Your Endowus Wealth Report

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Endowus is the first digital advisor for Cash, CPF and SRS — helping all of us invest holistically, conveniently, and with expert advice at the lowest cost possible.

This email has been issued by a member of Endowus Singapore Pte Ltd. (“Endowus”) for the information of the addressee only and should not be reproduced and/or distributed to any other person. If you are not the named addressee, you should not use, disseminate, distribute, print or copy this email or any attachments. Please notify the sender immediately by return email if you have received this email by mistake and delete all copies of this transmission from your system. Each page attached hereto must be read in conjunction with the applicable disclaimer which forms part of it. Unless otherwise stated, this email is neither an offer nor the solicitation of an offer to sell or purchase any investment. Its contents are based on information obtained from sources believed to be reliable but Endowus makes no representations and accepts no responsibility or liability as to its completeness or accuracy.

Disclaimer: Endowus Alternatives and Endowus Private Wealth are intended for accredited investors who reside in Singapore only. Accordingly, some of the services and solutions mentioned in this report will only be made available to you if you have opted in as an accredited investor.

Investment involves risk. Past performance is not necessarily a guide to future performance or returns. The value of investments and the income from them can go down as well as up, and you may not get the full amount you invested. Rates of exchange may cause the value of investments to go up or down. Individual stock performance does not represent the return of a fund. Please refer to our full disclaimer at https://sg.endow.us/mas.

Any forward-looking statements, prediction, projection or forecast on the economy, stock market, bond market or economic trends of the markets contained in this material are subject to market influences and contingent upon matters outside the control of Endowus Singapore Pte Ltd. (“Endowus”) and therefore may not be realised in the future. Further, any opinion or estimate is made on a general basis and subject to change without notice. In presenting the information above, none of Endowus Singapore Pte Ltd., its affiliates, directors, employees, representatives or agents have given any consideration to, nor have made any investigation of the objective, financial situation or particular need of any user, reader, any specific person or group of persons. Therefore, no representation is made as to the completeness and adequacy of the information to make an informed decision. You should carefully consider (i) whether any investment views and products/ services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.

Investment into collective investment schemes: Please refer to respective funds’ prospectuses for details of the funds, their related fees, charges and risk factors, The listing of units of the fund on a stock exchange does not guarantee a liquid market for the units. Before making an investment decision, you are reminded to refer to the relevant prospectus for specific risk considerations.

For Cash Smart Secure, Cash Smart Enhanced, Cash Smart Ultra: It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Interest rates are indicative and subject to change at any time.

Product Risk Rating: Please note that any product risk rating (the “PRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. The PRR is subject to change from time to time. The PRR does not take into account your individual circumstances, objectives or needs and should not be regarded as advice or recommendation to purchase, hold or sell the any fund or make any other investment decisions. Accordingly, you should not solely rely on the PRR to in making your investment decision in the relevant Fund.

This advertisement has not been reviewed by the Monetary Authority of Singapore.