What do you think about investing in the Lion-Phillip S-REIT ETF with FSMone vs investing in the i-Edge S-REIT with Syfe REIT+?

Hi anon, that's a great question! Firstly, Syfe REIT+ is not an ETF portfolio. When you invest in the REIT+ portfolio, you get to own actual units of the REITs included in the i-Edge S-REIT index.

Unlike FSMone, Syfe has no minimum investment amount and no commission fees.

If you invest $100 every month into REIT+, the fee you pay for the entire year is $4.23. Our fee of 0.65% is a per annum fee, but fees are charged on your asset under management each month.

If you invest $100 every month through FSMone, your commission alone will be $12. That's not including the ETF management fees of 0.5% on the Lion-Phillip S-REIT ETF.

To boost your returns, REIT+ 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.

FSMone uses a transaction-based approach to charging fees. On the other hand, Syfe uses a percentage-based model on your portfolio size.

The cost of investing via FSMone or Syfe will depend on the following factors:

1. Frequency of investing - the more often you invest, the more expensive via FSMone

2. Quantum of investment - the more $ you invest, the more expensive via Syfe

There are 2 ways to approach investing in the Lion-Philip S-REIT ETF via FSMone:

1. Via Regular Savings Plan(0.08% or min S$1 per month) which will buy into the ETF on the 8th of every month

2. Directly buying the ETF via Live Trading(S$8.80 per trade) whenever you want to.

As for investing via Syfe, it follows a tiered percentage-based struture on AUM:

<20k - 0.65%

20k and <100k - 0.5%

100k - 0.4%​​​