When it comes to investing, people tend to fall into three camps. Those who prefer to have their money managed for them, those who prefer to DIY (do-it-yourself) their investments, and those who dabble in a bit of both. No matter which camp you fall into, our goal is to make investing smart, affordable, and safe for you. Whether you’re questioning the exorbitant fees in your portfolio or second-guessing your latest stock pick, every investor can benefit from using Syfe.
Built for you
At Syfe, you come first. Your portfolio is built based on your personal risk profile, investment goals and time horizon. In fact, no two portfolios are the same – new portfolios are created every day for different risk levels.
What’s more, you’re never locked in with Syfe. You have the freedom to deposit and withdraw any amount you prefer – anytime – with no additional charges.
And if you prefer to talk to someone about your financial plans, we’re here for you too. Our wealth expert is just a phone call away from providing you unbiased advice on how you can reach your financial goals.
Your eggs in different baskets
A balanced, diversified investment portfolio is the key to building long-term wealth. When you invest with Syfe, we take care of diversifying your portfolio for you, allocating assets that offer the best return for your risk profile. A single Syfe portfolio for instance, gives you exposure to multiple asset classes covering 20 sectors across more than 15 countries.
What’s more, your Syfe portfolio doesn’t just hold individual stocks, bonds, or commodities. The investments we use to build your portfolio are known as Exchange Traded Funds (ETFs) – funds made up of multiple securities that track an underlying index. If you own the SPDR S&P 500 ETF, you are actually invested in all 500 US stocks the S&P 500 index contains. Simply put, ETFs come with built-in diversification. So when your portfolio is made up of ETFs, you automatically gain an additional layer of diversification right there.
There’s a reason why every Risk Disclosure statement proclaims: past performance is not a guarantee of future results. But while returns can never be accurately predicted, risk should always be managed.
That’s why we’ve developed ARI – short for Automated Risk-managed Investing – our proprietary investment methodology that helps investors achieve better risk-adjusted returns while keeping their portfolio risk in line with their predetermined risk level.
ARI detects tremors of volatility in the markets (or lack thereof), and rebalances portfolios accordingly and when required. If higher volatility is forecasted, ARI will automatically rebalance your portfolio allocation and reduce your exposure to higher-risk asset classes to keep your portfolio risk in check with your risk appetite.
The end result is that you can sleep more soundly at night knowing that ARI is monitoring your portfolio round the clock and making sure that you aren’t taking on excessive risk for no corresponding return.
Your money is secure 24/7
Syfe is regulated by the Monetary Authority of Singapore (MAS). We are licensed under the Capital Markets Services License (CMS100837) for retail fund management after meeting all stringent standards set by MAS for financial and investment services companies.
Funds in your Syfe account are held in a Trust Account in DBS Bank while your investments are held in a Custodian Account through Saxo Capital Markets. Your money and assets are held separately from Syfe’s assets. This simply means that no matter what happens, you’ll always have access and claim to your money and assets.
High fees eat away at your investment returns. While all investments have costs, an investment with a higher fee does not mean better performance. Controlling how much you pay in fees is the best way to optimise your portfolio.
Syfe helps you invest in a globally diversified, low-cost portfolio of ETFs while keeping your fees as low as possible. You pay a low annual fee of 0.4% to 0.65% for your assets under management (AUM). Unlike traditional investment management, Syfe does not charge you transaction or brokerage fees. There are no entry or exit fees and no hidden charges, so you get to keep more money in your pocket.
As part of our continuous efforts to improve the investing experience for our customers, we now absorb all US Securities and Exchange Commission (SEC) fees as well. This means you pay even less in fees when you invest with Syfe.
Invest, sit back and relax
Just as your money works harder for you when you invest it, we do all the heavy lifting for your portfolio. With a Syfe account, you never have to manually buy and sell shares again or spend time figuring out your ideal asset allocation when it’s time to rebalance your portfolio. We’ll handle all of it for you: trading, currency transfers, portfolio monitoring, rebalancing, dividend reinvesting, and monthly statements.
Time is money; think of all the additional things you can accomplish with the time saved from letting Syfe manage your money for you. More time with family and friends, more time for self-care, and more time for the things that matter most to you.
If you’re keen to go from saver to investor, or get on-board with our risk-managed passive investing approach, take our Risk Assessment now and open your Syfe account in three easy steps.