Your Endowus Wealth Report
A 2025 plan for your portfolio
.webp)
As we kickstart the new year, it’s the perfect time to review your portfolio and ensure your goals are on track for 2025.
As such, we have created a wealth report to provide actionable insights tailored to your current investment portfolio, helping you make confident decisions for the year ahead.
You may choose to explore your options on the Endowus platform, or speak to an advisor. We are at your disposal to help refine your approach and position you for financial success in 2025.
As such, we have created a wealth report to provide actionable insights tailored to your current investment portfolio, helping you make confident decisions for the year ahead.
You may choose to explore your options on the Endowus platform, or speak to an advisor. We are at your disposal to help refine your approach and position you for financial success in 2025.
Warm regards,
Sin Ting So
Chief Client Officer
Sin Ting So
Chief Client Officer
02.
Your 2025 roadmap
We’ve structured your 2025 roadmap according to three categories: Liquidity, Lifestyle, Longevity. We believe that this strategy will allow you to better deploy your savings with greater intent and purposeful outcomes.i
Liquidity
Improve
To have enough cash reserves within the next 1-3 years to maintain your current lifestyle.
Your key action
i
Suggested one-time investment
Cash Smart
Earn daily returns on your cash
Tailored to your money needs
Lowest risk Endowus portfolio
i
*Our Cash Smart portfolios are suitable for growing your idle cash, instead of leaving in your current or savings account at a low interest rate.
This is suitable for investors with near-term cash needs that they might require in the next 1-2 years.
This is suitable for investors with near-term cash needs that they might require in the next 1-2 years.
x
Why Endowus Cash Smart?
Lifestyle
Optimise
To plan for cash needs on significant financial goals within the next 5-10 years.
Your key action
i
Suggested one-time investment
Income
Receive monthly payouts
Tailored to your risk and income needs
Preserve or grow long-term capital
i
Our range of Income portfolios provide stable monthly payouts, tailored for every stage of life.
These portfolios are built with resilience in mind, to mitigate risk through volatile markets.
These portfolios are built with resilience in mind, to mitigate risk through volatile markets.
x
Why Endowus Income?
Invest in your lifestyle goal
Lifestyle
Optimise
To plan for cash needs on significant financial goals within the next 5-10 years.
Your key action
i
Suggested one-time investment
Recurring
Flagship
Robust portfolio with diverse strategies
Grow wealth in a diversified, low-cost way
For clients who want the best-in-class portfolio
i
The 60/40 Flagship is a balanced portfolio designed to withstand volatile periods, and compound growth over the long term.
This is suited for investors with mid to long-term goals and cashflow needs.
This is suited for investors with mid to long-term goals and cashflow needs.
x
Why Endowus 60/40 Flagship?
Invest in your lifestyle goal
Lifestyle
Optimise
To plan for cash needs on significant financial goals within the next 5-10 years.
Your key action
i
Suggested one-time investment
Recurring
Flagship
Robust portfolio with diverse strategies
Grow wealth in a diversified, low-cost way
For clients who want the best-in-class portfolio
i
The 60/40 Flagship is a balanced portfolio designed to withstand volatile periods, and compound growth over the long term.
This is suited for your mid to long-term goals and cashflow needs.
This is suited for your mid to long-term goals and cashflow needs.
x
Why Endowus 60/40 Flagship?
Invest in your lifestyle goal
Longevity
Secure
To plan ahead for retirement based on your desired future spending objectives.
Your key action
i
Cash | CPF | SRS
Suggested one-time investment
Available to use cash, CPF, SRS
Recurring
Flagship
Robust portfolio with diverse strategies
Grow wealth in a diversified, low-cost way
For clients who want the best-in-class portfolio
Available to use CPF, SRS and cash
i
*The 80/20 Flagship is a more aggressive portfolio that invests mostly in equities while retaining some fixed income exposure.
This is suited for investors with longer-term goals and cashflow needs.
This is suited for investors with longer-term goals and cashflow needs.
x
Why Endowus 80/20 Flagship
Invest in your longevity goal
Liquidity
To have enough cash reserves within the next 1-3 years to maintain your current lifestyle.
Your key action
i
Suggested one-time investment
Cash Smart
Earn daily returns on your cash
Tailored to your money needs
Lowest risk Endowus portfolio
i
*Our Cash Smart portfolios are suitable for growing your idle cash, instead of leaving in your current or savings account at a low interest rate.
This is suitable for investors with near-term cash needs that they might require in the next 1-2 years.
This is suitable for investors with near-term cash needs that they might require in the next 1-2 years.
x
Why Endowus Cash Smart?
Lifestyle
Optimise
To plan for cash needs on significant financial goals within the next 5-10 years.
Your key action
i
Suggested one-time investment
Income
Receive monthly payouts
Tailored to your risk and income needs
Preserve or grow long-term capital
i
Our range of Income portfolios provide stable monthly payouts, tailored for every stage of life.
These portfolios are built with resilience in mind, to mitigate risk through volatile markets.
These portfolios are built with resilience in mind, to mitigate risk through volatile markets.
x
Why Endowus Income?
Invest in your lifestyle goal
Lifestyle
Optimise
To plan for cash needs on significant financial goals within the next 5-10 years.
Your key action
i
Suggested one-time investment
Recurring
Flagship
Robust portfolio with diverse strategies
Grow wealth in a diversified, low-cost way
For clients who want the best-in-class portfolio
i
The 60/40 Flagship is a balanced portfolio designed to withstand volatile periods, and compound growth over the long term.
This is suited for investors with mid to long-term goals and cashflow needs.
This is suited for investors with mid to long-term goals and cashflow needs.
x
Why Endowus 60/40 Flagship?
Invest in your lifestyle goal
Lifestyle
Optimise
To plan for cash needs on significant financial goals within the next 5-10 years.
Your key action
i
Suggested one-time investment
Recurring
Flagship
Robust portfolio with diverse strategies
Grow wealth in a diversified, low-cost way
For clients who want the best-in-class portfolio
i
The 60/40 Flagship is a balanced portfolio designed to withstand volatile periods, and compound growth over the long term.
This is suited for your mid to long-term goals and cashflow needs.
This is suited for your mid to long-term goals and cashflow needs.
x
Why Endowus 60/40 Flagship?
Invest in your lifestyle goal
Longevity
Secure
To plan ahead for retirement based on your desired future spending objectives.
Your key action
i
Cash | CPF | SRS
Suggested one-time investment
Available to use cash, CPF, SRS
Recurring
Flagship
Robust portfolio with diverse strategies
Grow wealth in a diversified, low-cost way
For clients who want the best-in-class portfolio
Available to use CPF, SRS and cash
i
*The 80/20 Flagship is a more aggressive portfolio that invests mostly in equities while retaining some fixed income exposure.
This is suited for investors with longer-term goals and cashflow needs.
This is suited for investors with longer-term goals and cashflow needs.
x
Why Endowus 80/20 Flagship
Invest in your longevity goal
Quick wins:
We have tailored some seamless actions for you to enhance your Endowus experience.
03.
Analysing your portfolio
*This hypothetical investor has been created to illustrate the wealth goals and needs of clients within your demographic.
However, this persona is not intended to serve as a guide or benchmark for your personal investment decisions. Your investments should always align with your unique objectives and risk tolerance.
However, this persona is not intended to serve as a guide or benchmark for your personal investment decisions. Your investments should always align with your unique objectives and risk tolerance.
x
Younger Millennials
Who
Young professionals, aged 26-34, who are establishing stability in both their personal and professional lives.
Many are focused on pivotal life steps, such as buying a home, planning for marriage, or preparing to start a family. Others may be pursuing career flexibility, exploring remote work, or eyeing opportunities to travel and work abroad.
Many are focused on pivotal life steps, such as buying a home, planning for marriage, or preparing to start a family. Others may be pursuing career flexibility, exploring remote work, or eyeing opportunities to travel and work abroad.
Younger Millennials
Needs
Rising living expenses weigh on this group, as they manage existing financial commitments like mortgage repayments or rental.
They prioritise goals beyond just owning a home or car however, with ideals to build wealth that offer them greater freedom and choices in the future.
They prioritise goals beyond just owning a home or car however, with ideals to build wealth that offer them greater freedom and choices in the future.
Younger Millennials
Suggested Solutions
They focus on investments that provide both growth potential and stability to handle market ups and downs.
While still having a long investment horizon, their risk appetites are moderated by the demands of their current financial obligations. Portfolios should be well diversified to better ride out short term market volatility and allow for steady wealth accumulation in the long term.
While still having a long investment horizon, their risk appetites are moderated by the demands of their current financial obligations. Portfolios should be well diversified to better ride out short term market volatility and allow for steady wealth accumulation in the long term.
Gen Zs
Who
Students and new-to-work professionals, aged 18-24, who are at the cusp of life’s opportunities and new beginnings.
They eagerly pursue new experiences and interpersonal relationships; valuing adventure, travel, networking, and further education.
They eagerly pursue new experiences and interpersonal relationships; valuing adventure, travel, networking, and further education.
Gen Zs
Needs
Building a strong financial foundation is their main priority. They aim to save consistently while managing student loans and/ or other early financial responsibilities.
They’re keen on sharpening their financial knowledge, recognising the importance of growing it along with their capital and income.
They’re keen on sharpening their financial knowledge, recognising the importance of growing it along with their capital and income.
Gen Zs
Suggested Solutions
Some upcoming life goals include further studies, buying a car, or moving into a new home.
Their longer investment horizons may lead to a larger risk appetite, pursuing riskier asset growth. A well diversified and long-term passive portfolio can help grow their wealth, without taking on too much risk while riding out market fluctuations.
Their longer investment horizons may lead to a larger risk appetite, pursuing riskier asset growth. A well diversified and long-term passive portfolio can help grow their wealth, without taking on too much risk while riding out market fluctuations.
Early Millennials
Who
Mid-career professionals, aged 35-44, who are balancing their careers with a variety of personal and financial responsibilities.
This includes parents preparing for their children’s education, dual-income households focused on lifestyle upgrades, and singles working toward retirement and long-term financial security.
This includes parents preparing for their children’s education, dual-income households focused on lifestyle upgrades, and singles working toward retirement and long-term financial security.
Early Millennials
Needs
While still seeking to grow their wealth, there may be a subtle shift in risk-appetite.
They actively keep a balance between keeping an eye on the needs of their dependents while also working towards greater financial freedom.
They actively keep a balance between keeping an eye on the needs of their dependents while also working towards greater financial freedom.
Early Millennials
Suggested Solutions
While they generally prioritise growth in their investments, some have started to moderate their risk appetites, seeking more consistent and stable returns.
Some may start to plan for future income needs.
Some may start to plan for future income needs.
Gen X
Who
Established executives or pre-retirees aged, 45-50, who are likely to have significant responsibilities such as teenage children or ageing parents.
Gen X
Needs
Their primary goal is stable wealth growth, emphasising its preservation and sustainability.
With retirement on the horizon, they focus on strengthening their retirement plans, paying down debt, and managing family expenses. Many also start to explore passive income sources.
With retirement on the horizon, they focus on strengthening their retirement plans, paying down debt, and managing family expenses. Many also start to explore passive income sources.
Gen X
Suggested Solutions
Their portfolios emphasise stability and income generation over high-risk growth, preferring low-volatility investments with dependable returns to safeguard their assets for retirement.
vs You
04.
Closing remarks
As we look towards 2025, one consistent theme is that markets will remain unpredictable — and it’s better to be grounded on a firm foundation and be prepared.
Many clients have applied the Liquidity, Lifestyle, Longevity approach, which organises their investments into clear categories, and adjusted their investments, where necessary to better meet their goals.
Our main objective is to help you understand how to use your assets to achieve your financial goals. It’s all about purposeful wealth management.
Take action on your next-best-actions today. If you are unsure on what steps to take to achieve your financial goals, we are here to help, always.
Best regards,
The Endowus Team
Many clients have applied the Liquidity, Lifestyle, Longevity approach, which organises their investments into clear categories, and adjusted their investments, where necessary to better meet their goals.
Our main objective is to help you understand how to use your assets to achieve your financial goals. It’s all about purposeful wealth management.
Take action on your next-best-actions today. If you are unsure on what steps to take to achieve your financial goals, we are here to help, always.
Best regards,
The Endowus Team
05.
FAQs
1. How do I use the information in this report effectively?
2. How did we estimate your one-time and recurring investment amounts based on your profile?
3. What if I do not align with the recommended investment strategy?
4. What if I have additional financial goals not listed in the report?
5. Why does the wealth report use hypothetical investor personas?
6. What should I do if the benchmark persona’s allocations or goals seem out of reach for me?
7. How often should I review or adjust my portfolio?
Disclaimers
Invest better to live better.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 report 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: 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 in making your investment decision in the relevant Fund.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
This report 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: 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 in making your investment decision in the relevant Fund.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
_transparent-BRANDMARK-ONLY.gif){kind=spacer}