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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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 — 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: “The 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

📚 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 — 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 — 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 — 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 — 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 — 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
LIVE AT 12PM: Webinar: Launch of Amundi low-cost index funds for CPF

🎧 Tune in to our webinar at 12pm today, to find out more about the most affordable funds on the CPF Investment Scheme: https://sg.endow.us/3G55dkU

There will be a Q&A segment at the end of the session. Drop your questions ahead of time here: https://sg.endow.us/3U2i1OP
The thrifty millionaire: A bucket of fried chicken was the highest form of luxury for young Loo Cheng Chuan, or Loo as the founder of the 1M65 movement is more affectionately known today. For the "CPF millionaire" still living out of a HDB flat, that frugal past hasn’t left him. But it comes with a valuable caveat: financial freedom isn’t achieved through saving alone, but through investing over time.

To Loo, feeling like a million bucks doesn’t come from indulgences; it comes from winning in his investment journey — and enjoying the simple life. Read his story here: https://sg.endow.us/3n5RCTS

Loo's story is one of many in our client feature series, On The Money, in which real clients open up about the life stories that have shaped how they view money and wealth — as well as their journeys towards financial wellness.
A big thank you to CPF Board for inviting our CEO Greg to speak on the recent Maximising Your Money webinar with CPF Board Senior Deputy Investment Director Hwee Beng, and ex-financial blogger Jun Xi. They shared what CPF members should look out for when looking to maximise the use of their CPF Investment Scheme (CPFIS).

It was a smashing turnout last week with more than 1,600 interested participants signing up for the session. The panellists were kept busy through the evening as questions streamed in from the audience. We’re thrilled that more CPF members are eager to find out more about how they can maximise the use of CPFIS.

As Singapore’s first and leading digital advisor for CPF investing, Endowus is proud to work with CPF to have investors learn more about CPFIS. Get started on your investing journey with us — be it with CPF, SRS, or Cash — at endowus.com.
What can the downfall of Silicon Valley Bank and Credit Suisse teach us as investors? A bank run looks terrifying, but investors can find peace of mind from diversification and due diligence.

In our latest Science of Wealth column in The Business Times, Endowus Chairman & CIO, Samuel Rhee, and Director of Investment Research, Min Axthelm, offer some perspective on how to keep a cool head by being driven by empirical evidence and not by emotion. Read more here: https://sg.endow.us/3UbomYs
Endowus has won "Best Digital Wealth Management Experience" in this year's Triple A Digital Awards by The Asset. We are honoured to fly our Singapore flag high, alongside fellow award recipients and industry leaders like DBS Bank.

Every honouree is a credit to this community pushing the boundaries of wealth tech — who remain committed to constant innovation and developing a unique digital experience for customers. Endowus will continue to leverage technology and deliver the best digitally-enabled and personalised wealth solutions, to systematically help our clients invest better to live better.

We will bring the same spirit of excellence into Hong Kong, proliferating the independent, fee-only service as a market-first through our digital wealth platform, to lower cost and improve outcomes for all investors.
Upcoming webinar: Beyond REITs — A 101 session on private real estate | 19 Apr, Wed, 12.30PM

Real estate investment trusts or REITs are especially popular in Singapore — but they are not the only way to invest in real estate. With the value of global real estate investment portfolios exceeding US$2 trillion, there is much more beyond investing in S-REITs.

Join Endowus and our guest speakers from UBS Asset Management at this educational webinar that will discuss:
1. What is private real estate?
2. An overview of the private real estate landscape
3. How private real estate differs from REITs, and why this matters

🏘️ RSVP here: https://sg.endow.us/3m8UfnL
Lego pieces and investment portfolios — what do they have in common? Amid the recent market volatility, investors need to look closer at the building blocks of their core portfolios, be it from digital wealth managers or traditional wealth advisors. The bar should be set higher for all financial advisors. How your portfolios are built makes all the difference: https://sg.endow.us/3nA2oC0

🧑‍🎓📚 &anotherthing is a series by Endowus Insights, where we demystify common terms in investing and economics so you can invest with confidence.