Anyone used SYFE before? As I have a low risk appetite I received a downside risk of 15 percent for my portfolio. What does this mean?

Hi anon, thanks for your interest in Syfe. Your Downside Risk represents your risk threshold. (Higher risk is associated with greater probability of higher return). With a portfolio in the 15% Downside Risk category, it means that there is a 97.5% (hence 39 out 40) chance your portfolio will not lose more than 15% of its value in a given year.

This can impact your overall portfolio, which includes your lump sum as well. However, in the event where your portfolio threatens to exceed this potential 15% risk of loss - such as during a recession - your portfolio is automatically rebalanced to ensure your risk remains within your selected downside risk level. This is the unique value of Syfe’s methodology.

We do this through our Automated Risk-managed Investments (ARI) methodology. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes.

In other words, ARI reduces the likelihood that your portfolio will lose more than its downside risk to the very minimum, so you can sleep well at night knowing that your portfolio is being expertly managed by us.

Means 15% from your capital sum.

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Start out with 1000 on the 15% downside risk means there is 1 in 40 chance you will end up with 850 or lower after a year.