Anonymous
How does Syfe REITs+ and Equity100 compared to DIY with ETFs?
I just started using Syfe this month, and I'm wondering what's the difference between the following:
For Syfe REITs+, how does it compare with buying Lion-Phillip S-REIT? Fees seem to be similar (maybe slightly lower for Lion-Phillip S-REIT). Dividends also similar. Is the only difference that Syfe is better for DCA?
For Syfe Equity100, seems to be similar to buying VTI + VT ETFs on the US market, and they have lower expense ratio. Again, is the only difference that Syfe is better for DCA?
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srsinsin
11 Feb 2021
Author at srsinsin.blogspot.com
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Two types of differences mainly:
(1) fees and (2) freedom of choice
Syfe REITs+ and Equity100 fees charged are based on Syfe's management fees (0.65% p.a. and below). but you get a selection of ETFs
Whereas for DIY with ETFs, you will incur the brokerage fees (around min of US$1 per trade, per ETF.) Whilst you get a lot freedom to the ETF to invest, the cost will be hefty to mimic a portfolio of ETFs alike investing via robo.
Illustration
Assume you invest $1000 monthly to 10 stocks DIY.
total fees = 12 months US$1 10 stocks = US$120 fees already
whereas for Syfe it will cost
Whereas for the same $1000 DCA to REITS+ / Equity100
mgmt fees = 0.65% of your portfolio, so estimated around $42 of fees for the full year.
So if you want to save on fees, you can DIY ETF, but may want to limit to 1 or 2 ETF so your fees are lower than robo's mgmt fees. Hope this helps!