Syfe Robo advisor thread

[dappermen]

tks!!
i quite like the Co-relation chart although i return all my stats to teacher, kekekekeke


the biggest thing i like IEdge S-REIT Leaders Index is it has nearly captured all the Reits but it missed out a golden one (not sure why though) , it happened to be one of the rare stocks i been holding close to!!!!
what Iedge s-reit captured may not be all gd too: eg i m quite disappointed with CapitaR CHina trust, and starhil Especially!!!!!
and 1 of the ultimate loser is definitely first Reit!!!! (my friend told me he bought and regretted badly and u can see it with your eyes too, i never believe in friends or gossips , i alwys see it with my own brain) surprisingly it is in the Iedge (and it is the latest newly added!!!!)too
Not surprising, both Starhill and the First reits are all in the bottom10 lowest Governance & Transparency Index (SGTI)
which is why it is better to use the Robo then to pick stocks by stocks yourself to avoid too much disapptmt



So do take note that some parts of the files mentioned all the Reits in sg stk exchg, some mentioned purely those in the iEdge

https://api2.sgx.com/sites/default/files/2021-01/SGX%20Research%20-%20SREIT%20%26%20Property%20Trusts%20Chartbook%20-%20January%202021.pdf

 

[rottingapple]

glad that u see it for at least 3yr byond!!!! i hope u didnt sign up a Robo just cos many been proclaiming its high returns as though a Robo is a magician....

i admit i was drawn to high returns initially.

then i found my balances went negative in stashaway.

i realise things are not rosy as it seems.

now seems to rebound back positive for some reasons, i am a little worried. my 8k in stashaway that i Deposited since dec 2020, suddenly earning about $120.

my friend suggested that i should withdraw the monies until Biden budget speech reveals, avoid that volatile period, reinvest after 1mth later when things are more settled.

im a newbie here. not sure if i should take that approach.

 

[dappermen]

i admit i was drawn to high returns initially.

then i found my balances went negative in stashaway.

i realise things are not rosy as it seems.

now seems to rebound back positive for some reasons, i am a little worried. my 8k in stashaway that i Deposited since dec 2020, suddenly earning about $120.

my friend suggested that i should withdraw the monies until Biden budget speech reveals, avoid that volatile period, reinvest after 1mth later when things are more settled.

im a newbie here. not sure if i should take that approach.

u dont have to understand the technicality , anyway they wont shared every details & breakdown of costs to the exact of each cents charged (some i felt is hidden but it is ok as this is normal) ....too

Just tell yourself, evry in and out wil involve Forex conversion and nothing will come free....so dont happily exit and then buy in again & rem dont try to "time" the market
(unless u have a crystal ball + all the time of the world ) & keep thinking in the perspective of Mid-Long term investmt (i trust u alrdy have done so too, so on the whole u r on the right track)

Dont ever believe in rumours and gossips (eg many "wise men" been predicting stock mkt is about to crash in the bullish situation!) , dont be affected by "noise" / black swans, and.......just dont
U will never know what is in Biden's budget before that and also 1 will never imagine that Washington will be in such a state by Trump's supporter too (so much for USA's democracy!)

Investmnt and fi planning is meant for all ordinary men on the street , not just for PHDs in Fi planning/investmt....Financial literacy is a slowly built-up learning process too
this new yr must be a new start!! (while i m never an insurance lover) : wish to share this with u toohttps://www.instagram.com/p/CJnnMiNg1Kj/?igshid=ce8g1olec5kl&fbclid=IwAR3x37iX2D_oB-I5xGjZClPotUYSedbwGNzFswN19LWQKPXmj-ttWom8-rQ

 

[hwmook]

tks!!
i quite like the Co-relation chart although i return all my stats to teacher, kekekekeke


the biggest thing i like IEdge S-REIT Leaders Index is it has nearly captured all the Reits but it missed out a golden one (not sure why though) , it happened to be one of the rare stocks i been holding close to!!!!
what Iedge s-reit captured may not be all gd too: eg i m quite disappointed with CapitaR CHina trust, and starhil Especially!!!!!
and 1 of the ultimate loser is definitely first Reit!!!! (my friend told me he bought and regretted badly and u can see it with your eyes too, i never believe in friends or gossips , i alwys see it with my own brain) surprisingly it is in the Iedge (and it is the latest newly added!!!!)too
Not surprising, both Starhill and the First reits are all in the bottom10 lowest Governance & Transparency Index (SGTI)
which is why it is better to use the Robo then to pick stocks by stocks yourself to avoid too much disapptmt



So do take note that some parts of the files mentioned all the Reits in sg stk exchg, some mentioned purely those in the iEdge

https://api2.sgx.com/sites/default/files/2021-01/SGX%20Research%20-%20SREIT%20%26%20Property%20Trusts%20Chartbook%20-%20January%202021.pdf

Starhill is already not inside the index and Syfe did not purchase First REIT for me. Syfe is only buying the top 19 components now so they kind of deviate from the index.

 

[dappermen]

Starhill is already not inside the index and Syfe did not purchase First REIT for me. Syfe is only buying the top 19 components now so they kind of deviate from the index.

Starhill not inside? when? i just attended their webinar in dec i rem starhill was inside, i even screenshot it!? First reit is not even gd, so forget it!

u are displeased with the returns (when purchase)?

 

[hwmook]

Starhill not inside? when? i just attended their webinar in dec i rem starhill was inside, i even screenshot it!? First reit is not even gd, so forget it!

u are displeased with the returns (when purchase)?

Since July, starhill has been replaced by first reits in the index. Syfe somehow drop first reits themselves so now only got 19 reits instead of 20. I only started 2+ weeks ago and manage to get good returns.

 

[dappermen]

Tks for the update, anyway i truly dont feel first reit is not gd too!! It is clever of syfe not to have them in!!!
I looked at the survey results, not many clicked pleased w the results woh!!!!!!!!
Or they totally didnt invest but they done the poll??!!!!

hope this is updated - https://www.syfe.com/magazine/index...x-will-become-the-iedge-s-reit-leaders-index/

I cant find updated info of alll the components in the index too https://www.sgx.com/indices/products/sreitlsp

the strange thing is they kept CapitaR but Sgx /iedge didnt add in another gd China Reits (which i bought separately!!!!)

 

[Okenba]

my friend suggested that i should withdraw the monies until Biden budget speech reveals, avoid that volatile period, reinvest after 1mth later when things are more settled.

im a newbie here. not sure if i should take that approach.

I'm guessing as a newbie, you quite readily admit that you are not an expert (neither am i personally).
If you think your friend is an expert, you may wish to let him manage your finances.

When we buy into a robo, especially as novices, I think we are saying that it will do a better job than us in investing. So my advice is, trust that you have done your due diligence, and just let it ride. (Just be sure that if the market does tank, you won't end up selling when the price is low.)

Even if you buy at All-Time Highs, you can still be positive, so long as you have enough time to wait through it all.

https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/

 

[Machine_Gunnerz]

which product?

its 100% equlity

 

[rottingapple]

u dont have to understand the technicality , anyway they wont shared every details & breakdown of costs to the exact of each cents charged (some i felt is hidden but it is ok as this is normal) ....too

Just tell yourself, evry in and out wil involve Forex conversion and nothing will come free....so dont happily exit and then buy in again & rem dont try to "time" the market
(unless u have a crystal ball + all the time of the world ) & keep thinking in the perspective of Mid-Long term investmt (i trust u alrdy have done so too, so on the whole u r on the right track)

Dont ever believe in rumours and gossips (eg many "wise men" been predicting stock mkt is about to crash in the bullish situation!) , dont be affected by "noise" / black swans, and.......just dont
U will never know what is in Biden's budget before that and also 1 will never imagine that Washington will be in such a state by Trump's supporter too (so much for USA's democracy!)

Investmnt and fi planning is meant for all ordinary men on the street , not just for PHDs in Fi planning/investmt....Financial literacy is a slowly built-up learning process too
this new yr must be a new start!! (while i m never an insurance lover) : wish to share this with u toohttps://www.instagram.com/p/CJnnMiNg1Kj/?igshid=ce8g1olec5kl&fbclid=IwAR3x37iX2D_oB-I5xGjZClPotUYSedbwGNzFswN19LWQKPXmj-ttWom8-rQ

I'm guessing as a newbie, you quite readily admit that you are not an expert (neither am i personally).
If you think your friend is an expert, you may wish to let him manage your finances.

When we buy into a robo, especially as novices, I think we are saying that it will do a better job than us in investing. So my advice is, trust that you have done your due diligence, and just let it ride. (Just be sure that if the market does tank, you won't end up selling when the price is low.)

Even if you buy at All-Time Highs, you can still be positive, so long as you have enough time to wait through it all.

https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/

thanks bros. i will go do research. thanks for the advices.




by the way, what do u all think about Global ARI proposed by syfe? any peeps bought it?

i am thinking to throw my life savings into the least risky ARI 5%, going 32 this yr savings at about 100k+. had enough of the low interest rates in banks. i wonder if throwing into ARI is a good idea or not. bonds should be quite safe ?

 

[Kojo0403]

thanks bros. i will go do research. thanks for the advices.




by the way, what do u all think about Global ARI proposed by syfe? any peeps bought it?

i am thinking to throw my life savings into the least risky ARI 5%, going 32 this yr savings at about 100k+. had enough of the low interest rates in banks. i wonder if throwing into ARI is a good idea or not. bonds should be quite safe ?

Personally i don’t like the bond etfs offered by Syfe and StashAway due to withholding tax and mostly are US debt. Personally if i were to switch to robo to manage most of my portfolio, i would go with the agressive one with more allocation to stocks and buy bond etf in SGD or RMB currency listed on SGX instead for diversification.

 

[Okenba]

i am thinking to throw my life savings into the least risky ARI 5%, going 32 this yr savings at about 100k+. had enough of the low interest rates in banks. i wonder if throwing into ARI is a good idea or not. bonds should be quite safe ?

My understanding of bonds is that bond prices go up as interest rate falls.
With the money printing possibly leading to inflation, some people believe that interest rates will rise soon (though the fed has promised they won't).
If interest rates rise, bonds will fall.

On the flip side, they are unlikely to fall as badly as a stock market crash will, so they still provide ballast and will help to cushion the portfolio if the market crashes.

It may be worth pointing out that while market indices are at All-Time Highs, Treasuries and bonds are mostly also at All-Time Highs.

 

[imbecilelight]

oh.. i din know about the estate tax.. can u share more?

Saw this on Syfe's FAQ:

"Is my investment with Syfe subject to estate tax?

Eliezer Toh
3 months ago Updated

Estate taxes are generally applicable to your individual investments in US assets, even if you are not a U.S. citizen or resident. However, because Syfe invests your funds through an omnibus account held by a separate corporate entity, your ownership in assets purchased with such funds is indirect and therefore not likely to be subject to estate taxes.

That said, please note that this is provided for your general information only and should not be relied upon as any form of legal, tax or financial advice as we are not qualified to do so. For this reason, we recommend that you consult your own independent advisors before proceeding with any transaction."


After using StashAway for 3 months and saw small gains, I've finally started my Syfe's journey with 2K each in Reits+ and Equity100. Intend to DCA every month and shall see how Syfe perform against StashAway.

 

[rottingapple]

Personally i don’t like the bond etfs offered by Syfe and StashAway due to withholding tax and mostly are US debt. Personally if i were to switch to robo to manage most of my portfolio, i would go with the agressive one with more allocation to stocks and buy bond etf in SGD or RMB currency listed on SGX instead for diversification.

oh.. the gains i See in syfe account, is not yet deducted 30% withholding tax?

My understanding of bonds is that bond prices go up as interest rate falls.
With the money printing possibly leading to inflation, some people believe that interest rates will rise soon (though the fed has promised they won't).
If interest rates rise, bonds will fall.

On the flip side, they are unlikely to fall as badly as a stock market crash will, so they still provide ballast and will help to cushion the portfolio if the market crashes.

It may be worth pointing out that while market indices are at All-Time Highs, Treasuries and bonds are mostly also at All-Time Highs.

i am thinking of investing another 10k into equity100, reits+, and Global ARI 17% respectively then DCA regularly. i am not a risk taker but i feel positive about upcoming economy. at the same time the rest of my savings are probably sitting in FD. not sure if this is a good plan or not. currently going 32y.o this yr

 

[Okenba]

i am thinking of investing another 10k into equity100, reits+, and Global ARI 17% respectively then DCA regularly. i am not a risk taker but i feel positive about upcoming economy. at the same time the rest of my savings are probably sitting in FD. not sure if this is a good plan or not. currently going 32y.o this yr

It may be worth noting that the market isn't the economy. The economy in 2020 was rubbish, but the market was soaring like crazy. They don't necessarily move in tandem.

The main questions those who invest in robos may want to ask is: Will I sell if my portfolio drops? How much of a drop can I take?

17% ARI means it can lose 17%? If your 10,000 drops to 8,300 next week, what would you do? Because it might. You should have a plan for it.

If it loses more than 17%, what would you do? Would you panic because it doesn't fit the promised ARI? What is your plan for that.

Have a plan for the worst case scenario, look at it, and if you're fine with that, by all means sink your money in.

My plan is to ride it out, at least for the next 10 years.
(Disclaimer: I only have the 100% Reits+ portfolio. No Global ARI or 100%Equities etc.)

 

[rottingapple]

It may be worth noting that the market isn't the economy. The economy in 2020 was rubbish, but the market was soaring like crazy. They don't necessarily move in tandem.

The main questions those who invest in robos may want to ask is: Will I sell if my portfolio drops? How much of a drop can I take?

17% ARI means it can lose 17%? If your 10,000 drops to 8,300 next week, what would you do? Because it might. You should have a plan for it.

If it loses more than 17%, what would you do? Would you panic because it doesn't fit the promised ARI? What is your plan for that.

Have a plan for the worst case scenario, look at it, and if you're fine with that, by all means sink your money in.

My plan is to ride it out, at least for the next 10 years.
(Disclaimer: I only have the 100% Reits+ portfolio. No Global ARI or 100%Equities etc.)

thanks bro im thinking through, i get what u mean.

what do u guys think about reits with risk management? i think its quite a safe haven maybe im wrong.

how do u all See future reits prospects?

 

[revhappy]

Hi All,

My friend has invested in the Syfe global ARI max 25% downside risk portfolio. Yesterday his portfolio fell 0.5% when market was flat, so he is asking whether it is correct. There is no NAV to compare. So can people who have the same portfolio please tell me, if it really fell 0.5%, or is Syfe doing something funny here.

 

[dappermen]

gd move! so tht i wont need syfe core!!!

https://forums.hardwarezone.com.sg/...shaway-vs-syfe.6092311/page-53#post-133483523

 

[believe88]

as expected, 1st day of syfe core and immediately drop 0.8%. Will monitor for a month

 

[dappermen]

U can read more abt syfe core here https://forums.hardwarezone.com.sg/...h-vs-balanced-journal.6491191/#post-133421029