𝕐𝕠𝕦 𝕆𝕟𝕝𝕪 𝕃𝕚𝕧𝕖 𝕆𝕟𝕔𝕖, 𝔽𝕖𝕒𝕣 𝕆𝕗 𝕄𝕚𝕤𝕤𝕚𝕟𝕘 𝕆𝕦𝕥 𝟙𝟘𝟙: Investing Updates.: Endowus Flagship CPF Portfolio Changes

AI Summarization

Endowus prioritizes security and safety for its clients. Here’s how they keep your assets secure:

Custody Account with UOB Kay Hian: When you create an Endowus account, a custody account is established in your name with UOB Kay Hian. All your assets and transactions are processed by UOB Kay Hian, ensuring that Endowus cannot access your funds even in unlikely scenarios ¹ ².
World-Class Security Standards: Endowus implements rigorous third-party assurance frameworks, including regular penetration testing, to match global institutions’ security standards ¹.
Two-Factor Authentication (2FA): For added security, 2FA is implemented for every transaction on your account.

Regarding CPF Flagship Portfolio changes, Endowus has proposed enhancements:

Equity Component: Introducing tilts to value, small-cap, and profitability factors, enhancing long-term return potential. Geographical exposure is balanced, and fund-level fees are reduced ³.
Fixed Income Component: A new globally diversified bond portfolio (Dimensional Global Core Fixed Income III Fund) offers exposure to developed markets corporate credits, improving long-term returns ³.

My Thoughts

Been with Endowus since 2021, primarily using DCA with various amounts for CPFIS investments.
Doing great so far. 4.8% per year. Better than 2.5% CPF so far 😉
Would it been better had I DIY investing over the same time period? Maybe. But that would meant more time spent on executing trades, re-balancing, etc. i.e. taking away some personal & family time...

𝕐𝕠𝕦 𝕆𝕟𝕝𝕪 𝕃𝕚𝕧𝕖 𝕆𝕟𝕔𝕖, 𝔽𝕖𝕒𝕣 𝕆𝕗 𝕄𝕚𝕤𝕤𝕚𝕟𝕘 𝕆𝕦𝕥 𝟙𝟘𝟙