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To Endowus, Or Not?

Endowus has been making waves in the robo-advisor market in Singapore, hitting $1 billion in assets under management (AUM) recently.

It offers tailored investment solutions, customized for your risk appetite. Its portfolios are constructed from institutional-level fund classes, so fees are lower. Endowus also rebates trailer fees they receive from funds, so you pay even less. Finally, you can even build your own portfolio, using funds from PIMCO to Dimensional.

With that in mind, should you switch from IBKR to Endowus?

Asset Allocation1

There are approximately 41,000 listed companies around the world. This number doesn't even begin to include the even larger market of derivatives based on these companies.

With so many choices, how do people decide what asset classes to buy, and how many % to allocate to each?

Why not just put everything in stocks (e.g. the S&P 500)?

To answer this question, we need to understand volatility, risk and diversification.

You may also want to read about my investment portfolio.