Should I invest in Syfe REIT+ or Lion-Phillip S-REIT ETF through OCBC blue chips for better returns?

Hello there! Syfe REIT+ tracks the SGX's i-Edge S-REIT 20 index, which measures the performance of the 20 largest and most tradable REITS in Singapore. When you invest in the REIT+ portfolio, you get to own actual units of these REITs.

Unlike OCBC's BCIP, there is no minimum investment to get started. There are no buying and selling transaction fees as well with REIT+. For BCIP, there is a charge of 0.3% of the total investment amount or $5 per counter per transaction, whichever is higher. If you are planning to invest regularly, REIT+ is by far more cost effective.

To boost your returns, dividends are automatically reinvested for Blue tier clients. That said, there are no withdrawal fees or lock-in periods. If you wish, you can withdraw your dividends at any time.

As Matthew mentioned, whether to choose 100% REITs or REITs with bonds will depend on your personal risk appetite. Our article here provides more guidance on how to choose as well.

Finally, while Smartly's closure is unfortunate, rest assured that Syfe has stringent measures in place to safeguard our clients' money and assets. As a CMS license holder, we have met all the stringent requirements and standards set by MAS to prevent a bankruptcy event from happening. This includes meeting the minimum capital requirement to ensure that Syfe has sufficient daily cash flow to meet all operational needs. We have elaborated on this point previously on Seedly. You can refer to more details here.​​​

Lion seems very o.k., but every performance chance (dividends + stock price appreciation in this case) comes with it's own risks. Historically for it's recent inception date is somehow (?) cheap, but the general situation because of the C-crisis is very unclear. REITs particularly sagged a lot, ca. 50% of price dip however already recovered...