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INCOME+

Earn passive income with monthly payouts

Regular, diversified income for capital preservation or appreciation

Powered by
pimco
portfolio-icon
portfolio-icon
portfolio-icon

INCOME+

Earn passive income with monthly payouts

Regular, diversified income for capital preservation or appreciation

Powered by
pimco
portfolio-icon
portfolio-icon
portfolio-icon

INCOME+

Earn passive income with monthly payouts

Regular, diversified income for capital preservation or appreciation

Powered by
pimco
portfolio-icon
portfolio-icon
portfolio-icon

INCOME+

Earn passive income with monthly payouts

Regular, diversified income for capital preservation or appreciation

Powered by
pimco
  • Card Icon
    Monthly payout
    4% to 6% p.a.
  • Card Icon
    Powered by PIMCO, a global leader in active fixed income
  • Card Icon
    Institutional fund access, at a fraction of the cost
  • Card Icon
    No lock-in period or withdrawal penalties
  • Bringing PIMCO's best-in-class fixed income strategies to you

    Syfe's portfolio construction process includes PIMCO's forward looking views and time tested investment approach to deliver the best outcome for your income needs.

    We take care of all your servicing and advisory needs while PIMCO provides insights and asset allocation guidance to Syfe.

    Optimise income
    in any market condition

    Purpose-built portfolios for all your income needs.
    Preserve
    Enhance
    Objective
    Steady income with capital preservation
    Higher income with capital appreciation
    Yield to Maturity
    6.8%
    8.2%
    Monthly Payout
    4.0-4.5% p.a.
    5.5-6.0% p.a.
    Top Sectors
    US Gov. Related
    8%
    25%
    Securitised
    41%
    18%
    Investment Grade
    11%
    19%
    Non-USD Developed
    25%
    -
    High yield
    -
    12%
    Emerging Markets
    9%
    24%
    Portfolio Characteristics
    Duration
    4.8 yrs
    4.1 yrs
    Credit Quality
    A+
    A-
    Beta
    0.11
    0.20
    Risk rating
    Low
    Moderately Low

    Institutional fund access, at a fraction of the cost

    Enhance
    DIY
    Fund Level Fee*
    0.65%Institutional
    1.53%Individual Investor
    Trailer Fee Rebate
    100%
    0%
    Sales Charges
    None
    Subject to broker
    * Fund Level Fees (FLF) of the portfolio is the weighted average of the net unified management fees of the constituent funds after accounting for rebates. DIY fees are similarly derived but using retail share classes. FLF excludes applicable Syfe management fees as per client tier. See our pricing.

    Institutional fund access, at a fraction of the cost

    Enhance
    DIY
    Fund Level Fee*
    0.65%Institutional
    1.53%Individual Investor
    Trailer Fee Rebate
    100%
    0%
    Sales Charges
    None
    Subject to broker
    * Fund Level Fees (FLF) of the portfolio is the weighted average of the net unified management fees of the constituent funds after accounting for rebates. DIY fees are similarly derived but using retail share classes. FLF excludes applicable Syfe management fees as per client tier. See our pricing.

    Institutional fund access, at a fraction of the cost

    Enhance
    DIY
    Fund Level Fee*
    0.65%Institutional
    1.53%Individual Investor
    Trailer Fee Rebate
    100%
    0%
    Sales Charges
    None
    Subject to broker
    * Fund Level Fees (FLF) of the portfolio is the weighted average of the net unified management fees of the constituent funds after accounting for rebates. DIY fees are similarly derived but using retail share classes. FLF excludes applicable Syfe management fees as per client tier. See our pricing.
    Institutional fund access, at a fraction of the cost
    Institutional fund access, at a fraction of the cost
    Earn higher yields
    Yield/YTM
    Monthly payout
    0.00%2.50%5.00%7.50%10.00%
    2.99%
    SSB
    3.55%
    Fixed deposit
    3.99%
    T-bill
    4.0-4.5%
    6.8%
    Income+ Preserve
    5.5-6.0%
    8.2%
    Income+ Enhance
    Source: Syfe data as of 30 Jun 2023. Statistics are based on the weighted fund allocation within each model portfolio. Latest SSB rates, 6-month T-bill cut-off yield and 6-month FD rates (Seedly, Jul 2023).

    Regular monthly payouts, with no locked-in terms

    Receive monthly payouts directly to your bank account or reinvest into the portfolio. Fund or withdraw any amount at any time. There are no lock-in periods or penalty fees compared to traditional fixed income products.
    Fixed Deposit
    Income+
    Singapore Savings Bonds
    Singapore Savings Bonds
    SSB*
    T-bill
    Varied by terms
    Payout frequency
    Monthly
    (Regular monthly payouts, with no lock-in terms)
    Every 6 months
    Every 6 months
    Every 6M
    At maturity
    3 - 36 months
    Term
    Flexible
    Up to 10 years
    Up to 10 years
    Up to 10Y
    6 months to 1 year
    6 months to 1 year
    6M-1Y
    2-3 working days
    Withdrawal time
    2-3 working days
    Up to 1 month
    2-3 working days
    Fees & loss of accrued interest (for premature withdrawals)
    Withdrawal penalty
    None
    None
    Can be sold (full amount invested not guaranteed)
    *SSB refers to Singapore Savings Bonds
    Income+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Income+ does not provide any guarantee or assurance of returns. Learn more.

    Payout calculator

    Preserve
    Enhance
    Monthly income

    S$1,000

    Total investment required

    S$218,182

    This calculator is meant for illustrative purpose only. Monthly income refers to the selected portfolio's historical monthly payout midpoint to calculate total investment required. It does not represent the estimated monthly payout that the portfolio can achieve in future. Payout is not guaranteed, and is subject to market movements and the constituent fund’s distribution discretion. As of 30th Jun 2023 14:30 SGT. Refer to definition of Monthly Payout here.

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    Get a personalised consultation based on your goals if you are planning to invest more than S$20K.

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    Frequently asked questions

    Who is Syfe?

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    Syfe is a digital wealth manager licensed by the Monetary Authority of Singapore under a Capital Markets Services License (License No: CMS100837) for conducting retail fund management activities. We offer fully-managed investment portfolios for everyone, making it easier for all to reach their financial goals.

    How does Syfe Income+ work?

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    Syfe Income+ portfolios are non-discretionary in nature and we have built them in partnership with PIMCO, whose role is to provide insights and non-binding asset allocation guidance to Syfe in the portfolio construction process. Syfe manages and provides these portfolios to you and we take care of all your servicing and advisory needs.

    Informed by PIMCO's model portfolio investment approach, Syfe has constructed the Income+ portfolios based on a multi-step process, which includes defining the investment opportunity set and model guardrails and optimising allocations based on key macro themes, opportunities and risks.



    Learn more

    Is there a minimum investment amount to get started?

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    There is a minimum amount of S$5,000 to start investing, to ensure that investors can take full advantage of the portfolios' features such as monthly payout of dividends to their bank account. Investors in Income+ portfolios always receive dividends, but the payout to bank feature can be enabled only if you have a min invested amount or current portfolio value of at least S$5,000.



    Learn more

    How is monthly payout handled?

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    There is a minimum funding threshold of S$5,000 for clients to start investing and also enable payouts for their Income+ portfolios. This is to ensure that the monthly dividend amounts are not too small for us to process. For fundings below S$5,000, the portfolios will default to automatic dividend reinvestments.

    Clients will also have an option to switch between monthly payout and auto dividend reinvestments depending on their immediate income needs. For those on payout, the portfolios will accumulate the dividends from the constituent funds on a monthly basis and payout the proceeds to your bank account within the first 10 days of the following month.



    Learn more

    Is there any lock-in period for my investments?

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    There is no lock-in period for any Syfe Wealth portfolios, you can withdraw your funds at any time with no withdrawal fees charged.



    Learn more

    How does Syfe Income+ compare with Singapore Savings Bonds or Fixed Deposit?

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    Income+ invests in a diversified portfolio of fixed income bonds spread across different maturities and credit sectors. While Income+ is not capital guaranteed, the two portfolio options of Preserve and Enhance are classified as low and moderately low risk respectively.

    While Fixed Deposits (FDs) are SDIC-insured up to S$75k and Singapore Savings Bonds (SSBs) are fully backed by the Singapore Government, they usually offer lower yields. In comparison, Income+ offers much higher yields than traditional fixed income products and is also much more flexible with no lock-in terms and withdrawal penalties.

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    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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    This website is developed and operated by Syfe Pte. Ltd. (“Syfe”), which holds a Capital Markets Services Licence and is regulated by the Monetary Authority of Singapore (Co. Reg. No. 201834952H). The information contained herein is provided for general information only and should not be used as a basis for making any investment or business decisions. Past performances are not necessarily indicative of future performances. Investment involves various risks, and you should ensure that you fully understand the risks, characteristics, and restrictions by reading the Risk Disclosure Statement, and determine if the investment products are suitable for your financial situation, investment objective, and risk tolerance before making any investment decisions. You are recommended to obtain independent professional advice where appropriate. All return figures shown are presented for informational purposes only and are not indications, predictions, forecasts, nor guarantees of future performance results, or the quality of an investment, are subject to change without notice and may differ or be contrary to opinions expressed by others. Syfe does not take responsibility for the calculation of assumed target returns, no representation or warranty is given as to the adequacy or reasonableness of the methodologies or assumptions used in calculating assumed target returns, and no reliance should be placed on any assumed target return. All rights reserved. Use of this website is governed by the Terms of Use. The content contained on this site is provided to users “as-is” without any express or implied warranty. Any third-party trademarks (including logos and icons) referenced in this website or the Syfe application are and remain the property of their respective owners and do not represent endorsements of any kind. Unless specifically identified, the use of third-party trademarks by Syfe and/or its affiliates does not indicate any relationship, sponsorship, or endorsement between Syfe and/or its affiliates and the owners of the trademarks and/or their respective affiliates. Any references by Syfe to third-party trademarks are intended to identify the corresponding third-party goods, services, and/or entities for informational and identification purposes. Any notification from the Syfe application is not a product advertisement that has been reviewed by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.
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