Syfe REIT+

JetStorm

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Investors may also prefer to invest something they know about and closer to home. Sure world reits may super perform, but I dont know those companies.
 

Okenba

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Some questions we may ask:

- What are the performances of the funds if we look back more than 1 year? 5, 10, 20 yrs? Year-by-year?

- What is the geographical distribution of the funds? Eg. The US is now talking about housing bubbles. It should be quite easy to see why a fund that is heavy in US reits would be doing well over the past year, but at the same time, it would also carry much heavier risk.

- What is the management cost (or even Initial Charge) of the funds? We should also look at performance *after* the charges have been factored in, not before.

- Are there other fees involed? (Some funds I have seen charge 'performance fees', where if the fund does well, they take an additional fee for doing well.) Again, do the performance figures include that? Because it will certainly fit into investor performance.

- And because these are all actively managed, we should also be looking at what is the past performance of the managers working on the funds? Do they have strong, above average historical returns in this or other funds? If not, why would we believe that they can outperform in this fund?

I'm sure there are many more.
The point is not to make a decision because of 1 table that only looks at 1 year's results.
Do our own due diligence.
 

Kojo0403

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Some questions we may ask:

- What are the performances of the funds if we look back more than 1 year? 5, 10, 20 yrs? Year-by-year?

- What is the geographical distribution of the funds? Eg. The US is now talking about housing bubbles. It should be quite easy to see why a fund that is heavy in US reits would be doing well over the past year, but at the same time, it would also carry much heavier risk.

- What is the management cost (or even Initial Charge) of the funds? We should also look at performance *after* the charges have been factored in, not before.

- Are there other fees involed? (Some funds I have seen charge 'performance fees', where if the fund does well, they take an additional fee for doing well.) Again, do the performance figures include that? Because it will certainly fit into investor performance.

- And because these are all actively managed, we should also be looking at what is the past performance of the managers working on the funds? Do they have strong, above average historical returns in this or other funds? If not, why would we believe that they can outperform in this fund?

I'm sure there are many more.
The point is not to make a decision because of 1 table that only looks at 1 year's results.
Do our own due diligence.
well-said
 

Okenba

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Coincidentally, kyith also did a one year analysis on some robo portfolios. But said right out that deciding based on one year performance is stupid.

It's a good read to see what he does with one years performance and what he thinks people should think about when selecting portfolios.

It's also good to note that Kyith is employed by Providend and they advocate long term investing with DFA and low cost index funds. I don't think this affects his analysis but it is always good to know the background of the commenter so we can look out for bias.

In my opinion, it's much better than most of the youtuber analysis out there.
 

s0crates

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Coincidentally, kyith also did a one year analysis on some robo portfolios. But said right out that deciding based on one year performance is stupid.

It's a good read to see what he does with one years performance and what he thinks people should think about when selecting portfolios.

It's also good to note that Kyith is employed by Providend and they advocate long term investing with DFA and low cost index funds. I don't think this affects his analysis but it is always good to know the background of the commenter so we can look out for bias.

In my opinion, it's much better than most of the youtuber analysis out there.
What he didn't highlight was that stashaway and Syfe has basically no track record relative to the funds used by moneyowl and Endowus.

If you actively tweak the portfolios, you need a track record else how else people gonna assess you? By performance la.

If you passively invest, then the performance of the fund you use is your track record.

Many people can just use VWRA or whatever index as their "track record" IF they can invest passively.

Unfortunately no one see it's that way.
 

dappermen

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Syfe reits is Novel but ....
ref to : tt Article
" When the low volatility and high dividend premium shows up, or when volatility picks up, the Syfe REIT, Balanced portfolio, AGGU and ARI will shine."
I m sorry but i Felt Syfe Reit100 High VOl & rather disaptg

Which i intro slightly better optns https://forums.hardwarezone.com.sg/threads/syfe-reit.6196988/page-18#post-135912776

Syfe hits bk!

Syfe-ETF-vs-Mutual-Fund.png
 
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Okenba

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That was hilarious. It's quite clear that Syfe is hitting back at Endowus for running that bit about sReits (Syfe is the ONLY Robo offering an sReits portfolio) in comparison to Global Reits. So Syfe now runs an article on ETFs in comparison to Unit Trusts (UTs are Endowus' primary vehicle for investment).

Before the table, they have a long para about: Understanding ETFs and unit trusts / mutual funds.
And they've raised the following points:
1) ETFs can be bought and throughout the trading day while UTs must take the end of day price.

Comment: Relevant if you're actually buying ETFs on the market, not quite relevant when you're buying ETFs through a Robo (as people do with Syfe), as you won't know the exact price you trade at anyway.

2) ETFs tend to be passively managed while UTs tend to be active. Success of the fund depends on whether or not the portfolio manager can consistently pick “winners”. 83% of all active fund managers have underperformed their benchmarks over the past 10 years.

Comment: True to a certain extent, but again irrelevant for Syfe customers, because all their portfolios (except 100% Reits+) are actively managed baskets of ETFs. So in the end, the success of an investor with Syfe depends on whether or not the portfolio manager can consistently pick “winners”. Therefore, there is no reason to expect them to do any better than active fund managers.

Point (2) in particular looks like a terrible own goal to me, so I will stop here for now.
 

dappermen

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realise why didnt syfe put in their usual mgt fees of 0.65-0.5% too??

Even if The chart / eg in the article shows calculations based on a sample $100,000 investment. In that case, Syfe's management fees is 0.4%.

oh the PLatform Fee is 0.65% management fees for Syfe and a platform fee of 0.60% for another fund platform in Singapore.


Syfe reits is Novel but ....
ref to : tt Article
" When the low volatility and high dividend premium shows up, or when volatility picks up, the Syfe REIT, Balanced portfolio, AGGU and ARI will shine."
I m sorry but i Felt Syfe Reit100 High VOl & rather disaptg

Which i intro slightly better optns https://forums.hardwarezone.com.sg/threads/syfe-reit.6196988/page-18#post-135912776

Syfe hits bk!

Syfe-ETF-vs-Mutual-Fund.png
 
Last edited:

dappermen

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f4ll3n

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has anyone encountered any discrepancies in (1) received-divs-for-eligible-units-held or (2) any transactions?
 

dgeralds

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nt sponsored
Good video. Seems like robos are not as good as expected.

I stared Endowus - one goal (using SRS) is July 21 and another goal (using cash) in Sep 21. Let me see how is progresses...
 

s0crates

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Good video. Seems like robos are not as good as expected.

I stared Endowus - one goal (using SRS) is July 21 and another goal (using cash) in Sep 21. Let me see how is progresses...

I think you are missing the point of the video - the way syfe is displaying returns is very misleading and confusing. Can you imagine clueless investors recommending friends with a small investing amount haolianing that their portfolio returns are great, when it is all from referral gains?

This is some MLM arrangement going on. They need to fix it.
 

dappermen

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Good video. Seems like robos are not as good as expected.

I stared Endowus - one goal (using SRS) is July 21 and another goal (using cash) in Sep 21. Let me see how is progresses...
wat Socrtates mentnd is true! but Syfe reit is Nt as promising as 1 tot!!!!!! the youtuber left a very Honest Point too!!!!!!
 

ekardo

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started early Sep, doing weekly DCA but every week I see Reit dropping..sigh..
 

Zinna

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15 Feb 2021 to be exact. Not doing DCA. I just randomly transfer.
Well, equity100 (and equity in general) took a nosedive yesterday and tending downwards this month, so if you have funds it could be good time to put some inside, even though for robos you don't really care much about trying to time and 'buy the dip'

My REITs today went into negative :s13: . Started around end Jan 2021 and DCA every other week. So far got strong relationship with our covid cases here, whenever lockdown or cases go up, REITs drop. Despite now still so many people crowding the malls
 
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