Is it better to spread out my investments across the different Syfe portfolios? For a beginner investor with $100 per portfolio (reits+, equity100, global) per month, or focus just on equity100 for growth? - Seedly
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Anonymous

Asked 2w ago

Is it better to spread out my investments across the different Syfe portfolios? For a beginner investor with $100 per portfolio (reits+, equity100, global) per month, or focus just on equity100 for growth?

As a 22 year old, is it better to spread out my investments across the different Syfe portfolios?

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Syfe

Syfe

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!

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Suzuki Tan
Suzuki Tan

2w ago

Can you clarify, when u say long term, 5 years , 10 years or 15 years ?
Question Poster

2w ago

I'm thinking about 10 years
Thank You!
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Hello, if I was you I will put 150 each into global and equity100, reason being is that you need a significant sum to get any notable return from REITS. Also being young you have the long horizon to let your equity100 profile grow.

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Question Poster

2w ago

Thank You!
Jay Hou
Jay Hou

2w ago

Like what Deedee answered, "the equity100 (purely equity hence 100%) and global portfolios have some overlap" in fact they are similar, the ONLY diffce is Global has more of bonds and etc to "cushion" it when Economy is bad, so it really depends on what THread Starter/Question Poster wanted (no need to repeat getting similar ones) If u wanna try, dabble on the Reits pf
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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.

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D

Deedee

Level 6. Master

Answered 2w ago

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

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Question Poster

2w ago

Thank You!
Thank You!
Can you clarify
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If you are investing the amount for a long time (like 20 or more years), feel free to go for Equity100.

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Question Poster

2w ago

Thank You!
Suzuki Tan
Suzuki Tan

2w ago

20 years... hope syfe still around
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