Endowus Fund List 2026: Every Fund Category on Fund Smart (Complete Guide)

A categorised look at the equity, dividend, thematic and regional funds available through Endowus Fund Smart — and how to pick the right one for your CPF, SRS or cash.

Endowus Fund Smart gives Singapore investors self-select access to 300+ institutional-class unit trusts spanning equities, dividend income, thematic sectors and regional markets — from BlackRock, Fidelity and JPMorgan to Dimensional and PIMCO — at zero sales charge, using Cash, SRS or CPF-OA.

Not financial advice. All figures are for educational reference only. Fund names and data are as at July 2026, sourced from Endowus’s public fund list unless noted.

Table of Contents

What Is Fund Smart?

Most people know Endowus for its robo-advised Flagship Portfolios. But Endowus also runs Fund Smart — a self-select platform where you browse and choose individual unit trusts yourself, instead of letting Endowus build a portfolio for you.

Think of it as the difference between ordering a set meal (Flagship Portfolios) and building your own plate at a buffet (Fund Smart). You still get the same 100% trailer fee rebate and zero sales charge that Endowus is known for. You just take on the job of picking and rebalancing the funds yourself.

Fund Smart is best suited to investors who already have a view on which fund house, region or theme they want exposure to — for example, someone who specifically wants a Dimensional factor fund, or a China-focused equity fund, rather than a diversified global mix.

Endowus Fund List by Category

The full Endowus fund list runs into the hundreds, and it changes as fund houses add or retire share classes. Rather than reproduce every line (best checked live at Endowus’s own fund list page), here’s how the fund list breaks down by theme, with real examples pulled from Endowus’s July 2026 fund list.

Source: Endowus Fund Smart fund list, endowus.com/investment-funds-list, accessed July 2026. Fund availability and share classes change over time — always check the live list before investing.

Fixed income and multi-asset options exist too, but Fund Smart’s real strength is equity breadth. If you want a simple bond or cash-like sleeve, Cash Smart and the Flagship Portfolios already blend that in for you automatically.

Which Fund Houses Are on Endowus?

One thing that stands out on the Endowus fund list is how many established global asset managers are represented. That matters for trust — you’re not buying an obscure boutique product, you’re buying share classes of funds run by managers that also serve institutional pension funds.

Fund houses you’ll find on Fund Smart include BlackRock (BGF and BSF ranges), Fidelity, JPMorgan Asset Management, Dimensional, PIMCO, Capital Group, T. Rowe Price, Allianz Global Investors, abrdn, Schroder, HSBC Global Asset Management, Franklin Templeton, Neuberger Berman, Janus Henderson, M&G Investments, KBI Global Investors, AllianceBernstein (AB), Ninety One, UBS Asset Management, Natixis (via Harris Associates and Mirova), UOB Asset Management and FSSA Investment Managers.

However, this depth is also the catch: with 20-plus fund houses and hundreds of share classes, it’s easy to end up holding five funds that all quietly own the same 30 mega-cap stocks. That’s the “home bias” and “overlap” trap covered in the how-to-choose section below.

Accumulating vs Distributing Funds

Almost every fund on the Endowus list comes in two flavours: Accumulating and Distributing. This is the single most confusing part of the fund list for first-time users, so here’s the plain-English version.

An Accumulating share class keeps all dividends and interest inside the fund, automatically reinvesting them. Your unit price grows, but you don’t see any cash hit your account. A Distributing share class pays out dividends and interest to you directly, usually monthly or quarterly, so your unit price grows more slowly but you get regular cash.

If you’re investing for growth and don’t need the income yet, Accumulating is usually the simpler, more tax-efficient default. If you want to build a passive income stream — for example, to fund CPF top-ups or daily expenses — Distributing share classes make that visible and spendable.

CPF-OA, SRS and Cash Eligibility

Every fund on the Endowus list is tagged with the account types it accepts: Cash, SRS (Supplementary Retirement Scheme), and CPF-OA (CPF Ordinary Account). Most funds accept Cash and SRS. Far fewer accept CPF-OA.

That’s not an Endowus quirk — it’s a CPF Board rule. Under the CPF Investment Scheme (CPFIS), only unit trusts that meet CPF Board’s inclusion criteria for the CPFIS-OA list can accept CPF-OA money. Endowus is simply showing you which of its funds clear that bar.

Before you invest CPF-OA savings through Fund Smart, always check the account-type tag on the specific fund page. Don’t assume a fund is CPF-OA eligible just because it’s on Endowus — cross-check against the current CPFIS-OA included fund list on CPF Board’s website if you’re unsure.

For a full walkthrough of how CPF-OA investing works end-to-end (eligibility, the $20k floor, the 35% stock/REIT ceiling), see our CPF investment strategy guide.

Fund Smart vs Flagship vs Cash Smart

If you’re not sure which one you need: most beginners are better off starting with a Flagship Portfolio, then graduating to Fund Smart once they have a specific view they want to express — for example, wanting extra China equity exposure on top of a diversified core. Read our full Endowus Singapore guide for how the Flagship Portfolios are built.

How to Choose the Right Fund

With hundreds of options, it’s easy to freeze up. Here’s a simple four-step framework.

1. Start with your goal, not the fund name. Are you investing for retirement in 25 years, or building an income stream in the next 2-3 years? Growth goals favour Accumulating equity funds. Income goals favour Distributing dividend funds.

2. Check for overlap. If you already hold a Flagship Portfolio, adding three more global equity funds through Fund Smart just concentrates your risk further — it doesn’t diversify it. Look at what regions and sectors you’re missing instead.

3. Match the account type to the fund. Don’t pick a fund you love, only to find it’s Cash-only when you wanted to use SRS. Filter by account type first, then browse within that list.

4. Compare cost, not just the name. All Fund Smart funds already come at zero sales charge with 100% trailer fee rebate, so the fund’s own expense ratio (TER) is what differs between two similar options. Check the fund factsheet for the TER before committing.

Pros and Cons of Fund Smart

How to Start Investing on Fund Smart

Here’s the process from sign-up to your first fund purchase.

Step 1. Sign up for Endowus with referral code 2V343 — new members who invest a minimum amount typically get Endowus Fee credits.

Step 2. Complete your risk profile and link your Cash, SRS or CPF-OA account.

Step 3. In the app, switch from “Flagship Portfolios” to “Fund Smart” and use the filters for account type, region and theme.

Step 4. Compare TER and share class (Accumulating vs Distributing) before you commit.

Step 5. Set up recurring investment if you want to dollar-cost average into the fund monthly rather than timing a lump sum.

If you’d rather skip the fund-picking altogether and prefer a fully hands-off robo portfolio, our Syfe referral code page covers Syfe’s managed portfolios as an alternative.

Related Reading

For the full picture on Endowus, see our Endowus Singapore complete guide, our breakdown of Endowus fees, and how it stacks up in our best robo-advisor comparison. Regulatory background on unit trusts and CPFIS is available from the Monetary Authority of Singapore and CPF Board.

Frequently Asked Questions