Since our public launch in October 2019, Endowus has been hard at work, racing toward a better wealth and investment experience for everyone. We are committed to building solutions to help people invest better, so they can live easier today, and better tomorrow. Today, Endowus is proud to be the first and only digital advisor for Singapore's Central Provident Fund (CPF), Supplementary Retirement Scheme (SRS), and cash savings—helping everyone invest intelligently, conveniently, and holistically—at a low and fair cost. It has been a very eventful year with some major milestones for our community and our firm. Here are some highlights:

• Standing behind our clients during a global pandemic—through unprecedented market turbulence, employment insecurity, and economic slowdown—with our unwavering, evidence-based investment philosophy
• Introducing and providing exclusive, first and only access to Vanguard-managed passive index funds for CPF at the lowest achievable cost
• Launching Cash Smart, our innovative cash management solution that helps our clients manage their cash with higher yields, no lock-ups, and no limits

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