CORE EQUITY100

Maximise SRS growth with top global stocks

For investors seeking maximum exposure to global stocks for long-term gains.

100% Global Equities

100% equity with diversified exposure to over 5,000 stocks and automatic dividend reinvesting.

Best-in-Class Funds

Designed using low-cost index funds and optimised with proven factors like value, size, and quality for superior long-term returns.

Expertly Managed

Managed in partnership with top asset managers,  using decades of experience and proven track record.

Composition

Access diversified, institutional-grade solutions in one portfolio.

core equity100

core equity100

Equities

100%

core equity100

core equity100

legend 1

100%

legend 1

100%

legend 1

100%

legend 1

100%

others

100%

Last update: 31 May 2023 14:30 SGT

core equity100

Past returns

period

%

No items found.

period

%

No items found.

period

%

No items found.

core equity100

Composition

period

period

%

Technology Select Sector SPDR Fund

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK

2.41 %

iShares Core MSCI EM IMI UCITS ETF

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK

2.41 %

Utilities Select Sector SPDR Fund

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK

2.41 %

KraneShares CSI China Internet ETF

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK

2.41 %

iShares MSCI China ETF

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK

2.41 %

period

% of portfolio

Apple Inc (AAPL)

4.56 %

Microsoft Corp (MSFT)

4.48 %

Alphabet Inc (GOOGL)

2.20 %

Nvidia Corp (NVDA)

2.11 %

Amazon.Com Inc (AMZN)

2.02 %

Tencent Holdings Ltd (700 HK)

1.77 %

Pepsi Co. (PEP)

1.39 %

period

%

Information Technology

11.57 %

Consumer Staples

13.81 %

Healthcare

13.16 %

Consumer Discretionary

12.77 %

Communication Services

9.96 %

Financials

8.29 %

Utilities

5.26 %

period

% of portfolio

United States

74.31 %

China

14.82 %

Japan

1.88 %

United Kingdom

1.24 %

France

1.03 %

Past performance

Our Smart Beta strategy optimises your portfolio’s equity component to outperform the markets over time.

core Equity100 SRS
returns (8y)

11.25

%

MSCI All Country World Index
(Global stocks)

11.23

%

CORE EQUITY100 SRS

MSCI All Country World Index

core equity100

core equity100

chart

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 August 2024) 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 14:30 SGT

Projected returns

Returns with core equity100 SRS

S$1,000,000

Versus S$1,090,000 when left uninvested

WITH lump sum Investment OF

S$2,824,251

*This calculator is meant to only illustrate the power of compounding if you reinvest the dividends over the period of 15 years. Past performance is not indicative of future results.

Featured funds in your portfolio

Amundi Index MSCI World Fund

Exposure to 100 of the largest non-financial companies by market cap listed on Nasdaq, including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology

Avg annual return (10 yrs)

8.64%

Market Cap

US$8.62B

Amundi Prime USA Fund

Amundi Prime USA is an open-end fund incorporated in Luxembourg. The Fund's objective is to track the performance of Solactive GBS United States Large & Mid Cap Index (the "Index"), and to minimize the tracking error between the net asset value of the sub-fund and the performance of the Index.

Avg annual return (10 yrs)

11.24%

Market Cap

US$0.36B

Dimensional Global Targeted Value Fund

The investment objective of the Fund is to maximise long-term total return. The investment policy of this Fund is to purchase securities, including depositary receipts, of certain companies traded in global developed countries which the Investment Manager deems both eligible smaller companies and eligible value stocks.

Avg annual return (10 yrs)

5.79%

Market Cap

US$7.2B

Amundi Index MSCI Emerging Markets Fund

To track the performance of MSCI Emerging Markets Index (the Index), and to minimize the tracking error between the net asset value of the sub-fund and the performance of the Index.

Avg annual return (10 yrs)

-0.53%

Market Cap

US$16.2B

Dimensional US Core Equity Fund

The investment objective of the U.S. Core Equity Fund (Fund) is to achieve long-term total return.

Avg annual return (10 yrs)

0.27%

Market Cap

US$6.91B

Comparing portfolios

See how our SRS eligible portfolio stands against others.

	core equity100 srs	MSCI World	Active Funds based Equity Portfolio
Returns (last 8 years)	11.25 %	10.80%	6.0-8.0%
Portfolio Management	Passively managed with factor based enhancements	Passive Index	Actively managed
Fund Level Fees	0.15%*	Not possible to invest in the index	1.0-2.0%

Why invest with Syfe?

	Syfe Equity100	DIY ETF investing
cdp and brokerage account	Not required	Required
investment strategy	Systematic, 3-factor investing	Freestyle
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
RISK MANAGEMENT	Automated	Self-directed

Our Smart Beta investment strategy

Portfolio aims to maximise risk-adjusted return by taking country and sector risk. Optimised by incorporating smart beta factors that enhance long-term returns, reduce volatility and improve diversification.

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Despite the positive sentiments in H1 2024, the market landscape is poised to become more complex in the second half of the year. Learn more.

Which SRS portfolio is best suited for you?

Core Equity100

Capture long-term growth with diversified exposure to over 5,000 global stocks with your SRS funds.

High RISK

Maximise returns with 100% equity portfolio built using the best-in-class, low cost index funds.

Avg ann return (8Y)

11.25

% p.a.

100% Global Equities

100% equity with diversified exposure to over 5,000 stocks and automatic dividend reinvesting.

Best-in-class INDEX FUNDS

Designed using low-cost index funds and optimised with proven factors like value, size, and quality for superior long-term returns.

Expertly Managed

Managed in partnership with top asset  managers, using decades of experience and proven track record.

comparison TABLE

CORE equity100 SRS

Returns p.a. (last 8 years)

11.25

%

Portfolio Management

Passively managed with factor based enhancements

Fund Level Fees

0.15%*

MSCI ACWI

Active Funds based Equity Portfolio

10.44%

6.0-8.0%

Passive Index

Actively managed

Not possible to invest in the index

1.0-2.0%

*Active funds based equity portfolio returns range assumes lower returns due to higher fees and active management underperformance. 

Past returns are shown for illustrative purposes only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception (31 March 2020) 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.

Source: Syfe’s Research as of 31 August 2024

Income+

Choose between Income+ Preserve and/or Income+ Enhance to grow your SRS through dependable and steady dividends.

MODERATELY LOW RISK

High income with capital appreciation. Powered by PIMCO®.

Yield to Maturity

6.1

-

6.4

% p.a.

Monthly Dividends

Monthly dividends automatically reinvested to maximise returns.

INSTITUTIONAL FUND ACCESS

Exclusive access unlocks up to 60% savings on fund level fees for retail investors, maximising returns.

No-lock ins

Invest with full flexibility - no lock-in, no withdrawal penalties, no minimum balance.

comparison TABLE

Income+ SRS

DIRECT Unit Trusts

Yield to maturity (%)

6.1

-

6.4

% p.a.

6.1% p.a. (Average)

Dividend Taxes

Optimised to minimise
dividend withholding taxes

Depends on fund domicile

FX Risk

SGD Hedged

Depends on fund denomination

Fund Level fees

0.65%*
(Institutional funds)

1.5%+
(Retail funds)

Management / Access fees

0.25% to 0.65%

0.3 - 1.0% (Access fees) +  
3.0 - 5.0% (Sales charges)

Portfolio and fund management

The portfolio is managed and advised by Syfe informed by PIMCO's forward looking views. Funds composed in the portfolio are actively managed by PIMCO.

Fund is managed by a single fund manager with a set objective. Fund managers seek to outperform market or benchmark.

*Fund level fee for Income+ is calculated using the average of all fund level fees across Preserve and Enhance (which varies depending on portfolio and allocation) latest as of 28 Apr 2024. Fee benchmarks for unit trust and ETF are surveyed from top income fund manager’s retail share class at the time of publication.

Cash+ Flexi

Supercharge your SRS funds safely, with our lowest-risk portfolio and bank-beating rates.

Very Low RISK

Stable, steady returns in line with Singapore money market rates.

Projected returns

1.8

% p.a.

no lock-ins, No Minimums

Unlimited next-day withdrawals to your SRS bank account, with no minimum investment required.

accelerate your returns

Multiply your returns by over 70x, smashing interest rates of 0.05% in traditional SRS bank accounts.

LOW RISK PORTFOLIO

Generate consistent and steady returns with a peace of mind with our low risk portfolio.

comparison TABLE

Cash+ Flexi (SGD)

Yield / Interest (%)

2.0% - 2.1%

Term

None

Withdrawal

Redeem anytime

Risk

Very Low

Bank Savings Account

Fixed Deposits

T-bills

0.05%

2.90%

3.70%

None

6 months

6 - 12 months

Liquid

Early withdrawal penalties apply

No early redemption

Safe

Guaranteed

Guaranteed

*Projected yield as of Jul 2025
Source: Treasury Bills Statistics (mas.gov.sg), DBS 6 month FD rate as of May 2024.
Cash+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Cash+ does not provide any guarantee or assurance of returns.

FAQs

How can I start investing my SRS funds with Syfe?

Investing your SRS funds with Syfe is quick and easy. You may follow the below steps :

Open an SRS bank account with an SRS bank operator (DBS/POSB, OCBC, UOB). Once your SRS bank account is open, you may contribute into your DBS/POSB or OCBC or UOB account.
Once your above SRS bank account is ready, log into your Syfe app or website to select the portfolio you would like to invest in.
Provide your SRS bank details and deposit instructions (refer to this link to know how to find your SRS bank details). Your SRS bank details will be saved upon this step. In case you need to update your SRS bank account details or personal particulars such as changes to your NRIC/FIN, please reach out to [email protected].
Provide some additional personal details, employment & income details to continue onboarding to SRS portfolios.
Once the details are submitted, we will work on your instruction to debit funds from your SRS bank account. After debiting, we will invest your funds into your chosen portfolio. Please visit here to understand more about the various stages of investment.

What are the portfolios that I can invest on Syfe with SRS?

Syfe offers various investment options that can help you achieve significantly higher returns compared to the 0.05% annual yield from keeping your SRS funds in your SRS bank account.

By investing in Cash+ Flexi SGD, Income+ Preserve, Income+ Enhance, or Core Equity100, your SRS funds have the potential to grow over 70 times more than if left uninvested in DBS/POSB, OCBC, or UOB accounts.

What are the fees and charges on Syfe SRS portfolios?

Syfe charges a management fee depending on your Syfe pricing tier. Kindly refer to this article to learn more.

‍Fees applicable

‍‍Cash Management Portfolios, 0.05-0.15% per annum
Managed Portfolios, 0.25-0.65% per annum

For SRS Portfolios, are there other fees apart from Syfe’s management fee?

‍No. We strive to ensure SRS investing stays accessible and affordable, in fact, by consolidating your SRS investments into Syfe, you will be able to enjoy greater benefits.

How are my fees debited for SRS portfolios?

‍It will be same as the cash funded portfolios, fees are accrued daily based on your portfolio value (Net Asset Value) and reported within the app in the “FEES PAID” feature that can be found under the portfolio details page. At the end of the month, fees will be deducted and this will be reflected in the “TRANSACTION” feature.

In your monthly statement, you will find fees disclosed at each portfolio in the first 2 pages, and total fees in last page.

How long does it take from creating an SRS portfolio to start investing?

When you withdraw funds from your Syfe SRS portfolios, the securities you hold must be sold before the cash can be transferred to your bank account.

Withdrawals to SRS banks (DBS/POSB, OCBC, UOB)

‍Under ordinary circumstances, Syfe processes your instruction to sell within 1 - 2 business days. However the sale of the funds within the portfolio takes anywhere from 5 to 9 business days.Once the portfolio has been liquidated, depending on the bank’s processing timelines, you should receive your funds within the next 1-2 business days. As such, this typically means that most customers can expect to receive their withdrawn funds in 2 weeks.

Cash+ Flexi SGD: 5-6 business days‍

Core Equity100 and Income+: 6-9 business days

Withdrawals to other bank accounts

‍Note that SRS funds can only be withdrawn to your SRS Bank account (DBS/POSB, OCBC, UOB). If you had changed your SRS bank account during the course of your investment with Syfe, please contact [email protected] for assistance to update your bank details.