Endowus
CPF, SRS and cash investing with fund access and trailer fee rebates.
Endowus is a Singapore-headquartered digital wealth platform best known for combining advised portfolios with CPF, SRS and cash investing. It offers flagship, income, cash management and fund selection options, including access to more than 400 funds. The platform emphasises conflict-free advice by rebating trailer fees from fund managers back to clients, and its advisors are MAS licensed. Endowus also states that client assets are held in the investor's own name through its custody arrangement with UOB Kay Hian. Its minimum initial investment is higher than some app-only rivals, but the depth of fund access and retirement account support is a major advantage.
Endowus is the most complete robo-advisor for Singapore investors who want to use CPF, SRS and cash in one place. What stands out is the platform's institutional fund access, clear fee positioning and serious focus on long-term asset allocation rather than short-term themes. The advisory team is also more visible than most digital platforms, which helps for investors who want guidance without going to a traditional bank RM. The trade-off is that it can feel more research-heavy and less instantly simple than the pure mobile-first apps.
It earns the top spot for its CPF and SRS capability, transparent rebate model, strong fund menu and credible advisory infrastructure, making it the most useful platform for broad Singapore wealth planning.