Roboadvisor: Stashaway vs Syfe

[dappermen]

Indeed. I looked up their LinkedIn profiles previously and he was some adjunct professor. But that’s about it.. unable to see trainings or direct experience. I could be wrong too. Anyway. If you look up Stashaway on LinkedIn you can see some of their staff from Ivy Leagues or with directly relevant industry experience.. a diverse team with breadth and depth.

Having said that.. my aum is still higher with Syfe. But thinking of consolidating into one account..

No, dont combine, their investment strategies still varied, so good to spread your eggs not all in the same basket/account

Although they are all diversified investmt

 

[dappermen]

I just registered Stashaway. Dump $200 to Simple and $200 to general investment at 18% risk to try try.

Better than go buy 4D

true! better than buying 4D! but 200sgd abit little to see any impact unless u r doing a mthly DCA?

u do realised that the Simple projected rate is currently @ 1.4% pa (previously before end Aug 2020 was 1.9%) right?

 

[dappermen]

Yes b it Reits from Stashawy or Syfe , i doubted they have amazing results even if u have purchased them before covid times

I have both 100 REITS and Equity100. Equity100 is doing well because of QQQ and the US market. Pure REITs never move much. Started both at the same time around mid July.

 

[undergrd]

Nowadays I dca more on my Syfe Equity than the Reits...

 

[twinklingstars]

Hi guys, I'm new to investing and am thinking of using robo first. I plan to start off with 3 robo, syfe, stashaway and endowus. Is it a good idea to start with $500 each and DCA $100/$200 every month

 

[tutonic]

Hi guys, I'm new to investing and am thinking of using robo first. I plan to start off with 3 robo, syfe, stashaway and endowus. Is it a good idea to start with $500 each and DCA $100/$200 every month

You can do that, and then after a couple months, drop those that you're unsatisfied with and focus on the robo(s) that you decide to stick with.

Personally, I went with Stashaway for my US ETFs and Syfe for the REITs.

 

[dappermen]

You can do that, and then after a couple months, drop those that you're unsatisfied with and focus on the robo(s) that you decide to stick with.

Personally, I went with Stashaway for my US ETFs and Syfe for the REITs.

Why Reits with Syfe and Not with Stashawy?

 

[Project_Xco]

Why Reits with Syfe and Not with Stashawy?

Only Syfe invest in Singapore REITS right now.

 

[dappermen]

oh !tks for correcting

Stashaway Income pf is on Reits ETF (35%) as well as diversified sources income from government bonds, corporate bonds,and stocks, giving you exposure to such ETFs
Reits ETF 35% (but a portion is on Asia ex Jp and sg)
https://www.stashaway.sg/r/stashaways-etf-selection
https://www.stashaway.sg/income-portfolio

 

[Project_Xco]

oh !tks for correcting

Stashaway Income pf is on Reits ETF (35%) as well as diversified sources income from government bonds, corporate bonds,and stocks, giving you exposure to such ETFs
Reits ETF 35% (but a portion is on Asia ex Jp and sg)
https://www.stashaway.sg/r/stashaways-etf-selection
https://www.stashaway.sg/income-portfolio

Yup Stashaway invest a bit into global Reits ETF. Some prefer Singapore ETF hence they go with Syfe.

 

[tutonic]

Why Reits with Syfe and Not with Stashawy?

oh !tks for correcting

Stashaway Income pf is on Reits ETF (35%) as well as diversified sources income from government bonds, corporate bonds,and stocks, giving you exposure to such ETFs
Reits ETF 35% (but a portion is on Asia ex Jp and sg)
https://www.stashaway.sg/r/stashaways-etf-selection
https://www.stashaway.sg/income-portfolio

Yup Stashaway invest a bit into global Reits ETF. Some prefer Singapore ETF hence they go with Syfe.

Yeah, precisely that. The current REIT % in Stashaway is really low; something like 35%, and they hold a lot of bonds too. After 6 months of monthly contribution into the local portfolio in Stashaway, I'm only up <1%. That's why I decided to make the switch to Syfe's REITs. So far very satisfied with it over Stashaway's local one.

Now, if only they stop adjusting the composition in the balanced REIT, I might even invest in that too. Based on what I see, Syfe seems to take a very aggressive approach when adjusting the composition. Whether that's good or bad is up to you ah. I personally don't like it. That's why I've been putting off on Syfe's balanced REIT (bonds + REITs). At least the 100% REITs portfolio won't kena re-balanced suddenly.

That's just my opinion, at least. I'm thoroughly satisfied with the 100% REIT portfolio so far.

 

[Laujiawen]

Hi all, need a little help.

I’m debating between opening pruwealth or investing via roboadvisor as I have no knowledge on investing at all. If invest, I’m thinking of investing $400-$500/mth. Any advice Syfe or Stashaway?

 

[tutonic]

Hi all, need a little help.

I’m debating between opening pruwealth or investing via roboadvisor as I have no knowledge on investing at all. If invest, I’m thinking of investing $400-$500/mth. Any advice Syfe or Stashaway?

Definitely roboadvisors.

Depends on whether you want to invest in local portfolio or US one. If it's the former, then Syfe's REITs will be a good choice. If it's the latter, then Stashaway, in my opinion. Just remember to use referral code when you sign up. You can PM me if you decide to go with either one and don't currently have a referral code since both parties will benefit, or if you have any other questions.

 

[Mr. Wood]

Hi all, need a little help.

I’m debating between opening pruwealth or investing via roboadvisor as I have no knowledge on investing at all. If invest, I’m thinking of investing $400-$500/mth. Any advice Syfe or Stashaway?

invest better.

pruwealth policy term at least 10yrs. if u hav dis long investment time frame, better go with robo advisors will give higher expected returns. pruwealth gives like 3% returns? if u are satisfy with 3%, better put it in CPF SA. at least gamen cannot run away. agents and insurance co more likely can run away.

personally i find the guys at stashaway more approachable and reply to queries faster.

 

[Laujiawen]

Definitely roboadvisors.

Depends on whether you want to invest in local portfolio or US one. If it's the former, then Syfe's REITs will be a good choice. If it's the latter, then Stashaway, in my opinion. Just remember to use referral code when you sign up. You can PM me if you decide to go with either one and don't currently have a referral code since both parties will benefit, or if you have any other questions.

Hi Tutonic,

Thanks for the advice and offer for refferal code, but I have already signed up using a referral I found on Stashaway way before I posted my ques here Anyw what’s the difference between local and US portfolio? Which one is safer and/or have higher interest? Ps, don’t think I’m able to PM

 

[Laujiawen]

invest better.

pruwealth policy term at least 10yrs. if u hav dis long investment time frame, better go with robo advisors will give higher expected returns. pruwealth gives like 3% returns? if u are satisfy with 3%, better put it in CPF SA. at least gamen cannot run away. agents and insurance co more likely can run away.

personally i find the guys at stashaway more approachable and reply to queries faster.

Hi mr wood,

Thanks for the advice. I don’t rlly have much knowledge on investing at all. Will it be safe to put $500/mth? Let’s say I start from Dec 2020 invest 500 monthly till Dec 2021 with a risk index of 10%, if I make a loss for whatever reason, how much would I make a loss?

 

[Barracudaz]

Hi mr wood,

Thanks for the advice. I don’t rlly have much knowledge on investing at all. Will it be safe to put $500/mth? Let’s say I start from Dec 2020 invest 500 monthly till Dec 2021 with a risk index of 10%, if I make a loss for whatever reason, how much would I make a loss?

It would be advisable to invest more than 3 years. Honestly speaking, a 1 year timeframe would be too short to see result

 

[Laujiawen]

It would be advisable to invest more than 3 years. Honestly speaking, a 1 year timeframe would be too short to see result

Hi barracudaz,

I will most likely put in for quite a few years. But would just like to know an example how much would I make a loss/profit for the amount I put in

 

[Joseph99]

Possible to use srs funds to dca in stashaway for US portfolio?

 

[Mr. Wood]

Hi mr wood,

Thanks for the advice. I don’t rlly have much knowledge on investing at all. Will it be safe to put $500/mth? Let’s say I start from Dec 2020 invest 500 monthly till Dec 2021 with a risk index of 10%, if I make a loss for whatever reason, how much would I make a loss?

there are few ways to define "safe".

dis is the standard answer from stashaway for 10% risk index:

a StashAway Risk Index of 10% has a 99% probability of not losing more than 10% in a year

https://www.stashaway.sg/faq/360007523033-what-is-the-stashaway-risk-index

but in reality, i think nobody can give a definite answer.

if u are new to investing, mayb u shud attend some of stashaway and syfe and see how they manage yr money.
https://www.eventbrite.sg/e/live-webinar-how-to-invest-the-right-way-with-etfs-tickets-124231420523
https://www.eventbrite.sg/e/meet-syfe-tickets-124502334835

my advise for beginners, buy ETF and only check once or twice a year to review. no need to check evyday.