anyone using endowus conservative flagship?

[Sausage]

ive been using this for a year and feel the returns are not good and the fees eat into it.

i havent explored it much as i focus on other avenues. i was wondering if we can create our own allocation instead of usibg their default portfolios?

they have amund index msci so im interested in adding this as thr flagship conservative portfolio doesn't have it.



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[CrashWire]

i was wondering if we can create our own allocation instead of usibg their default portfolios?

Ownself buy your own funds? As you mentioned, Amundi.

But at that point, you should move to IBKR and just decide on your own allocation there through ETFs instead of using Endowus. No need to pay annual management fees to Endowus.

 

[wutawa]

ive been using this for a year and feel the returns are not good and the fees eat into it.

i havent explored it much as i focus on other avenues. i was wondering if we can create our own allocation instead of usibg their default portfolios?

they have amund index msci so im interested in adding this as thr flagship conservative portfolio doesn't have it.



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i dont have endowus but i bought amundi msci using oa in poems. 9% profit for 4 mths.
https://forums.hardwarezone.com.sg/threads/poems-offering-amundi-ut.7085655/page-28

 

[CaptainWu]

ive been using this for a year and feel the returns are not good and the fees eat into it.

i havent explored it much as i focus on other avenues. i was wondering if we can create our own allocation instead of usibg their default portfolios?

they have amund index msci so im interested in adding this as thr flagship conservative portfolio doesn't have it.

The conservative portfolio probably has high percentage on bond fund? That is not performing and could drag down equities performance a lot with high proportion.

 

[Sausage]

i cant understand thr poems interface so i avoided it.. but anyway, im using srs for this, so do you all still revommend using ibkr?


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[mata_hippo]

u buy conservative portfolio u wan it to shoot up n down like spacex or s&p500 ah?

manage expectations

there r reasons y they label it conservative also

 

[wutawa]

u buy conservative portfolio u wan it to shoot up n down like spacex or s&p500 ah?

manage expectations

there r reasons y they label it conservative also

I think "flagship" means high fees too.

 

[limster]

u buy conservative portfolio u wan it to shoot up n down like spacex or s&p500 ah?

manage expectations

there r reasons y they label it conservative also

I think TS investment objective didn't match the investment objective of the conservative fund.

the conservative fund which is 80% fixed income (and further more is mostly SGD hedged which is adding to the expense ratio - hedging expenses) seems to have as its main objective "don't lose money" and not "beat the S&P500".

After my 3%+ T-bills expired and T-bill interest rates fell, I deployed my T-bill cash into a similar 70% fixed income / 30% equity fund, the LionGlobal All Seasons (standard). I put my money there because I generally wanted a fund that was relatively stable and it has turned out well.

 

[sohguanh]

ive been using this for a year and feel the returns are not good and the fees eat into it.

i havent explored it much as i focus on other avenues. i was wondering if we can create our own allocation instead of usibg their default portfolios?

they have amund index msci so im interested in adding this as thr flagship conservative portfolio doesn't have it.



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I have posted my Endowus screenshot before annualised 15+%. I use Fund Smart when you pick your own funds. Typically bond funds are not doing very well and so are those US centric funds for me. Their Asia or Emerging Markets doing great currently. As long as the fund gives trailer fee rebate use that to offset the 0.3% fee.

Amundi I use poems. I buy both the emerging and the us two funds and safe to say emerging returns is double of us. Maybe I buy late becuz poems only offer to sell recently?

 

[sohguanh]

After my 3%+ T-bills expired and T-bill interest rates fell, I deployed my T-bill cash into a similar 70% fixed income / 30% equity fund, the LionGlobal All Seasons (standard). I put my money there because I generally wanted a fund that was relatively stable and it has turned out well.

I think Endowus sell the LG All Seasons (Growth). For (standard) other brokers like dollarDEX FSMOne selling. In fact recently they launch a Distributing version too which Endowus does not sell.

This fund is truly "world" in my definition. Combination US Europe ETF , Asia funds , bond funds etc with acceptable expense ratio. And their setup is the reference for new GXS Diversified fund with overlapping.

 

[marcoyeo]

Can share why you choose Endowus conservative flagship? Is it because you'll need the monies for short term goals? Can consider SSB/HYSA or max out already?

 

[Sausage]

because this is where im parking my srs and i dont want to put it at too much risk. ssb maxxed already.


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[marcoyeo]

because this is where im parking my srs and i dont want to put it at too much risk. ssb maxxed already.


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Aside for myself, my SRS monies are in Amundi MSCI World and Amundi USA index fund via POEMS. Shifted from Endowus because of the platform fees and I found that I am comfortable to make a switch to the POEMS platform during Oct 2025. I am considered very conservative already.

My SSB not max yet, can cover 2 years of my expenses, so I think I have enough low risk asset.

 

[JuniorLion]

Why buy conservative? The returns are conservative, so you are getting what they are estimating, conservative returns.

 

[mcylo]

ive been using this for a year and feel the returns are not good and the fees eat into it.

i havent explored it much as i focus on other avenues. i was wondering if we can create our own allocation instead of usibg their default portfolios?

they have amund index msci so im interested in adding this as thr flagship conservative portfolio doesn't have it.



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I uses balanced(gain 7%), Agreesive (gain around 3%) and Very Agressive(gain around 2%).

 

[mcylo]

u buy conservative portfolio u wan it to shoot up n down like spacex or s&p500 ah?

manage expectations

there r reasons y they label it conservative also

SpaceX came crashing down to US150+ after the initial hype . Many got burned....arm chioed

 

[reddevil0728]

SpaceX came crashing down to US150+ after the initial hype . Many got burned....arm chioed

this 1 so volatile. no certainty. can still go to the moon without knowing kind.

 

[sohguanh]

SpaceX came crashing down to US150+ after the initial hype . Many got burned....arm chioed

I posted before someone in other forum predicted monkey see monkey do. Tree fell monkeys escape. Now got vacancies in the tree waiting for new monkeys to occupy

 

[Sausage]

I uses balanced(gain 7%), Agreesive (gain around 3%) and Very Agressive(gain around 2%).

Any plan to remove from very aggressive?

 

[mcylo]

Any plan to remove from very aggressive?

not at all. my plan is to grow my retirement savings. Now is still bull market so I will hold on to it