core growth
For investors looking to capture long-term growth from the stock market while adjusting for risk.
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Invest in 5,000+ global stocks, with a small allocation to bond and gold to manage risk.
7.80
% p.a. returns (8Y). Optimise for the long-term growth of the stock market.
Compound returns with automatic dividend reinvesting and recurring transfer plans.
Our
Smart Beta
investment strategy
Portfolio aims to maximise risk adjusted return by taking country, sector, credit and interest rate risk. Optimised by incorporating smart beta factors that enhances long term returns, reduces volatility, and improves diversification.
learn moreComposition
Access diversified, institutional-grade solutions
in one portfolio.
Equities
100%
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100%
legend 1
100%
legend 1
100%
legend 1
100%
others
100%
Last update: 31 May 2023 14:30 SGT
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
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Past performance
Our Smart Beta strategy optimises your portfolio’s equity component to outperform the markets over time.
core GROWTH
avg ann return (8y)
7.80
S&P TARGET RISK GROWTH (SPTGGU)
avg ann return (8y)
3.85
core Growth
SPTGGU
Past returns are shown for illustrative purposes only. They are calculated before fees and in SGD terms unless otherwise specified. The past returns since inception (31 March 2021) are based on model portfolios returns which may not fully account for trading costs, tax implications and timing impacts. Past returns prior to portfolio inception date are based on our internal backtested data with information obtained from underlying fund managers. Past returns are not a guarantee for future performance.
Last update: 31st August 2024
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Projected returns
Versus S$1,090,000 when left uninvested
+ $500 monthly investment for 15 years
Core Growth
Forecast range
To forecast future returns, we use sophisticated techniques such as the forward-looking Monte Carlo simulation to determine a realistic range of return for you.
2023
Optimistic
If the global financial environment is extremely positive then you might see this return. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Median probability
If the global financial environment performs as expected then this is the median expected return. There is a 50% likelihood your portfolio return will be at or above this number.
S$3,207,874
Conservative
If the global financial environment is extremely negative then you might see this return. There is 95% likelihood your return would be at or above this number.
S$3,207,874
Core Growth
Forecast settings
The amount of money you are looking to pay upfront in one single payment rather than in instalments.
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
The amount of money you are looking to pay in monthly instalments.
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
The number of years you are planning to invest in this portfolio
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
Featured ETFs in
your portfolio
Xtrackers S&P 500 Equal Weight UCITS ETF
Equal weighted exposure to top 500 US stocks.
VanEck Morningstar Wide Moat ETF
Exposure to attractively priced companies with sustainable competitive advantages.
Dimensional US Targeted Value ETF
Exposure to small and mid cap US value companies.
iShares US Aggregate Bond UCITS ETF
Exposure to the broad US Dollar denominated investment grade bond market.
Comparing portfolios
Get started or diversify your investments with a portfolio that best suits your needs.
core growth
risk rating
Moderately high
annualised returns (8Y)
asset allocation
recommended investment horizon
Medium-long
(5+ years)
core equity100
core balanced
core defensive
High
Moderately low
Low
Long
(10+ years)
Medium
(3+ years)
Short
(2+ years)
Why invest with Syfe?
Learn how our Core portfolios stack against other strategies like traditional ETF investing.
syfe core
diy etf investing
cdp and brokerage account
Not required
Required
expected returns
Per index
Dependent on
individual skill and experience
automatic dividend reinvestment
biannual rebalancing
management fees
All-inclusive fee at
0.25% to 0.65% p.a.
Commission and brokerage fees payable per trade
TIME REQUIRED
Low
Significant
asset class
%
Equity
100 %
equities
Bonds
commodities
ETF
SYM
BOL
CLASS
%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
Stock
%
YTD
11.57 %
sector
%
Industrial REITs 4
10.5%
REITs Copy 2
10.5%
Industrial REITs 4
10.5%
Industrial REITs 4
10.5%
Industrial REITs 4
10.5%
Industrial REITs 4
10.5%
Countries
%
Country
11.57 %
Core GROWTH
Past returns
PERIOD
Syfe
Benchmark
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
YTD
11.57 %
YTD
PERIOD
Syfe
Benchmark
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
YT2023D
11.57 %
PERIOD
Syfe
Benchmark
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
YT2023D
11.57 %
FAQs
How do the Core portfolios work?
The Core portfolios comprises stock, bond, and gold ETFs that aim to provide global diversification and better risk-adjusted returns.
The portfolios are constructed using an Asset Class Risk Budgeting approach to achieve a relatively stable asset allocation making them ideal for passive investing.
The equity component of the Core portfolios are further optimized using Smart Beta factors namely growth, large-cap and low-volatility factors. To improve risk-adjusted returns, the Core portfolio also holds an increased exposure to technology and Chinese stocks.
Clients can choose from three different Core portfolio types depending on their investment goals, time horizon and risk appetite: Core Defensive, Core Balanced, Core Growth
What is the Core Growth portfolio?
The Core Growth portfolio is a higher risk portfolio that is invested mainly in stock ETFs. These ETFs collectively invest in over 3,500 stocks of the world’s top companies. To provide additional diversification, the portfolio also contains an allocation to bond and gold ETFs.
The portfolio is designed for investors seeking to maximise the long-term risk-adjusted returns of their portfolio and who are comfortable with short-term market volatility.
What is a factor, and why should I care?
First let’s consider the various investment options available to us. At one extreme we have passive index funds, which have low fees and track the performance of indices like the S&P 500 and MSCI World.
At the other extreme you could invest in an active fund, where individual stocks are chosen with the aim of outperforming their benchmark (typically the most appropriate index, e.g. MSCI World Index if selecting stocks globally). These have higher fees and can have larger swings in performance. In fact, the vast majority of the time, 87.98% (Source: S&P Global, as of Dec 31st 2023), these funds underperform their respective benchmarks.
Factor investing sits in between, but what is a factor I hear you ask… well, a factor is a characteristic that can help explain why certain groups of securities may perform the way they do in terms of risk and return.
The following are examples of factors; value (for under-valued companies), size (companies with smaller market capitalisations) and quality (companies with strong profitability, stable earnings etc.).
Academic research (notably Fama-French) shows that these characteristics explain significant amounts of stock performance over time. One can use factors to seek better risk-adjusted returns than simply following an index or trying to hand-pick stocks.
We find analogies often help, so let’s imagine we’re purchasing a car….
1. The passive approach would be to buy the standard model, which will be cost-efficient and gets us from point A to B.
2. The active approach would be to heavily modify the car, swapping out most of the parts. Whilst we may get a faster car, it could be more dangerous or we may significantly impact the reliability and long term durability.
3. The factor-based approach would be to add a few key upgrades which will most improve the car. We could invest in better tyres, fuel and brakes to enhance our mileage and safety, without sacrificing reliability.
How do I start investing with Syfe?
Visit
Get Started
and follow the following steps:
Select a portfolio type
Answer a few questions to help us personalise your portfolio. Feel free to explore your portfolio and finalise an investment plan. Proceed to create your Syfe account
You can use Singpass to verify your identity instantly. You can also manually enter your details and upload supporting documents
Once your account has been created, you can transfer funds to your portfolio using PayNow, FAST, Telegraphic Transfer and other methods
Done! We will invest your funds for you. You can access your account anytime via our web dashboard or app
