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Syfe

ETF

Robo-Advisors

Investments

SeedlyTV S2E04

Correct me if I'm wrong but this feels like a ETF with total expense ratio being the annual fee depending on your tier, and effective sales fee of zero? Could their product be interpreted in this way?
Hi Lincoln, our 100% REITs portfolio is similar to an ETF, but much more cost effective. Just to clarify, you actually own units of the REITs we track in this portfolio, not REIT ETFs. The REITs included in the portfolio closely replicate the SGX's iEdge S-REIT 20 index. There is no minimum investment amount, and no entry / exit fees. We have no brokerage charges as well. So you can invest regularly without incurring additional fees for transaction / brokerage costs.
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SeedlyTV S2E04

Syfe

Robo-Advisors

For a 20K investment or more with Syfe. Choosing between the 100% Reits or managed Reits portfolio. Which has better gain when the market picks up to e.g. Feb 2020 level?
Hi there! That's a good question. The 100% REITs will likely have a better gain when markets pick up. The entire portfolio is made up of REITs that track the SGX's iEdge S-REIT 20 index, which in turn measures the performance of the 20 largest REITs in Singapore. Over the past weeks, we have seen a resurgence in REITs. Accordingly, our 100% REIT portfolio has made strong gains. Ultimately, when deciding between 100% REITs or REITs with Risk Management, you should consider your risk tolerance and investing horizon. If you're intending to hold your investments for the long-term, say 10+ years, and you're comfortable with risk, the 100% REIT portfolio could be ideal for wealth creation. But if you feel that you may panic when you see a huge dip in your portfolio (e.g. the March REITs crash), the risk managed option will help you cushion those losses so you have the mental strength to stay invested and enjoy any subsequent recovery that follows. Moreover, when volatility passes, our ARI algorithm will again increase the proportion of REITs in your portfolio. Our article here provides more guidance on how to choose between the two as well. Hope this helps! (less)
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Syfe

Robo-Advisors

COVID-19

Investments

Should I go for Syfe 100% or risk-managed in this current COVID situation?
Hello! That's a good question. When deciding between 100% REIT or REITs with Risk Management, you should consider your risk tolerance and investing horizon. If you're intending to hold your investments for the long-term, say 10+ years, and you're comfortable with risk, the 100% REIT portfolio could be ideal for wealth creation. This is because the S-REIT market has long-term growth potential. Moreover, REITs are currently having a resurgence, so now could be a good time to start investing. But if you feel that you may panic when you see a huge dip in your portfolio (e.g. the March REITs crash), the risk managed option will help you cushion those losses so you have the mental strength to stay invested. Our article here provides more guidance on how to choose between the two as well.
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Robo-Advisors

Promo Codes

Syfe

Investments

Anybody mind sharing their syfe referral code?
Yh.lens
Yh.lens
Level 5. Genius
Answered 13h ago
Here's mine: SRPTH8LK3 First deposit of $500 and we will both recieve $10 :)
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Investments

Robo-Advisors

StashAway

FSM One

MoneyOwl

Regular Shares Savings Plans (RSS/RSP)

ETF

STI ETF

Unit Trust

Stocks Discussion

Syfe

REITs

Property

Thinking of putting $700-$800 monthly into RSPs for DCA. Any advice for my current strategy, and are there any better alternatives for growth and wealth accumulation?
Hi Anon, As Wilson had mentioned, I think you are over stretching to too many platforms. Given your time horizon, I would expose myself to US ETF instead. FSM has IVV and VOO for you to RSP into. On the other hand, I would allocate some to REITs for diversification and dividend income, Syfe REIT+ is fine or you can DIY too. From your answer, I understand your concern on WHT, however this is a pro and con kind of situation. There isn't any platform for you to RSP into Irish-domiciled S&P 500 ETF unless you do it manually. However, do take note how you gonna execute to not encounter unnecessary transaction fee, and if capital and opportunity cost will be an issue. Therefore, weigh the pros and cons and decide what are you most comfortable with. Hope this helps!
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ETF

Investments

Bonds

Stocks Discussion

Online Brokerages

Robo-Advisors

Syfe

REITs

Property

If my investment portfolio consists of mainly ETFs, do I still need to add bonds, since stocks ETFs are considered a relatively less risky form of equities?
Hi Anon, Tough question, but I guess the purpose of adding bonds is because of its stabilising effect on the portfolio as they are less prone to drawdown during a recession. Diversification is good, but we have to also take note of the correlation between the vehicles. Hence, it's all back to your risk tolerance again. Considering a moderate risk, even though you are investing in ETFs already, you can still have a small portion of bonds in your portfolio. But if you ask me at a age of 35, I will limit my bond portion and still go aggressive with equities. Hope this helps!
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REITs

Syfe

COVID-19

Stocks Discussion

Online Brokerages

Property

I’m on Syfe REITS+ now. Worried that post-COVID, as more people WFH and with more e-commerce, it may affect the value of S-Reits. What are your thoughts? Should I continue with my S-Reits investment?
DC
d c
Level 3. Wonderkid
Answered 4d ago
I'm also investing in SYFE right now! My take would be, yes continue! This is so as there would still be people buying from actual shops, and dining with their friends at malls. This is something that cannot be replaced virtually. People would still continue purchasing food from the shops located in a mall, so no worries. Furthermore, SYFE's REITS+ also consists of REITs in the Industrial/Logistics sector. These 2 sectors will not disappear post-covid. Plus, REITs such as those from Starhill and Mapletree (which are included in the SYFE portfolio) have been doing well during this covid period. As long as you're holding it in the long-term, you will see returns! Time in the market > Timing the market
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Syfe

Robo-Advisors

Investments

REITs

Stocks Discussion

Online Brokerages

Can anyone explain to me more about the IEdge S-REIT 20 Index?
Hi there! Perhaps I can share more about the Syfe REIT+ portfolio. The portfolio invests in Singapore REITs, and tracks the SGX's iEdge S-REIT 20 index, which measures the performance of the 20 largest and most tradeable REITs in Singapore. You can choose the 100% REITs option or the REITs with Risk Management option. We have written an article here that can help you decide which is right for you: https://www.syfe.com/magazine/boost-your-dividend-income-with-the-new-syfe-reit-portfolio/ If you are looking to dollar cost average, the REIT+ portfolio is also more cost efficient. It has no minimum investment and you can make monthly transfers without incurring any brokerage fees. If you are keen to invest in the REIT+ portfolio, there's also a sign-up promotion you can use.
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Syfe

Robo-Advisors

Investments

In light of the HFCAA legislation, will it have an impact on Syfe's strategy?
Eliezer
Eliezer
Top Contributor

Top Contributor (May)

Level 6. Master
Answered 1w ago
Hi there! The HFCAA legislation will not have any impact on Syfe's investment strategy. Firstly, we do not currently invest in individual stocks; and secondly, the ETFs that we invest in are broad stock market index ETFs or equity sector ETFs which are predominantly comprised of non-Chinese stocks. In fact, the ETFs in our Global Portfolios are diversified across 57 countries. They are also diversified across multiple asset classes (equities, bonds, gold) and sectors. Hope this clarifies!
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Syfe

Robo-Advisors

Dividends

Investments

Are dividends paid monthly for Syfe?
SW
Shaun WQ Lim
Level 7. Grand Master
Answered 2w ago
The dividends are paid when the underlying REITs pays out the dividends to Syfe. There are some REITs that have switches to a semi-annual payout schedule while others are on quarterly payout schedules. So the timing will vary. Only in overseas markets, are there REITs that pay out dividends monthly. Also for Syfe, the dividends are reinvested automatically in the portfolio. When your total investment reaches $20,000 and above, there is an option for the dividends to be paid out in cash. But it is recommended to continue reinvestment for compounding effect.
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