Endowus Fund List 2026: 400+ Funds, Fee Tiers & How to Choose

A Singapore investor’s guide to Endowus’s full fund universe, what each account type costs, and how to pick funds without overpaying.

Endowus gives Singapore investors access to a list of 400+ funds through Fund Smart, spanning equity, bond, multi-asset, and money market funds from managers like Dimensional, PIMCO, BlackRock, and Fidelity. You pay one advisory fee — 0.15% to 0.60% a year, depending on account type and amount — instead of separate sales charges. This guide breaks down exactly what’s on the list, what it costs, and how to choose.

Not financial advice. All figures are for educational reference only. Data verified as at 3 August 2026 against Endowus’s official pricing page.

Table of Contents

What Is the Endowus Fund List?

The Endowus fund list is the full menu of investment funds available on the Endowus platform. As at August 2026, Endowus advertises access to 400+ funds on its website, covering unit trusts and money market funds from established managers such as Dimensional, PIMCO, BlackRock, Vanguard, Fidelity, Amundi, Schroders, and several Singapore and regional fund houses.

Here’s the part most people miss: you rarely browse all 400+ funds one by one. Instead, Endowus organises them into two access routes. The first is advised portfolios — Flagship, Income, and ESG — where Endowus’s investment team already picks and rebalances the fund mix for you. The second is Fund Smart, a self-directed tool that lets you search the full list and build your own combination of funds, while Endowus still handles execution, custody, and fee cashback in the background.

You can invest using cash, your CPF Ordinary and Special Account savings, or your Supplementary Retirement Scheme (SRS) funds. Each source has its own fee schedule, which we’ll cover below.

Fund Categories You Can Access

The fund list spans four broad categories. You won’t need all of them — most Singapore investors use two or three, depending on their goal.

• Equity funds — globally diversified or region-specific stock funds, including factor-based options from Dimensional and passive index funds tracking global markets.
• Bond funds — investment-grade and income-focused bond funds, including PIMCO’s flagship income strategies, used to dampen volatility in a portfolio.
• Multi-asset funds — blended equity-bond funds that rebalance internally, useful if you want one fund to do most of the work.
• Money market and cash management funds — the funds behind Cash Smart, designed for capital preservation with same-week liquidity rather than growth.

For Singapore investors who want the higher end of the risk spectrum, Endowus also offers Private Wealth access to private markets and hedge funds — but this is restricted to accredited investors and priced separately in USD.

Endowus Fund List Fees (2026)

Here’s the number that matters most: Endowus doesn’t charge you separately for every fund on the list. Instead, you pay one all-in “Endowus Fee” that covers advice, platform access, execution, and rebalancing. As at August 2026, this fee ranges from 0.15% to 0.60% per year, depending on what you’re investing and how much.

Source: Endowus official pricing page (endowus.com/pricing), verified 3 August 2026.

On top of the Endowus Fee, each underlying fund still carries its own fund-level fee (the Total Expense Ratio, or TER) of roughly 0.05% to 1% a year. You don’t pay this separately — it’s already priced into the fund’s daily net asset value. Endowus also rebates 100% of the trailer fee it receives from fund managers back to you as cashback, which is what keeps the effective cost competitive against buying the same funds through a traditional advisor.

Worked example: if you hold S$50,000 in a Flagship general investing portfolio below the S$200,000 tier, you’d pay roughly S$300 a year in Endowus Fee (0.60% of S$50,000) on top of the underlying fund-level fees — with no separate sales charge each time you invest.

How to Browse and Invest in the Full Fund List

Getting to the full fund list takes a few minutes. Here’s the process:

1. Create an account. Sign up on the Endowus app or website with Singpass or manually. The minimum initial investment is S$1,000.
2. Pick your funding source. Choose Cash, CPF (OA/SA), or SRS. This determines which fee tier applies and which funds are eligible.
3. Choose your route. Go with an advised portfolio (Flagship, Income, ESG) if you want Endowus to build and rebalance it for you, or open Fund Smart if you want to search the list and pick specific funds yourself.
4. Search Fund Smart. Inside Fund Smart, you can filter by asset class, fund manager, or theme — including a curated “SRS Collection” and “Most Popular Funds” shortlist if you don’t want to scroll through all 400+.
5. Fund your account and invest. There’s no separate sales charge each time you invest or top up.

If you’re funding the account with CPF, note that CPF and SRS investments are priced on a separate fee schedule from cash — they don’t combine for tiering purposes.

Fund Smart vs Advised Portfolios

Both routes use the same underlying fund list, but they suit different investors.

Source: Endowus official pricing page (endowus.com/pricing), verified 3 August 2026.

Cash Investing Fee Tiers by Amount

If you’re investing cash for the long term through Flagship, Income, ESG, or a multi-fund Fund Smart combination, your fee depends on your combined balance across these goals. The more you invest, the lower your rate.

Note that additional discount tiers apply between S$1M and S$5M — Endowus’s live fee calculator on its pricing page will show your exact rate once you enter your goal amounts, since this middle band is refined periodically.

Who Should Use the Endowus Fund List?

The fund list works well if you already know roughly what you want — for example, a specific Dimensional factor fund, a PIMCO income fund, or a passive global index fund — and you want institutional pricing without opening a separate brokerage account. It also suits investors who want to put idle cash, CPF, or SRS savings to work through Cash Smart or a single money market fund instead of leaving it at default rates.

Consider a simpler route if you’re a first-time investor who doesn’t want to compare funds — in that case, an advised Flagship portfolio does the fund selection for you. And if you’re mainly chasing the lowest possible headline fee on a small cash balance, it’s worth comparing against Syfe vs Endowus side by side, since fee structures and minimums differ.

Before signing up, it’s worth reading a full Endowus Singapore guide covering CPF and SRS eligibility, or a dedicated breakdown in our Endowus fees explained article if you want the full fee mechanics. If you’re investing SRS specifically, our Endowus SRS account guide walks through that setup step by step. New sign-ups can also use the Endowus referral code for fee credits — check the page for current terms, since promotions change.

As with any investment, review your retirement calculator numbers first so you know how much of your CPF, SRS, or cash you can afford to lock into a 3+ year horizon before choosing funds.

Not financial advice. Fund selection should match your own risk tolerance and time horizon. Fees and fund availability are correct as at 3 August 2026 and may change — always check Endowus’s official pricing page and investment funds list before investing.

Frequently Asked Questions

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