Asked 2w ago
As a 22 year old, is it better to spread out my investments across the different Syfe portfolios?
Answered 2w ago
Hello there! That's a good question. Generally, if you have a long investment timeline and are comfortable with risk, you may choose to go with Equity100 for growth and REIT+ for dividend income. Investing in both portfolios provide diversification; you'll get exposure to Singapore REITs and global equities.
You may also adopt a core-satellite strategy where you use our Global portfolio as your core and Equity100 and REIT+ as your satellite. You can find out more here.
For more personalised recommendations, do feel free to have a chat with our wealth experts as well!
Do you know what you are spending your money on? Or are you just treating this like buying 4D? Whack a few numbers and hope for the best?
Read up what Syfe offers, ask yourself which portfolio you find most convincing, work out a plan, and stick to it.
Equity100 is a factor portfolio that tilts towards Growth. Syfe has said that they will switch factors when they think it is appropriate.
Global is best known for its ARI, which is basically about moving into bonds when Syfe thinks things will be volatile.
Reits, well, is about Reits. Sreits in particular. And is a wholly SG portfolio. It is the only portfolio which follows a passive index (for 100% reits. Otherwise there is an element of ARI also involved.)
Besides the Reits portfolio, the other two are in a sense actively managed and depends on how well Syfe's algorithms manage to time the market.
I feel the equity100 and global portfolios have some overlap (maybe because my answers to the questionnaires are similar). However due to availability of bonds, the fluctuations (dips and ups) for the global is smaller. If you intending to hold long term at least 10 ish years, just go for equity100. Put in monthly/yearly and don't look at it till every 4 months to 12 months just to check it out lol.
If you intend to look at it often (like me since it's easy access haha), and think you'll panic mode when u see a sea of red, then perhaps global may be better for you.
Just a comparison, I had a paper loss of ~$100 for global and ~$500 for equity100 during the days leading up to elections. My portfolios are not so big btw. Would you be able to withstand to see it?
I have a small reit portfolio too because I see potential and also because dividends can be reinvested!
My dca monthly is about $100 reit, $400 equity100 :) I missed one month though as I had other commitments for the cash =x
If you are investing the amount for a long time (like 20 or more years), feel free to go for Equity100.