Beware of scammers impersonating Syfe and its officers or employees
Learn more
Beware of scammers impersonating Syfe and our employees

income+

Bringing you PIMCO's 
best-in-class fixed 
income strategies

The Income+ portfolio construction process includes PIMCO's forward-looking views and time-tested investment approach. 


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

Returns calculator

See how dividends can be automatically reinvested
into your SRS portfolio, helping you grow your 
savings effortlessly.

desired monthly DIVIDENDS
S$500
circle
WITH lump sum Investment OF
S$109,091
desired monthly payout
S$500
circle
WITH lumpsum Investment OF
S$109,091

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

Investments focused on equity markets that seek to provide high levels of capital appreciation over time.

Investments focused on equity markets that seek to provide high levels of capital appreciation over time.

Maximise returns with 100% equity portfolio built using the best-in-class, low cost index funds.
Avg ann return (8Y)
11.51
% 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)

11.51
%

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

Find out more

Income+

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

Investments that typically aim to provide a balance of income and capital appreciation.

Investments that typically aim to provide a balance of income and capital appreciation.

High income with capital appreciation. Powered by PIMCO®.
Yield to Maturity
6.4
-
6.9
% 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 (%)

6.4

  -  

6.9

% p.a.

6.1% p.a. (Average)

Dividend Taxes

Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.

Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.

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.

Find out more

Cash+ Flexi (SGD)

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

Preservation / relative safety of invested capital with returns in line with short-term money market rates.

Preservation / relative safety of invested capital with returns in line with short-term money market rates.

Stable, steady returns in line with Singapore money market rates.
Projected returns
3.5
% 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 (%)

3.75% - 3.85%*

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 30 Apr 2024
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.

Find out more