Why I finally sold my CPF Portfolio in Endowus & moved to POEMS

📈 Click https://hmsg.link/ibkr to see my preferred broker 💹 Interactive Brokers 📝 POEMS Cash Plus: https://hmsg.link/poems - Endowus https://hmsg.link/endowus _________________________________ 🔭 Telegram Group: https://t.me/HoneyMoneySG 📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg 🦙 My Brown Llama/Alpaca https://s.shopee.sg/9zmyORhsqv 🌟 My referral codes: https://t.me/sgpromocode 📙 Solo Biz: https://www.instagram.com/solobizsg/ ☕️ Buy my Spreadsheets at Ko-Fi: https://hmsg.link/shop 🎵 TikTok https://www.tiktok.com/@honeymoneysg 📧 Email (Business only): sghoneymoney@gmail.com 🏦 CREDIT CARDS 💳 🔗 https://hmsg.link/creditcard 📈 INVESTING & TRADING PLATFORMS 📈 🔗 https://hmsg.link/investing 💳 MULTI-CURRENCY CARD/WALLET 👛 🔗 https://hmsg.link/multi 💰 PAYMENT APPS 💰 🔗 https://hmsg.link/pay 🏦 FINANCIAL APPS 🏦 🔗 https://hmsg.link/finance 💼 BUSINESS 💼 🔗 https://hmsg.link/business ✈️ TRAVEL ✈️ 🔗 https://hmsg.link/travel 🛡️ Travel Insurance offers 🛡️ 🔗 https://hmsg.link/travelinsurance 🛍 LIFESTYLE 🛍 🔗 https://hmsg.link/lifestyle 👨🏻‍💻 PROFESSIONAL SERVICES 👨🏻‍💻 🔗 https://hmsg.link/services 🎥 FILMING & SOFTWARE 🎥 🔗 https://hmsg.link/film Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews. Interactive Brokers provides execution and clearing services to its customers. Influencer is not affiliated with, recommended by or an agent of Interactive Brokers. Interactive Brokers makes no representation and assumes no liability to the accuracy or completeness of the information provided in this video. For more information regarding Interactive Brokers, please visit www.interactivebrokers.com.   None of the information contained herein constitutes a recommendation, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy.  Investment involves risks.  Investors should obtain their own independent financial advice and understand the risks associated with investment products/ services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.   Influencer is a customer of Interactive Brokers.  Interactive Brokers and Influencer have entered into a cost-per-click agreement under which Interactive pays Influencer a fee for each clickthrough of the Interactive Brokers URL posted herein. _________________________________ I finally sold ALL my Endowus CPF OA investments, and here’s the truth. After investing through Endowus since April 2021, I decided to completely move my CPF OA portfolio to POEMS. This wasn’t a rash decision, it came down to cost efficiency. Endowus charges a 0.3% p.a. platform fee on top of fund expenses, while POEMS offers zero sales charges, zero platform fees, and zero switching fees. Over the long term, these cost differences add up significantly. In this video, I break down: ✅ Why I sold my Endowus CPF OA positions ✅ My 3-step transfer strategy (in $37K tranches to reduce volatility) ✅ Performance of my past CPF OA investments: • Amundi Prime USA Fund (~13% p.a.) • CPF OA MSCI Index Fund (~22.6% p.a.) • SRS IShares US Index Fund (~19.2% time-weighted return) ✅ Why I still use Endowus for LionGlobal Short Duration Bond Fund (Class I) 💡 Key lesson: Cost is guaranteed, profit is not. Always choose the lowest-cost option for long-term investing. #NotSponsored