it is not bad
endowus has to keep nagging at me to ensure there r cash in it to be deducted for mgt fees
So i rather hold
You can just let them liquidate your investment. No big deal. Somemore they charge quarterly so that's even more efficient to grow your wealth.
Regarding the CPF eligibility for Endowus, that is mainly because they are unit trusts which are SG domiciled. So the eligibility is mainly due to the instruments and not because it is Endowus. You can buy same/similar unit trusts on FSM, Dollardex or Poems and be CPF eligible.
But you cannot invest in smaller denominations afaik ($1000 for a fund, Vs $100 with endowus for a portfolio). Anyway what's stopping other robos from using ucits funds or ETFs?