Endowus Cash Smart

[WoShiPro]

Seem like the interest is reduced again for Cash Smart enhanced

From 1.5-1.7 to 1.4-1.6.

 

[snorex]

If you're the kind who will lose sleep over losing out by a tick or two from the best price of an ETF, robos are probably not for you... Robos are really for people who are too lazy to create their own portfolio

Or those who wanna invest SRS in low cost ETF but can't find a good option

 

[leoleong]

Need some advice on endowus

I'm planning to start investing using CPF OA fund with monthly top-up.

Example: 20K initial endowus account setup, thereafter top up $200 every month. Is this method worth it, will the fee be any issue?

I believe there is fee for every transaction of around $2 to $2.50, am I right?

 

[FinalDestiny...]

Hmm from the latest webinar, Endowus did mention it is in their future plans to provide a SGD-denominated UT which wraps Ark ETFs.. interesting. Multiple ESG funds are also in the works too

There's an update on the long awaited feature of doing an internal fund transfer from Cash Smart to other portfolios too - it will be released in a few weeks.

 

[ice888]

Need some advice on endowus

I'm planning to start investing using CPF OA fund with monthly top-up.

Example: 20K initial endowus account setup, thereafter top up $200 every month. Is this method worth it, will the fee be any issue?

I believe there is fee for every transaction of around $2 to $2.50, am I right?

any reason why $200 per month? I try to keep the cost of transaction to less than 1%. With $200 a month and $2.50 per transaction, you are giving up 1.25% of your money that could have been compounded. If you are comfortable with that, then just do it

 

[Guojing88]

any reason why $200 per month? I try to keep the cost of transaction to less than 1%. With $200 a month and $2.50 per transaction, you are giving up 1.25% of your money that could have been compounded. If you are comfortable with that, then just do it

I thought endowus access fees covers all? Is there still a transaction charge?

 

[revhappy]

I thought endowus access fees covers all? Is there still a transaction charge?

I believe the transaction fees are only for CPF/SRS type accounts. Cash accounts have no transaction fees.

 

[Guojing88]

I believe the transaction fees are only for CPF/SRS type accounts. Cash accounts have no transaction fees.

I have checked again, only cpf transaction have that 2.5 per transaction charge.

 

[5408854088]

https://endowus.com/insights/chinese-new-year-prosperity/

Summary:

1. lowered 888 for sign-ups till end Feb
2. $28 for referrals.

Ok pretty much confirmed already, with increased referral bonus. Hopefully it's permanent, so difficult to recommend friends because of the $10,000

sharing this here

 

[ice888]

My returns so far with Endowus Cash Smart Enhanced as follows since July 2020.
If anyone wants a referral link or know more, PM me

 

[5408854088]

Ultimate Cash Management Accounts Comparison (2021)

https://blog.seedly.sg/cash-management-accounts-singapore/

 

[5408854088]

Endowus Cash Smart - February 2021 Review & Update

https://endowus.com/insights/endowus-cash-smart-february-2021-review-update/

 

[FinalDestiny...]

A comparison chart, Endowus updated their Ultra portfolio:

 

[5408854088]

 

[GrandJedi]

Anyone tracking the return of Endowus Cash Smart Enhanced and Ultra? The last 6 and 12 month returns are no where close to their published 2.1% and 2.4%?

 

[sohguanh]

Anyone tracking the return of Endowus Cash Smart Enhanced and Ultra? The last 6 and 12 month returns are no where close to their published 2.1% and 2.4%?

I think you should write in to their helpdesk to seek clarification. The website updated calculated as at 31 July 2026.

 

[Andrew833]

Anyone tracking the return of Endowus Cash Smart Enhanced and Ultra? The last 6 and 12 month returns are no where close to their published 2.1% and 2.4%?

Fine lines: *Not guaranteed. Yields calculated as of 31 Jul 2026.