Endowus
- Company typePrivate
- Founded2017
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2C
- OfferingServices
Endowus firmographics
Firmographics- Name
- Endowus
- Legal name
- ENDOWUS SINGAPORE PTE. LTD.
- Website
- https://endowus.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Endowus industry classification
Industry- Product category
- Digital Wealth Management
- NAICS
- Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)
- SIC
- Investment Advice (6282), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Robo-Advice for Institutional/Treasury (OCIO-lite, Cash & Liquidity) (FSAGAEAJ)
- akta.pro secondary industries
- Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Evergreen / Open-Ended Multi-Manager Platforms (FSANAGAM)
Keywords
Where Endowus is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices2 records
Markets served
Endowus business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Platform Advisory Fees: Charges an annual platform fee of 0.05%-0.60% on assets under management. This is the primary revenue stream, generating consistent fees as AUM grows.
- Third-Party Fund Distribution: Accesses over 400 funds from 70+ global managers. Revenue is generated through platform fees rather than sales charges or trailer fees, as the company rebates 100% of trailer fees back to clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 0% sales fee on all funds - no upfront charges |
| Subscription | Monthly | 0.05% - 0.60% annual platform fee based on portfolio type and investment size |
| Other | Monthly | 100% trailer fee cashback to clients |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Endowus product offering
Product offeringCore offering
Endowus is a Singapore-based digital wealth management platform that provides investment advisory and execution services across multiple funding sources — CPF (Central Provident Fund), SRS (Supplementary Retirement Scheme), and cash. It offers expert-advised portfolios (Flagship, Income, Cash Smart) and a self-directed Fund Smart marketplace of over 400 funds from 70+ global managers, operating on a fee-only conflict-free advisory model where 100% of trailer fees are rebated to clients.
Product overview
Endowus is a Singapore-based digital wealth management platform offering a comprehensive suite of investment products. The platform operates on a platform-plus-modules architecture, combining core advisory services (Flagship diversified portfolios, Income Portfolios with three risk tiers, and Cash Smart) with self-directed investment tools (Fund Smart with 400+ funds). The company serves both mass retail and high-net-worth segments through Private Wealth and Private Markets & Hedge Funds modules, while supporting multiple funding sources including CPF, SRS, and cash investments. The platform differentiates through conflict-free advisory (returning all commissions to clients), low-fee institutional share class access, and AI-enhanced advisory capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Flagship Portfolio A globally diversified expert-advised portfolio designed for long-term wealth accumulation, available across multiple funding sources for retail and HNW clients.
- Income Portfolios Passive income portfolios offering monthly payouts through three life-stage tiers: Stable Income (100% fixed income for retirees), Higher Income (80% fixed income/20% equities for working adults), and Future Income (60% fixed income/40% equities for younger investors with long-term goals).
- Cash Smart Cash management solution providing higher yields on idle cash with no lock-ups and no limits, allowing investors to maximise returns on short-term cash holdings.
- Fund Smart A curated self-directed platform offering over 400 top-performing funds from 70+ global fund managers, enabling investors to build their own portfolio with institutional share class access at low fees.
- Private Wealth Exclusive wealth management solution for high-net-worth clients, offering curated fund-of-fund portfolios and personalized advisory services targeting investors with US$1-10 million in investable assets.
- Private Markets & Hedge Funds Alternative investment products including private markets and hedge funds available to accredited investors, providing access to institutional-grade investment opportunities.
- CPF Investment Service Investment service allowing users to invest their Central Provident Fund (CPF) savings (37% of income) to grow wealth beyond the standard 2.5% p.a. guaranteed rate. Endowus is the first digital advisor licensed by MAS for CPF investing.
- SRS Investment Service Supplementary Retirement Scheme (SRS) investment service providing tax relief on contributions while growing retirement savings beyond the 0.05% p.a. base rate, leveraging Endowus's MAS licensing.
- Cash Investment Service Investment service for growing cash from short-term needs to long-term wealth, available across various funding sources and investment horizons.
Companies that use Endowus
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Endowus technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature3 records
Endowus partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Copenhagen Infrastructure Partners (CIP)coreStrategic partnership to provide retail and institutional clients access to Copenhagen Infrastructure Partners' renewable energy investment products, expanding Endowus' alternative investment offerings.
- Carret PrivatecoreEndowus acquired a majority stake in Carret Private, a Hong Kong-based wealth management firm with over US$4 billion in assets under management, expanding Endowus' presence in the Hong Kong private wealth market.
- UOB Kay HiancoreStrategic custody and distribution partner providing back-end infrastructure and expanding distribution reach for Endowus clients.
Scale indicators9 records
Recent moves7 records
Expansion highlights7 records
Endowus competitors and assessment
Company assessmentDirect peers
- StashAway: Singapore-headquartered digital wealth manager offering automated portfolio management across cash and multi-asset strategies. Most directly comparable competitor in Singapore's retail and HNW robo-advisory market.
- Syfe: Singapore-based digital wealth platform providing diversified portfolios, cash management and CPF/SRS investing. Directly competes with Endowus on retail digital advisory in Singapore and Hong Kong.
- Bambu: Singapore-based robo-advisor and B2B digital wealth infrastructure provider serving banks and fintechs. Comparable as a regional digital wealth platform with both consumer and institutional offerings.
Broad incumbents
- Wealthfront: US-based pioneer in automated investing offering diversified portfolios and cash management. Comparable as a scaled, low-fee digital wealth management platform, though operating primarily in the US market.
- Betterment: US digital wealth manager providing automated portfolios and financial planning tools. Comparable in business model and target customer profile (mass-affluent to HNW), though US-focused.
- DBS digiPortfolio: Bank-backed robo-advisory offering from DBS Bank in Singapore. A direct competitor leveraging DBS's banking relationships, regulatory scale and balance sheet to offer low-fee digital wealth to retail and HNW clients.
Emerging players
- Kristal.AI: Singapore-based digital wealth platform focused on AI-driven portfolio construction and private market access for accredited investors. Comparable as an emerging Asia wealthtech with similar AI-led positioning.
- Addepar: Wealth management technology platform serving RIAs, family offices and HNW clients globally. Comparable in serving sophisticated private wealth clients through technology, though focused on advisor software rather than direct-to-consumer.
- Ignyte by Ignition (now Ignition Wealth): APAC digital wealth infrastructure and platform provider for financial advisers. Comparable as an Asia-focused wealthtech enabling digital advisory capabilities.
Others
- BlackRock Aladdin: Institutional investment and risk management technology platform used by major asset managers. Comparable as a technology-driven wealth and portfolio management backbone, though at institutional scale rather than retail.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Endowus social profiles
Digital presenceEndowus compliance and trust
Trust signalCompliance2 records
Endowus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Endowus leadership team
Management profileNumber of profiles
Profiles9 records
Endowus subsidiaries and ownership
Company hierarchySubsidiaries1 record
Endowus funding detail
Funding detailFunding overview
Funding rounds6 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Endowus M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Endowus
What does Endowus do?
Endowus is a Singapore-based digital wealth management platform that provides investment advisory and execution services across multiple funding sources — CPF (Central Provident Fund), SRS (Supplementary Retirement Scheme), and cash. It offers expert-advised portfolios (Flagship, Income, Cash Smart) and a self-directed Fund Smart marketplace of over 400 funds from 70+ global managers, operating on a fee-only conflict-free advisory model where 100% of trailer fees are rebated to clients.
Is Endowus a public or private company?
Endowus is a private company. It is classified as venture growth investor backed and is currently operating.
When was Endowus founded?
Endowus was founded in 2017. It employs 101 to 250 people.
Where is Endowus based?
Endowus is headquartered in Singapore, Singapore, in the Asia region.
How does Endowus make money?
Two revenue lines are on record. Platform Advisory Fees are the primary driver. The others are third-Party Fund Distribution.
Who are Endowus's main competitors?
Direct peers on record are StashAway, Syfe and Bambu. Broad incumbents are Wealthfront, Betterment and DBS digiPortfolio. Emerging players are Kristal.AI, Addepar and Ignyte by Ignition (now Ignition Wealth). BlackRock Aladdin is listed as an others.
Does Endowus have an API?
No public API is recorded for Endowus.
What industry is Endowus in?
Endowus's product category is Digital Wealth Management. Its primary akta.pro industry code is FSAGAEAJ, Robo-Advice for Institutional/Treasury (OCIO-lite, Cash & Liquidity), with a secondary code of FSAAABAM, Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs). Its NAICS code is 52394 and its SIC code is 6282.