Good question! I had similar thoughts when I first started out investing too. I did a lot of research, read lots of forum posts, and understood the pros and cons of both of them but still couldn't land on a decision because there were many conflicting opinions.
Eventually, I ended up opening an account with both of them, and I would recommend that you do the same. There is only so much you can know from reading and hearing about others' experiences, but trying it yourself is completely different. Everyone has different preferences, and only by trying it out will you understand which suits better for you.
I use them both for various purposes. For stashaway, I use it as a form of regular investment through DCA. I take on a smaller risk index for my Stashaway portfolio for this reason. As for Syfe, I am looking more towards growth and take on more risk since the equity portfolio can be quite volatile.
Differences between the Stashaway General Invest and Syfe equity100:
Stashaway General Invest allows you to adjust your portfolio based on your risk appetite. The relative proportions of asset classes invest in will be adjusted according. So for Stashaway General Invest, you are investing in a diverse range of asset classes (including bonds, equity commodities etc). The Syfe equity100 doesn't have this option of adjusting risk, and it invests only in equity ETFs. Both are diversified in terms of investing across continents.
While both portfolios are diversified, I personally feel that Stashaway's is more diversified than Syfe's and it is reflective in the smaller price fluctuations from my experience.
tldr: use both and try it out yourself, but to answer your question directly, Syfe is higher on risk and returns if that's your main factor of consideration.
Hope that helps!
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