core equity100
For investors seeking maximum exposure to global stocks for long-term gains.
SIGN UP WITH
100% equity with diversified exposure to over 5,000 stocks and automatic dividend reinvesting.
Designed using low-cost index funds and optimised with proven factors like value, size, and quality for superior long-term returns.
Managed in partnership with top asset managers, using decades of experience and proven track record.
Composition
Access diversified, institutional-grade solutions
in one portfolio.
Equities
100%
legend 1
100%
legend 1
100%
legend 1
100%
legend 1
100%
others
100%
Last update:
31st August 2024 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 equity100 SRS
Returns (8Y)
11.56
MSCI All Country World Index
(Global stocks)
10.64
core equity100 SRS
MSCI All Country World Index
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 August 2024) 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 August 2024 14:30 SGT
Projected returns
Versus S$1,090,000 when left uninvested
+ $500 monthly investment for 15 years
Core Equity100
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
Core Equity100
Forecast settings
The amount of money you are looking to pay upfront in one single payment rather than in instalments.
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
The amount of money you are looking to pay in monthly instalments.
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
The number of years you are planning to invest in this portfolio
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
Featured funds in
your portfolio
Amundi Index MSCI World Fund
Exposure to 100 of the largest non-financial companies by market cap listed on Nasdaq, including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology
Amundi Prime USA Fund
Amundi Prime USA is an open-end fund incorporated in Luxembourg. The Fund's objective is to track the performance of Solactive GBS United States Large & Mid Cap Index (the "Index"), and to minimize the tracking error between the net asset value of the sub-fund and the performance of the Index.
Dimensional Global Targeted Value Fund
The investment objective of the Fund is to maximise long-term total return. The investment policy of this Fund is to purchase securities, including depositary receipts, of certain companies traded in global developed countries which the Investment Manager deems both eligible smaller companies and eligible value stocks.
Amundi Index MSCI Emerging Markets Fund
To track the performance of MSCI Emerging Markets Index (the Index), and to minimize the tracking error between the net asset value of the sub-fund and the performance of the Index.
Dimensional US Core Equity Fund
The investment objective of the U.S. Core Equity Fund (Fund) is to achieve long-term total return.
Comparison Table
See how our SRS eligible portfolio stands against others.
CORE equity100 SRS
Returns
(last 8 years)
Portfolio Management
Passively managed with factor based enhancements
Fund Level Fees
0.15%*
MSCI World
Active Funds based Equity Portfolio
10.80%
6.0-8.0%
Passive Index
Actively managed
Not possible to invest in the index
1.0-2.0%
Why invest with Syfe?
syfe EQUITY100
diy etf investing
cdp and brokerage account
Not required
Required
investment strategy
Systematic,
3-factor investing
Freestyle
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
RISK MANAGEMENT
Automated
Self-directed
Our
Smart Beta
investment strategy
Portfolio aims to maximise risk adjusted return by taking country and sector risk. Optimised by incorporating smart beta factors that enhances long term returns, reduces volatility, and improves diversification.
learn more
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Which SRS portfolio is best suited for you?
Core Equity100
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
Best-in-class INDEX FUNDS
Expertly Managed
comparison TABLE
CORE equity100 SRS
Returns p.a. (last 8 years)
Portfolio Management
Passively managed with factor based enhancements
Fund Level Fees
0.15%*
MSCI ACWI
Active Funds based Equity Portfolio
10.44%
6.0-8.0%
Passive Index
Actively managed
Not possible to invest in the index
1.0-2.0%
*Active funds based equity portfolio returns range assumes lower returns due to higher fees and active management underperformance.
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 (31 March 2020) 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.
Source: Syfe’s Research as of 31 August 2024
Income+
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.
Monthly Dividends
INSTITUTIONAL FUND ACCESS
No-lock ins
comparison TABLE
Income+ SRS
DIRECT Unit Trusts
Yield to maturity (%)
-
% p.a.
6.1% p.a. (Average)
Dividend Taxes
Trailer 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.
Trailer 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.
Optimised to minimise
dividend
withholding taxes
Depends on fund domicile
FX Risk
SGD Hedged
Depends on fund denomination
Fund Level fees
0.65%*
(Institutional funds)
1.5%+
(Retail funds)
Management / Access fees
0.25% to 0.65%
0.3 - 1.0% (Access fees) +
3.0 - 5.0% (Sales charges)
Portfolio and fund management
The portfolio is managed and advised by Syfe informed by PIMCO's forward looking views. Funds composed in the portfolio are actively managed by PIMCO.
Fund is managed by a single fund manager with a set objective. Fund managers seek to outperform market or benchmark.
Cash+ Flexi (SGD)
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
no lock-ins, No Minimums
accelerate your returns
LOW RISK PORTFOLIO
comparison TABLE
Cash+ Flexi (SGD)
Yield / Interest (%)
3.3% - 3.4%*
Term
None
Withdrawal
Risk
Very Low
Bank Savings Account
Fixed Deposits
T-bills
0.05%
2.90%
3.70%
None
6 months
6 - 12 months
Liquid
Early withdrawal penalties apply
No early redemption
Safe
Guaranteed
Guaranteed
*Projected yield as of 30 Apr 2024
Source: Treasury Bills Statistics (mas.gov.sg), DBS 6 month FD rate as of May 2024.
Cash+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Cash+ does not provide any guarantee or assurance of returns.
asset class
%
Equity
100 %
equities
FUNDS
ISIN
CLASS
%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
CapitaLand Ascott Trust
Real estate and real estate-related assets which are income-producing and predominantly used, as serviced residences, rental housing properties, and other hospitality assets.
CLAS
7.54%
7.54%
Stock
%
YTD
11.57 %
sector
%
Industrial REITs 4
10.5%
REITs Copy 2
10.5%
Industrial REITs 4
10.5%
Industrial REITs 4
10.5%
Industrial REITs 4
10.5%
Industrial REITs 4
10.5%
Countries
%
Country
11.57 %
Core Equity100
Past returns
PERIOD
SYFE
benchmark
YTD
11.57 %
PERIOD
SYFE
benchmark
YT2023D
11.57 %
PERIOD
SYFE
benchmark
YT2023D
11.57 %
FAQs
How can I start investing my SRS funds with Syfe?
Investing your SRS funds with Syfe is quick and easy. You may follow the below steps :
1. Open an SRS bank account with an SRS bank operator (DBS/POSB, OCBC, UOB). Once your SRS bank account is open, you may contribute into your DBS/POSB or OCBC or UOB account.
2. Once your above SRS bank account is ready, log into your Syfe app or website to select the portfolio you would like to invest in.
3. Provide your SRS bank details and deposit instructions (refer to this link to know how to find your SRS bank details). Your SRS bank details will be saved upon this step. In case you need to update your SRS bank account details or personal particulars such as changes to your NRIC/FIN, please reach out to [email protected].
4. Provide some additional personal details, employment & income details to continue onboarding to SRS portfolios.
5. Once the details are submitted, we will work on your instruction to debit funds from your SRS bank account. After debiting, we will invest your funds into your chosen portfolio. Please visit here to understand more about the various stages of investment.
What are the portfolios that I can invest on Syfe with SRS?
Syfe offers various investment options that can help you achieve significantly higher returns compared to the 0.05% annual yield from keeping your SRS funds in your SRS bank account.
By investing in Cash+ Flexi SGD, Income+ Preserve, Income+ Enhance, or Core Equity100, your SRS funds have the potential to grow over 70 times more than if left uninvested in DBS/POSB, OCBC, or UOB accounts.
What are the fees and charges on Syfe SRS portfolios?
Syfe charges a management fee depending on your Syfe pricing tier. Kindly refer to this article to learn more.
Fees applicable
- Cash Management Portfolios, 0.05-0.15% per annum
- Managed Portfolios, 0.25-0.65% per annum
For SRS Portfolios, are there other fees apart from Syfe’s management fee?
No. We strive to ensure SRS investing stays accessible and affordable, in fact, by consolidating your SRS investments into Syfe, you will be able to enjoy greater benefits.
How are my fees debited for SRS portfolios?
It will be same as the cash funded portfolios, fees are accrued daily based on your portfolio value (Net Asset Value) and reported within the app in the “FEES PAID” feature that can be found under the portfolio details page. At the end of the month, fees will be deducted and this will be reflected in the “TRANSACTION” feature.
In your monthly statement, you will find fees disclosed at each portfolio in the first 2 pages, and total fees in last page.
How long does it take from creating an SRS portfolio to start investing?
When you withdraw funds from your Syfe SRS portfolios, the securities you hold must be sold before the cash can be transferred to your bank account.
- Withdrawals to SRS banks (DBS/POSB, OCBC, UOB)
Under ordinary circumstances, Syfe processes your instruction to sell within 1 - 2 business days. However the sale of the funds within the portfolio takes anywhere from 5 to 9 business days.Once the portfolio has been liquidated, depending on the bank’s processing timelines, you should receive your funds within the next 1-2 business days. As such, this typically means that most customers can expect to receive their withdrawn funds in 2 weeks.
- Cash+ Flexi SGD: 5-6 business days
- Core Equity100 and Income+: 6-9 business days
- Withdrawals to other bank accounts
Note that SRS funds can only be withdrawn to your SRS Bank account (DBS/POSB, OCBC, UOB). If you had changed your SRS bank account during the course of your investment with Syfe, please contact [email protected] for assistance to update your bank details.
