Celebrate another payday each month while your money stays invested.
Receive monthly payouts targeting up to 10% p.a., or reinvest automatically to compound returns.
Access passive income opportunities with some of the best-in-class income funds across global markets.
Access your money anytime, with no lock-in periods or withdrawal penalties.
*Income+ portfolio is built with an objective to achieve a target monthly payout range, in current market environment. Target monthly payout is not guaranteed, and is subject to market movements. Past distributions are not necessarily indicative of future trends, which may be lower. A positive monthly payout or distribution yield does not imply a positive return. Source: Syfe, fund factsheets. As of October 2026. Statistics are based on the weighted fund allocation within each Income+ portfolio. Learn more
Choose one or more portfolios based on your time horizon and risk tolerance.

Equity
55%
Bond
55%
Commodity
15%
TOP 5 sectors
US GOVT RELATED
100%
SECURITISED
100%
INVESTMENT-GRADE
100%
NON-usd developed
100%
emerging markets
100%
Last update: 31 May 2023 14:30 SGT
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 30 Apr 2023.

Bonds
55%
Others
15%
Equity
55%
TOP 5 sectors
US GOVT RELATED
100%
SECURITISED
100%
INVESTMENT-GRADE
100%
NON-usd developed
100%
emerging markets
100%
Last update: 31 May 2023 14:30 SGT
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 30 Apr 2023.

Bonds
55%
Others
15%
Equity
55%
TOP 5 sectors
US GOVT RELATED
100%
SECURITISED
100%
INVESTMENT-GRADE
100%
NON-usd developed
100%
emerging markets
100%
Last update: 31 May 2023 14:30 SGT
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 30 Apr 2023.

Enjoy the best of both worlds with attractive dividend payouts and capital appreciation.
Total return
Income+ PRESERVE
Bloomberg Global Aggregate Credit Index (SGD-H)
Since inception on June 2023
*Source: Syfe and product issuers. 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 are based on model portfolio returns with dividends reinvested 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 and/or supported by historical securities data. Different customer tiers may have different fee structures and performance of each portfolio may differ. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
Total return
Income+ ENHANCE
1/3 Blended Index: Global Credit, Global HY, EM
Since inception on June 2023
*Source: Syfe and product issuers. 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 are based on model portfolio returns with dividends reinvested 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 and/or supported by historical securities data. Different customer tiers may have different fee structures and performance of each portfolio may differ. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
Past 1 year Annualised return
Total return
Income+ Max
1/3 Blended Index: Global Credit, Global HY, EM
Since inception on 19 December 2025
*Source: Syfe and product issuers. 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 (19 December 2025) are based on model portfolio returns with dividends reinvested 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 and/or supported by historical securities data. Foreign currency exchange rates may cause the value of investments to go up or down and may affect investment returns. Different customer tiers may have different fee structures and performance of each portfolio may differ. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
Get started with a portfolio that best suits your income needs.
Income+ Preserve | Income+ Enhance | NEW Income+ Max | |
|---|---|---|---|
Objective | Steady income with lower risk | Higher income with capital appreciation | Maximise income with growth potential |
Composition | Focuses primarily on investment-grade bonds, including US Treasuries and corporate bonds. | Focuses on higher-yielding fixed income assets such as corporate and emerging-market bonds. | Focuses on global equities, bonds and gold. It seeks income from equity dividends, bond coupons and option premiums. |
Target Monthly payout | 5 - 5.5 % p.a. | 5.5 - 6.0 % p.a. | 8.0 - 10.0% p.a. % p.a. |
Duration | 4.9 yrs | 4.3 yrs | NA |
Credit quality | A+ | A- | NA |
Beta | 0.13 | 0.21 | 0.29 |
Risk rating | Low | Moderately low | Moderately high |
Currency | SGD | SGD | USD |
Save as much as 60% on fees and taxes compared to traditional investing.
| DIY | Income+ Preserve | Income+ Enhance | NEW Income+ Max | |
|---|---|---|---|---|
| Fund Level fees | 1.53% Individual Investor | 0.68% Institutional | 0.65% Institutional | 0.44% ETFs |
Trailer Fee Rebate | 0% | 100% | 100% | NA |
| Sales Charges | Subject to broker | 0 | 0 | 0 |
* 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. As of 30 Apr 2023. View pricing
Enjoy higher yields and more regular payouts with no lock-in or penalties.
| Income+ | Fixed Deposit | Singapore Savings Bonds | T-bill | |
|---|---|---|---|---|
| Targer monthly payout | 5.0–10.0% p.a. | NA | NA | NA |
Payout frequency | Monthly | Varied by terms | Every 6 months | At maturity |
| Tenor | Flexible | 3 - 36 months | Up to 10 years | 6 months to 1 year |
| Withdrawal time | 4-5 business days Income+ Preserve & Income+ Enhance 2-3 business days Income+ Max | 2-3 business days | Up to 1 month | 2-3 working days |
| Withdrawal penalty | None | Fees & loss of accrued interest (for premature withdrawals) | None | Can be sold (full amount invested not guaranteed) |
Income+ is a moderately low to moderately high 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
Markets change, but the need for dependable income doesn't. Enter Income+, a family of strategies built with the world’s leading investment managers – using bonds, dividends and options to power your monthly payouts, with room for your capital to grow. Read the Investment Strategy documents to find out more.

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.
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.
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.
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.
There is no lock-in period for any Syfe Wealth portfolios, you can withdraw your funds at any time with no withdrawal fees charged.
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.
Investors should consider the investment objectives, risks, charges and expenses of the constituent funds carefully before investing. This and other information is contained in the constituent funds’ prospectus. Please read the constituent funds’ prospectus carefully before you invest or send money. Past performance is not a guarantee or a reliable indicator of future results and no guarantee is being made that similar returns will be achieved in the future.
Learn moreMonthly payout ranges are computed based on the weighted average of the annualised historical distribution amount or dividend/distribution yield of the constituent funds from the latest three months. The upper and lower bounds of the range are rounded up to the higher 0.5% and down to the lower 0.5% respectively. The dividend amount or dividend yield of the constituent funds is not guaranteed. Past distributions are not necessarily indicative of future trends, which may be lower. A positive monthly payout or distribution yield does not imply a positive return.
Learn moreDuration is a measure of the sensitivity of the price of a bond to a change in interest rates. Generally, the higher a bond’s duration, the more its value will fall as interest rates rise, because when rates go up, bond values fall and vice versa. Duration of the portfolio is the weighted average of the duration of the individual bonds held in the constituent funds of the portfolio.
Learn moreCredit quality gives a snapshot of the portfolio's overall credit quality. It is an average of each bond's credit rating held in the constituent funds, adjusted for its relative weighting in the portfolio.
Learn moreBeta vs S&P 500 measures the volatility of the returns of the portfolio against the broader market (S&P 500). It is a measure of risk and allows investors to gauge how sensitive the portfolio might be to macro market risks. For positive equity beta below 1, a lower equity beta value implies lesser risk as it denotes lesser positive correlation to the broader market while a higher value implies greater risk.
Learn moreTrailer 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.
Monthly payout ranges are computed based on the weighted average of the annualised historical distribution amount or dividend/distribution yield of the constituent funds from the latest three months. The upper and lower bounds of the range are rounded up to the higher 0.5% and down to the lower 0.5% respectively. The dividend amount or dividend yield of the constituent funds is not guaranteed. Past distributions are not necessarily indicative of future trends, which may be lower. A positive monthly payout or distribution yield does not imply a positive return.
Returns are calculated before fees (with dividends reinvested) unless otherwise stated. Performance prior to portfolio inception is based on backtested data derived from market proxies matching the strategy profile and may not reflect actual trading, including the impact of fees, transaction costs, taxes and timing differences. Foreign currency exchange rates may cause the value of investments to go up or down and may affect investment returns. Past performance is not indicative of future results.
Monthly payout ranges are computed based on the weighted average of the annualised historical distribution amount or dividend/distribution yield of the constituent funds from the latest three months. The upper and lower bounds of the range are rounded up to the higher 0.5% and down to the lower 0.5% respectively. The dividend amount or dividend yield of the constituent funds is not guaranteed. Past distributions are not necessarily indicative of future trends, which may be lower. A positive monthly payout or distribution yield does not imply a positive return.
Learn moreReturns are calculated before fees (with dividends reinvested) unless otherwise stated. Performance prior to portfolio inception is based on backtested data derived from market proxies matching the strategy profile and may not reflect actual trading, including the impact of fees, transaction costs, taxes and timing differences. Foreign currency exchange rates may cause the value of investments to go up or down and may affect investment returns. Past performance is not indicative of future results.
Monthly payout ranges are computed based on the weighted average of the annualised historical distribution amount or dividend/distribution yield of the constituent funds from the latest three months. The upper and lower bounds of the range are rounded up to the higher 0.5% and down to the lower 0.5% respectively. The dividend amount or dividend yield of the constituent funds is not guaranteed. Past distributions are not necessarily indicative of future trends, which may be lower. A positive monthly payout or distribution yield does not imply a positive return.
Learn moreReturns are calculated before fees (with dividends reinvested) unless otherwise stated. Performance prior to portfolio inception is based on backtested data derived from market proxies matching the strategy profile and may not reflect actual trading, including the impact of fees, transaction costs, taxes and timing differences. Foreign currency exchange rates may cause the value of investments to go up or down and may affect investment returns. Past performance is not indicative of future results.
You can tolerate moderately high volatility for potentially higher income or capital growth. Investments are focused on equities and high-yielding income assets.
Learn moreInvestors should consider the investment objectives, risks, charges and expenses of the constituent funds carefully before investing. This and other information is contained in the constituent funds’ prospectus. Please read the constituent funds’ prospectus carefully before you invest or send money. Past performance is not a guarantee or a reliable indicator of future results and no guarantee is being made that similar returns will be achieved in the future.
Investors should consider the investment objectives, risks, charges and expenses of the constituent funds carefully before investing. This and other information is contained in the constituent funds’ prospectus. Please read the constituent funds’ prospectus carefully before you invest or send money. Past performance is not a guarantee or a reliable indicator of future results and no guarantee is being made that similar returns will be achieved in the future.
Investors should consider the investment objectives, risks, charges and expenses of the constituent funds carefully before investing. This and other information is contained in the constituent funds’ prospectus. Please read the constituent funds’ prospectus carefully before you invest or send money. Past performance is not a guarantee or a reliable indicator of future results and no guarantee is being made that similar returns will be achieved in the future.
income+ PRESERVE
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
6.87%
duration
(YEARS)
AVG. CREDIT
QUALITY
6.87%
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
Factsheet
Prospectus
Annual report
PHS
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
Factsheet
Prospectus
Annual report
PHS
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
Factsheet
Prospectus
Annual report
PHS
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
income+ ENHANCE
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
Factsheet
Prospectus
Annual report
PHS
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
Factsheet
Prospectus
Annual report
PHS
PIMCO GIS Income Fund
IE00BSTL7535
Global multi-sector strategy with an objective of generating high current income and long-term capital appreciation
30%
global
high yield
yield to
maturity
6.87%
duration
(YEARS)
6.87%
AVG. CREDIT
QUALITY
6.87%
Factsheet
Prospectus
Annual report
PHS
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Country 1
4.25%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Information Technology
21.96%
Create or login to your Syfe account to view the full list of constituent funds.
US Gov. Related
May include nominal and inflation-protected Treasuries, Treasury futures and options, agencies, FDIC-guaranteed and government-guaranteed corporate securities, and interest rate swaps.
Securitised
The Securitised bucket will include Agency MBS, non-Agency MBS, CMBS, ABS, CDO, CLO, and Pooled Funds.
Investment Grade
Consists primarily of creditworthy corporate issuers having a debt rating of BBB-or greater by at least one of the recognised credit rating agencies or, if unrated, determined by PIMCO to be of comparable quality.
High Yield
Are bonds with a credit rating below investment-grade -typically "BB" or lower as rated by S&P or "Ba" or lower by Moody's. They typically offer a higher yield than investment-grade bonds but have higher risk.
Non-USD Developed
Includes developed market securities denominated in a currency other than the US Dollar.
Emerging Markets
Includes an emerging market security or other instrument economically tied to an emerging market country by country of risk. Short duration emerging markets instruments are emerging markets instruments with an effective duration less than one year and rated investment grade or higher or if unrated, determined to be similar quality by PIMCO. Emerging Markets includes the value of short duration emerging markets instruments.
Learn more
Source: Syfe, Bloomberg, fund factsheets. As of 30 June 2023. Statistics are based on the weighted fund allocation within each model portfolio.
Investors should consider the investment objectives, risks, charges and expenses of the constituent funds carefully before investing. This and other information is contained in the constituent funds’ prospectus. Please read the constituent funds’ prospectus carefully before you invest or send money. Past performance is not a guarantee or a reliable indicator of future results and no guarantee is being made that similar returns will be achieved in the future.
Income+ Preserve
YTD
11.57 %
Source: Syfe internal backtesting, using data from Bloomberg. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
YTD
11.57 %
Source: Syfe internal backtesting, using data from Bloomberg. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
Income+ Enhance
YTD
11.57 %
Source: Syfe internal backtesting, using data from Bloomberg. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
YTD
11.57 %
Source: Syfe internal backtesting, using data from Bloomberg. Past returns are not a guarantee for future performance.
Last update: 31 May 2023 14:30 SGT
US Gov. Related
May include nominal and inflation-protected Treasuries, Treasury futures and options, agencies, FDIC-guaranteed and government-guaranteed corporate securities, and interest rate swaps.
Securitised
The Securitised bucket will include Agency MBS, non-Agency MBS, CMBS, ABS, CDO, CLO, and Pooled Funds.
Investment Grade
Consists primarily of creditworthy corporate issuers having a debt rating of BBB-or greater by at least one of the recognised credit rating agencies or, if unrated, determined by PIMCO to be of comparable quality.
High Yield
Are bonds with a credit rating below investment-grade -typically "BB" or lower as rated by S&P or "Ba" or lower by Moody's. They typically offer a higher yield than investment-grade bonds but have higher risk.
Non-USD Developed
Includes developed market securities denominated in a currency other than the US Dollar.
Emerging Markets
Includes an emerging market security or other instrument economically tied to an emerging market country by country of risk. Short duration emerging markets instruments are emerging markets instruments with an effective duration less than one year and rated investment grade or higher or if unrated, determined to be similar quality by PIMCO. Emerging Markets includes the value of short duration emerging markets instruments.
Source: Syfe, Bloomberg, fund factsheets. As of 30 June 2023. Statistics are based on the weighted fund allocation within each model portfolio.