Syfe Reviews and Comparison - Seedly
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  • Low management fee - 0.65% p.a. and interesting risk-based approach. Started an account when they just launched, and deposited more with their promo ($10 incentives every $1k deposit). So far the portfolio's doing well
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Investments

Robo-Advisors

Syfe

Hi Kaiyang, thanks for your question and allow me to elaborate further on how Syfe helps investors manage their portfolio risk. If my years as a portfolio and ETF trader at UBS have taught me one thing, is that returns cannot be predicted, but risk can be managed. Hence at Syfe, we use percentages (e.g. 17% Downside Risk) to label our different portfolios rather than describe them with vague terms such as “conservative” or “aggressive”. This is so investors know right from the start, the level of risk they are taking on. The point to note is that this is not an amount you will lose, but rather we endeavour to define a possible loss level with a 97.5% probability. In other words, a 17% Downside Risk portfolio means that in the next 39 out of 40 years, the portfolio should not lose more than 17% of its value in a given year. In the event where the portfolio threatens to exceed this potential risk of loss, such as during a recession, your portfolio is automatically rebalanced to ensure your portfolio risk remains within your chosen downside risk level. This gives you better risk-adjusted returns, no matter what market conditions may be. You may read more about our Automated Risk-managed Investments (ARI) methodology here. A quick example of how ARI works is this. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. This ensures your portfolio risk stays aligned to your desired risk level. Conversely, during periods of market calm, ARI will adjust your portfolio allocation to allocate more to higher-risk assets, so your overall portfolio risk is kept in line with your desired risk exposure, but you can capture the market upside as well. And while past performance is not a guarantee of future results, you can try out our portfolio forecast to estimate your returns. First, complete Syfe’s risk assessment. Based on the Downside Risk you’ve selected, you can change your inputs for your lump sum investment / monthly investment amounts and timeframe to forecast how much your portfolio can grow to. If you have more questions, please feel free to drop us a email at [email protected]

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Robo-Advisors

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Retirement

Savings

Syfe

Hi Darren, My name is Dhruv Arora, and I’m the founder and CEO of Syfe. Thanks for your interest in finding out more about Syfe. My experience as both an investment banker and then a consumer technology expert was a building block at Syfe - we always wanted to bring the best of financial services to the masses. Syfe is built for all investors, whether you are new to investing or a seasoned investor. And we have. Your process starts with understanding your correct risk appetite through our robust yet straightforward Risk Profiler (for free). That is when the real magic begins. Our proprietary Automated Risk-managed Investments methodology (ARI) will allocate assets which have shown the best return for your risk profile. But more importantly, it continually monitors your portfolio. During periods where higher market volatility has been forecasted, ARI will adjust your portfolio allocation and reduce your exposure to higher-risk asset classes. This ensures your portfolio risk stays aligned to your desired risk level. Conversely, during periods of market calm, ARI will adjust your portfolio allocation to allocate more to higher-risk assets, so your overall portfolio risk is kept in line with your desired risk exposure, but you can capture the market upside as well. The result is that ARI helps you achieve benchmark-beating returns by maintaining your desired risk level, no matter what market conditions maybe, just as a real wealth manager should do for you, round the clock. For more details on ARI, you can also check out our investment methodology paper here. I hope this helps. Do not hesitate to reach out should you have any other queries. Happy investing.
About Syfe
OperationsCapital Markets Services Licence (CMS100837)
MethodologyGlobally diversified ETF portfolios (from BlackRock, Vanguard and State Street) built based on investors’ risk profiles and continually risk-managed to keep portfolio risk in line with an investor’s chosen Downside Risk level.
FeesSimple, all-inclusive fee of 0.65% p.a, prorated only to the duration used.
MinimumNo minimum investment, no entry fees, no withdrawal fees

About Syfe


Syfe is the digital wealth manager for investors who expect more – greater transparency, smarter portfolios, and better returns at a lower risk. Regulated by the MAS under a Capital Markets Services License, Syfe combines leading investment strategies with cutting-edge technology to offer retail investors wealth solutions typically reserved for the ultra-rich.
Each portfolio is invested in quality, low-cost Exchange-traded Funds (ETFs) globally diversified across assets, geography and sectors. Funds are invested in the world’s largest investment funds, including BlackRock, Vanguard and State Street.

Our Investment Strategy

Syfe’s investment philosophy is defined by our proprietary Automated Risk-managed Investments strategy (ARI). If the team’s combined finance and investment experience of over 100 years has taught us one thing, it is that returns cannot be accurately predicted, but the risk can be managed. Based on your risk assessment, ARI builds you a personalised investment portfolio, allocating assets which have shown the best return for your risk profile. By maintaining your desired risk level across all market conditions, ARI helps you achieve better returns at a lower risk.

  • During periods where higher market volatility has been forecasted, ARI will rebalance your portfolio allocation and reduce your exposure to higher-risk asset classes. This ensures your portfolio risk stays aligned to your desired risk level.
  • During periods of market calm, ARI will adjust your portfolio allocation to allocate more to higher-risk assets. Your overall portfolio risk is still kept in line with your desired risk exposure, but you capture the market upside as well. To find out more, please download our investment white paper here.

How To Get Started

Investor Risk Profiling

  • Complete a risk questionnaire to understand your ideal risk level
  • Go with our recommended risk level or select your own
  • Confirm your portfolio and set up your Syfe account
  • Submit your identity documents for verification by uploading them online or through MyInfo for faster approval Portfolio Activation
  • To fund your portfolio, you may transfer funds through FAST / PayNow
  • For transfers in USD, you may do so through Telegraphic Transfers or using platforms such as Transferwise.
  • Your funds will be invested in your portfolio within 1 - 2 business days
  • You can transfer funds to your Syfe account and withdraw anytime at no extra charge

Good To Know

  • The minimum age to open an account with Syfe is 18 years old
  • Your Syfe account can be funded in both SGD and USD
  • Syfe does not charge you brokerage fees. There are no entry or exit fees and no hidden charges.

For more information, please visit Syfe’s FAQ page here.

Contact Syfe

  • General line: +65 3138 1215
  • Email: [email protected]
  • Address: 10th Floor, UIC Building, 5 Shenton Way, Singapore 068808