Should I sell off my Syfe REITs+ Portfolio and transfer everything to my Equity100 portfolio instead? The latter should allow for greater growth opportunities right?

Hey there! That's a good question. Holding both portfolios has its advantages. For one, you're diversified across assets and geographies: Singapore REITs and global equities. You're not putting all your eggs in one basket and you're mitigating your investment risk.

One option to consider might be to start allocating a greating percentage of your regular investments to the Equity100 portfolio if you wish to capitalise on the potential for growth. Dividends from your REIT+ portfolios are reinvested for you by default, so your portfolio will continue to grow over time as well.

And as your investment needs change, you may re-allocate more of your regular investments to the REIT+ portfolio instead to build up your passive income stream.

If you have more questions, please feel free to ping our wealth experts! They'll be able to provide you with a more personalised recommendation.

Hi there,

I personally have two accounts as well but for my case is rather unique.

I would see REITs as portfolio deiversity and a short term investment ( within 5-7 years ) and full equity as a long term investment (10 years+).

If you have spare cash and you might use later within 5 years around, better put into REITs in general (this year is a bad year though).

If you are green right now, Of course yes, why not. But I'd recommend keeping some exposure to sg reits as they are more of a defensive asset and this allows diversification. You can just continue to DCA into both, but keeping your allocation into equity 100 high, or keep ur dca to only equity 100 from now on. The reason you might want to put more into equity 100 would be that as younger individuals it's better to grow our capital as 5% dividend on 100k is only 5k per Yr. My personal strategy would be to put my money in aggressive stocks/etfs to grow my capital, and as I. Grow older and have more commitments, slowly diversify into dividend paying stocks as these are going to provide me with a 2nd income source.

Well, I would think it depends on your investment objectives as well as your age. I have invested in both Syfe's portfolios in a 40:60 ratio (Equity100 vs REITS+). I personally like the REITS+ for its relatively stable dividends and lower volatility. In fact, since I started investing in Syfe a few months ago, my REITS+ has a higher capital gain than my Equity100.

Perhaps you could consider building up your Equity100 using DCA instead of transferring from one Portfolio to another. One suggestion is if you are in your 20s, you could build up to a ratio of 80:20 since you have a longer runway to benefit from the growth portfolio and can afford to take a higher risk. And if you are in your 40-50s, your ratio could be 50:50. In this way, you have a system to "diversify" your Syfe investment, akin to a Growth vs Income portfolio.

I hope this helps in your decision. All the best in your investment journey!