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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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Investments

Syfe

Robo-Advisors

StashAway

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 27 Feb 2020
Hello there! Perhaps I can share more about what's truly distinctive about Syfe as you look deeper into this topic. Syfe employs a proprietary investment methodology called ARI (Automated Risk-managed Investing). 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. During periods of high market volatility (like the current market for instance), ARI will adjust your portfolio allocation, reducing your exposure to higher-risk assets and increasing the percentage of lower-risk assets in your portfolio to cushion against losses and help you stay invested for the long haul. Our Head of Portfolio Construction, Richard Yeh, wrote a piece for The Business Times explaining our risk-based rebalancing strategy in detail: https://www.businesstimes.com.sg/investing-wealth/the-value-of-risk-based-rebalancing In terms of what Syfe invests in, we currently have two offerings. Our Global Portfolio comprises ETFs diversified across geographies, sectors and asset classes. Though you can invest in both SGD or USD, our end investments are held in USD. Our REIT+ portfolio is a SGD-denominated portfolio that contains 15 quality SGX-listed REITs combined with Singapore Government Bonds for high yield and better risk-adjusted performance. You can find more details here: https://www.syfe.com/sample-portfolio and https://www.syfe.com/reit-plus If you've more questions, do feel free to reach out to us directly through our web chat!
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Investments

Robo-Advisors

Syfe

StashAway

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 26 Feb 2020
Hi Evan, as you look deeper into this topic, perhaps I can share more about Syfe's proprietary investment methodology ARI (Automated Risk-managed Investing). 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. During periods of high market volatility (like the current market for instance), ARI will adjust your portfolio allocation, reducing your exposure to higher-risk assets and increasing the percentage of lower-risk assets in your portfolio to cushion against losses and help you stay invested for the long haul. Our Head of Portfolio Construction, Richard Yeh, wrote a piece for The Business Times our risk-based rebalancing strategy in detail: https://www.businesstimes.com.sg/investing-wealth/the-value-of-risk-based-rebalancing In terms of what Syfe invests in, we currently have two offerings. Our Global Portfolio comprises ETFs diversified across geographies, sectors and asset classes. Though you can invest in both SGD or USD, our end investments are held in USD. Our REIT+ portfolio is a SGD-denominated portfolio that contains 15 quality SGX-listed REITs combined with Singapore Government Bonds for high yield and better risk-adjusted performance. You can find more details here: https://www.syfe.com/sample-portfolio and https://www.syfe.com/reit-plus On taxes, you won’t be taxed on capital gains. While there is a 30% withholding tax on the dividends from certain US ETFs, this would be applicable even if you trade them yourself. What is more important is to note that gold ETFs do not pay dividends, so there will be no withholding tax. For treasury ETFs, we actually claim back the withholding tax for you. No action is required on your end as our partner broker will automatically claim this amount for you and your account will be credited accordingly.
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Syfe

Investments

REITs

Robo-Advisors

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 26 Feb 2020
Hi Anon, thanks for your interest in our REIT+ portfolio and I'm happy to share more. In essence, there are 15 REITs in the REIT+ portfolio including Ascendas REIT, Mapletree Commercial Trust, CapitaLand Mall Trust, Suntec REIT, Keppel REIT, Parkway Life REIT, and more quality S-REITs. There are several advantages to investing in REIT+. 1) There is no minimum investment, and you gain instant access to 15 S-REITs in one diversified portfolio without the many frictions associated with buying REITS individually such as time spent in researching each REIT, brokerage costs, rebalancing and dividend reinvestment costs. With REIT+, our fee starts from as low as 0.4% per annum. 2) You have the option of choosing quarterly dividend payouts or having dividends reinvested automatically at no extra charge. You can dollar-cost average into the REIT+ portfolio, increasing your REIT assets month by month without incurring further brokerage costs. 3) REIT+ aims to provide Singapore investors with a high-yielding REIT portfolio balanced against the risk of a severe portfolio loss during turbulent markets. That’s why a portion of the portfolio is allocated to Singapore government bonds (through the ABF Singapore Bond Index ETF) to cushion your portfolio impact during adverse market conditions. Our proprietary ARI algorithm also manages the risk in your REIT+ portfolio to defend against rising market volatility and provide higher risk-adjusted returns. Of course, for investors who have a strong view on individual REITs and who know how they fit with their investment objective, investing in “self-picked” REITs can be a good choice. But for investors who have no time or inclination to select and research REITs, REIT+ is a hassle-free and low-cost option to start investing in real estate.
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Investments

Loans

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Updated on 26 Feb 2020
Hi Dominique, before you start investing, my recommendation would be to first ensure you have adequate emergency funds, insurance, and minimal high-interest loans such as credit card debt. With that settled, you can then focus on building up your investments. Normally we do not suggest taking loans to fund investments, but we also realise that no two cases are the same. I suggest speaking with one of our licensed financial advisors who can offer more targeted investing advice. Alternatively, feel free to schedule a call here: https://www.syfe.com/financial-advisors
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Robo-Advisors

Syfe

REITs

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 26 Feb 2020
Hi anon, thanks for your interest in our REIT+ portfolio. There are 15 REITs in the REIT+ portfolio, including Ascendas REIT, Mapletree Commercial Trust, CapitaLand Mall Trust, Suntec REIT, Keppel REIT, Parkway Life REIT, and more quality S-REITs. There are several advantages to investing in REIT+. 1) There is no minimum investment, and you gain instant access to 15 S-REITs in one diversified portfolio without the many frictions associated with buying REITS individually such as time spent in researching each REIT, brokerage costs, rebalancing and dividend reinvestment costs. With REIT+, our fee starts from as low as 0.4% per annum. 2) You have the option of choosing quarterly dividend payouts or having dividends reinvested automatically at no extra charge. You can dollar-cost average into the REIT+ portfolio, increasing your REIT assets month by month without incurring further brokerage costs. 3) REIT+ aims to provide Singapore investors with a high-yielding REIT portfolio balanced against the risk of a severe portfolio loss during turbulent markets. That’s why a portion of the portfolio is allocated to Singapore government bonds (through the ABF Singapore Bond Index ETF) to cushion your portfolio impact during adverse market conditions. Our proprietary ARI algorithm also manages the risk in your REIT+ portfolio to defend against rising market volatility and provide higher risk-adjusted returns. Of course, for investors who have a strong view on individual REITs and who know how they fit with their investment objective, investing in “self-picked” REITs can be a good choice. But for investors who have no time or inclination to select and research REITs, REIT+ is a hassle-free and low-cost option to start investing in real estate.
👍 3

Investments

Savings

Stocks Discussion

Retirement

Syfe

REITs

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 26 Feb 2020
There are 15 S-REITs in the REIT+ portfolio as CH and Davin have mentioned. The REITs include Ascendas REIT, Mapletree Commercial Trust, CapitaLand Mall Trust, Suntec REIT, Keppel REIT, Parkway Life REIT, and more quality S-REITs. There are several advantages to investing in REIT+. 1) There is no minimum investment, and you gain instant access to 15 S-REITs in one diversified portfolio without the many frictions associated with buying REITS individually such as time spent in researching each REIT, brokerage costs, rebalancing and dividend reinvestment costs. With REIT+, our fee starts from as low as 0.4% per annum. 2) You have the option of choosing quarterly dividend payouts or having dividends reinvested automatically at no extra charge. You can dollar-cost average into the REIT+ portfolio, increasing your REIT assets month by month without incurring further brokerage costs. 3) REIT+ aims to provide Singapore investors with a high-yielding REIT portfolio balanced against the risk of a severe portfolio loss during turbulent markets. That’s why a portion of the portfolio is allocated to Singapore government bonds (through the ABF Singapore Bond Index ETF) to cushion your portfolio impact during adverse market conditions. Our proprietary ARI algorithm also manages the risk in your REIT+ portfolio to defend against rising market volatility and provide higher risk-adjusted returns. Of course, for investors who have a strong view on individual REITs and who know how they fit with their investment objective, investing in “self-picked” REITs can be a good choice. But for investors who have no time or inclination to select and research REITs, REIT+ is a hassle-free and low-cost option to start investing in real estate.
👍 3

Syfe

Investments

Robo-Advisors

REITs

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 26 Feb 2020
Hi SK, thanks for your interest in the REIT+ portfolio. Regarding your first question, if you wish to withdraw 10% a year later, it will be 10% of your portfolio value in a year’s time. Alternatively, you can also choose to give us a fixed amount to withdraw, say $1,000, if that's what you prefer. For your second question, the basket of S-REITs is not static. Our current selection of S-REITs is based on stringent selection criteria including liquidity, large market capitalization, reputable sponsors and managers, having a minimum free float of 20%, and sector diversification. We also impose a maximum weight cap on each of the 15 S-REITs we have in the portfolio to avoid overexposure to any one REIT. Furthermore, we are not bound to a fixed number of S-REITS as long as we satisfy our selection criteria. We are continually reviewing the fundamentals of our REIT holdings according to our selection criteria and will rebalance as necessary among the individual REITs on a semi-annual basis as markets shift. This also means that if we do find S-REITs that match our criteria, we might add them to the portfolio.
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Stocks Discussion

REITs

Investments

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 25 Feb 2020
REITs in general have a low correlation to stocks and bonds. They are also typically seen as defensive investments, so when market conditions seem to be worsening, REITs tend to remain resilient. Real estate is always in demand and tenants are bound by a contractual commitment with leases that tend to be longer than a few years. This assures the REIT a steady stream of revenue, and hence dividends (REITs have to pay 90% of their taxable income as dividends). That guarantee makes it attractive for investors to add REITs to their portfolio. Furthermore, in times of market uncertainty, investors look for investment vehicles that offer regular dividends and relatively stable income - benefits that REITs offer in this current climate.
👍 2

Investments

Robo-Advisors

Syfe

Stocks Discussion

Dhruv Arora
Dhruv Arora
Level 6. Master
Updated on 06 Dec 2019
Hi there! At Syfe, we use percentages (e.g. 15% Downside Risk) to label our different portfolios, rather than describe them with vague terms such as “conservative” or “aggressive”. Your Downside Risk represents your risk threshold. (Higher risk is associated with greater probability of higher return). If you have a portfolio in the 15% Downside Risk category, it means that there is a 97.5% chance (39 out 40 years) your portfolio will not lose more than 15% of its value in a given year. This can impact your overall portfolio. However, in the event where your portfolio threatens to exceed this potential 15% risk of loss - such as during a recession - your portfolio is automatically rebalanced to ensure your risk remains within your selected downside risk level. This is the unique value of Syfe’s methodology. We do this through our Automated Risk-managed Investments (ARI) methodology. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. In other words, ARI reduces the likelihood that your portfolio will lose more than its downside risk to the very minimum, so you can sleep well at night knowing that your portfolio is being continuously monitored and expertly managed by us.
👍 3

Investments

Savings

Syfe

Robo-Advisors

Dhruv Arora
Dhruv Arora, Founder & Chief Executive Officer at Syfe
Level 6. Master
Answered on 06 Dec 2019
Hi anon, thanks for your interest in Syfe. Your Downside Risk represents your risk threshold. (Higher risk is associated with greater probability of higher return). With a portfolio in the 15% Downside Risk category, it means that there is a 97.5% (hence 39 out 40) chance your portfolio will not lose more than 15% of its value in a given year. This can impact your overall portfolio, which includes your lump sum as well. However, in the event where your portfolio threatens to exceed this potential 15% risk of loss - such as during a recession - your portfolio is automatically rebalanced to ensure your risk remains within your selected downside risk level. This is the unique value of Syfe’s methodology. We do this through our Automated Risk-managed Investments (ARI) methodology. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. In other words, ARI reduces the likelihood that your portfolio will lose more than its downside risk to the very minimum, so you can sleep well at night knowing that your portfolio is being expertly managed by us.
👍 3
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