive broad market exposure is that you benefit from diversification. Even if a company goes bankrupt and goes to zero, it will not wipe out your investment. An active portfolio would probably have higher exposure.”

More in this article by The Straits Times: https://sg.endow.us/3TtxdEs
As part of UBS' takeover of Credit Suisse, the latter's Additional Tier 1 (AT1) bonds would be written down to zero. This decision rattled investors from Europe all the way to Asia.

Find out more about the rescue deal, what AT1 bonds are, and past Credit Suisse troubles. As with all recent major events, Endowus continues to advocate steady, regular investing in diversified and risk-adjusted portfolios over the long term. https://sg.endow.us/3lt1K8Z
What is passive investing? With a passive strategy, you buy funds that mirror the holdings of market benchmark indices such as the S&P 500. You also typically hold these index-tracking funds for a long time. In contrast, active investing involves short-term trading based on extensive research and analysis, with the aim of beating the market.

Find out more about index funds, how passive investing takes the stress out of investing, and why it should form a core part of your investment portfolio: https://sg.endow.us/42EyUmw

πŸ“š Explore our Fin.Lit Academy to learn more.
How should you be managing your first paycheck? Getting that first paycheck as a young adult can be exciting – and daunting. How do you balance spending and living for today, while also saving and investing for your future needs?

On CNA's Money Talks podcast, Endowus CEO Gregory Van recommends that young adults automate their savings and investments, and to get into the habit early. "The key is really to automate your habits because we tend to be spontaneous. When we don't take deliberate moves to automate things, we won't be saving that little bit every month that will build up into a lot (over time)," Greg says.

🎧 To learn more, listen to the episode from the Am I Adulting Right limited series: https://sg.endow.us/40fxBcc
Behind all the glitz and glamour, Joanne Peh is your regular Singaporean β€” weighing the cost of cab fares and admitting to acing A-level economics for the grades alone. But if she could have done it differently, she would have re-learnt the truer lessons behind economics and embraced the power of compounding to grow her wealth sooner. Having changed her mindset on investing, she hopes to teach her children how to look at money with a more open mind.

Read about the actress and entrepreneur's story here: https://sg.endow.us/404yTXk

Joanne's story is one of the many in our client feature series, On The Money, in which we feature real clients opening up about the life stories that have shaped how they view money and wealth β€” as well as their journeys towards financial wellness.
You can now invest your CPF in the two lowest-cost funds available on the CPF Investment Scheme. They are the Amundi Prime USA Fund and the Amundi Index MSCI World Fund β€” available exclusively on the Endowus Fund Smart platform.

Learn more about how you can invest better with these two Amundi passive index funds at our webinar this Friday at 12pm: https://sg.endow.us/3JXUavg

Investment involves risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance is not guaranteed. Please refer to our full disclaimer at https://sg.endow.us/mas. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Looking to invest your CPF? The Amundi Prime USA Fund and the Amundi Index MSCI World Fund are the most affordable way to access passive index funds in Singapore and on the CPF Investment Scheme β€” cheaper than SGX-listed ETFs and most UCITS ETFs. These new funds are now exclusively available on the Endowus Fund Smart platform.

Read our deep-dive article to learn more: https://sg.endow.us/42Roe4j

Investment involves risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance is not guaranteed. Please refer to our full disclaimer at https://sg.endow.us/mas. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Big name banks in crisis β€” should you be adjusting your investment portfolio?

Endowus Chairman and CIO, Samuel Rhee, cautions against over-concentration in any one country, sector, or company. Rather, investors should aim to be diversified across global markets, and make time their friend. Investors with a long-term horizon can pick up value investment opportunities especially in times of crisis when there is mispricing in the markets, and achieve better returns over the long run.

More in the latest episode of CNA Money Mind: https://sg.endow.us/3zhsX1E