Syfe REIT+ Comparison: 100% REIT vs REITs with Risk Mgmt (ended)

[kumokumo]

Go for a mix of Equities and REITS.
Avoid bonds, bonds are horrible now.

 

[twinklingstars]

Yeah, and if you're holding for very long term, then Syfe seems like the better option, in my opinion, since their management fee drops to 0.5% after $20k AUM and only 0.4% after 100k (though I don't think anyone in their right mind will hold $100k worth of REITs, but this figure might make sense if you invest in their other products - like Equity100 - since the fees are based on overall portfolio value held with them).

For me, only the 0.5% fee target is the relevant one since I only hold the REIT portfolio with Syfe. My equity portfolio is with Stashaway and IBKR.

But even if the management fees are equivalent to TER, the main difference is the ability to buy daily/weekly (at no additional cost), since REIT really fluctuate a lot in the short term.

Hi, I would like to clarify with you, why is it no good to hold $100K of reits. If let say my portfolio can hit a million eventually in 15 years' time, with most in etfs, and reits is my sg component, approx 15%, reits will hit more than $100K in such a portfolio.

 

[s0crates]

Curious, why not moneyowl? They don't charge fee for first 10k, use SGD funds and are very broad diversification, wouldn't they be cheaper?

 

[rabboni]

Curious, why not moneyowl? They don't charge fee for first 10k, use SGD funds and are very broad diversification, wouldn't they be cheaper?

Yea i have some funds in moneyowl too.
I’m not sure why it’s not as well recommended as the other 3. Less advertising ?

They invest In Dimensional funds , similar in some as endowus.

 

[fraggiepro]

Curious, why not moneyowl? They don't charge fee for first 10k, use SGD funds and are very broad diversification, wouldn't they be cheaper?

I think the first 10k free management is only for promotional period, not sure about that. I have personally used moneyowl also and dca monthly for retirement. I use syfe too as they have more products like reits and the new core product.

I use syfe more actively to dca manually accordingly to the market trend while moneyowl I just basically dca passively on a fixed monthly basis. To me syfe is abit more convenient and user-friendly as they have app available.

 

[fraggiepro]

Yea i have some funds in moneyowl too.
I’m not sure why it’s not as well recommended as the other 3. Less advertising ?

They invest In Dimensional funds , similar in some as endowus.

Ya another key diff is moneyowl is investing using unit trust while syfe and stashaway are using etfs.
https://www.moneyowl.com.sg/articles/why-unit-trusts-and-not-etf/

 

[tutonic]

Hi, I would like to clarify with you, why is it no good to hold $100K of reits. If let say my portfolio can hit a million eventually in 15 years' time, with most in etfs, and reits is my sg component, approx 15%, reits will hit more than $100K in such a portfolio.

I probably should've qualified things a bit more clearly. Yeah, no of course, you're right. As long as you keep REITs a set % of your overall portfolio, it'll be just fine.

My point, rather, was that the average layman investor will probably not hit 1million portfolio value, and so the $100k fee goal for REIT isn't really relevant in that scenario.

For those that aren't aware, blurpandasg2014 did a MoneyOwl vs Stashaway comparison thread a while back, linked here. Based on what I see, the returns not really that great.

 

[s0crates]

How's that a key difference. It's like saying eating chicken rice out of a styrofoam box and waxed brown paper is fundamentally different.

Just like how it's still basically eating chicken rice, investing through ETFs or unit trust is the same damn thing no?

Ya another key diff is moneyowl is investing using unit trust while syfe and stashaway are using etfs.
https://www.moneyowl.com.sg/articles/why-unit-trusts-and-not-etf/

 

[TehSi99]

Noob here.

I was reading the post and couldnt quite understand. Why couldnt we deposit one lump sum to syfe and they deduct when required?
Do it means syfe account cannot hold any monies?

 

[tutonic]

Noob here.

I was reading the post and couldnt quite understand. Why couldnt we deposit one lump sum to syfe and they deduct when required?
Do it means syfe account cannot hold any monies?

Whatever amount you transfer into Syfe, they invest into your portfolio straight away. So no, you cannot lump sum and expect them to keep a record on when you want to deduct on what date. It's not that hard to set up standing instruction. Literally just a few clicks and you're done.

 

[TehSi99]

Whatever amount you transfer into Syfe, they invest into your portfolio straight away. So no, you cannot lump sum and expect them to keep a record on when you want to deduct on what date. It's not that hard to set up standing instruction. Literally just a few clicks and you're done.

Ok thanks alot. I understand about standing orders which I have also been using to transfer monies monthly. Just do not understand why must have standing order to syfe. You explained it clearly.

 

[fraggiepro]

Whatever amount you transfer into Syfe, they invest into your portfolio straight away. So no, you cannot lump sum and expect them to keep a record on when you want to deduct on what date. It's not that hard to set up standing instruction. Literally just a few clicks and you're done.

Actually I feel that this is somewhere Syfe can improve on, I know of some robos that can allow you to park cash before deciding which portfolios to invest on. It will be good if they can have this cash account and maybe an added function for users to choose to opt in/out to invest in their cash management account for potential higher returns.

Another thing I'm unsure of is that the referral reward how do they choose which portfolio to reward to. Say currently they have rewarded me via the cash management account and if I terminate it, I'm not sure which portfolio will it then assign to.

 

[Heriophant]

REITS are equities after all, hence it's not surprising that it's dropping. However, I would still have it in my portfolio as S-Reits are known to be one of the best in the world and also for the dividend purpose. Personally, I will go 50% core, 25% equity and 25% reits and dca accordingly with the market trend.

Sianzzz, my reits portfolio was in the green all the while.. now -300 liao.. Syfe should set uup a stop loss system or sth like instant withdraw below x%

 

[TehSi99]

Sianzzz, my reits portfolio was in the green all the while.. now -300 liao.. Syfe should set uup a stop loss system or sth like instant withdraw below x%

When did you started your Reits portfolio?

 

[Heriophant]

When did you started your Reits portfolio?

Aug 2020. The new portfolio with chinese and us equitieis is doing better. Already up 3%.

 

[elf108]

Syfe sent out March news letter explaining the market drop and not to worry too much about reits drop recently. Just hold on will be fine.

 

[tutonic]

Updated for this week. Managed REIT still in the red, and the gap is widening.

My initial post at 8:43pm where both were in the red was based on yesterday's portfolio value. Syfe updated the portfolios at 9pm today. Seems like both portfolios gained a lot.

 

[Heriophant]

Updated for this week. Managed REIT still in the red, and the gap is widening.

My initial post at 8:43pm where both were in the red was based on yesterday's portfolio value. Syfe updated the portfolios at 9pm today. Seems like both portfolios gained a lot.

Lucky I reinvested dividedends. If not, sibei rei already..Wil slowly transfer funds out of REITs into Syfe Core over the next couple of weeks.

 

[Shutterfly]

Lucky I reinvested dividedends. If not, sibei rei already..Wil slowly transfer funds out of REITs into Syfe Core over the next couple of weeks.

Core is better?

 

[dappermen]

Core is better?

Yes, only if :

-u dont have your own etfs on china or tech stocks etc (but core's china nt alot & it duplicates in a way)
-fans of bonds, gold
-u dont hve syfe’s ARI (or stashaway) previously and u wanna have a hand in it....
-u r into protection and more protection(weak heart + so much volatility is a strict no-no) & u never believe that w 100% equity or more equity - it is destined to drop so much more and see more in the red (ie u never believe your robo portfolio could also be well-cushioned)
-u believe in correlation of stocks
- u r not a believer of income stocks/reits hence the swap/change