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All questions and answers related to robo-advisor Syfe


349 Questions Answered






I wanna start investing, which platform should I start on? I have 0% knowledge in investment. Saw platform like +500, Invstr, IG, fxTrade, Crypto, Tiger Trade, DBS Vicks, UOBKayHian, Stashaway, Syfe?


Answered 4w ago

Hello there! If you're looking to earn dividends, one option to consider could be Syfe's REIT+ portfolio. It contains 20 quality Singapore REITs and tracks the SGX iEdge S-REIT Leaders Index. It is especially ideal for DCA as well. Purchasing S-REITs through your broker is expensive because of all the commisions you'll need to pay, more so if you DCA into REITs. However, all Syfe portfolios have no brokerage charges or trading costs. This makes our portfolios more cost efficient for monthly DCAs. For exposure to global equities, you can consider Syfe Equity100. This is a 100% equities portfolio that holds ETFs like the S&P 500 UCITS ETF, Invesco QQQ, iShares MSCI EAFE ETF and more. Overall, these ETFs give you exposure to over 1,500 stocks the likes of Apple, Amazon and Microsoft. If you want to get a more personalised plan, please feel free to speak with our friendly wealth experts for a complimentary consultation! I hope this helps :)


How much returns are you earning from your robo-advisor portfolios?
I'm gonna go first! 😛 Context: I'm a fresh grad with little capital, beginner investor. 1. Robo portfolio: Syfe Equity100 - Returns: +8.37% - Duration: 4 months (Sep 2020 to Jan 2021) - Why: Looking for high growth and this portfolio is based solely on Equities. 2. Robo portfolio: Syfe REITs+ - Returns: +10.63% - Duration: 4 months (Sep 2020 to Jan 2021) - Why: Thought that with Phase 3 in the works, the REITs in Singapore should have decent growth prospects. My capital is largely focused on Syfe Equity100 and not on REITs+, still mulling on whether I should shift over my REITs+ over to Equity100. Also contemplating on whether I should shift over to investing directing in ETFs for the longer term, but only when I have sufficient capital built up!


Syfe's REIT portfolio looks very good. Thinking of investing into it. Anyone has a Syfe Referral code I can use?
Referral Code: SRPRGYQJZ Promo Code: FHWAIVER Let's save on fees together. They are stackable! Remember to use BOTH codes Sign up at Referral incentive: $10 for at least $500 invested $50 for at least $10,000 invested $100 for at least $20,000 invested Promo Code incentive: New Syfe customers will have their first SGD $30,000 managed FREE for 6 months! Ps: Tried with SEEDLYWAIVER but it does not work. Hence sharing what worked for me:)


Am a 20y old poly student is investing $300/month. Willing to take as much risk as possible and lose up to 50% of my wealth?
Tbh, i don’t know why you are using so many different portfolio at once, since you are looking to maximise returns by taking on higher risk, you should be allocating the most to Equity100 instead. I feel like you want to diversify by using 4 different portfolios but it’s very suboptimal given your capital. My recommendation for you is to concentrate on Syfe Equity100 instead, and couple it with a few growth ETFs such as WCLD, ICLN, SOXX and ARK ETFs of your liking. Essentially Equity100 will become your CORE holding and those ETFs can be your SATELLITE holding. The reason stashaway is not optimal is because with your Low capital (<25k), you’re actually paying 0.8% annually to them for a portfolio which focuses on downside risk. Equities beat the hell out of any other asset class in the long run, so if you are young and able to take risk, you should be allocating to equities because businesses grow over time. Personally I am 22 this year, holds 100% equities + crypto, my 2020 annualised gains was 78+%. Hope this helps!


Is it okay to invest $50-100 into different ETFs or focus on a few with $100-200 into each?
Before you do so, do consider carefully if you really need so many. For example, ETFs such as VTI and VOO, while technically different, have large correlation in the way that they move. Next, ensure that you understand the reason for entering each of the investments. For example, if you're investing into the clean energy sector via ICLN, do try to understand their top holdings so you're not blindsided by sudden movements in the share price of your ETFs. Lastly, if you're on a non-zero comm platform, I'd advise you to reconsider as the commissions will eat into your returns significantly due to the small amount that you're investing in each transaction ($50-$100). If your broker is zero comms, then this will not be an issue then. Hope this helps!


What is your time horizon for Syfe Equity100? As you get older, how would you withdraw the funds and put it at a 'safer' place?
Perhaps until I have liabiilties, i will start to reduce allocation and redeploy to their global ARI portfolio which has bonds and gold for hedging.


How can I build a diversified portfolio with bonds if I am currently only using Syfe Equity100?
You can consider Syfe's 7% / 9% Global ARI portfolio. The long-term allocation for both is around 70% bonds and 30% stocks. If you want some local exposure (because Equity100 is quite US-centric), can consider their REITs with Risk Management portfolio too. It's invested in SG REITs & SG bonds. Hope this helps :)


How should I DCA If I am using Syfe Equity100?
In a volatile market, DCA can be a good strategy so that you can buy shares when prices are low. But when the stock market is rising, as they are now, monthly DCA could mean you buy each month at higher and higher prices. You may want to think about lump-sum investing too.


Which is better Syfe Equity100 or StashAway Core Portfolio with Risk Index of 22%?
I'll go with Syfe Equity100 if I'm after higher returns and willing to take on higher risk. Equity100 is pure equities, so if the stock market goes down 25%, your Equity100 portfolio will be down 25% too. Can you stomach this dip and have the holding power to hang on to your investments? If yes, then go for Equity100! If you feel uncomfortable, Stashaway 22% could be more suitable.


How to better DCA and have a more balanced portfolio for StashAway and Syfe portfolios?
Personally, what I'm doing is to DCA into both Equity100 & Syfe REIT+. I'll DCA more into Equity100 first because it can give higher returns. When the time comes for me to be more risk conservative, I'll then start to DCA more into REITs for passive income.