04 Sep 2020
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Lin Yun Heng
04 Sep 2020
Senior Analyst at Delphi Digital
I recently just wrote an article on the differences between Syfe and Stashaway which you can check out by clicking the link here.
In essence though, the most simple way to understand the difference is this:
Syfe Equity100 : 100% Equities (Stocks) -- HIGHEST RETURN IN THE LONG RUN
Syfe REIT+ :100% S-REITs -- HIGHEST DIVIDEND YIELD (INCOME PORTFOLIO)
Stashaway General Investing (6% risk -36% risk) -- LOW TO MEDIUM HIGH RETURN (With most downside protection)
So it all depends on what you are looking for. If you want the highest risk adjusted returns in the long run, nothing can beat Syfe Equity100 simply because equities will generate the highest returns over a long time period and absolutely crush any other asset classes like properties, bonds or gold.
So ask yourself, how long are you gonna stay invested? Once you figure this out, the right portfolio will be right in front for you to start.
If you have more questions, do leave a question here. Hope this helps!
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Consideration 1: Fees
Which roboadvisor would be the more affordable option given my initial lump sum and subsequent deposits?
E.g. Stashaway is more affordable than Autowealth if you are investing around below $10,000. But after that, Autowealth will become more affordable than Stashaway.
Consideration 2: Asset allocation
Am I comfortable with the assets that the roboadvisor invests in? Do I want only broad based indices and bonds? Or am I okay with investing in a few sectors like healthcare and consumer staples?
E.g. I did not like that Stashaway invested in gold, so I eventually opted for another roboadvisor.
Consideration 3: Co-mingle or under your own name?
For some roboadvisors, your funds will be co-mingled with others. For other roboadvisors like Autowealth, you will have an account opened under your name in Saxo. No right or wrong, depends on how comfortable you are with it.
These are the various considerations I brooded over before I decided on Autowealth and Syfe's REIT portfolio. Hope this helps!
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ETFs, Equities, Bonds
0.2% to 0.8% p.a.
ANNUAL MANAGEMENT FEE
EXPECTED ANNUAL RETURN
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