syfe

Saving and investing -
All in one app

InvestorsSyfe brand is trusted by 100K+ investors
Platform partners
As featured in
Asia FinTech AwardPersonal Tech AwardABF Award
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Saving and investing -
All in one app

InvestorsSyfe brand is trusted by 100K+ investors
Platform partners
As featured in
Asia FinTech AwardPersonal Tech AwardABF Award
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Saving and investing -
All in one app

InvestorsSyfe brand is trusted by 100K+ investors
Platform partners
As featured in
Asia FinTech AwardPersonal Tech AwardABF Award
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Saving and investing -
All in one app

InvestorsSyfe brand is trusted by 100K+ investors
Platform partners
As featured in
Asia FinTech AwardPersonal Tech AwardABF Award
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741
InvestorsSyfe brand is trusted by 100K+ investors
Platform partners
As featured in
Asia FinTech AwardPersonal Tech AwardABF Award
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741
InvestorsSyfe brand is trusted by 100K+ investors
Platform partners
As featured in
Asia FinTech AwardPersonal Tech AwardABF Award
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Access professionally managed, automated portfolios at low cost

Built with stocks, funds, and ETFs
Diversified across assets and markets
Auto rebalancing and dividend reinvesting
No lock-ins,
no min. balance
Complimentary
wealth advice
Open an account now starting with just HK$ 10,000! Learn more

Supercharge your cash

Put every dollar to work. Discover low-risk, short-term ways to maximise returns with maximum flexibility.
Competitive rates
Enjoy better returns
Maximise every dollar
Invest however much you like. No minimum or maximum sums. No hoops to jump through.
Designed for liquidity
Enjoy short to no lock-in periods—your spare cash is always within easy reach.
Cash+ Fixed HKD
Very low Risk
Cash+ Fixed HKD
New
Enjoy attractive fixed returns on your idle cash

up to 4.7% p.a.

Fixed returns
Cash+ Flexi USD
Very low Risk
Cash+ Flexi USD
Earn yield of 5.4% p.a. on your idle cash

5.4%

Yield

Why Syfe?

Trusted by 100,000+ investors

One of the fastest growing investment platforms in APAC. Headquartered in Singapore, now in Hong Kong and Australia.

Fraction of the cost

Finest portfolios for every investor. Together with world's leading asset managers, Syfe delivers the best financial solutions at a fraction of the cost.

Safe and secure

Regulated by the Securities and Futures Commission, Syfe holds licenses under types 1, 4, and 9. Your assets are safeguarded in a segregated custodian account with HSBC.
Portfolios managed by experienced professionals
Dhruv Arora
Dhruv Arora
Founder and CEO
Samantha Horton
Samantha Horton
Chief Business Officer
Ritesh Ganeriwal
Ritesh Ganeriwal
Head of Investment Advisory
Kevin Li
Kevin Li
General Manager and Head of Hong Kong
Archit Parakh
Archit Parakh
Head of Investments Hong Kong & Group Head of Risk
Access best-in-class ETF fund managers
VanguardArkGlobalxInvescoSPDRVaneckIShares
ISharesGlobalxInvescoVanguardSPDRArkVaneck
ISharesGlobalxInvescoVanguardSPDRArkVaneck
What Differentiates Syfe?
SyfeManaged Portfolios
DIY
investing
Stocks,
ETF Picking
Investment portfolio
Built for youDiversified,
Long-term focused
Self-builtActive, emotional
biases
Effort
LowProfessionally managed
HighHands-on
Cost
All inclusiveLow management
fee from 0.35%
Min fee
per trade
Adding up
with every trade
Professional advice
FreeIndustry expert
NoneOwn research

Earn higher returns on your idle cash

Cash Management

Enjoy flexible ways to make the most out of your idle cash.
Cash+ Fixed HKD
Very low Risk
Cash+ Fixed HKD
New
Enjoy attractive fixed returns on your idle cash

up to 4.7% p.a.

Fixed returns
Cash+ Flexi USD
Very low Risk
Cash+ Flexi USD
Earn yield of 5.4% p.a. on your idle cash

5.4%

Yield

Cash Management

Enjoy flexible ways to make the most out of your idle cash.
Cash+ Fixed HKD
Very low Risk
Cash+ Fixed HKD
New
Enjoy attractive fixed returns on your idle cash

up to 4.7% p.a.

Fixed returns
Cash+ Flexi USD
Very low Risk
Cash+ Flexi USD
Earn yield of 5.4% p.a. on your idle cash

5.4%

Yield

Cash Management

Enjoy flexible ways to make the most out of your idle cash.
Cash+ Fixed HKD
Very low Risk
Cash+ Fixed HKD
New
Enjoy attractive fixed returns on your idle cash

up to 4.7% p.a.

Fixed returns
Cash+ Flexi USD
Very low Risk
Cash+ Flexi USD
Earn yield of 5.4% p.a. on your idle cash

5.4%

Yield
*Cash+ Fixed is an investment management service, and should not be taken as a collective investment scheme or a deposit or savings account. The optimised rates are not due to pooling of invested funds by Syfe, and Syfe is not offering Cash+ Fixed as a fund, scheme, or portfolio with a pooling element. Until the investment starts, the return rate is subject to change. Cash+ Fixed returns are fixed, subject to underlying bank risk. All Cash+ Fixed returns are only available after maturity.

*Cash+ Flexi USD is a low risk rated discretionary portfolio management service provided by Syfe. It is not a savings or deposit product at a bank. Investments involve risks and Cash+ Flexi USD does not provide any guarantee or assurance of returns. Syfe may alter the constituents and/or rebalance the allocations at any time in accordance with the objective of Cash+ Flexi USD.

Earn up to 8.6% p.a. target monthly payout in HKD

Income+

Our latest offering! Earn passive income with monthly payout in HKD.
Fund partnersFund partners
Fund partners
Income+
Moderately low Risk
Income+ Pure
Get Monthly income payout with lower risk

6 - 7% p.a.

Target payout
Income+
Moderately high Risk
Income+ Enhance
Achieve higher monthly income payout with capital appreciation potential

7.6 - 8.6% p.a.

Target payout
Fund partnersFund partners
Fund partnersFund partners
Syfe's Income+ portfolios are constructed using a unique multi-manager approach in collaboration with leading asset managers, with an objective to achieve a Target Monthly payout while still optimizing for total returns. Investors should consider the investment objectives and risks of the Income+ discretionary portfolios carefully before investing. Past performance is not a guarantee or a reliable indicator of future results and no guarantee is being made that similar returns and/or payouts will be achieved in the future.

Build your own wholistic investment solution

Thematic Portfolios

Portfolios for further diversification and targeted exposures to certain asset classes, themes, markets and sectors.

Select Themes portfolios

China Growth
Very high Risk
China Growth
Revamped
Capitalise on the New China economy
Disruptive Technology
Very high Risk
Disruptive Technology
Popular
Invest in the most promising areas of the future economy

0%

Avg ann return (5Y)
China Growth
Very high Risk
China Growth
Revamped
Capitalise on the New China economy
Disruptive Technology
Very high Risk
Disruptive Technology
Popular
Invest in the most promising areas of the future economy

0%

Avg ann return (5Y)
ESG & Clean Energy
Very high Risk
ESG & Clean Energy
Popular
Invest in companies doing good for the world

11.1%

Avg ann return (5Y)
Healthcare Innovation
Very high Risk
Healthcare Innovation
Invest in the future of healthcare

7.54%

Avg ann return (5Y)
China Growth
Very high Risk
China Growth
Revamped
Capitalise on the New China economy
Disruptive Technology
Very high Risk
Disruptive Technology
Popular
Invest in the most promising areas of the future economy

0%

Avg ann return (5Y)
ESG & Clean Energy
Very high Risk
ESG & Clean Energy
Popular
Invest in companies doing good for the world

11.1%

Avg ann return (5Y)
Healthcare Innovation
Very high Risk
Healthcare Innovation
Invest in the future of healthcare

7.54%

Avg ann return (5Y)

Hong Kong's first direct indexed Core portfolios

Syfe’s Core portfolios are designed to achieve essential financial goals.
USDirect, Syfe’s innovative direct indexing process, replaces the US index ETFs with individual US stocks. This reduces external ETF fees by up to 50%.
Core Equity100
High Risk
Core Equity100
Popular
100% global stocks exposure

11.84%

Avg ann return (8Y)
Core Growth
Moderately high Risk
Core Growth
Popular
Stocks-focused with risk adjusted return

8.29%

Avg ann return (8Y)
Core Equity100
High Risk
Core Equity100
Popular
100% global stocks exposure

11.84%

Avg ann return (8Y)
Core Growth
Moderately high Risk
Core Growth
Popular
Stocks-focused with risk adjusted return

8.29%

Avg ann return (8Y)
Core Balanced
Moderately low Risk
Core Balanced
Optimised asset allocation balancing risk and return

4.59%

Avg ann return (8Y)
Core Defensive
Low Risk
Core Defensive
Bonds-focused stable and steady

2.91%

Avg ann return (8Y)
Core Equity100
High Risk
Core Equity100
Popular
100% global stocks exposure

11.84%

Avg ann return (8Y)
Core Growth
Moderately high Risk
Core Growth
Popular
Stocks-focused with risk adjusted return

8.29%

Avg ann return (8Y)
Core Balanced
Moderately low Risk
Core Balanced
Optimised asset allocation balancing risk and return

4.59%

Avg ann return (8Y)
Core Defensive
Low Risk
Core Defensive
Bonds-focused stable and steady

2.91%

Avg ann return (8Y)
*Annualised past return is the geometric average calculated on daily NAVs with gross income reinvested over the backtested period. The backtested period has been updated till 30th Apr 2024 14:30 HKT. The returns are calculated before management fees. Different customer tiers will have different fee structures and performance may not be the same.

Past returns are not a guarantee for future performance.

Simple, all-inclusive fee from 0.35%

Simple, all-inclusive fee from 0.35%

Simple, all-inclusive fee from 0.35%

Advisory Image
Advisory Image
Advisory Image

Talk to our Wealth Experts

General Enquiries

Get help in understanding Syfe’s portfolios, fees and platform features

Personalised consultation for Black tier and above

Get a personalised consultation based on your goals if you are planning to invest more than HK$200,000.

Private Wealth

Bespoke solutions for high and ultra-high net worth individuals, families and institutions
Explore Private Wealth

Frequently asked questions

What is Syfe and how does it work?

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Syfe is a digital investment platform that is building the next generation of financial solutions for individuals across Asia. Launched in July 2019, Syfe’s mission is to transform the way people manage their money and make high quality financial services affordable and accessible to all. Syfe is the all-in-one platform where everyday investors can access simple, smart and affordable investing, to grow wealth their way.

We offer personalised portfolios, enabling users to fulfil their long-term financial goals. The platform has no minimum investment amounts after account opening and maintains a low annual fee, starting at 0.35% per annum of the total amount invested.

In Hong Kong, Syfe carries on business through Syfe Hong Kong Limited, which is licensed by the Securities and Futures Commission (License No. BRQ741) for Types 1 (Dealing in Securities), 4 (Advising on Securities), and 9 (Asset Management) to provide relevant investment services.

What are the portfolios available?

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Syfe offers two portfolio categories:

Core - All-in-one portfolios that hold equity, bond, and gold ETFs as well as individual stocks. Depending on your goals, investing timeline, and risk appetite, you can choose between Core Defensive, Core Balanced, Core Growth, and Core Equity100 portfolios.

Select - Choose from 5 thematic options to capture long term trends effortlessly.

How do the pricing tiers work?

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For customers with under HK$200,000 invested, their management fees are 0.65% a year, as our Blue client.

If customers have between HK$200,000 and HK$1 million invested, they pay a lower fee of 0.5% a year, as our Black client.

Customers with over HK$1 million invested pay 0.4% a year as our Syfe Gold client. They may also join our Private Wealth service when they invest over HK$5 million, with management fees at 0.35% a year.

How much does Syfe charge?

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For our investment portfolios, our fees range from 0.35% to 0.65% per year based on the higher of your total assets under management or total invested amount.

Please note that the total invested amount is calculated as all cash inflows minus cash outflows. Any withdrawals and dividends paid out to bank accounts are categorised as cash outflows.

The value of your total assets under management is your portfolio value/net asset value.

Our management fee covers everything from portfolio monitoring to automatic rebalancing. You are not charged any additional brokerage or platform fees.

As featured in

Syfe

Pronounced as
Sounds like life

Why the name Syfe?
In Japanese, the word Saifu means wallet and to be closely associated with our most important attribute - which is the word safe

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The information contained herein is for general information and reference purposes only. Information on this website is not and should not be construed as an offer to sell, or a solicitation of an offer to buy any security, investment product or service, nor a distribution of information for any such purpose. It is not intended to form the basis of any investment decision.
Investors should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, investors browsing this website should consider his/her own circumstances including but not limited to his/her financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment funds in detail.
Unless otherwise specified, all historical figures shown are for illustration purposes only and not necessarily indicative of future performance. All forms of investment carry risks, including fluctuation of prices of fund units and the possibility of loss of the capital invested. Please ensure that you fully understand the risks and costs involved by reading the Risk Disclosure Statement.
The fund(s) mentioned above may not be authorised by the Securities and Futures Commission ("SFC") in Hong Kong. Please seek professional advice from an independent financial consultant where necessary. The webpage(s) have not been reviewed by the SFC. Syfe Hong Kong Limited (“Syfe”) is a Hong Kong Corporation licensed by the SFC (CE No. BRQ741) under Types 1 (Dealing in Securities), 4 (Advising on Securities), and 9 (Asset Management) for conducting relevant investment activities.
Every reasonable care has been taken by Syfe to ensure that the information included on this website is correct, up-to-date, complete, fit for its intended purpose and in line with relevant legislation and regulations. However, errors or omissions may occur due to circumstances out of Syfe’s control and information or forecast, being current only as at the date it is first posted, showing prevailing market conditions and certain assumptions (which may not be proven valid) posted on this website is and may no longer be true or complete when viewed by you. No warranty will be given or representation made, regarding the accuracy, validity or completeness of the information on this website and no liability is accepted by such persons for the accuracy or completeness of such information.
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