This article introduces the advantages and disadvantages of investing in provident funds online and mentions MoneyOwl and Endowus. The article includes CEO/CIO Chuin Ting’s comments that the reason for the high total expense ratio is that it includes rebates or fees paid by fund managers to sales brokers. Due to the increasing popularity of provident fund online transactions, the practice of passing rebates or gratuities directly to customers has recently begun to benefit customers. It also mentions her recommendation that, when investing using CPF, investors consider a minimum 10-year period and choose a combination of 60% stocks and 40% bonds so that even if the investment fluctuates moderately, the investor can maintain the investment. The article also includes her comment that MoneyOwl wants to help Singaporeans understand how to benefit from the inherently risk-free compounding form of CPF, increasing superannuation with attractive interest rates so that they can maximise their lifetime income.