Endowus Funds Singapore 2026: Complete Guide to Fund Smart & Portfolios
400+ institutional funds. 0.30% p.a. access fee. 100% trailer rebate. Here is what you need to know.
Endowus gives Singapore investors access to over 400 institutional-class funds through its Fund Smart platform. You pay an access fee of 0.30% p.a. — and Endowus rebates 100% of the trailer fees it earns. No sales charges. No hidden commissions. This guide covers every fund type, fee tier, and portfolio option available on Endowus in 2026, so you can decide whether it belongs in your investment plan.
Not financial advice. All figures are for educational reference only. Data verified as at August 2026.
- Endowus Fund Smart: 400+ curated funds from BlackRock, PIMCO, Dimensional, Fidelity & Schroders
- Access fee: 0.30% p.a. for single-fund (Cash/CPF/SRS) — 100% trailer rebate means no hidden cost
- Flagship Portfolios: pre-built diversified options; Q2 2026 100% Equity returned +14.7%
What Is Endowus Fund Smart?
Fund Smart is Endowus’s platform for unit trust investing. Think of it as a curated marketplace of best-in-class global funds — hand-picked by the Endowus Investment Office after due diligence on thousands of options worldwide.
Unlike buying funds through a bank or traditional financial advisor, Fund Smart charges no sales loads. Banks typically charge 2–5% upfront when you buy a unit trust. On Endowus, that is zero. Instead, you pay a flat annual access fee of 0.30% p.a. — and Endowus rebates 100% of the trailer fees it receives from fund houses back into your account.
Endowus is regulated by the Monetary Authority of Singapore (MAS) as a licensed fund management company. Your money goes into the underlying funds — not onto Endowus’s balance sheet.
The result? You get institutional-class funds that are normally only accessible to large family offices or pension funds, at fees that even traditional robo-advisors struggle to match.
If you want to understand Endowus as a platform from scratch, read our beginner’s guide to Endowus Singapore first.
What Funds Are Available on Endowus?
Endowus Fund Smart gives you access to over 400 funds across 100+ global fund managers. These span every major asset class and geography.
The fund managers available on Endowus include some of the world’s largest names: BlackRock, PIMCO, Dimensional Fund Advisors, Fidelity, and Schroders — among many others. Most of these funds are institutional share classes, meaning you get lower internal fund fees than if you bought the retail version through a bank.
Fund Categories Available
| Asset Class | Examples | Suitable For |
|---|---|---|
| Global Equities | Dimensional World Equity, BlackRock World ESG | Long-term growth (10+ yr) |
| Fixed Income | PIMCO Income, Fidelity Global Bond | Income / capital preservation |
| Multi-Asset | Schroders multi-asset, mixed equity/bond funds | Balanced portfolios |
| Money Market | Cash Smart Secure (LionGlobal SGD) | Short-term cash parking |
| ESG / Thematic | BlackRock ESG Multi-Asset, Schroders Global Sustainable | Values-aligned investing |
Source: Endowus Fund Smart platform, August 2026
Not every fund is available for every funding source. Some funds in Fund Smart can only be purchased with Cash — not CPF or SRS. Endowus’s platform clearly labels which funding sources each fund accepts before you invest.
Endowus Fund Fees Explained
Endowus’s fee structure has two components: the Endowus access fee and the fund’s own expense ratio (called the Fund Expense Ratio or FER). Together, these make up your total cost.
The good news is that Endowus rebates 100% of the trailer fees it receives from fund houses back to you as extra units. This means the net FER you pay is lower than what the fund officially charges — sometimes significantly so.
Endowus Access Fee Schedule (2026)
| Product | Access Fee (p.a.) | Funding Source |
|---|---|---|
| Cash Smart Secure | 0.05% | Cash only |
| Cash Smart Enhanced / Ultra | 0.15% | Cash only |
| Fund Smart (single fund goal) | 0.30% | Cash / CPF / SRS |
| Flagship (multi-fund, CPF/SRS) | 0.40% | CPF OA / SRS |
| Flagship (multi-fund, Cash) | 0.40% | Cash |
Source: Endowus Fund Smart and Endowus Flagship, August 2026. All fees subject to 9% GST.
For a full breakdown of what you actually pay net of rebates, see our detailed Endowus fees guide.
To put that in perspective: if you invest $50,000 in a Fund Smart fund, you pay $150 per year to Endowus. Compare that to a typical bank that charges you $1,000–$2,500 upfront as a sales charge on the same investment.
Flagship Portfolios vs Fund Smart — What Is the Difference?
Endowus offers two main ways to invest: the Flagship Portfolios and Fund Smart. Both use the same underlying fund universe, but the experience is different.
Flagship Portfolios are pre-built, diversified portfolios managed by the Endowus Investment Office. You pick a risk level (from Very Conservative to Very Aggressive), and Endowus selects and rebalances the funds for you. This is the hands-off approach. It is suitable for investors who want a one-stop solution for their CPF, SRS, or Cash.
Fund Smart lets you hand-pick individual funds. You choose the funds, set your own allocation, and decide when to rebalance. This is the hands-on approach. It is better suited to investors who already know which specific funds they want (for example, if you specifically want to invest in the PIMCO Income Fund or a Dimensional factor fund).
Both approaches give you the same access fee and 100% trailer rebate. The choice comes down to how much control you want over your portfolio.
If you are investing your CPF OA savings, the Flagship CPF portfolios are generally the simpler starting point.
Endowus Portfolio Performance 2026
Past performance is not a guarantee of future returns. That said, tracking how Endowus’s Flagship Portfolios have performed gives you a sense of the risk-return profile you are taking on.
In Q2 2026, the Flagship 100% Equity Portfolio gained 14.7%, slightly below the global equities benchmark which rose 15.0% over the same period. The Flagship CPF 100% Fixed Income Portfolio rose 1.0%, outperforming its global fixed income benchmark of 0.6%.
Over the longer term, the Flagship Very Aggressive portfolio (100% equity) has delivered approximately 9.4% p.a. annualised over five years as at mid-2026 — according to Endowus’s Q2 2026 performance review.
These returns are net of Endowus fees and after trailer rebates. The 9.4% figure is for the Very Aggressive risk profile and will be lower for balanced or conservative allocations.
To plan how these returns compound over your retirement horizon, try our Singapore retirement calculator.
How to Choose Funds on Endowus
Choosing the right Endowus funds comes down to three questions: What is your investment goal? What is your funding source? And how hands-on do you want to be?
Here is a simple framework:
| Situation | Recommended Approach |
|---|---|
| CPF OA / SRS, want simple | Flagship Portfolio (pick risk level, let Endowus manage) |
| Cash, want a specific fund | Fund Smart single-fund goal (0.30% p.a.) |
| Short-term cash (6–18 months) | Cash Smart (Secure at 0.05% or Enhanced at 0.15%) |
| Experienced investor, custom mix | Fund Smart with multiple funds (tiered pricing applies) |
Source: The Kopi Notes analysis, August 2026
For most everyday investors in Singapore, the Flagship Portfolio is the right starting point. You do not need to pick individual funds to get well-diversified exposure to global markets at a low cost.
If you are comparing Endowus with other platforms, our article on the Singapore T-bills 2026 guide covers lower-risk alternatives for the cash portion of your portfolio.
For those comparing robo-advisors, our Syfe referral code page covers Syfe’s current promotions as another leading alternative.
Endowus Referral Code 2026
If you are signing up for Endowus, use the referral code 2V343 or sign up through our Endowus referral code page to check the latest welcome bonus. Referral promotions change periodically — the page is kept up to date.
Frequently Asked Questions
What funds are available on Endowus Fund Smart?
What is the Endowus Fund Smart fee?
Can I use CPF to buy funds on Endowus?
Is Endowus safe?
What is the difference between Endowus Fund Smart and Flagship Portfolios?
Does Endowus charge a sales fee?
This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
