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Endowus Cash Smart helps you to access the best cash, money market, and short duration bond funds in the industry, at the lowest cost achievable. You will be provided with an advised portfolio suitable for your goals so your money never misses a day without working.
With Endowus, you can also grow your CPF through globally diversified portfolios comprising best-in-class unit trusts at the lowest cost possible.
UOB Kay Hian has partnered Endowus, the first home-grown CPF digital advisor, to bring this online solution to you.
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Enhance your CPF-OA return
Investment in Endowus funds has generated 10-years annual average returns of 7.8% for a 100% equity portfolio from 2009 to 2019 vs. 2.5% returns if you leave your CPF-OA untouched.
Endowus offers 6 different levels of asset allocation, depending on your risk profile. This ranges from Very Aggressive (100% Stocks) to Very Conservative (100% Bonds). Over the last 10 years, compounded annual returns ranged from 2.86% for a 100% bond portfolio, to 5.94% for 60/40 stock/bond portfolio, and 7.77% for a 100% stock portfolio.
Historical 10-year returns on Theoretical CPF-OA investments with Endowus funds
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| CPF-OA Portfolio |
Returns net of fund level fees |
Returns net of fund level fees
less 0.4% access charge |
Very Aggressive
(100% Stocks) |
8.17% |
7.77% |
Balanced
(60:40 Stocks: Bonds) |
6.34% |
5.94% |
Conservative
(20:80 Stocks: Bonds) |
4.32% |
3.92% |
Very Conservative
(100% Bonds) |
3.26% |
2.86% |
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| All-In Endowus Fees vs. Industry Fees |
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| Endowus Access Fee |
Fund Level Fees |
All in Fees |
Industry Average |
| 0.40% |
0.43% - 0.64% |
0.83% - 1.04% |
1.75% |
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| Source: Endowus |
| The underlying investments in the CPF-OA portfolios comprise leading global funds with scale and proven track records. This allows you to grow your money, like the best investors in the world. Endowus will select the best performing funds that most closely match the individual’s risk profile (and asset allocation) from a range of highly rated funds (approved by CPFIS) managed by Eastspring Investments, First State Investments, Legg Mason, Lion Global Investors, Natixis Harris Associates, Schroders and UOB Asset Management. |
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Click here to find out more
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User-friendly online personalised advice
The onboarding and linking processes are easily done in 10 minutes. UOB Kay Hian, the largest stockbroker, will be handling your transactions and safekeeping your assets.
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Endowus constructs a portfolio based on:
a) age
b) goals ranging from growing retirement nest egg to general wealth accumulation
c) risk tolerance
Investors can receive alerts and advise on ideal asset allocation as circumstances, goals and markets change. You can choose to automatically rebalance the portfolio to achieve target asset allocation at no cost.
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This advertisement has not been reviewed by the Monetary Authority of Singapore.
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