Should I invest in stashaway 36% risk or Syfe Equity 100? I plan to invest for the Long term and I am aware that stashaway invests in gold which I read that it isn’t a good Long Term Investment? - Seedly
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Anonymous

Asked on 06 Aug 2020

Should I invest in stashaway 36% risk or Syfe Equity 100? I plan to invest for the Long term and I am aware that stashaway invests in gold which I read that it isn’t a good Long Term Investment?

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You can check out my article on the comparison between Syfe and Stashaway here.

In essence, choose Stashaway if you have 25k or more to invest due to their high fees if you have less than 25k (0.8% +0.28% ETF expense ratio)

If not, the answer is obvious to choose Syfe Equity100 since it gives you the highest risk-adjusted return in the long run since it is 100% equities. You can also check out my article on Equity100 here to find out more information. Hope it helps!

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Hi anon, that's a good question! There are fundamental differences between both portfolios. Syfe's Equity100 portfolio is 100% invested in equities. Microsoft, Amazon, Facebook, Alibaba, and more are among some of the key stock holdings in the portfolio.

What's more, Equity100 is built using a multi-factor smart beta approach that's designed to generate better returns. Simply put, the portfolio is tilted to three key factors - growth, low-volatility, large-cap - that have driven and will continue to drive outperformance.

There's another reason why Syfe’s smart beta strategy is so compelling. Based on broader cyclical trends and changing market conditions, we will change the factors you are exposed to over time. If growth stocks - which a lot of tech stocks happen to be - start underperforming, we might tilt the Equity100 portfolio to value stocks instead.

Additionally, Equity100 holds the iShares Core S&P 500 UCITS ETF, which is domiciled in Ireland. This makes it more tax efficient for investors (as compared to a US-domiciled ETF tracking the same S&P 500 index).

For these reasons, Equity100 is a good long-term investment. You can also check out BudgetBabe's review of the portfolio here.​​​

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Chua Wei Yi

Chua Wei Yi

Level 6. Master

Answered on 06 Aug 2020

I would say stashaway 36% because of the high risk you entered. There is lesser gold. Stashaway's algorithm is very good. With the recent pandemic. I am still able to get high returns

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