Financial News and Advice in Singapore

How Syfe Adapts To Any Investment Portfolio In 5 Ways

|Posted by | Investing, Retirement Planning
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Robo-advisor Syfe has a variety of portfolios you can invest in, from their spanking new Core portfolios to fuss-free cash management solution Cash+. Here’s how each one can complement your existing assets and grow your wealth quicker.

Investing has become exponentially easier thanks to the rapid advancement in technology. Long gone is the tedious process of calling up your stock broker just to make a single trade. Now, all it takes to invest in your favourite asset are just a few taps or clicks on your favourite online brokerage platform. 

How’s that for convenience?

The advent of robo-advisors has brought this ease of use to the next level. They’ve been taking the world by storm ever since their introduction in 2008, allowing even the busiest professionals to grow their wealth while they focus on climbing the career ladder. And despite the moniker, robo-advisors actually utilise algorithms created by a team of human experts to craft portfolios that their clients can invest in.

On the local front, digital wealth manager Syfe might just have the widest variety of investment portfolios that you can put your money in. Whether it’s an alternative to the high-yield savings accounts of old, a REIT-based solution, or a globally diversified portfolio, Syfe has you covered. 

Introducing the brand new Core portfolio

Who’s this suitable for?Underlying assetsReturns
Investors who require easy access to multiple asset classes and global diversificationStock ETFs
– iShares Core S&P 500 UCITS ETF
– KraneShares CSI China Internet ETF
– iShares MSCI China ETF
– Invesco QQQ Trust Series1
+ 8 more Stock ETFs

Bond ETFs
– iShares Core U.S. Aggregate Bond ETF
– iShares 7-10 Year Treasury Bond ETF
+ 3 more Bond ETFs

Gold ETFs
– SPDR Gold Shares
5-year annualised return: 7.34% (Defensive)

5-year annualised return: 10.29% (Balanced)

5-year annualised return: 13.15% (Growth)

Core is the new kid on the block, with 18 ETFs across stocks, bonds, and gold. It’s designed to maximise long-term risk adjusted returns, no matter your investment style.

One unique feature of Core is how it combines the Smart Beta strategy in Syfe’s Equity100 portfolio with increased exposure to the burgeoning Chinese market and booming tech industry. This not only positions Core for a changing world order, but also provides stellar returns.

Customisation is simple and straightforward too, with Core featuring three distinct portfolios for investors to choose from. These are:

Source: Syfe

Defensive

A low-risk solution for investors who prefer stable returns. It contains mostly high-quality bond ETFs, with gold and stock ETFs to round things out.

Balanced

A medium-risk solution for investors who want moderate long-term growth and an easier way to diversify. It contains a balanced number of ETFs from stocks, bonds, and gold, granting you instant access to 3,500 of the world’s best companies.

Growth

A higher-risk solution for investors who can withstand market volatility and wish to maximise their returns over time. This portfolio contains stock ETFs for the most part, with bond and gold ETFs making up the rest of it.

The beauty of Core is that you are not limited to just one of the three portfolios. You’re free to invest based on what your current (and future) goals are. For instance, if you’re saving up for a house downpayment in the next two or three years, Core Defensive may be a good consideration. 

Find out more about which Syfe portfolio would be best for you to invest in based on your personal goals.

What are the differences between Core and Global ARI?

At first glance, Core and Global ARI may appear to be identical, but there are key differences that set these two products apart. Firstly, Core aims to maximise risk-adjusted returns whereas Global ARI’s focus is on risk management. For a more in-depth explanation, find out more about the difference between Syfe Core and Syfe Global ARI here.

Secondly, the number of underlying assets they have is different, along with the level of customisation afforded. 

With 11 risk levels to choose from, Global ARI caters to investors who prefer better control over the actual level of risk in their portfolio.

Global ARI

Who’s this suitable for?Underlying assetsReturns
Investors who require a portfolio that can be fine-tuned to their risk tolerance and contain a variety of assetsSPDR S&P 500 ETF (SPY)

iShares MSCI EAFE ETF (EFA)
SPDR Gold Shares (GLD)

+ 19 more ETFs
10-year annualised return: 3.8% p.a. (5% Downside Risk)

10-year annualised return: 8.6% p.a. (15% Downside Risk)

10-year annualised return: 8.7% p.a. (25% Downside Risk)

If Core doesn’t fit your objectives at this moment, or Global ARI for that matter, fret not. Syfe has three more products for you to invest in.

#1 Cash+

Who’s this suitable for?Underlying assetsReturns
Investors who require a low-risk way to grow their savings while ensuring a high level of liquidityLionGlobal SGD Money Market Fund

LionGlobal SGD Enhanced Liquidity Fund SGD

LionGlobal Short Duration Bond Fund
1.5% p.a. (projected)

Syfe’s cash management portfolio is a hassle-free alternative to high-yield savings accounts that aren’t exactly living up to their name right now. This portfolio offers projected returns of up to 1.5% p.a. while having absolutely no strings attached.

Cash+ lets you access your funds easily in the event of an emergency (all without withdrawal fee) while ensuring they aren’t just twiddling their thumbs in your bank account.

#2 REIT+

Who’s this suitable for?Underlying assetsReturns
Investors who would like to create a dividend income portfolio and an easy way to buy into REITsAscendas Real Estate Investment Trust (AREIT)

Mapletree Commercial Trust (MCT)

CapitaLand Integrated Commercial Trust (CICT)

+ 17 more REITs
5-year annualised return: 11.7% p.a.

REITs go hand in hand with dividend stocks, helping you quickly generate a passive income stream. However, there are a few obstacles when you manually invest in this asset, including higher fees and not knowing which REIT fits your investment needs.

Syfe’s REIT+ portfolio eliminates that by investing in 20 of the largest Singapore REITs on your behalf. The portfolio covers all real estate sectors: retail, commercial, industrial, residential, hospitality and healthcare. 

Additionally, REIT+ is the first to collaborate with Singapore Exchange (SGX) to offer an investment product that tracks the iEdge S-REIT Leaders index, and by extension, replicates the returns of the broader S-REIT market. 

Take note that investors cannot invest directly in an index.

#3 Equity100

Who’s this suitable for?Underlying assetsReturns
Investors looking for max exposure to global equities and potential for higher returns over the long term Invesco QQQ Trust (QQQ)

iShares Core S&P 500 UCITS ETF (CSPX)

iShares MSCI EAFE ETF (EFA)

+ 9 more ETFs
5-year annualised return: 16.2% p.a.

If your current investment portfolio is concentrated on a single stock exchange, or that you’ve got time and appetite to go ‘high risk, high rewards’, you might want to consider Syfe’s Equity100. 

It provides 100% global equity exposure through high quality equity ETFs that are managed by recognised financial institutions such as Vanguard and BlackRock. Its underlying smart beta strategy is employed to optimise the portfolio for better risk-adjusted returns.

In the instance of one of the tracked indexes, Invesco QQQ Trust (QQQ), you’ll be exposed to top tech companies in the world such as Apple, Amazon and Facebook. 

Check out our full review of these three Syfe portfolios here.


Launched in 2019 by former UBS Director Dhruv Arora, Syfe has been growing from strength to strength. Last year, it closed a S$25.2 million (USD $18.6 million) Series A led by Valar Ventures, a fintech-focused investment firm.

This article was written in partnership with Syfe.

Read these next:
Syfe Review: A Look At Cash+, REIT+, Equity100 and Global ARI
7 Popular Types Of Investment In Singapore (And Tips To Use Them For Optimal Gains)
Uniquely Singaporean Things We Do To Accumulate Wealth
Gold Investment In Singapore: The Gold Standard Guide
Money Confessions: 9 Singaporeans Share Their Portfolio Asset Allocation


By Ebel Tang
A geek culture enthusiast who’s also a little too invested in the wide world of whisky and watches. And no, he was not named after the Swiss timepiece brand.