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Dhruv Arora

Dhruv Arora

Founder & Chief Executive Officer at Syfe

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Dhruv Arora

Founder & Chief Executive Officer at Syfe

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Stocks Discussion

Investments

Savings

STI ETF

ETF

Optimising your asset allocation is one of the most important things you can do for your portfolio. To determine the right asset allocation for your particular risk appetite, you may want to take Syfe’s custom-built risk questionnaire which recommends a portfolio asset allocation based on your risk profile, time horizon and investment objectives. A portfolio that may be ideal for your lower risk appetite and target 4.8% annualised return could be Syfe’s 7% Downside Risk portfolio. The average 10-year return for that portfolio is 5.31%. Please take our risk questionnaire to find out more about this portfolio . The SPDR STI ETF exposes you to Singapore-based equities but for a truly diversified portfolio, it may be helpful to consider investing in low-cost global exchange-traded funds (ETFs) as well. Syfe portfolios, for instance, consist of ETFs that are diversified across asset classes, sectors and geographies for optimum diversification and better risk-adjusted returns. You rightly pointed out that high fees will eat into your investment. That’s why we’ve removed all sales, brokerage, entry/exit, and trading fees to keep your investment costs as low as possible. Our fee is just 0.65% per annum and you pay only for the days your money was managed.

Investments

STI ETF

Regular Shares Savings Plans (RSS)

Syfe

Robo-Advisors

DBS digiPortfolio

Hi there! To help you make a better choice, perhaps I can share more about what sets Syfe apart. Our key strength lies in our proprietary Automated Risk-managed Investments (ARI) methodology. ARI combines two of the world’s leading investment approaches and is built by a team of academics, technologists and former bankers. ARI creates your portfolio by allocating assets which have shown the best return for your risk profile. (Your portfolio consists of around 20 US-listed exchange-traded funds (ETFs)). More importantly, ARI continually monitors your portfolio. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. This ensures your portfolio risk stays aligned to your desired risk level. During periods of market calm, ARI will adjust your portfolio allocation to include higher-risk assets so your overall portfolio risk is kept in line with your desired risk exposure, but you capture the market upside as well. The result is that ARI helps you achieve benchmark-beating returns by maintaining your desired risk level, no matter what market conditions may be. With Syfe, you can start investing any amount you prefer as there is no investment minimum, no sales charge and no withdrawal penalty. Our fee is just 0.65% per annum and you pay only for the days your money was managed by Syfe.

Stocks Discussion

Investments

Retirement

Savings

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 02 Oct 2019
Hi anon, as you look deeper into this topic, perhaps I can share more about Syfe's proprietary investment methodology ARI (Automated Risk-managed Investing). Simply put, ARI helps investors achieve better risk-adjusted returns by keeping their portfolio risk in line with their risk level. Your Syfe investing journey starts with you taking our Risk Assessment to better understand your risk profile. ARI then builds you a personalised investment portfolio, allocating assets which have shown the best return for your risk profile. Thereafter, ARI continually monitors your portfolio to keep your portfolio risk in line with your desired risk level. For instance, during periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. This ensures your portfolio risk stays aligned to your desired risk level. Conversely, during periods of market calm, ARI will adjust your portfolio allocation to include more higher-risk assets. Your overall portfolio risk is still kept in line with your desired risk exposure, but you capture the market upside as well. What is truly distinctive about ARI is how it provides better risk-adjusted returns, no matter what market conditions may be. You may view our backtested returns during specific events such as the 2008 financial crisis here. Regarding Syfe's ETF investment universe, they include ETFs from multiple asset classes covering 20 sectors across more than 15 countries, as shown in the image below. You're also free to deposit and withdraw any amount you prefer – anytime – with no additional charges. So yes, investing $200 per month is definitely possible with Syfe. If you'd like to find out more, please feel free to join our weekly investing workshops! Our investment team will be happy to answer any other queries you may have.

Investments

Money FM 89.3 Show

Stocks Discussion

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 27 Sep 2019
My personal belief is that while returns can never be accurately predicted, risk can - and should be - managed. All investments carry a certain amount of risk, so understanding the risk/reward trade-off can help protect your investment portfolio. First, find your comfort level with risk. Think of how you might react to large market swings. Secondly, consider your ability to take on risk. This depends largely on your investment horizon. Next, consider whether you need to take the risk. What is the investment return you will need in order to meet your financial goals? Another strategy I stand by is portfolio diversification. This helps reduce your investment risk so that you won’t lose everything if the market underperforms. That’s why I recommend investing in different types of assets such as stocks, bonds, commodities etc to diversify your portfolio. What’s more, aim to diversify your investments within these asset classes. For bonds, this could mean purchasing different types of bonds like government bonds and corporate bonds with different maturities and different issuers. For stocks, this could mean investing in a mix of large cap, mid cap, and small cap stocks across different sectors. This is also the reason I generally recommend investing in Exchange Traded Funds (ETFs). With ETFs, you get quick, easy diversification since they allow you to invest in a large number of securities through a single transaction. Ultimately, your ideal asset allocation i.e. what you should invest in, is best determined by your risk profile, investment goals, and time horizon. If you would like an idea of what a diversified portfolio should look like based on these three factors, why not try Syfe's risk assessment tool to find out.

DBS Multiplier

DBS

Investments

ETF

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 18 Sep 2019
As Cedric mentioned, with dollar cost averaging, you avoid the risks of lump-sum investing since you invest smaller, consistent amounts during both good and bad market conditions. Over the long term, your returns average out to mirror the overall market performance. A RSP is good if you want exposure to Singapore equities. But if you want a globally diversified ETF portfolio, you can consider digital wealth managers like Syfe. Syfe has no minimum investment amount and you get the freedom to decide how much to invest each month.

Investments

Unit Trust

Equities

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 18 Sep 2019
Hi Melissa, I generally don’t recommend investing in unit trusts due to the high fees involved. Fees have one of the largest impacts on returns. What’s more, the higher fees you pay for unit trusts may not translate to better returns. If you look at the chart below, you’ll see that despite having higher total expense ratios (TERs), the 10-year annualised return for these unit trusts wasn’t better than their comparative ETFs. High TERs can substantially erode investment returns. If the TER was 1%, $100,000 invested at an annual return of 5% would be worth $324,000 after 30 years. If the TER was just 1% more (2% TER), your final investment value would drop to just $242,000 . When it comes to investing in equities, my preference is to invest in equity Exchange Traded Funds (ETFs) instead, for quick, easy diversification. ETFs allow you to invest in a large number of stocks through a single transaction. This built-in diversification protects your portfolio. If your portfolio is concentrated in just a few stocks, when one underperforms, it can drag down your whole portfolio. A fuss-free way to start making dollar cost averaged investments into ETFs is through a digital wealth manager, as Tat Tian mentioned. You can consider Syfe – our portfolios are a combination of up to 25 ETFs for equities, bonds and gold. !
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Stocks Discussion

Investments

Bank Account

Retirement

Savings

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 17 Sep 2019
Hello there! Perhaps I could share more about Syfe's investment methodology to help you make a better choice. Our key strength lies in our proprietary Automated Risk-managed Investments (ARI) methodology. ARI combines two of the world’s leading investment approaches and is built by a team of academics, technologists and former bankers. ARI creates your portfolio by allocating assets which have shown the best return for your risk profile. But more importantly, it continually monitors your portfolio. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. This ensures your portfolio risk stays aligned to your desired risk level. During periods of market calm, ARI will adjust your portfolio allocation to include higher-risk assets so your overall portfolio risk is kept in line with your desired risk exposure but you get to capture the market upside as well. The result is that ARI helps you achieve benchmark-beating returns by maintaining your desired risk level, no matter what market conditions may be. Another point to highlight would be our simple, all-inclusive fee of 0.65% per annum. We have no minimum investment amount and you always have the freedom to withdraw anytime at no extra charge.

Investments

Stocks Discussion

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 16 Sep 2019
Michael Burry’s latest comment that he sees a bubble in passive investing has definitely grabbed headlines, but I disagree with his argument that index funds are like the subprime collateralized debt obligations (CDOs) that caused the 2008 financial crisis – i.e. passive investing will cause the next market crash. Burry is saying that the whole stock market has become over-valued because of "blind" passive investing. However, the stock index is merely a portfolio of underlying stocks. Burry is implying that because it is put together as a passive index portfolio, investors are no longer valuing the underlying securities and are merely blindly buying and causing a growing misvaluation. But wouldn't short-sellers, e.g hedge funds, take advantage of this by shorting the over-valued underlying stocks? Is he assuming there are no arbitragers in the stock market where "shorting" is relatively easily accessible? What’s more, CDOs are highly leveraged while index funds, for the most part, are not. The underlying stocks of index funds are listed and can be easily traded whereas the debt securities and derivatives that underlie CDOs are more opaque and not so easily accessible to the general public. My view is that is passive investing continues to be a solid investment strategy for most people. If you'd like to find out more, do check out our article here: https://www.syfe.com/magazine/everything-you-need-to-know-about-passive-investing/

Investments

Stocks Discussion

Regular Shares Savings Plans (RSS)

OCBC

Savings

Blue Chips

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 11 Sep 2019
It’s good that you’re thinking of investing at an early age. But before you start investing, I’d suggest building up your emergency fund, having adequate insurance and minimising any high-interest loans like credit card debts. You can consider RSS plans if you want exposure to Singapore stocks. But if you want a diversified portfolio with exposure to global stocks and bonds, digital wealth managers like Syfe may be another option. (Syfe has no minimum investment amount.) Apart from investing early, diversification is one of the other keys to successful investing. Simply put, don’t invest all your money in the same place e.g. in one specific stock. A diversified portfolio helps reduce your investment risk so that you won’t lose everything if the market underperforms. To diversify your portfolio, you would want to invest in different types of assets such as stocks and bonds. Next, diversify your investments within these asset classes. With stocks, this could mean investing in a mix of large cap, mid cap, and small cap stocks for instance. This is also the reason I generally advise against picking individual stocks. Instead, I recommend investing in Exchange Traded Funds (ETFs) for quick, easy diversification since ETFs allow you to invest in a large number of stocks through a single transaction.

Investments

Savings

Family

Syfe

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 09 Sep 2019
Hello there! I believe that everyone can benefit from having a financial plan, no matter their financial situation. A solid financial plan keeps you on track with your saving and investment goals, debt management, insurance coverage, retirement planning, and more. That’s the reason we’ve launched our latest financial planning service – not just for Syfe customers but anyone who wishes to be financially prepared for each milestone in their life. To give you an idea of what advice we can offer, here are some potential questions you may ask: - What sort of investments are right for me? - Am I on track to reach my retirement goals? - How can I provide for my child’s future education needs? - Should I invest in the property market? - How do I plan my budget to take care of my parents and my children? For a more detailed analysis of your finances and the steps you can take to reach your financial goals, simply schedule a call with our Syfe expert. Our planning advice is free and always in your best interest - you will never feel pressured to invest with Syfe or accept any recommendations. And while this service is currently free, it might not be free forever, so do take this opportunity to arrange for a phone consultation with our experts.
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