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Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR

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_________________________________________________
Lion Global Infinity Global Stock Index Fund (SGD C Class) - Developed Markets only
Invest using CPF OA funds
- Min. $20,000 in CPF OA
- Have your CPF SA reached FRS?

Portfolio Setup
- Endowus: Fund Smart Portfolio, 100% LGI Global Stock Index Fund
- MoneyOwl: CPF Portfolio, 100% Equity LGI Global Stock Index Fund

Fees
- Management fees & Total Expense Ratio (TER)
- Endowus: 0.34% p.a. Expense Ration (after Trailer fee rebate), 0.30% p.a. Access Fee. Total = 0.64% p.a.
- MoneyOwl: 0.42% p.a. Expense Ratio, no Platform or advisory fees till Dec 2022. 0.4% advisory fees from 2023 onwards (From MoneyOwl CEO)

Portfolio Offering
- Assume High Risk, 100% Equity portfolio, no point going for less than 100% Equity as the non equity component most likely cannot beat CPF OA 2.5% p.a. guaranteed
- Endowus: 40% S&P500 Index, 30% Global Stock Index, 15% FSSA Dividend Advantage Fund, 15% Schroder Global Emerging Markets. Can use Fund Smart Multiple Funds to allocate the percentage manually, but higher access fees at 0.40% p.a.
- MoneyOwl: Only LGI Global Stock Index Fund 100%

Platform
- Endowus: Professional Dashboard, Price charts, portfolio setup. Mobile App
- MoneyOwl: Simple UI, nothing much to see. Not a concern for DCA. No Mobile App. Have other financial services like Financial Planning & Insurance services non-commission based

Conclusion: MoneyOwl wins on a cost basis in 2022 but from 2023 onwards Endowus will win.
Maybe I will put some money in MoneyOwl since I have excess CPF OA funds to deploy after supercharging my OA with the FRS and BHS achieved.

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