{"id":2810,"date":"2025-11-06T16:08:20","date_gmt":"2025-11-06T08:08:20","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=2810"},"modified":"2025-11-06T16:08:21","modified_gmt":"2025-11-06T08:08:21","slug":"is-a-core-balanced-portfolio-right-for-you","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/is-a-core-balanced-portfolio-right-for-you\/","title":{"rendered":"Is A Core Balanced Portfolio Right For You?"},"content":{"rendered":"\n
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Whether you\u2019re a conservative investor, someone more growth-oriented, or lie somewhere in the middle, your investment style influences the way you invest.<\/p>\n\n\n\n

Are you someone who seeks positive returns over the long-term, and are comfortable taking a moderate level of risk to get there? A balanced investing approach may suit you best.<\/p>\n\n\n\n

The Building Blocks of a Balanced Portfolio <\/strong><\/h2>\n\n\n\n

As its name suggests, a balanced portfolio aims to balance risk and reward by holding both equities and bonds in a more or less equal split.<\/p>\n\n\n\n

The premise is simple: Equities and bonds tend to move in opposite directions. Equities provide greater return potential than bonds, but with greater volatility along the way. When stocks fall, bonds usually act as a counterweight to cushion the decline in stocks. By including both equities and bonds in your portfolio, you can strike a balance between growth and capital preservation. <\/p>\n\n\n\n

A balanced portfolio can be ideal for many investors. For example, you may have a financial goal (buying a property, your child\u2019s education, etc) that\u2019s about five to 10 years away. Or you may be new to investing and haven\u2019t had much experience with market ups and downs.<\/p>\n\n\n\n

Having a balanced portfolio means that while you\u2019ll take some risks to grow your investments moderately over time, you aren\u2019t likely to experience the large fluctuations an equity-heavy portfolio could encounter.<\/p>\n\n\n\n

A Look at the New Syfe Core Balanced Portfolio<\/strong><\/h2>\n\n\n\n

If you\u2019re looking for a balanced portfolio, Syfe\u2019s diversified Core Balanced portfolio<\/a> could be an option. It is a medium-risk portfolio designed for investors seeking moderate long-term growth.<\/p>\n\n\n\n

Here\u2019s a look at its asset allocation and geographical exposure<\/p>\n\n\n\n

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Core Balanced Snapshot: Updated as of 31 October 2025<\/em><\/figcaption><\/figure>\n\n\n\n

The portfolio invests in a diversified mix of equities, bonds and gold through quality exchange-traded funds (ETFs) that are managed by leading financial institutions such as BlackRock, Xtrackers and State Street.<\/p>\n\n\n\n

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Snapshot of Core Balanced ETFs<\/em><\/figcaption><\/figure>\n\n\n\n

In essence, the Core Balanced portfolio provides exposure to over 5,000 different companies from the world\u2019s fast-growing sectors. These include NVIDIA, Apple, Microsoft, Alibaba and Tencent Holdings.\u00a0<\/p>\n\n\n\n

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The stocks in your Core Balanced portfolio<\/em><\/figcaption><\/figure>\n\n\n\n

Enhanced factor exposure <\/strong><\/h2>\n\n\n\n

What sets the Core Balanced portfolio apart from others is its Smart Beta strategy. <\/p>\n\n\n\n

Syfe\u2019s Smart Beta strategy tilts the Core Balanced portfolio towards three classical factors: value, quality, and size. These factors have been selected to generate better risk-adjusted returns.<\/p>\n\n\n\n

Read More: A Smarter Factor Investing Strategy You Can Get Behind<\/strong><\/a><\/p>\n\n\n\n

To capture the benefits of these historically proven factors, we use the Dimensional U.S. Targeted Value ETF (DFAT)<\/strong> for comprehensive exposure to Size, Value, and Quality factors, while the VanEck<\/strong> Morningstar Wide Moat ETF (MOAT)<\/strong> and Dimensional U.S. High Profitability ETF (DUHP)<\/strong> together enhance the portfolio\u2019s focus on Quality and Profitability. We also use the Xtrackers S&P 500\u00ae Equal Weight UCITS ETF (XDEW)<\/strong> to increase your portfolio\u2019s exposure to Size while benefiting from its tax-efficient UCITS structure.<\/p>\n\n\n\n

Read more: Understanding Our Core Portfolio Strategy<\/em><\/a><\/p>\n\n\n\n

Historical performance<\/strong><\/h2>\n\n\n\n

The Core Balanced portfolio aims to maximise long-term risk-adjusted returns, as measured by the portfolio\u2019s Sharpe Ratio. With an 8-year annualised return of 5.71%<\/strong>, it has also outperformed its S&P Target Risk Moderate benchmark to date.<\/p>\n\n\n\n

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Annualised Returns<\/th>Core Balanced<\/th>S&P Target Risk Moderate<\/th><\/tr><\/thead>
Last 1 yr<\/td>11.66%<\/td>9.40%<\/td><\/tr>
Last 5 yrs<\/td>4.06%<\/td>4.46%<\/td><\/tr>
Last 8 yrs<\/td>5.71%<\/td>5.04%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Source: Syfe internal backtested data, as of 31 October 2025. Past returns are not a guarantee for future performance<\/em>.<\/p>\n\n\n\n

Managed for you <\/strong><\/h2>\n\n\n\n

As with all Syfe portfolios, we\u2019ll do the heavy lifting for your Core Balanced portfolio so you don\u2019t have to. This includes consistent monitoring, automatically reinvesting your dividends, and rebalancing your portfolio twice a year.<\/p>\n\n\n\n

The rebalancing is carried out in line with our focus on maximizing portfolio risk-adjusted returns, with asset allocation informed by our risk budgeting process and an optimized exposure to Smart Beta factors. <\/p>\n\n\n\n

Along the way, you\u2019ll be able to see how your portfolio is performing on your Syfe dashboard and make adjustments to your investment plan to keep on track with your goals.<\/p>\n\n\n\n

Built for regular investing<\/strong><\/h2>\n\n\n\n

Investing regularly, also known as dollar-cost averaging<\/a>, is key to growing wealth over time. With your Core Balanced portfolio, you can invest any amount you prefer and thereafter, set up a recurring bank transfer to invest on a regular basis. <\/p>\n\n\n\n

Think of it as a regular savings plan (RSP) but with absolutely no minimum investment amount or sales charge per transaction. In fact, Syfe absorbs all brokerage commissions, making Core portfolios more cost efficient than investing in the underlying ETFs on your own. <\/p>\n\n\n\n

Overall, investors only pay a low fee starting from 0.25%<\/a> per year for our services in managing their Syfe investments. <\/p>\n\n\n\n

Getting started <\/strong><\/h2>\n\n\n\n

If you\u2019re new to Syfe, create your Core Balanced portfolio by signing up here<\/a>. Our wealth experts<\/a> are also on hand to help you decide which portfolio type is right for you.\u00a0<\/p>\n\n\n\n

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Meanwhile, Syfe customers can add the new Core Balanced portfolio by clicking the \u201cAdd Portfolio\u201d button on their Syfe account dashboard. <\/p>\n\n\n\n

Need help? Check out our Knowledge Centre<\/a> for frequently asked questions about Syfe Core.<\/p>\n\n\n\n

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Explore Core portfolios<\/a><\/div>\n<\/div>\n\n\n\n

Read More:<\/h3>\n\n\n\n