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Eliezer

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Eliezer

Content & Community Lead at Syfe

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Content & Community Lead at Syfe

Eliezer

Content & Community Lead at Syfe

  • Answers (88)
  • Questions (0)
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Robo-Advisors

Investments

Any idea how to create a core-satellite investing strategy with robo-advisors?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered 4w ago
Hey anon, that's a great question! You can create a core-satellite investing strategy using Syfe's portfolios if you prefer. Typically, your core should be a diversified portfolio of stocks and bonds at the very least. You can consider our Global Portfolio, an ETF portfolio diversified across asset classes, geographies and sectors. Another reason why it makes an ideal core is its risk management. Simply put, our ARI algorithm cushions against significant losses when markets fall. The bulk of your investments will experience fewer fluctuations in portfolio value and you'll get a greater peace of mind.
👍 1

Investments

Syfe

StashAway

Robo-Advisors

How does Syfe's REIT+ or the new Equity100 compare to Stashaway's current portfolios?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Updated on 06 Jul 2020
Hello! Thanks for your interest in Syfe. Let me get to your questions. 1) Risk levels . In general, the 100% REITs option on REIT+ and Equity100 (an all-equity portfolio) will have a higher risk compared to our Global ARI portfolio and portfolios from other platforms. This is because they are fully invested in REITs / equities, with no bonds or gold to provide any diversification. So yes, they are considered higher-risk investments suitable for investors who are willing to face periods of share price volatility to achieve higher risk-adjusted returns over the long-term . 2) Different portfolios for different goals. Rather than two different apps, why not consider creating different portfolios within Syfe? For a short-term goal, you may consider the Global ARI portfolio at a lower risk level. We have options from 5% to 25% risk levels. For a longer term goal, you can either choose our higher risk Global ARI portfolio, or go with Equity100 / 100% REITs. In fact, one good way would be to implement a core-satellite approach using Global ARI and Equity100. You benefit from the steady market returns generated from your core investments while enjoying the thrill of your satellites outperforming the market from time to time. If you've more questions, our financial experts will be happy to get on a call with you as well.
👍 5

Investments

Syfe

Robo-Advisors

REITs

ETF

Hi, newbie investor here. Can Syfe 100% REIT+ be seen as an index fund?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 01 Jul 2020
Hi there, you're right - Syfe's REIT+ portfolio tracks the SGX's iEdge S-REIT 20 index to provide exposure to the 20 largest REITs in Singapore. This means that you will own these REITs in roughly the same proportions as that of the index. Please note that REIT+ is not an ETF. As such, your funds are invested in the REITs directly, and not a REIT ETF. Syfe's role is two-fold. Firstly, we offer optional risk-management for investors who prefer it. They can access this by choosing our REITs with Risk Management portfolio. Secondly, we are the only platform to offer a REIT portfolio (not an ETF!) that tracks the iEdge S-REIT 20 index. You can of course replicate the index by buying the 20 REITs through a broker, but this will mean incurring 20 brokerage charges for each transaction made. REIT+ offers a more cost-efficient way of investing in Singapore REITs. We have no brokerage charge and no minimum investment amount, which makes it ideal for investors who want to DCA. Moreover, there's no lock-in period and you can withdraw your funds anytime at no charge. Lastly, our low fees start from 0.4% per year. With REIT ETFs, you're in essence paying two fees - ETF fees and fees to the platform provider.
👍 0

Kristal.AI

StashAway

AutoWealth

Syfe

FSMOne Fundsupermart

Which is the best robo-advisor for DCA?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 01 Jul 2020
Hi Susmit, you seem interested in US and tech stocks based on the funds you've identified. Syfe's new 100% equities portfolio could be right for you. It is designed for investors who are comfortable taking risks and who want to maximize their exposure to global stocks. Equity100 is constructed using stock ETFs that collectively invest in over 1,500 stocks from the world’s top companies. These include Microsoft, Amazon, Apple, Facebook, Walmart, Alibaba, Novartis and more. Invesco QQQ ETF and the iShares Core S&P 500 UCITS ETF (CSPX) are some of the ETFs held within the portfolio. To provide better risk-adjusted returns, Equity100 also uses a Smart Beta investment strategy. The portfolio is tilted towards growth, large market capitalization and low volatility factors. If you're planning to DCA, you'll find the Equity100 portfolio to be very cost efficient. Syfe has no brokerage charges and no minimum investment amount, which makes it ideal for regular investments. Our low fees start from 0.4% per year. Moreover, there's no lock-in period and you can withdraw your funds anytime at no charge.
👍 5

Investments

Syfe

Robo-Advisors

Regular Shares Savings Plans (RSS/RSP)

I’m very new to investment. I’m thinking of doing RSP. What does Syfe invest in for global investment portfolio? Any advice?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 22 Jun 2020
Hey there! Syfe's Global Portfolio is invested in a diversified mix of stocks, bonds and gold. Before you start, the general rule is that you should always invest with your risk tolerance and investing timeline in mind. You can take Syfe's Risk Assessment to better understand your risk profile. With that, we will then recommend you a Global Portfolio suitable for your risk tolerance level. In essence, it means that we will help you manage your investment risks so that when markets turn choppy, your portfolio value will experience a smaller drop in value. You can do your own DCA with the Global Portfolio. You can invest any amount you prefer at any time - all with no brokerage / transaction costs.
👍 0

Investments

Kristal.AI

Syfe

Robo-Advisors

ETF

Stocks Discussion

Online Brokerages

I have $5000 to invest, and I’ve already settled my emergency savings, insurance, all that jazz. Where should I put this $5000?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 22 Jun 2020
It's great that you're planning to invest! Before you start, the general rule is that you should always invest with your risk tolerance and investing timeline in mind. If you are planning to invest for the longer-term, and are comfortable accepting more risk in your portfolio, then IWDA and Syfe REIT+ are both good options. Going forward, you may consider adding a portfolio that has diversified exposure to bonds and commodities as well. You can take a look at Syfe's Global Portfolio. The exposure to bonds acts as a good counter to stocks and REITs when markets are volatile.
👍 0

Robo-Advisors

Syfe

ETF

REITs

Investments

Property

Starting work soon n want to invest ~$20k in REITs now. For long-term, should I buy REITs ETF to store in CDP or just put all in Syfe to get lower pa fees? I'm also planning to DCA $500/mth in Syfe REITS+? Any advice?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 22 Jun 2020
Hello there! The Syfe REIT portfolio is not a REIT ETF portfolio. Instead, your funds are invested in all the individual REITs held by the portfolio. So you are right when you say Syfe provides lower fees p.a. overall. If you are planning to invest for the long-term, and are comfortable with taking on higher risk investments, our 100% REIT portfolio may be a good option to consider. You can DCA to that portfolio each month to accumulate your REIT assets without incurring any brokerage and transaction fees. If you buy individual REIT counters or even a REIT ETF, each buy/sell transaction comes with a brokerage charge. If you want further advice on the best way to invest a lump-sum right now, do consider speaking with our investment advisors too! They'll be able to provide more tailored recommendations - https://www.syfe.com/financial-advisors
👍 0

REITs

ETF

StashAway

Syfe

Robo-Advisors

Investments

REITs ETF or stocks ETF, which is better?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 22 Jun 2020
Hi there! Syfe's 100% REIT portfolio isn't a REIT ETF. Instead, your funds are invested in the individual REITs held by the portfolio. With Phase 2 of Singapore's circuit breaker starting, Singapore REITs are on the road to recovery. If you believe in the long-term potential of S-REITs, the 100% REIT portfolio is a good option to start now. Unlike REIT ETFs on the market, there are no brokerage fees each time you invest in Syfe's REIT portfolio. This makes it ideal for investors looking to accumulate their REIT assets month by month.
👍 0

Investments

Stocks Discussion

Robo-Advisors

Syfe

REITs

Property

For Syfe REITs+, do we have to deposit money every month or just a one time? Also, do I have to accumulate a minimum sum before withdrawal is allowed?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 22 Jun 2020
Hi there! You don't have to accumulate a min sum before withdrawal is allowed. You can make a withdrawal any time you wish. So although the automatic crediting of dividends to your bank account is only available for Black and Gold tier clients, you can still withdraw your dividends as you prefer. Compared to RSP, Syfe is more cost efficient for regular investing. You can DCA without incurring any brokerage / transaction fees for each transaction you make. RSPs may have selling fees too when you divest your investments. Syfe does not levy any withdrawal fees when you withdraw. Over the long term, investing with Syfe will be more cost effective.
👍 0

Investments

REITs

Syfe

Robo-Advisors

Stocks Discussion

Online Brokerages

Property

In this current situation, would you put your money into 100% Syfe REIT+ ?
Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 15 Jun 2020
Hey anon, perhaps this perspective from someone who has invested in the 100% REITs portfolio would be helpful: https://seedly.sg/questions/would-it-be-better-to-invest-in-100-reits-or-reits-bonds-with-syfe If you have further questions, do feel free to reach out to our investment advisors for more personalised advice - https://www.syfe.com/financial-advisors
👍 0
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