About Endowus, Asia's Leading Digital Wealth Management Platform (2024)

Endowus is an award-winning independent fee-only wealth & fund platform. Licensed in Singapore (MAS 101051) and Hong Kong (SFC BQR225), Endowus is the first digital advisor in the region to span private wealth and public pension (CPF & SRS in Singapore). We proudly serve as a fund investment platform and fiduciary advisor to over 100,000 individuals, family offices, charities, endowments, and institutions.

Today, we work with 80+ global leading asset managers across major asset classes – public markets, private markets, hedge funds and alternatives – and make it our job to assess and access their Best-in-Class funds, and advise clients on how to invest in these funds to reach their goals.

Samuel Rhee
Co-founder, Chairman & Chief Investment Officer

Evolving the business model: good incentives drive better decisions. Aligned incentives lead to better motives, choices, business models, advice, outcomes and lives. At Endowus, we seek to advance the client relationship with a business model deserving of the wealth entrusted with us:

Uniquely, Endowus is not compensated through subscription fees, transaction fees, leverage, or recurring trailer commissions, so the firm and its people are not incentivised to churn, push leverage, or push high-commission products.
Endowus can only make a clean, transparent, assets-based Endowus Fee (of 0.25% to 0.60% per annum) directly from our clients (what the industry calls “fee-only”) to be only incentivised to grow our client’s wealth and unconflicted in dedicating 100% of our care to helping our clients succeed. When our clients succeed, Endowus succeeds.
To ensure independence and alignment, we innovated 100% Cashback on trailer commissions not only to lower client costs, but importantly to ensure our assessment and selection of investment strategies is based on merit, and that the advice we provide is based on our client’s goals, not the amount of trailer commissions collected for distribution.

Gregory Van
Co-founder and CEO

Evolving financial outcomes: the best investment strategies should rise to the topMerit, proven implementation, and net returns after fees are our priority when screening for investment strategies - not trailer commissions fund managers may pay for distribution.

Our dedicated Investment Office (Endowus IO) quantitatively and qualitatively screens thousands of funds to curate the Best-in-Class for our clients, partnering with 80+ global leading asset managers across all major asset classes and strategies — cash management, fixed income, equities, real estate, private markets, hedge funds, and alternatives across passive, quant, active, long-short, absolute return, arbitrage, and more — to organise, curate, and bring access to better solutions for all of us.

Endowus does not deal in single-line stocks, bonds or private companies. We choose to specialise in investment strategies implemented by managers with proven track records, as we believe that standing on the shoulders of the talent, systems and scale of the industry’s best provides our clients with a better risk-reward tradeoff and probability for success in reaching their goals.

Hugh Chung
Chief Investment Advisory Officer

Evolving the wealth experience: personalised, evidence-based, convenient, efficientPersonalised, evidence-based investing means focusing on the conversation on our client’s future purpose of the money – from near-term needs to long-term goals to generational wealth to expressing market views – and ensuring their wealth is invested appropriately in portfolios to achieve those goals. The industry calls this “liabilities-driven asset allocation.”

Evidence has shown that investor and advisor emotions, market biases, and speculation lead to poor outcomes over time. Our conflict-free business model and advisory framework guide clients consistently and systematically to investment solutions for their goals today, and as those goals may evolve in the future.

Better wealth management means having access to the tools, technology automation & convenience, and human experts, to run wealth efficiently, to enable our clients to earn time and build resources to pursue their passions.

Sin Ting So
‍Chief Client Officer

Institutional-grade asset safety & security for all of usSafety and security of client assets at Endowus has been a top priority from our foundation. Many failures of banks and financial institutions happen because they lend out or invest monies (including clients' deposits) to hopefully make an interest or return margin, leading to a potential asset-liablity mismatch on their balance sheets.

Endowus is not a bank; we are licensed by the Monetary Authority of Singapore and Securities and Futures Commission of Hong Kong, and we follow regulatory requirements on segregation of clients’ assets strictly. We do not commingle our balance sheet with client assets or cash. We built Endowus to limit client’s counterparty exposure to us, and we do not offer leverage, nor do we lend client monies or assets out. We require customers to pay for all trades in full before purchase, and all client invested assets are ultimately held with 1-1 asset backing by fund-appointed custodians. Endowus is built to bring institutional-grade, crisis-proof asset security, custody and safety to all of us.

Vinod Raman
‍‍Chief Product Officer

Human talent is central to the service we provide and the positive impact we strive to make for our clients, ourselves, and the industry.

With over 150 people globally, we bring together decades of experience from leading global financial institutions and technology companies, including Morgan Stanley, UBS, Goldman Sachs, JP Morgan, Blackstone, Vanguard, Fidelity, Dimensional, AQR, McKinsey & Co, Grab, Amazon, ByteDance, Alibaba, and more.

Co-founder & Chairman Samuel Rhee on CNBC Squawk Box

The Endowus Team celebrating Singapore’s National Day