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investment strategy

The science
behind our
Core portfolios

Investing is a journey. Our proprietary strategy is designed for you to stay on track and go further with your managed portfolios.

diversified

Reduce risk and enhance potential returns with globally-diversified portfolios across asset classes (stocks, bonds and gold) and sectors.

Cost-effective

We manage costs by using low-cost index strategies as the building blocks of our portfolios, so you keep more of your returns.

for the Long term

Our goal is to build long-term wealth. As this takes time, it is important to be invested and consistent however the markets may be.

Our investment process

01

Portfolio allocation

Each asset in a Core portfolio is selected based on their risk contribution so you get the most optimised allocations.

02

Factor 
investing

We use smart beta: a rules-based and systematic strategy that enhances long-term returns, reduces volatility and improves diversification.

03

Optimisation

Portfolios are optimised with the objective of maximising expected return for each risk level.


The portfolios are rebalanced every six months to address price / factor drifts and to maintain strategic asset allocation.

See it in action

No matter your investment goal, see how our strategy works with our four Core portfolios built for different time horizons and risk appetites.

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.

100% global equities to maximise long-term gains.

asset class

Equities

100%

Last update: 31 May 2023 14:30 SGT

MODERATELY HIGH RISK

Investments with greater allocation to equities or higher yielding assets that typically aim to provide mostly capital appreciation and/or high income potential.

Investments with greater allocation to equities or higher yielding assets that typically aim to provide mostly capital appreciation and/or high income potential.

Equity-focused for medium to long term growth.

asset class

Equities

100%

Last update: 31 May 2023 14:30 SGT

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.

Optimised asset allocation balancing risk and return.

asset class

Equities

100%

Last update: 31 May 2023 14:30 SGT

LOW RISK

Preservation of capital and the generation of regular income slightly above inflation or short-term money market rates.

Preservation of capital and the generation of regular income slightly above inflation or short-term money market rates.

Bond-focused for slow and steady appreciation.

asset class

Equities

100%

Last update: 31 May 2023 14:30 SGT

core equity100
Past returns
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Composition
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Technology Select Sector SPDR Fund

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK
2.41 %
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iShares Core MSCI EM IMI UCITS ETF

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK
2.41 %
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Utilities Select Sector SPDR Fund

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK
2.41 %
arrow
KraneShares CSI China Internet ETF

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK
2.41 %
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iShares MSCI China ETF

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

XLK
2.41 %
period
% of portfolio
Apple Inc (AAPL)
4.56 %
Microsoft Corp (MSFT)
4.48 %
Alphabet Inc (GOOGL)
2.20 %
Nvidia Corp (NVDA)
2.11 %
Amazon.Com Inc (AMZN)
2.02 %
Tencent Holdings Ltd (700 HK)
1.77 %
Pepsi Co. (PEP)
1.39 %
period
%
Information Technology
11.57 %
Consumer Staples
13.81 %
Healthcare
13.16 %
Consumer Discretionary
12.77 %
Communication Services
9.96 %
Financials
8.29 %
Utilities
5.26 %
period
% of portfolio
US flag
United States
74.31 %
china flag
China
14.82 %
japan flag
Japan
1.88 %
UK flag
United Kingdom
1.24 %
flag
France
1.03 %

ETFs as building blocks

An efficient and cost-effective way to invest passively in global markets, our selection of exchange-traded funds (ETFs) come with low fees, track their underlying benchmarks closely and have high trade volume.

expense ratio

The percentage you pay to ETF providers and fund managers for managing and operating your ETF. This includes management, trustee, custody, registration fees and other relevant expenses.

The percentage you pay to ETF providers and fund managers for managing and operating your ETF. This includes management, trustee, custody, registration fees and other relevant expenses.

actively-managed mutual funds

1 - 2%

Syfe core portfolios

0.16 - 0.24%

annual fee savings

0.76 - 1.84%

Past performance

Enjoy the best of both worlds with attractive dividend payouts and capital appreciation.

annual return period

CORE EQUITY100

MSCI WORLD INDEX

CORE EQUITY100

MSCI WORLD INDEX


Since inception on 31 Mar 2021

*Source: Based on Syfe’s internal backtested methodology with information obtained from fund managers. Past returns are shown for illustrative purposes only. They are calculated before fees and in USD terms unless otherwise specified. The past returns are based on most recent data available to us and may be different from what is shown. Past returns prior to portfolio inception date are based on our internal backtested data. Past returns are not a guarantee for future performance.

Last update: 31 May 2023 14:30 SGT

annual return period

core Growth

SPTGGU

core Growth

SPTGGU


Since inception on 31 Mar 2021

*Source: Syfe internal backtested data, BlackRock, Invesco, Vanguard and State Street. Past returns shown here are for illustration only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception are based on model portfolio returns which may not fully account for trading costs, tax implications and timing impacts. Past returns before portfolio inception date are based on our internal backtested data and are not a guarantee for future performance.

Last update: 31 May 2023 14:30 SGT

annual return period

core Balanced

SPTGMU

core Balanced

SPTGMU


Since inception on 31 Mar 2021

*Source: Syfe internal backtested data, BlackRock, Invesco, Vanguard and State Street. Past returns shown here are for illustration only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception are based on model portfolio returns which may not fully account for trading costs, tax implications and timing impacts. Past returns before portfolio inception date are based on our internal backtested data and are not a guarantee for future performance.

Last update: 31 May 2023 14:30 SGT

annual return period

core Defensive

SPTGCU

core Defensive

SPTGCU


Since inception on 31 Mar 2021

*Source: Syfe internal backtested data, BlackRock, Invesco, Vanguard and State Street. Past returns shown here are for illustration only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception are based on model portfolio returns which may not fully account for trading costs, tax implications and timing impacts. Past returns before portfolio inception date are based on our internal backtested data and are not a guarantee for future performance.

Last update: 31 May 2023 14:30 SGT

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