Recurring investments let you invest on a set schedule, so you stay invested without setting up each order manually.
There are two ways to fund a recurring investment:
- Automatically from your bank account — with eDDA (electronic Direct Debit Authorisation), we draw the money for each investment directly from your linked bank account. No manual transfer needed, even for recurring investments.
- From your Endowus cash balance — you set up a recurring transfer from your bank to your Endowus account, and we use that balance to fund each investment.
1. Setting up a recurring investment
You can set up a recurring investment when you create a new goal, or add one to an existing goal.
To set up a recurring investment for an existing goal on the Endowus web app:
- Select your goal on the left-hand panel, then click Set up under Recurring investments.
- Enter your investment amount and the day of the month you'd like each order created.
- Click Send verification code, then enter the OTP sent to your phone to confirm.
Please note: a recurring investment funded this way is automatically cancelled if it stays unfunded for 7 days. The recurring investment continues for the following months.
2. Funding automatically from your bank account (eDDA)
Once you've linked a bank account via eDDA, you can have each recurring investment funded automatically. We draw the money from your bank account on each recurring date and invest it — there's no need to top up your cash balance yourself.
To choose eDDA when setting up your recurring investment:
- Enter your recurring amount and continue through to the funding method screen.
- Select your linked eDDA bank account as the funding method. If you haven't linked one yet, tap the banner to link a bank account via eDDA — you'll leave the investment flow to set it up, then come back to your saved goal. See How to set up eDDA? (HK) for more details.
- Click Continue, then enter the OTP to confirm.
On each recurring date, we'll draw the amount from your bank account and invest it into your goal. The money is reserved for that specific investment, so it won't be used for anything else.
Things to note
- eDDA autofunding is available for HKD recurring investments.
- Each recurring investment must be HK$1,000,000 or below to be funded via eDDA. For larger amounts, use your HKD cash balance instead.
- If a deposit fails because of insufficient bank balance, we'll try again in 3 business days and email you. If the second attempt also fails, we'll cancel that month's investment. Your recurring investment continues as normal the following month.
3. Switching an existing recurring investment to eDDA
Already set up a recurring investment funded from your cash balance? You can switch it to eDDA autofunding at any time.
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Select your goal, then click Manage in under Recurring investments. Alternatively, you can go to Invest | Redeem | Transfer > Manage recurring investments > select your goal
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Change the funding method to your eDDA bank account. If you haven't linked one, tap the banner to link a bank account via eDDA (see How to set up eDDA? (HK) for more details)
- Click Next, review the change, then enter the OTP to confirm.
If you make the change before that month's investment order is created, it takes effect immediately. Otherwise, it applies from the next cycle.
You can switch back to your cash balance, or to a different eDDA bank account, the same way. Each recurring investment can be funded by one eDDA bank account.
4. Setting up a recurring fund transfer from your bank
If you'd rather fund from your Endowus cash balance instead of eDDA, you can set up a recurring transfer from your own bank:
Step 1: Set up a monthly-recurring fund transfer instruction with your bank to move money to your Endowus account.
Step 2: Set up the recurring investment instruction for your goal (see Setting up a recurring investment above).
Once your monthly deposit reaches your Endowus account, we'll direct the money to fund your recurring cash investment order.
Step-by-step video guide:
How to Create a Recurring Investment