Syfe Promo Code 2020: It Is Not Just REITs

syfe promo code 2020
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Table of Contents

TLDR; Syfe’s key features at a glance

Singapore’s only Robo with a REIT portfolio available for its clients. Is Syfe for you? Yes…if you are keen on getting a little piece of Singaporean real estate pie.

Yes, you may be able to purchase these individual REITs but this particular REITs portfolio covers the top Singaporean REITs and retail investors would not gain access to this index easily.

And this is what Syfe stands for – Allowing you to gain access to portfolios that are usually reserved for high-net-worth individuals and institutions. 

Of course, there are other portfolios worth mentioning and the REIT+ Portfolio is not the only one that Syfe has to offer. 

For first-timers who are just testing the waters or those without much cash, Syfe is a relatively accessible option, unlike several other competitors who require a minimum deposit. 

Learn more about T&C’s of the promo code terms here

Disclaimer

The review here is for educational purposes only and should NOT be taken as business, legal, investment, or tax advice. It does NOT represent or constitute a solicitation or offer to purchase any investment or a recommendation to buy or sell a security. 

Do note that this content is not financial advice. If you are in doubt or unsure as to the action you should take, please consult a professional.

This article contains affiliate links. Guidesify may receive a commission from your sign-ups

Not a Plain Vanilla Theory Type Modern Portfolio

Syfe claims that their portfolios are extremely unique compared to other Robo-advisors in the market offer. 

Their portfolios are built using sophisticated investment strategies that are usually reserved for HNWI and institutions, which average Singaporeans like you and I do not have access to. 

REIT+ – The Easiest Way to Buy Singapore REITs

Have been wanting to invest in properties but pocket not deep enough to fork out millions of dollars to buy a whole property in Singapore?

Image Source: Freepik

Consider investing in REITs instead! 

This REIT+ portfolio is the one where the Guidesify Team finds the most interesting.

As at the time of writing, Syfe is Singapore’s only Robo with a REIT portfolio available for clients and this is probably the easiest way to buy Singapore REITs without having to incur heavy brokerage fees. 

This is a Singapore REIT portfolio that tracks the SGX’s iEdge S-REIT Leaders index. The REIT+ portfolio contains 20 REITs and has exposure across the different industrial, office, retail sectors such as Mapletree Commercial Trust, Capitaland Mall Trust, Keppel REIT, Suntec REIT and more. 

It is important to note that REITs investing can be volatile and unpredictable. 

Depending on how risk-averse you are, investors can go with the 100% REITs option, or choose the REITs with Risk Management option. 

For the latter, their portfolio will contain a mix of REITs and high-grade SG Government Bonds, and be risk-managed using our ARI algorithm. This portfolio is self-adjusted during unfavourable economic situations. 

The algorithm will automatically reduce investors’ exposure and risk by lowering the percentage of holdings in REITs within your portfolio during unfavourable economic situations and vice versa when the market condition is favourable. 

Only for customers on the Black or above tiers (More than S$20K invested): You can choose to receive your dividends as quarterly payouts or have them automatically reinvested. 

Equity100 – More Than A 100% Equity Portfolio

As the portfolio name suggests, Syfe’s Equity100 allows their investors to invest in over 1,500 top global companies with stocks or all-equity ETFs.

Some of the companies include Apple, Microsoft, Amazon, Facebook, Alibaba and Toyota.

Of course, having a portfolio with 100% exposure to stocks isn’t anything new. 

It is the usage of a dynamic multi-factor smart beta strategy that really intrigued us. 

This is their latest portfolio offering and according to Syfe, it came about due to the demand and feedback from clients that the Global ARI was too conservative, albeit being very safe. 

What is Smart Beta?

Smart beta is smart as it combines the benefits of both passive investing and active investing strategies. 

It became very popular for portfolio risk management, diversification along factor dimensions and of course, enhancement of risk-adjusted returns.

To do this, it follows indices passively and may also use other factors in its weighting methodologies, such as volatility, liquidity, and momentum.

So What is Syfe’s Multi-factor Smart Beta Strategy?

In summary, the Syfe’s team has chosen growth, large-cap & low-volatility factors as the 3 factors that would generate better risk-adjusted returns for the portfolio. 

This is because stocks that fare well under this criteria are proven historically to perform better in general. These factors are also dynamically managed and weighed based on broader cyclical trends and/or changing market conditions. 

The optimised Global Market Portfolio with the multi-factor smart beta strategy will then be implemented with ETFs of the highest liquidity and lowest cost.

Syfe’s backtested data suggests that the Equity100 portfolio has a 10-year annual return of 13.4%.

To have a more in-depth understanding of the Equity100’s multi-factor methodology, click here for the full writeup by Syfe themselves.

Global ARI – 11 Risk Levels to Choose From!

Don’t want to purchase REITs or expose your portfolio to 100% equity?

Not to worry!

Syfe’s also has a globally diversified ETF portfolio with the usual blend of stocks, bonds and gold.

The Global ARI also comes with Syfe’s proprietary data-driven ARI algorithm which automatically cushions your portfolio whenever the market slides or improves returns during market rallies.

Most recently, Syfe’s has shown to have greatly reduced the impact on their clients’ portfolios during the COVID-19 market crash as well.

syfe promo code

Image Source: Syfe

This is achieved via increasing or decreasing the allocation to bonds in times of volatility.

ETFs in the Global ARI includes, but not limited to:

  • SPDR S&P 500 ETF (SPY) 
  • iShares MSCI EAFE ETF (EFA)
  • iShares Core U.S. Aggregate Bond ETF (AGG)
  • SPDR Gold Shares (GLD)

What are Syfe’s Fees and Minimum Investment (Syfe Promo Code Included)?

Learn more about T&C’s of the promo code terms here

The corresponding fees you pay depends on your tier and it’s decided by the higher of your total assets under management or total invested amount across your total portfolios with Syfe. 

The good news is that there is no minimum amount for you to start your investment in any of the portfolios.

Tier
BlueBlack (At least S$20k deposited) Gold (At least S$100k deposited)
Management Fee Rate Per Year0.65%0.5%0.4%
Arbitrary Investment Value Deposited By YouS$500S$20000S$100000
Bonus Credited Into Your Account with Promo Code ‘GUIDESIFY’ S$10S$100S$100
Management Fee Per YearS$3.25S$100S$400

Needless to say, the management fee per dollar invested would be cheaper the more money you put in. 

Even though there is no minimum investment amount required, we recommend you putting at least S$500 (or up to S$20000 if you are up for it) and with our Syfe promo code bonus, your management fees will be fully covered for at least a whole year. 

And from there, you can decide whether to continue with Syfe. 

Update: Use “GSFEEWAIVER” for your first SGD30,000 to be managed for free for first 6 months!

Otherwise, it would be quite safe to say that Syfe’s fees are really competitive, in comparison to its direct competitor, StashAway, with no minimum investment amount. 

However, it is important to note that management fees and return rates should not be the sole factors while comparing against other Robo-advisors. It also boils down to how long you are planning to invest, how comfortable you are with their investment strategies and customer service, app/user-interface, etc. 

Useful Information for New Investors

Image Source: Freepik

What are REITs?

Real Estate Investment Trusts or otherwise known as REITs are a popular and integral part of the Singapore Exchange (SGX). 

It is very popular because many Singaporeans, like you and I, enjoy investing in properties. One of the easiest ways an average Singaporean can try their hand at investments in the real estate sector, without having to take up huge loans to purchase a whole property, would be investing through REITs.

REITs pool money from investors to invest in a portfolio of real estate assets, namely hotels, industrial buildings, shopping malls and offices. 

One example that you might be familiar with would be this retail REIT, CapitaLand Mall Trust (CMT). CMT, the largest retail REIT by market capitalisation in Singapore, that owns and invests in many income-producing properties, namely, Tampines Mall, Junction 8, Funan, IMM Building, Plaza Singapura, Bugis Junction, JCube and many more… 

What are ETFs?

An Exchange-Traded Fund is essentially an investment that tracks an underlying index and trade on an exchange, just like a typical stock. 

So instead of choosing individual companies to invest in, you are able to access a range of companies within the ETF.

ETFs are relatively safe and offer lower expense ratios and lower broker commissions than buying the stocks individually. And this is how your Robo-advisors keep their management fees low for you! 

Related to Syfe Promo Code:

Global Stocks Rally: Is It Too Late To Invest Now

StashAway Promo Code 2020 + Review: Should You Try It?

AutoWealth Promo Code 2020: Is this the better Singapore Robo Advisor?

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