Syfe Review Singapore: The Ultimate Guide to Investing with Syfe

Are you looking for a robo-advisor that can help you invest your money in Singapore? Look no further because this Syfe Review Singapore will divulge all the facts you need about Syfe! This digital wealth management platform is regulated by the Monetary Authority of Singapore and offers a range of investment options to suit different investor profiles.

Syfe’s core portfolios are designed to provide a diversified investment strategy that is easy to understand and manage. These portfolios are based on different risk levels, ranging from conservative to aggressive, and include a mix of asset classes such as equities, bonds, and commodities. Syfe also offers specialty portfolios that focus on specific investment themes, such as technology or environmental sustainability.

One of the unique features of Syfe is its Select Custom Portfolios, which allow investors to create their own personalised portfolios based on their investment goals and risk appetite. Additionally, Syfe’s fees are transparent and competitive, with no hidden charges or lock-in periods. In this article, we will take a closer look at Syfe and explore its various investment options, features, and fees.

Key Takeaways

Syfe is a regulated robo-advisor in Singapore that offers a range of investment options to suit different investor profiles.
Syfe’s core portfolios provide a diversified investment strategy based on different risk levels and asset classes.
Syfe’s unique features include Select Custom Portfolios and transparent, competitive fees.

Syfe Review Singapore: What Is It?

If you’re looking for a new way to invest your money in Singapore, you may have heard about Syfe. Syfe is a robo-advisor that uses technology to help you invest your money in a way that suits your needs and goals. In this section, we’ll give you an overview of what Syfe is and how it works.

The Syfe Platform

Syfe is a digital wealth manager that aims to make investing accessible to everyone in Singapore. It was founded in 2017 by a team of financial experts and technologists who wanted to create a platform that was easy to use and affordable. Syfe’s platform is designed to be user-friendly, with a clean and intuitive interface that makes it easy to navigate.

One of the key features of Syfe’s platform is its use of technology. Syfe uses algorithms and machine learning to analyse your investment goals and risk tolerance and recommend a portfolio that suits your needs. This means that you don’t need to have any investment experience to get started with Syfe – the platform will do all the hard work for you.

Syfe’s Investment Philosophy

Syfe’s investment philosophy is based on the principles of diversification, long-term investing and low-cost investing. Syfe believes that diversification is key to reducing risk and maximising returns. To achieve this, Syfe invests your money in a range of assets, including stocks, bonds and ETFs. This helps to spread your risk and ensure that your portfolio is well-balanced.

Syfe also believes in the importance of long-term investing. The platform is designed to help you invest your money for the long term, with a focus on achieving your goals over time. This means that Syfe’s investment strategies are designed to be sustainable and to deliver returns over the long term.

Finally, Syfe is committed to low-cost investing. The platform uses a passive investment strategy, which means that it invests your money in low-cost index funds. This helps to keep costs low and maximise your returns over time.

In summary, Syfe is a robo-advisor that uses technology to help you invest your money in a way that suits your needs and goals. The platform is designed to be user-friendly and accessible to everyone in Singapore. Syfe’s investment philosophy is based on the principles of diversification, long-term investing and low-cost investing.

Syfe Review Singapore: Core Portfolios

If you are looking for a diversified portfolio of low-cost exchange-traded funds (ETFs) across multiple asset classes, then Syfe’s Core portfolio is the perfect option for you. Syfe offers three Core portfolios – Core Growth, Core Balanced, and Core Defensive. Each of these portfolios is designed to cater to different investor risk appetites and investment horizons.

Core Growth

If you are a growth-oriented investor with a longer time horizon, then Core Growth is the perfect option for you. This portfolio has a higher risk level and is designed to provide higher returns over an extended period. As of 31 May 2023, the approximate asset allocation for Core Growth would be 68.4% equities, 25.7% bonds, and 5.9% commodities.

Core Balanced

If you are a moderate investor with a mid-to-long-term horizon, then Core Balanced is the perfect option for you. This portfolio is designed to provide a balance between risk and return. As of 31 May 2023, the approximate asset allocation for Core Balanced would be 50.6% equities, 43.0% bonds, and 6.4% commodities.

Core Defensive

If you are a conservative investor, then Core Defensive is the perfect option for you. This portfolio is designed to provide a low-risk investment option. As of 31 May 2023, the approximate asset allocation for Core Defensive would be 30.8% equities, 66.2% bonds, and 3.0% commodities.

Syfe’s Core portfolios are designed with risk management and diversification in mind. The portfolios are diversified across multiple asset classes, including stocks, bonds, and commodities. This diversification helps to reduce risk and ensure that your investment is not overly exposed to any single asset class.

Overall, Syfe’s Core portfolios offer a great investment option for investors of all risk appetites and investment horizons. With low-cost ETFs and a passive investment strategy, Syfe’s Core portfolios are a great way to invest in the stock market without having to worry about picking individual stocks.

Syfe Review Singapore: Specialty Portfolios

If you’re looking for a robo-advisor that offers more than just the usual investment options, Syfe might be the right choice for you. Syfe offers a range of specialty portfolios that cater to specific investment objectives and preferences. Here are some of Syfe’s most popular specialty portfolios:

REIT+ Portfolios

Syfe’s REIT+ portfolios are designed for investors who want to invest in real estate investment trusts (REITs). These portfolios invest in a diversified basket of REITs, which gives investors exposure to the real estate market without the hassle of owning physical property. Syfe’s REIT+ portfolios are available in three risk levels – REIT+ 10, REIT+ 20, and REIT+ 100 – which correspond to the percentage of the portfolio invested in REITs. For example, the REIT+ 100 portfolio is 100% invested in REITs, while the REIT+ 10 portfolio is only 10% invested in REITs.

Equity100

Syfe’s Equity100 portfolio is designed for investors who want to invest in equities. This portfolio is 100% invested in global equities, which gives investors exposure to the stock market. The portfolio is diversified across different sectors and regions, which helps to reduce risk. Syfe’s Equity100 portfolio is suitable for investors who have a high risk tolerance and a long-term investment horizon.

Global Income

Syfe’s Global Income portfolio is designed for investors who want to generate income from their investments. This portfolio invests in a diversified basket of bonds and dividend-paying stocks, which gives investors exposure to both fixed income and equities. The portfolio is available in three risk levels – Global Income 10, Global Income 20, and Global Income 100 – which correspond to the percentage of the portfolio invested in bonds. For example, the Global Income 100 portfolio is 100% invested in bonds, while the Global Income 10 portfolio is only 10% invested in bonds.

Syfe’s specialty portfolios are a great way to diversify your investment portfolio and achieve your investment goals. Whether you’re interested in REITs, equities, or fixed income, Syfe has a portfolio that’s right for you. With low management fees and no minimum investment, Syfe is an accessible robo-advisor for beginners with limited cash.

Syfe Review Singapore: Select Custom Portfolios

If you’re looking for a more hands-on approach to investing, Syfe Select Custom is the perfect option for you. With Select Custom, you can build your own custom portfolios from a curated list of over 100 best-in-class ETFs.

Select Themes

Syfe Select Custom has a wide range of themes to choose from, including Disruptive Technology, Healthcare Innovation, Clean Energy, and ESG. Each theme is designed to help you invest in companies that align with your values and interests.

Thematic Portfolios

In addition to the pre-built themes, Syfe Select Custom also allows you to build your own thematic portfolios. This means you can choose the specific ETFs that you want to invest in, based on your own research and analysis.

With Syfe Select Custom, you have the freedom to choose up to eight ETFs and adjust their weightages accordingly. This gives you complete control over your investment portfolio, allowing you to tailor it to your own unique investment goals and risk tolerance.

Overall, Syfe Select Custom is a great option for those who want to take a more active role in their investments. With a wide range of themes and the ability to build your own custom portfolios, Syfe Select Custom gives you the flexibility and control you need to achieve your investment goals.

Syfe Review Singapore: Investment Options and Asset Classes

If you’re looking to start investing with Syfe, you’ll be pleased to know that they offer a range of investment options across various asset classes. Here’s a breakdown of the different asset classes and investment options available to you:

ETFs and REITs

Syfe offers a range of Exchange-Traded Funds (ETFs) across various sectors and asset classes. ETFs are a popular investment option as they offer diversification and low fees. Syfe also offers a REIT+ portfolio, which invests in Real Estate Investment Trusts (REITs) and government bonds. REITs are a great way to invest in real estate without having to buy physical property.

Bonds and Equities

Syfe’s Core portfolio is made up of a mix of bonds and equities. The bond component helps to reduce overall portfolio risk, while the equity component provides potential for growth. The Equity100 portfolio is a more aggressive option, with 100% equity exposure.

Commodities and Gold

Syfe also offers a Gold portfolio, which invests in physical gold. Gold is often seen as a safe-haven asset, and can provide a hedge against inflation. Additionally, Syfe offers a Commodities+ portfolio, which invests in a range of commodities such as oil, metals, and agriculture.

Overall, Syfe offers a range of investment options across various asset classes. Whether you’re looking for a conservative or aggressive portfolio, or want to invest in a specific asset class, Syfe has an option for you.

Syfe Review Singapore: Unique Features

Syfe is a robo-advisor platform that offers several unique features that make it stand out from other investment platforms. In this section, we will discuss Syfe’s ARI algorithm, Syfe Cash+, and Syfe Trade.

ARI Algorithm

Syfe’s Automated Risk-Management Investment (ARI) algorithm is a unique investment strategy that uses a combination of risk management techniques and automated rebalancing to help you achieve your investment goals. The ARI algorithm is designed to help you achieve better returns while minimizing your risk exposure.

The ARI algorithm is based on a proprietary investment strategy that uses a combination of asset allocation, diversification, and risk management techniques to optimize your portfolio. The algorithm automatically rebalances your portfolio to ensure that your investments are always aligned with your investment goals.

Syfe Cash+

Syfe Cash+ is a cash management account that offers a higher interest rate than traditional savings accounts. With Syfe Cash+, you can earn up to 1.5% p.a. on your savings, which is significantly higher than the interest rates offered by most banks.

Syfe Cash+ is designed to help you save money and earn higher returns on your savings. The account is easy to set up and offers hassle-free withdrawals, so you can access your money whenever you need it.

Syfe Trade

Syfe Trade is a low-cost, MAS-regulated brokerage service that allows you to buy and sell U.S. stocks and ETFs. With Syfe Trade, you can invest directly in stocks and ETFs on your own, in addition to investing in Syfe’s portfolios.

Syfe Trade is designed to help you diversify your portfolio and take advantage of opportunities in the U.S. stock market. The platform is easy to use, and you can trade stocks and ETFs with low commissions and no hidden fees.

In summary, Syfe’s ARI algorithm, Syfe Cash+, and Syfe Trade are some of the unique features that make Syfe stand out from other investment platforms. These features are designed to help you achieve your investment goals, save money, and earn higher returns on your investments.

Syfe Review Singapore: Understanding the Fees

Investing with Syfe is affordable, and the fees charged are quite competitive in the robo-advisory industry.

Management Fee

Syfe charges a management fee that ranges from 0.4% to 0.65%, depending on the investment amount. The fee is inclusive of all trading costs and rebalancing fees. The management fee is charged annually, and it is calculated based on the average daily balance of your portfolio.

Syfe’s management fee is lower than many of its competitors in the robo-advisory space. For instance, StashAway charges a management fee of 0.2% to 0.8%, while Kristal.AI charges a management fee of 0.3% to 0.5%.

Comparative Charges

Syfe’s fees are quite affordable, especially for investors who are just starting. Unlike other conventional investment platforms, Syfe does not charge any withdrawal or deposit fees. Additionally, there are no hidden fees, and the platform is transparent about its charges.

Compared to other robo-advisors in Singapore, Syfe’s fees are quite competitive. For example, AutoWealth charges a management fee of 0.5% per annum, while Endowus charges a management fee of 0.4% to 0.6% per annum.

Overall, Syfe’s fees are affordable and competitive. The platform’s management fee is lower than many of its competitors, making it an attractive option for investors who are looking for affordable fees.

Syfe Review Singapore: Investment Strategies

Investing can be a great way to grow your wealth over time, but it can also be risky. That’s why it’s important to have a solid investment strategy in place. Syfe offers a range of investment strategies to suit different risk appetites and goals. In this section, we’ll take a look at two important aspects of investing: diversification and risk, as well as market volatility and returns.

Diversification and Risk

Diversification is a key part of any investment strategy. By spreading your investments across multiple assets, you can reduce your risk and protect your portfolio from market volatility. Syfe offers a range of investment portfolios that are designed to be diversified, including their Core, REIT+, Equity100, and Global ARI portfolios.

Each of these portfolios is made up of a mix of different asset classes, such as equities, bonds, and real estate investment trusts (REITs). By investing in a mix of different assets, you can reduce your overall risk and potentially increase your returns over the long term.

Market Volatility and Returns

Market volatility is a natural part of investing, but it can be unsettling for some investors. Syfe’s investment strategies are designed to help you navigate market volatility and achieve strong risk-adjusted returns over the long term.

One way that Syfe achieves this is by using a proprietary investment methodology called Automated Risk-managed Investing (ARI). This methodology is designed to help you achieve your investment goals while keeping risk levels in check.

Another way that Syfe helps you manage market volatility is by offering a range of different investment portfolios. Each portfolio is designed to suit different risk appetites and investment goals, so you can choose the one that’s right for you.

In summary, Syfe offers a range of investment strategies that are designed to help you achieve your investment goals while managing risk and navigating market volatility. By diversifying your investments and choosing the right portfolio for your risk appetite, you can potentially achieve strong risk-adjusted returns over the long term.

Syfe Review Singapore: Regulation and Security

If you are looking for a trustworthy investment platform, you will be pleased to know that Syfe is regulated by the Monetary Authority of Singapore (MAS). This regulatory body ensures that Syfe operates under the best practices and guidelines set by the Singaporean authorities.

Monetary Authority of Singapore

Syfe is registered with the Monetary Authority of Singapore (MAS) under the CMS License No (CMS100837). This requires it to adhere to strict rules and regulations for customer data protection, security, and investment management. MAS regulates all financial institutions in Singapore, including banks, insurance companies, and investment firms, to ensure that they comply with the relevant laws and regulations.

Investor Protection

Syfe takes the security of funds seriously. All users’ funds in Syfe account are held in a Trust Account in accordance with the Securities and Futures Act (SFA). This means that your funds are segregated from Syfe’s own funds and are protected in the event of Syfe’s insolvency. In addition, Syfe uses bank-level security measures to protect your personal and financial information.

Moreover, Syfe provides investor protection with its partnership with DBS Bank. It offers a digital insurance product called “Syfe Cash+” that provides coverage of up to SGD 75,000 in the event of fraud or errors. This insurance product is provided by Chubb Insurance Singapore Limited, a reputable insurance provider in Singapore.

In conclusion, Syfe is a safe and regulated investment platform that takes the security of your funds seriously. With its partnership with DBS Bank and Chubb Insurance Singapore Limited, you can be assured that your investments are protected.

Syfe Review Singapore: Comparing Syfe with Competitors

If you are considering investing with a robo-advisor, you might be wondering how Syfe compares to its competitors. Here, we take a look at three other popular robo-advisors in Singapore: Stashaway, Endowus, and AutoWealth.

Stashaway

Stashaway is another robo-advisor that offers customisable portfolios based on your risk profile. Like Syfe, Stashaway also invests in ETFs, but it does not offer access to individual stocks. One advantage of Stashaway is that it offers a lower minimum investment amount of just $1, compared to Syfe’s $500 minimum. However, Syfe’s fees are generally lower than Stashaway’s.

Endowus

Endowus is a robo-advisor that offers access to actively managed funds from UBS and Dimensional Fund Advisors (DFA). While Syfe and Stashaway invest primarily in ETFs, Endowus offers a wider range of investment options. However, Endowus has a higher minimum investment amount of $10,000 compared to Syfe’s $500 minimum. Endowus also charges higher fees than Syfe.

AutoWealth

AutoWealth is a robo-advisor that invests primarily in ETFs, similar to Syfe and Stashaway. One advantage of AutoWealth is that it charges lower fees than both Syfe and Stashaway. However, AutoWealth has a higher minimum investment amount of $3,000 compared to Syfe’s $500 minimum. AutoWealth also does not offer access to individual stocks, unlike Syfe.

Overall, Syfe offers a good balance of low fees and customisable portfolios. While other robo-advisors may offer more investment options or lower minimum investment amounts, Syfe stands out for its accessibility and competitive fees.

Syfe Review Singapore: Getting Started

If you’re new to investing, Syfe is a great platform to start with. It’s a robo-advisor that offers a range of investment portfolios to suit different risk appetites. Here’s how to get started with Syfe.

Minimum Investment Amounts

One of the best things about Syfe is that there is no minimum investment amount. This means that you can start investing with as little as you want. This is great news for those who are just starting out with investing and don’t have a lot of money to spare.

However, if you want to take advantage of some of Syfe’s more advanced features, such as tax-loss harvesting or investing in individual stocks, you will need to have a larger investment amount. For example, to use Syfe’s Equity100 portfolio, you will need to have a minimum investment of $10,000.

Opening an Account

Opening an account with Syfe is straightforward and can be done entirely online. Here are the steps you need to follow:

Go to the Syfe website and click on the “Get started” button.
Fill in your personal details, including your name, email address, and phone number.
Choose the portfolio that best suits your investment goals and risk appetite.
Link your bank account to your Syfe account so that you can fund your investments.
Verify your identity by uploading a copy of your ID card or passport.
Review and confirm your investment details before submitting your application.

Once your application has been approved, you can start investing with Syfe. Syfe offers a range of investment portfolios, including Equity100, REIT+, and Global ARI. Each portfolio is designed to suit different investment goals and risk appetites.

Overall, Syfe is a great platform for those who are new to investing or who want a simple and hassle-free way to invest their money. With no minimum investment amount and a range of investment portfolios to choose from, Syfe is a great way to start building your investment portfolio.

Syfe Review Singapore: Different Investor Profiles

If you’re looking for a robo-advisory platform in Singapore that caters to different investment profiles, Syfe is an excellent choice. The platform offers a range of portfolios that are tailored to different investor profiles, from conservative to aggressive strategies.

Conservative to Aggressive Strategies

Syfe’s Core portfolio is designed for conservative investors who prefer a low-risk investment strategy. The portfolio invests in global bonds and equities, with a focus on high-quality, low-volatility assets. The portfolio is suitable for investors who are looking for a stable, long-term investment strategy.

On the other hand, Syfe’s Equity100 portfolio is designed for aggressive investors who are comfortable with high-risk investments. The portfolio invests in a diversified range of global equities, with a focus on high-growth companies. The portfolio is suitable for investors who are looking for high returns and are willing to tolerate higher volatility.

Tailoring to Risk Appetite

Syfe allows you to tailor your portfolio to your risk appetite. The platform uses a risk assessment questionnaire to determine your risk tolerance and recommend a portfolio that is suitable for you. This means that you can invest in a portfolio that aligns with your investment goals and risk tolerance.

One of the unique features of Syfe is that it offers a range of portfolios that cater to specific investment objectives and preferences. For example, the REIT+ portfolio is designed for investors who are looking for exposure to Singapore’s real estate investment trusts (REITs). The portfolio invests in a diversified range of REITs, with a focus on high-quality assets.

Overall, Syfe is an excellent choice for investors who are looking for a robo-advisory platform that offers a range of portfolios to suit different investment profiles. The platform offers a range of portfolios that cater to conservative to aggressive strategies, and allows you to tailor your portfolio to your risk appetite. With low fees and no minimum investment, Syfe is a great option for investors who are just starting out.

Frequently Asked Questions

What’s the buzz about Syfe’s Cash+ Guaranteed returns?

Syfe’s Cash+ portfolio is a popular option among investors who are looking for a low-risk investment with guaranteed returns. The portfolio is designed to provide a higher interest rate than a typical savings account, while still maintaining a high level of liquidity. With the Cash+ portfolio, you can enjoy returns of up to 1.75% per annum, which is significantly higher than most savings accounts in Singapore.

Who’s at the helm of Syfe, stirring up the investment waters?

Syfe was founded by Dhruv Arora, a former investment banker with experience at UBS and Citigroup. He is joined by a team of experienced professionals from the finance and technology industries, all of whom are committed to making investing more accessible and affordable for everyone.

How do Syfe’s fees stack up against the competition?

Syfe’s fees are highly competitive when compared to other robo-advisors in Singapore. The platform charges a management fee of just 0.4% per annum for its Equity100 portfolio, which is significantly lower than the industry average.

Additionally, Syfe does not charge any performance fees, account opening fees, or account closing fees.

Can Syfe’s REIT+ really amplify your property investment game?

Syfe’s REIT+ portfolio is designed to provide investors with exposure to high-quality real estate investment trusts (REITs) in Singapore and around the world. With REIT+, you can enjoy a diversified portfolio of REITs that offer high dividend yields and potential capital appreciation.

The portfolio is also designed to be tax-efficient, with dividends being taxed at a lower rate than other types of income.

How does Syfe’s Equity 100 plan measure up for eager investors?

Syfe’s Equity100 portfolio is designed for investors who are looking for long-term growth and are willing to take on higher levels of risk. With Equity100, you can enjoy exposure to a diversified portfolio of global equities, including large-cap, mid-cap, and small-cap stocks.