With access to leading fund managers globally, Endowus allows the everyday investor to grow CPF, cash and SRS at a low cost. Here’s what Endowus has to offer amidst the competitive investment landscape.

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• What you are investing in: Mutual funds/unit trusts

• Minimum investment amount: S$1,000

• Types of funds Endowus offers: Funds from reputable fund managers such as Dimensional Fund Advisors and PIMCO.

• Endowus fee: 0.15% to 0.60%

• Additional features - Multi-currency options, direct dividend payouts, and accredited investor access

• Endowus Cash Smart projected returns after all fees (as of 6 May 2025):

• Secure: 2.6% to 2.9% p.a.

• Enhanced: 3.1% to 3.4% p.a.

• Ultra: 3.3% to 3.6% p.a.

• What can you use to invest? Cash, CPF, and SRS

Endowus is a Singapore-based financial technology company that allows you to invest your CPF, Supplementary Retirement Scheme (SRS) money, and cash savings. With access to funds from leading global fund managers, Endowus curates your investment portfolio with institutional-quality financial products at the lowest cost possible.

1. Wide range of products

Endowus stands out for offering a comprehensive suite of investment solutions that cater to different financial goals and risk appetites. Whether you're building long-term wealth, managing short-term cash, or seeking sustainable options, there's likely a portfolio that fits your needs.

For starters, the Endowus Core Advised Portfolio offers a diversified, globally invested solution designed for long-term growth, while Endowus Fund Smart gives more experienced investors the flexibility to customise their portfolios from a wide range of funds. Meanwhile, Endowus Cash Smart provides short-term cash management options with projected returns that aim to beat traditional savings accounts.

Investors can also align their portfolios with personal values through Endowus ESG Portfolios or generate passive income with Endowus Income solutions. Finally, those looking to complement their core holdings can explore thematic or regional investments via Endowus Satellite. Altogether, Endowus makes it easy for investors to tailor a holistic strategy using multiple solutions under one platform.

2. Invest your CPF, SRS and cash all in one platform

You can invest your CPF money with Endowus under the CPF Investment Scheme (CPFIS). To do so, you will need to open a CPF Investment Account. Once your CPF-IA is linked to your Endowus account, you can start investing and fund your Endowus investments with your CPF accounts.

While the money in your CPF Special Account (SA) earns a solid 4.08% p.a. interest, the money in your CPF Ordinary Account (OA) earns a modest 2.5% p.a. There is also an extra 1% you earn on the first S$60,000 of combined CPF balances, capped at $20,000 for the CPF OA.

While a 2.5% p.a. interest rate isn’t too shabby, there are investors who will feel like they can do much better by investing their retirement savings—specifically, by investing with the Supplementary Retirement Scheme (SRS) or CPF OA.

Through Endowus, your SRS or CPF OA funds can access a globally diversified portfolio at some of the lowest costs for CPF-related investments.

To help users gain even more insight into their CPF funds, Endowus released the CPF Calculator feature in September 2021. Key in your age, salary, CPF account balances, and the calculator estimates how long your funds will last after retirement.

Additionally, the calculator will also be able to estimate the growth and decline of users' CPF balances at different life stages. The estimates generated showcase two figures, one where 50% of your CPF-OA is invested and one where you don't make any investments with your CPF funds.

Finally, users who utilise this tool will also be sent a personalised CPF Prepared Report to help them better prepare for housing purchases. The report will also recommend how users can take advantage of existing CPF schemes or invest to grow their account balances.

>> More: Best ways to invest money in Singapore

3. Low, all-in access fee

With Endowus, what you see is what you get—there are no hidden charges or complicated layers of fees. You pay a straightforward, all-in access fee that covers everything, helping you keep more of your returns over time.

The cash investment fees vary the most widely, so here are the fees broken down by your investment sum:

The fees are exclusive of 9% GST, so do factor in the additional 9% GST into your calculations on the fees.

4. Very secure and regulated by the Monetary Authority of Singapore (MAS)

When it comes to investing, security and trust matter. Endowus is licensed and regulated by MAS, giving users peace of mind that the platform follows strict rules to protect their investments.

On top of that, your funds are held in your own name in a segregated account with UOB, meaning they are kept separate from Endowus’s own finances and safe even if anything happens to the company. This ensures that your money is always protected, regulated, and in your control.

5. Invest easily and sustainably

Endowus makes it simple for anyone to start and stay invested. Its easy-to-use web and mobile apps are beginner-friendly, while automated recurring investments with flexible schedules help you stick to your goals and avoid emotional decisions.

You can also set up seamless deposits through eGIRO for effortless transfers, and enjoy full flexibility with no lock-up period, allowing you to withdraw your funds anytime. Plus, if sustainability matters to you, Endowus offers ESG investing options to help you align your portfolio with your values.

6. Curate your own investment portfolio

With their latest investment solution, Endowus Fund Smart, Endowus gives investors the opportunity to design their ideal investment portfolio with the click of a few buttons. Similar to the Endowus advised portfolios, you can invest your cash, CPF or SRS funds with Fund Smart. Investors looking for a robo-advisor option that allows them to customise the components of the portfolio and each individual allocation will find Fund Smart useful.

1. Minimum investment requirement of $1,000

While $1,000 isn’t an especially high bar for investing, it’s worth noting that many other robo-advisors have no minimum or lower entry points. This could make Endowus less accessible for those just starting out, such as students or younger investors with limited savings.

Still, for those ready to commit, the minimum helps ensure you can build a properly diversified portfolio right from the start.

2. Need to invest more for lower fees

Endowus rewards larger investments with lower access fees, but this means casual investors may pay more if they have smaller portfolios.

For example, cash investments up to $200,000 are charged the highest fee of 0.60% p.a., while larger amounts enjoy lower rates—0.50% p.a. for $200,001 to $1 million, 0.35% p.a. for $1 million to $5 million, and 0.25% p.a. above $5 million.

While this tiered structure benefits wealthier users, those with modest investments may find it less cost-effective until they build up their balance.

Endowus makes a strong case for itself as one of Singapore’s most comprehensive investment platforms, especially for those keen to put their CPF, SRS, and cash to work in a smart and cost-effective way.

With access to globally recognised fund managers, flexible portfolio options, and user-friendly digital tools, it offers something for just about every type of investor. Whether you prefer to sit back with advised portfolios, build your own with Fund Smart, or grow your savings with Cash Smart, Endowus makes it easy to invest confidently.

The platform’s added focus on sustainable investing through ESG portfolios is also a big plus for those looking to align their investments with their values.

However, it’s worth noting that Endowus may not be the best fit for complete beginners or casual investors. The $1,000 minimum investment requirement and higher fees for smaller amounts could be a barrier for those just starting out or with limited funds to spare. That said, as your portfolio grows, Endowus becomes more attractive thanks to its tiered fee structure and low-cost access to institutional-grade funds.

Overall, Endowus is best suited for goal-oriented investors who want to manage all their money—CPF, SRS, and cash—in one place, without having to sacrifice control, cost efficiency or diversification. If you’re serious about growing your wealth across different life stages while enjoying the convenience of an all-in-one platform, Endowus is definitely worth considering.