Tag: reits

Syfe – Performance Aug 2021

On By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Here is yet another robo advisor that I get on my portfolio since the start of 2020. It has been okay I feel. Ever since 2020, it has been a year and till today – I’m not exactly convinced though.

I am caught in both minds. I like reits but yet I don’t quite like Singapore equities in general. Dividend paying equities are definitely good but yet I have more appetite for a growth company. It is just not that sustainable over the long term I feel. Where are the money coming from to build more creativity and expand their business.

Why Syfe?

When the markets were down during March 2020, it was quite exciting times because those were the kind of period which I actually will put money into investments. To a certain extent, I have also put money into other robo advisors such as Endowus and StashAway. While those are more of a “global diversification”, Syfe is more of a local bias for it’s Reits+ Portfolio and truth be told I then took the plunge for a small amount just to try it out a non-DIY approach to Reits investing.

Next, what I struggled with then over the period is that there were quite a discount off many equity tickers and I didn’t really know what to buy or what to expect since the market was in a downtrend. As with every investment, making a rational or emotional decision can only be determined after the event has passed. Reits has since risen, dropped and risen yet again. Frankly, I’ve been busy to keep looking into my own portfolio.

I haven’t got around to increase the investment funds so it is only a very small initial amount. Partly, my mind tells me to do dollar cost averaging for my other investments so we still have to see how things go.

Performance (August 2021)

 

12 months has gone by and +28.65% is pretty insane in my opinion. The last time I looked at this was 6 months ago in March 2021 and it has increased by slightly more than 5%. Then again, the base that I started out with is quite a fantastic benchmark so maybe that isn’t too fair. From here, there isn’t fresh funds invested as I am think more about my overall portfolio. I do think I have enough of the local investments and typically Singapore equities are rather slow and neutral in performance. Even the STI isn’t that exciting in my opinion. If you really look at a 50 year and beyond horizon for S&P 500, it is an amazing uptrend with good returns.

Do use my referral code to get some benefits when you sign up a new account with Syfe. Referral Code: SRPTSMQ5J

You will get (Find our more about their referral scheme here Syfe Signup) :

a. S$10 bonus if you invest S$500

b. S$50 bonus if you invest S$10,000

c. S$100 bonus if you invest S$20,000

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral and Recommendations

The pictures were taken from Syfe website for this article.

Syfe – Performance Mar 2021

On By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Here is yet another robo advisor that I get on my portfolio since the start of 2020. It has been okay I feel. Ever since 2020, it has been a year and till today – I’m not exactly convinced though.

I am caught in both minds. I like reits but yet I don’t quite like Singapore equities in general. Dividend paying equities are definitely good but yet I have more appetite for a growth company. It is just not that sustainable over the long term I feel. Where are the money coming from to build more creativity and expand their business.

Why Syfe?

When the markets were down during March 2020, it was quite exciting times because those were the kind of period which I actually will put money into investments. To a certain extent, I have also put money into other robo advisors such as Endowus and StashAway. While those are more of a “global diversification”, Syfe is more of a local bias for it’s Reits+ Portfolio and truth be told I then took the plunge for a small amount just to try it out a non-DIY approach to Reits investing.

Next, what I struggled with then over the period is that there were quite a discount off many equity tickers and I didn’t really know what to buy or what to expect since the market was in a downtrend. As with every investment, making a rational or emotional decision can only be determined after the event has passed. Reits has since risen, dropped and risen yet again. Frankly, I’ve been busy to keep looking into my own portfolio.

I haven’t got around to increase the investment funds so it is only a very small initial amount. Partly, my mind tells me to do dollar cost averaging for my other investments so we still have to see how things go.

Performance (March 2021)

12 months has gone by and +23.44% is pretty insane in my opinion. Then again, the base that I started out with is quite a fantastic benchmark so maybe that isn’t too fair. From here, there isn’t fresh funds invested as I am think more about my overall portfolio. I do think I have enough of the local investments and typically Singapore equities are rather slow and neutral in performance. Even the STI isn’t that exciting in my opinion. If you really look at a 50 year and beyond horizon for S&P 500, it is an amazing uptrend with good returns.

Do use my referral code to get some benefits when you sign up a new account with Syfe. Referral Code: SRPTSMQ5J

You will get (Find our more about their referral scheme here Syfe Signup) :

a. S$10 bonus if you invest S$500

b. S$50 bonus if you invest S$10,000

c. S$100 bonus if you invest S$20,000

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral and Recommendations

The pictures were taken from Syfe website for this article.

Exchange Traded Funds (ETF) – Reits Version

On By RistrettzIn Personal Finance SeriesLeave a comment

The Singapore equity market is really slow to say and there are only a handful of reits ETFs that were launched previously (that was like 3 to 4 years ago). Quite a number of people were rather yield starved back then. With that bullish USD interest rate hike (Before Covid-19) it was almost a guarantee that this will happen.

I kind of blame the media for setting off such rumours. The central bank will never act on just pure speculation but rather more than data and in today’s world. There will be even more data that they can ever get. A big economy like the USA is something that most people watch. This trend has slowly diminished after successful propaganda by the emergence of the Chinese. Don’t get me wrong, it is kind of good that they are getting their act together. It is just that there’s much more skepticism more than ever since anything and everything can be fake. The Chinese just look at profits over anything.

Back to the point here. I was trying to look for yield related stuffs that could add on to the portfolio. When I did a quick filter away from reits, there isn’t much that is available on the SGX that is sizeable. (i.e. blue chip enough) To diversify that reits risk, I went into the details and tried to see if I could mimic the fund portfolio. As it turns out, it might be too much of a challenge.

Diversification

Diversity lies in the location: Singapore, Hongkong, China, Australia with the scope to add on more countries according to the fund manager. (Exposes some FX risks along with fees, fund management, platform fees)

Diversity in the types of holdings: Office, retails, industrial, others and more diversified real estates (Exposes to certain sectors that are cyclical in nature)

Lower fees as compared to a fund, as it is structured as an ETF (Exchange Traded Funds), it’s annual management fees are also lesser than usual. (Cheaper but more passively managed)

Yield: Approximately 4-5% p.a. Nett for all the trouble. Perhaps even using different brokers and also different FX rates. Believe it or not, institutions get a better Forex rate just because they have the size to do so and sometimes. The fees on the allocation can be rather cheaper than a retail customer. It’s pretty much how you value it. Some people prefer total control, counting the pennies. (every cents counts) Some prefer to delegate via a fee based model.

Reits ETF

NIKKO AM – Straits Trading Asia Ex Japan ETF (Check that out here: Nikko AM reits ETF)

Philips SGX APAC dividend Leaders reit ETF (Check that one here: Poems reits ETF)

Both are much similar in context just that with Philips, the majority holdings will be Australian reits (about 60%) while Nikko AM will be the majority with Singapore reits (about 60%).

Always do your due diligence, after all everyone has different risk levels. There are always other options. ETFs are just one of the many tools.