Personally tried both Syfe and Stashaway.You can check out an article I wrote here comparing the 2 robos. If you want an honest opinion, here it is: In terms of fees, Syfe will be CHEAPER if you have less than 20k to invest. Stashaway fees are stuck at 0.8% until you invest more than 25k. Even so it will be 0.7% (excluding ETF expense ratio) So if you are a beginner with only a few hundred or few thousands to invest, Syfe will be the cheaper option. In terms of returns, I have an excel sheet of the returns from Stashaway's every risk index and on average it is around 7% returns YTD. As for Syfe, if you invest into Global ARI, you are going to get similar returns as Stashaway since both utilises a downside risk protection method to hedge against risk. It's pretty much plain vanilla "Modern Portfolio Theory" at play, so returns won't be the best(compared to full equities) but you won't crash like mad like the stock market (But you will still crash just not as much) If you invest into Syfe Equity100, you will be sitting on 15% YTD if this portfolio started in Janurary, but of course the caveat here is you will be feeling the price fluctuations from the stock market due to systematic risk of equities. So it is a matter of how much risk you are willing to take and how long your time horizon is. If you want high returns you have to forgo some safety, and if you want safety you have to forgo higher returns potential. It's really give or take. But in essence, if you can withstand risk and treat it as a form of "forced savings" for 10 years, picking something that has a higher weightage of EQUITIES will give you the highest return, because stocks uptrends in the long run and will absolutely destroy any other asset class if you hold it long enough. So my question to you is: Do you know your time horizon? What is your investment goal? Answering this will allow you to decide which portfolio is most suitable for you. For me it's simple, since my time horizon is long term (10 years )and being a 21 years old, Syfe Equity100 will make the most sense since it will give you the highest risk adjusted returns. This ain't rocket science, because a 100% equities portfolio will ALWAYS beat a diversified asset class portfolio (stock/bonds/commodities etc) in the LONG RUN. If you wish to find out more, you can click on my link and my review of Syfe here and the newly launched Equity100 here.