Roboadvisor: Stashaway vs Syfe

[duhduhduh]

U do not hve to quote me if u r not interested too, the truth will speak for itself!

Did i ever say that robos will charge us those fees??? Those costs r alrdy embedded in the eventual units which u(they helped u to) purchased

What is the price that syfe reits100 for Eg buy into those stocks related to
Reit??!purely The exact stock price eg 10sgd listed the sgx only??! Of cos not , it is the trading price that sgx is gonna allow such transactions hence the price is more than 10sgd
U will not get 10sgd x 100units = if u hve invested/deposited 1k but u will get less than 100units w your 1k although the stock price is indeed 10sgd
U mean sgx allow institutional clients to buy stocks without paying for anything??!! what does sgx earns and surv??! Robos appearing not charging us those trading costs that doesnt mean it is not embedded....

Use your brain instead of spending time typing here instead!
And furthermore u r not the spokeperson of robos! Do know your foothold!

Whether regulars wish to partake any actions- is up to them, wont need u to recap and truth will speak for itself
If one do not understand my qn/point, u could have ask for clarificarion! Instead of hoping to get regulars to form a coalition so as to show me who call the shots here

Hello bro

I do think those exchange fees are embedded in to (OCBC Robo does that) but some other Robos never mention. But it is also possible that SGX may waive these fees for institutional clients because they want the volume and interest in the market. I mean, suddenly there this Robo fund getting into SG REIT, I think SGX will welcome them as well.

Maybe waiver of fees or lesser prcessing fees because all these institutional clients only process once as compared to retail investors where they process based on sheer volume.

 

[dappermen]

Hello bro

I do think those exchange fees are embedded in to (OCBC Robo does that) but some other Robos never mention. But it is also possible that SGX may waive these fees for institutional clients because they want the volume and interest in the market. I mean, suddenly there this Robo fund getting into SG REIT, I think SGX will welcome them as well.

Maybe waiver of fees or lesser prcessing fees because all these institutional clients only process once as compared to retail investors where they process based on sheer volume.

U really think logically and sensibly w your opening sttm Esp!
Yes which is why i dont dare to assume and some r “unspoken” esp based on what i hve sold the sg income of stashawy....if ocbc doing it, i trust more than one might be doing too
Like u mentioned, i trust it is a lower(attractive)/ discounted rate instead
For us market, they hve plenty yearning to buy, the stock exchg there wouldnt care too much to offer discounts
And just like some funds explicitly mentioned they give back trailer fees .... but trailer fees for robo A and robo B is entirely diff! Depending on how they wanna build client relatnshp too...and the Aum of robo is diff too hence they will bargain and nego w diff stk exchg mkts or fund-selling co to set the best rates too (only a clown will believe that transacting on a stock exchg will come free without paying a gd price or having a gd win-win deal) i m sorry, as we all knw- nothing is free, isnt it
I trust only endowus openly shared Some of their pf rates but but i dont rem fsm, stashwy esp or uob etc dbs bank does so...

I qn mbrs they ought to be checking and asking too: nothing wrong w sharing and asking

U should be asking are there all sort of stk exchange charges/brokerage charges...

But really appreciate u sharing it i know stashway and some will not share the full cost/truth ie ok, i knw this is how biz make money too!
It is really hard truth for Some to swallow , even as the spokepersons of robo there is no requiremt to share tthe full truth too


https://forums.hardwarezone.com.sg/132773009-post961.html

 

[Crimsom]

Those Syfe returns are referring to the Syfe Equity 100 portfolio. Their ARI portfolio a lot of questionable rebalancing timings that ended up losing money for a fair number of people. If you got the time, you can dig up the threads from the March - June 2020 period.

If you want to stick with Syfe, I think Equity 100 is the better product if you're looking at something long term. However, you can also consider switching to Stashaway's 36% portfolio. I'm pleased with my returns so far (started Nov 2019). Time-weighted returns currently at 31.13%

Bought syfe ARI also before the pandemic.

They rebalanced and sold off the ETFs at the low price and buy bonds at high price around March last year. Until now still losing around 10%.

Whereas StashAway have recovered and make significant gains.

Meanwhile I’m very happy with Equity100 and reits100 from syfe.

 

[revhappy]

Has anybody noticed? Syfe max risk(25% downside) global ARI portfolio have increased their equity allocation from around 60% to now 75%. They have reduced both their bond and gold allocation. Looks like the recent turmoil in gold and bond markets made them think equities are safer than bonds and gold, lol.

 

[dappermen]

only Sa naively remains w so much gold!!!!!!!!

 

[zenify.me]

only Sa naively remains w so much gold!!!!!!!!

go their youtube video and ask freddy why allocate so much gold, you keep ask here no use one......

 

[dappermen]

How each of the robos input cashflow??

Syfe done the right way, i felt syfe has try to better themselves after observing stash

Syfe will only key in dividends into ur pf upon eg Ascendas-iTrust only upon div paid on 26feb

https://www.sgx.com/securities/equities/CY6U
But i m sorry, not for stashawy: sA will tend to increase your returns/profits once the announcement is made(pardon my memory, if nt latest by ex-date) they will key all divs in
Hence your returns will seemd bloated earlier (cos sg income SA been in the red)
Conceptually nothing wrong w such “early accounting” for “gd news” of divs added into your return... but u never know what exactly will happend from the div announcement date till u.....
I still pref how syfe is doing it, they will only key in upon actual recving of your divs
What is the rush to quickly bloat up your div recd so early??! Gd stuff worth waiting!






My stashaway sg income pf sucks big time, hence i sold it after it was -ve for a damn f**king long time (pardn my lang)
urs is stashaway global eqty right??? I m still keeping its global

Bought syfe ARI also before the pandemic.

They rebalanced and sold off the ETFs at the low price and buy bonds at high price around March last year. Until now still losing around 10%.

Whereas StashAway have recovered and make significant gains.

Meanwhile I’m very happy with Equity100 and reits100 from syfe.

 

[dappermen]

go their youtube video and ask freddy why allocate so much gold, you keep ask here no use one......

I didnt ask or qn them lah.... if extremly unhappy w it ,will sell the 36% risk by now - i m a fast mover!

u stALKg me? lol

it is an undeniable fact they hve too much gold 4 36% risk 's equty pf

mbrs used obsessn to described Sa - https://forums.hardwarezone.com.sg/...tashaway-vs-syfe-6092311-6.html#post132202507

 

[Crimsom]

My stashaway sg income pf sucks big time, hence i sold it after it was -ve for a damn f**king long time (pardn my lang)
urs is stashaway global eqty right??? I m still keeping its global

Yes global under SA. Didn't buy their income portfolio

 

[Joe Maya]

Ok guys to everyone who are using the robo-advisors, do not keep on checking everyday.

Go out, have a coffee and check again at the end of March.

 

[revhappy]

Syfe fell as much as the market in the Mar crash and then didnt even recover. These Robos work based on backtesting and what ratio worked in the past. But that is like looking in the rearview mirror, it may not work in future and clearly it is not working right now. I think when they say 25% downside, they are only focussing on the downside and there is no guarantee that you will get any upside. I think it is better we manage standard S&P500 ETF DCA ourselves, we will do better than Syfe.

 

[tutonic]

Syfe fell as much as the market in the Mar crash and then didnt even recover. These Robos work based on backtesting and what ratio worked in the past. But that is like looking in the rearview mirror, it may not work in future and clearly it is not working right now. I think when they say 25% downside, they are only focussing on the downside and there is no guarantee that you will get any upside. I think it is better we manage standard S&P500 ETF DCA ourselves, we will do better than Syfe.

Yeah, the Syfe ARI portfolio really weird. Seems odd that still in the red given market has recovered for a couple months now. Those that made the switch to Equity100 made the right move.

 

[Mr. Wood]

https://www.eventbrite.sg/e/launch-of-syfe-core-tickets-142821961331

nvr receive email frm syfe but evenbrite alrdy announce

About this Event
Perfect for implementing the ideal core satellite investing strategy, Syfe Core consists of 3 portfolios that are purpose built for stable asset allocation, maximizing returns, and dollar-cost averaging, with an increased China focus. Join us, as we reveal more details about our latest portfolio: Syfe Core.

Date And Time
Thu, 4 March 2021

19:00 – 20:00

 

[mata_hippo]

is it possible to set up multiple instructions for stashaway ah? was thinking of splitting up the monthly payment (let's say X) into 2 times in the month

but cuz i've configured my stashaway as X amount deposit, so if i set up standing instruction to transfer X/2, will it only buy when it has X?

 

[dappermen]

but the Core portfolio is diversified across stocks, bonds and gold
bonds and gold - some may nt likeit

W AVG ANNUAL RETURN (LAST 8YRS)

11.23%
this is w the highest portn o Eqty - still 30% w gold & Bonds
https://www.syfe.com/core-growth


https://www.syfe.com/core?utm_mediu...source=campaign_monitor&utm_term=Explore more


duplicate o HST - With exposure to top-performing Chinese stocks

somewt similr to its curr Globl aRI, if nt stshwy

my Stashawy of risk profile of 36%!!!shared previously too
.......................... Performance.....Weightage
China-tech KWEB....Top1 ............Highest
AAXJ ...................... Top3 .............Lowest
Consumer Discr XLY....Top2 ............Top3rd
SPEM (Emerg mkt)......Top4.............Lowest 3rd
Gold......................Lowest ............Top 2
(out of a total 8 ETFs)
b reminded: alwys ensuring an optimal balance or reallocation in your portfolio=
understand what are the correlation factors among the assets of your portfolio. It probably makes no sense if all the assets in your portfolio are strongly correlated to each other in performance. For instance, you may think that buying all the various different ARK ETFs is a good choice as each of the ETFs seems to be a representative of a megatrend (EV, Genomics, Fintech etc). However, if you were to run a correlation analysis on the various ARK ETFs, you would realise that most of the ARK ETFs have a strong correlation factor of ~0.8 and above. Hence, you are actually not as diversified as you like to think as the various ARK ETFs could have the same performance given from what we understand historically. In this case, there is then no reason to be owning all of them since they will be performing identically in all market conditions. Ideally, you would want to have a portfolio of assets which have slight correlation/negative correlation to each other so that your portfolio is well balanced against each other.




o ya!
SA is also adding -

shared here -
https://forums.hardwarezone.com.sg/132745443-post28.html


Stshwy wil introduce 2 new ESG ETFs too:

iShares ESG Aware MSCI USA ETF
iShares ESG Aware MSCI Emerging Markets ETF

This means that StashAway’s investment algorithm will now be able to choose from a pool of ETFs that also includes the 2 ESG ETFs above. So, you might not see the ESG ETFs in your portfolio straight away, but they may be included in your next portfolio re-optimisation. These ETFs will complement our existing portfolios, enhancing our sustainability scores while maintaining a strong focus on risk-adjusted returns.

Just in case u need To change your auto-optimisation setting, simply log on to StashAway, go to Account > Settings > Auto Re-optimisation Preferences

 

[tutonic]

is it possible to set up multiple instructions for stashaway ah? was thinking of splitting up the monthly payment (let's say X) into 2 times in the month

but cuz i've configured my stashaway as X amount deposit, so if i set up standing instruction to transfer X/2, will it only buy when it has X?

Yes, you can set monthly deposit plan as $1000 (for example), and then do standing instruction $500 on 1st and 15th of every month. They'll just buy whenever they receive the $500 on the respective dates. Just need to make sure the monthly deposit plan fully covers the total that you're planning to set via standing instruction each month.

 

[mata_hippo]

Yes, you can set monthly deposit plan as $1000 (for example), and then do standing instruction $500 on 1st and 15th of every month. They'll just buy whenever they receive the $500 on the respective dates. Just need to make sure the monthly deposit plan fully covers the total that you're planning to set via standing instruction each month.

the purpose of splitting up is to sort of average out the ups and downs compared to a single mthly one

if they only buy when they have 1k, means no diff from the monthly transfer?

 

[tutonic]

the purpose of splitting up is to sort of average out the ups and downs compared to a single mthly one

if they only buy when they have 1k, means no diff from the monthly transfer?

Read what I wrote again...

They'll buy every time they receive that $500 from you (in the example I used). They don't wait till it hit 1k.

 

[mata_hippo]

Read what I wrote again...

They'll buy every time they receive that $500 from you (in the example I used). They don't wait till it hit 1k.

ahhh ok... paiseh i mis-read...

 

[assiak71]

So looks like syfe core is to address those who dont want ARI but prefer more static allocation

So is it gd? Didnt really read. Where does it rank among all the robo offerings

https://www.syfe.com/magazine/understanding-our-core-portfolio-strategy/