core growth
For investors looking to capture long-term growth from the stock market while adjusting for risk.
SIGN UP WITH
Invest in 5,000+ global stocks, with a small allocation to bond and gold to manage risk.
7.80
% p.a. returns (8Y). Optimise for the long-term growth of the stock market.
Compound returns with automatic dividend reinvesting and recurring transfer plans.
Our
Smart Beta
investment strategy
Portfolio aims to maximise risk adjusted return by taking country, sector, credit and interest rate risk. Optimised by incorporating smart beta factors that enhances long term returns, reduces volatility, and improves diversification.
learn moreComposition
Access diversified, institutional-grade solutions
in one portfolio.
Equities
69.01%
Bonds
25.63%
Commodities
5.36%
Treasuries
30.19%
Industrials
11.74%
Commodities
10.65%
Financials
8.78%
OTHERS
38.63%
Last update: 31st March 2025 14:30 SGT
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
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Past performance
Our Smart Beta strategy optimises your portfolio’s equity component to outperform the markets over time.
core GROWTH
avg ann return (8y)
7.80
S&P TARGET RISK GROWTH (SPTGGU)
avg ann return (8y)
3.85
core Growth
SPTGGU
Past returns are shown for illustrative purposes only. They are calculated before fees and in SGD terms unless otherwise specified. The past returns since inception (31 March 2021) 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.
Last update: 31st March 2025 14:30 SGT
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc
Projected returns
Versus S$40,000 when left uninvested
+ $500 monthly investment for 5 years
Core Growth
Forecast range
To forecast future returns, we use sophisticated techniques such as the forward-looking Monte Carlo simulation to determine a realistic range of return for you.
2023
Optimistic
If the global financial environment is extremely positive then you might see this return. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Median probability
If the global financial environment performs as expected then this is the median expected return. There is a 50% likelihood your portfolio return will be at or above this number.
S$3,207,874
Conservative
If the global financial environment is extremely negative then you might see this return. There is 95% likelihood your return would be at or above this number.
S$3,207,874
Featured ETFs in
your portfolio
Xtrackers S&P 500 Equal Weight UCITS ETF
Equal weighted exposure to top 500 US stocks.
VanEck Morningstar Wide Moat ETF
Exposure to attractively priced companies with sustainable competitive advantages.
Dimensional US Targeted Value ETF
Exposure to small and mid cap US value companies.
iShares US Aggregate Bond UCITS ETF
Exposure to the broad US Dollar denominated investment grade bond market.
Comparing portfolios
Get started or diversify your investments with a portfolio that best suits your needs.
core growth
risk rating
Moderately high
annualised returns (8Y)
asset allocation
recommended investment horizon
Medium-long
(5+ years)
core equity100
core balanced
core defensive
High
Moderately low
Low
Long
(10+ years)
Medium
(3+ years)
Short
(2+ years)
Why invest with Syfe?
Learn how our Core portfolios stack against other strategies like traditional ETF investing.
syfe core
diy etf investing
cdp and brokerage account
Not required
Required
expected returns
Per index
Dependent on
individual skill and experience
automatic dividend reinvestment
biannual rebalancing
management fees
All-inclusive fee at
0.25% to 0.65% p.a.
Commission and brokerage fees payable per trade
TIME REQUIRED
Low
Significant
asset class
%
Equity
69.01
Bonds
25.63
Commodity
5.36
equities
Bonds
commodities
ETF
SYM
BOL
CLASS
%
iShares Core S&P 500 UCITS ETF
Stocks in the 500+ biggest US-listed companies (market capitalisation weighted) such as Microsoft, Apple, Amazon, Facebook, Berkshire Hathaway etc
CSPX
15.66%
Xtrackers S&P 500 Equal Weight UCITS ETF
Stocks in the 500+ biggest US-listed companies (equal weighted) such as Hewlett Packard, Estee Lauder, Intel Corporation etc
XDEW
10.52%
Invesco QQQ Trust Series1
Stocks in 100 of the largest non-financial companies (market capitalisation weighted) such as Microsoft, Apple, Facebook, Google etc
QQQ
10.29%
VanEck Morningstar Wide Moat ETF
Stocks in attractively-priced companies with sustainable competitive advantages such as Bristol-Myers Squibb, Salesforce, Autodesk etc
MOAT
9.81%
iShares Core Global Aggregate Bond UCITS ETF
Global investment grade bonds
AGGU
9.06%
iShares MSCI EAFE ETF
Stocks in developed market equities, excluding the U.S. and Canada such as Nestle, Roche, Novartis, HSBC, BP etc
EFA
7.89%
iShares US Aggregate Bond UCITS ETF
Government bonds and other investment-grade bonds
IUAA
6.41%
SPDR Gold Shares
Physical Gold as underlying to 100% of the ETF
GLD
5.36%
Dimensional US Targeted Value ETF
Stocks in 1400+ small and midcap US-listed companies targeting profitability and attractive pricing such as Chesapeake Energy, Invesco, Sofi Technologies etc
DFAT
5.26%
iShares MSCI China ETF
Stocks in the 500+ smallcap to midcap China-listed companies such as JD.com, Ping An Insurance, China Construction Bank etc
MCHI
4.62%
iShares US Treasury Bond ETF
US government bonds with 1 to 30 years maturity
GOVT
2.93%
iShares Core MSCI EM IMI UCITS ETF
Stocks in over 3000 large, mid and small-cap emerging markets companies such as Taiwan Semiconductor, Tencent, Samsung, Alibaba etc
EIMI
2.71%
iShares TIPS Bond ETF
US government bonds whose face value increases with inflation
TIP
2.60%
KraneShares CSI China Internet ETF
Stocks in China-listed internet companies such as Tencent, Meituan, Alibaba etc
KWEB
2.25%
iShares 20+ Year Treasury Bond ETF
US government bonds with more than 20 years maturity
TLT
2.07%
iShares Broad USD High Yield Corporate Bond ETF
US-dollar denominated high-yield corporate bonds
USHY
1.30%
iShares iBoxx $ Investment Grade Corporate Bond ETF
US-dollar denominated investment-grade corporate bonds
LQD
1.26%
Stock
%
United States Treasury Note/Bond
23.82
Fannie Mae Pool
2.52
Japan Treasury Note/Bond
1.63
Apple Inc
1.24
Ginnie Mae II Pool
1.16
Freddie Mac Pool
1.13
Microsoft Corp
1.09
NVIDIA Corp
0.94
China Government Bond
0.94
Amazon.com Inc
0.79
sector
%
Treasuries
30.19
Industrials
11.74
Commodities
10.65
Financials
8.78
Information Technology
8.65
Consumer Discretionary
4.97
MBS Pass-Through
4.85
Health Care
4.41
Communication Services
3.78
Consumer Staples
2.97
Utilities
1.75
Agency
1.55
Materials
1.51
Energy
1.24
Real Estate
0.85
Supranational
0.59
Local Authority
0.57
Covered
0.36
Sovereign
0.36
Cash and/or Derivatives
0.18
CMBS
0.03
ABS
0.01
Countries
%
United States
70.37%
China
8.93%
Japan
2.67%
France
1.38%
Germany
1.26%
United Kingdom
1.71%
Italy
0.53%
Canada
0.5%
Spain
0.47%
Australia
0.71%
Switzerland
0.87%
Netherlands
0.51%
Taiwan
0.46%
Other
9.64%
Core GROWTH
Past returns
PERIOD
Syfe
Benchmark
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
YTD
-1.81
-0.33
1 yr
8.02
5.19
3 yrs
3.77
2.68
5 yrs
9.76
3.64
8 yrs
7.8
3.85
10 yrs
7.65
3.79
Since Apr 2013
9.26
4.77
PERIOD
Syfe
Benchmark
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
2025
-1.81
-0.33
2024
17.49
10.26
2023
11.94
9.35
2022
-18.64
-14.59
2021
16.49
7.13
2020
17.82
7.72
2019
22.14
12.56
2018
-3.74
-0.76
2017
9.68
1.46
2016
12.28
7.19
2015
6.25
5.88
2014
13.24
9.11
2013
16.04
5.61
PERIOD
Syfe
Benchmark
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
SP Target Risk Growth
Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk
YTD
-1.81
-0.33
1 yr
8.02
5.19
3 yrs
11.73
8.26
5 yrs
59.3
19.56
8 yrs
82.31
35.31
10 yrs
109.04
45.08
Since Apr 2013
191.47
75.52
FAQs
How do the Core portfolios work?
The Core portfolios comprises stock, bond, and gold ETFs that aim to provide global diversification and better risk-adjusted returns.
The portfolios are constructed using an Asset Class Risk Budgeting approach to achieve a relatively stable asset allocation making them ideal for passive investing.
The equity component of the Core portfolios are further optimized using Smart Beta factors namely growth, large-cap and low-volatility factors. To improve risk-adjusted returns, the Core portfolio also holds an increased exposure to technology and Chinese stocks.
Clients can choose from three different Core portfolio types depending on their investment goals, time horizon and risk appetite: Core Defensive, Core Balanced, Core Growth
