Stashaway Income or Syfe Reits+ 100% no bonds?

For me, I personally recommend the Syfe REITs + with no bond.

This is because, StashAway (S.A) have higher fees, the lower tier of fees S.A charges is 0.80% (excluding the expense ratio of each ETF). Meaning to say, your Fees incurred with S.A is approximately 1.2% each year, which is quite hefty.

However, if you want more diversification, then S.A is the one to go with. As it provides bond, equities, REITs etc.. Whereas Syfe is only providing REITs. ​​​

First thing you shoud consider is the cost which depends on how much you will invest. Stashaway starts from 0.8% while Syfe starts at 0.65% per annum. Also take note that Stashaway has a min $10,000 min balance.

Next, since you are getting into dividends investing... I personally invest with Syfe REIT+ and I know I'll get dividends quarterly reinvested (because my portfolio is less than 20k). For Stashway Income, I wasn't able to get an answer. I read their FAQs and it basically said some months have and some months no have because it is dependent on how the ETFs in the portfolio schedulue their dividend payouts which leads me to my next point on whats in the portfolio.

The stashaway income portfolio invests in ETFs: bond etfs, sti etf, reit etf etc. whereas for Syfe reit+ as name suggests invests into reits (not a reit etf). While investing in reits ensures guranteed dividends since reits are required to payback 90% of their income back to investor, same can't be said for ETFs.