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Anonymous

Asked on 05 Aug 2020

Which Syfe portfolio to choose and invest?

I want to deposit $1k inside. — looking for the best returns yet not so high risk etc

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Gordon Lim
Gordon Lim
Level 5. Genius
Answered on 05 Aug 2020

I think the portfolios have very obvious different objectives leh.

What’s your time horizon? If you can go beyond 10 years. Look at their equity100 portfolio. Anything below, perhaps look at their GlobalARI which allows you to set your downside risk and change up your composition of bonds and equities.

If you want dividend investing: Getting dividends quarterly with some capital appreciation, you can look at the REIT+ portfolio. I feel this one should be minimum 5 years. Though longer of course is better.

And just to set expectations: if you are looking for bigger returns then be prepared to take bigger risks. This also entails more volatility which you must be able to stomach and not sell out early.

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Question Poster

05 Aug 2020

Why can’t take out the $ after a year ?
Gordon Lim
Gordon Lim

05 Aug 2020

Hi Anon, this has been discussed here: http://seedly.sg/questions/i-have-invested-some-money-in-dbs-digiportfolio-syfe-and-stashaway-and-there-are-some-profits-i-would-like-to-know-if-i-withdraw-these-earnings-out-will-it-affect-my-current-portfolio-what-s-the-impact-i-m-looking-at?utm_source=app&utm_source=question_share&utm_medium=internal
Thank You!
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Yh.lens
Yh.lens, Writer at Investing Beanstock
Level 6. Master
Answered on 11 Aug 2020

Hello! Congrats on starting your investment journey! Starting is always the hardest so it is great that you have decided to do so via Syfe.

I have written a review on Syfe here as well as a review on the Equity100 portfolio here to find out more information on Syfe. Do check it out and let me know if you were able to make a decision! Cheers

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Eliezer
Eliezer, Content & Community Lead at Syfe
Level 6. Master
Answered on 11 Aug 2020

Hi anon, which Syfe portfolio to choose will depend on your risk appetite, investment goals, and time horizon. If you are comfortable with risk and have a relatively long time horizon of more than 5 years, you can consider either Equity100 or REIT+. With Equity100, you may enjoy faster and higher capital appreciation. With REIT+, capital appreciation may not be as fast, but you enjoy attractive dividend yields.

A good strategy to consider is a core-satellite investing approach. Use Syfe's Global ARI portfolio as your core, and use Equity100 and REIT+ as your satellites. You can split your funds this way - 50% in Global ARI, 30% in REIT+, and 20% in Equity100. BudgetBabe shares more details in her review here.

You can also reach out to our wealth advisors to learn how a core-satellite approach can apply for your own portfolio. Hope this helps!

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Can you clarify
I wonder if
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What about
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