[Robo-Investing] Why I Use Endowus to Invest My Cash and CPF

I started using Endowus as part of my longer-term investment plan, especially to put my CPF to work — something few platforms allow.

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🏦 A Bit of Background

Endowus was founded in 2017 and became the first digital advisor in Singapore to get approval from CPF Board to offer CPF investing into globally diversified portfolios.

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This was a big deal — because CPFIS (CPF Investment Scheme) options were traditionally limited to local unit trusts with high fees. Endowus brought in low-cost, institutional-grade funds that fully rebate all trailer fees back to the investor.

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💼 Why It Stands Out

• ✅ Lets you invest Cash, CPF & SRS in one platform
• ✅ Full access to globally diversified portfolios (equity, bond, income, ESG)
• ✅ Fee-only model — no hidden commissions
• ✅ Great for hands-off long-term investing

📈 Performance Snapshot

• 2021: 100% Equity Portfolio returned 22.3%
• Q4 2024: Equity portfolio returned 4.6% in line with global markets
• Fixed income portfolios also outperformed peers amid rate shifts

Returns vary based on your allocation, but Endowus regularly publishes detailed performance reports.

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🧭 Why I Think It's Relevant Now

With US tariffs back in play, inflation still sticky, and markets swinging, most people (myself included) just want a reliable way to stay invested without overthinking.

Endowus helps automate that via dollar-cost averaging into globally diversified portfolios, including with CPF — which is often underutilized.

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🎁 Referral Bonus – Let’s Both Benefit

Use my promo code to get S$20 off your Endowus Fee:

👉 https://endowus.com/invite?code=B1LVM

Promo Code: B1LVM