INCOME+
Earn passive income with monthly payouts
Regular, diversified income for capital preservation or appreciation
Powered by
INCOME+
Earn passive income with monthly payouts
Regular, diversified income for capital preservation or appreciation
Powered by
INCOME+
Earn passive income with monthly payouts
Regular, diversified income for capital preservation or appreciation
Powered by
INCOME+
Earn passive income with monthly payouts
Regular, diversified income for capital preservation or appreciation
Powered by
Monthly payout
4.0% to 6.0% p.a.
Powered by PIMCO, a global leader in active fixed income
Institutional fund access, at a fraction of the cost
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.
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
in any market condition
Purpose-built portfolios for all your income needs.
Income+ Preserve
Income+ Enhance
Objective
Steady income with capital preservation
Higher income with capital appreciation
Monthly Payout
4.0 - 4.5% p.a.
5.0 - 6.0% p.a.
Top Sectors
US Gov. Related
12
%
Securitised
33
%
Investment Grade
10
%
Non-USD Developed
28
%
Emerging Markets
10
%
US Gov. Related
26
%
Securitised
15
%
Investment Grade
18
%
High Yield
13
%
Emerging Markets
26
%
Portfolio Characteristics
Yield to Maturity
6.2
%
Duration
4.4
Credit Quality
A+
Beta
0.12
Yield to Maturity
8.1
%
Duration
4.1
Credit Quality
A
Beta
0.20
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.
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.
Income+
Fixed Deposit
Singapore Savings Bonds
Singapore Savings Bonds
SSB*
Payout frequency
Monthly
Varied by terms
Every 6 months
Every 6 months
Every 6M
Term
Flexible
3 - 36 months
Up to 10 years
Up to 10 years
Up to 10Y
Withdrawal time
2-3 working days
2-3 working days
Up to 1 month
Withdrawal penalty
None
Fees & loss of accrued interest (for premature withdrawals)
None
*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$1,000.00
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 Apr 2023 14:30 SGT. Refer to definition of Monthly Payout here.
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In July 2021, Syfe closed Series B funding round led by Valar Ventures, bringing total funding round to date to over US$52 million
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Frequently asked questions
Who is Syfe?
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?
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.
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?
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?
There is a minimum funding threshold of S$5,000 for clients to 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.
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?
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?
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.
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.
As featured in
Pronounced as
Sounds like life
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
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.
