What is Syfe Core?

• How do Core portfolios work?

  Syfe Core portfolios hold equities, bonds and gold in varying allocations. We use exchange-traded funds (ETFs) and individual stocks to represent each asset class to ensure that each portfolio is broadly diversified across sectors and geographies.

  Our portfolio methodology for Syfe Core rests on three guiding principles:

  • Asset Class Risk Budgeting
  • Smart Beta
  • Stable asset allocation

  Please see more details of our portfolio construction methodology here.

  Clients can choose from four different Core portfolio types depending on their investment goals, time horizon and risk appetite:

  • Core Defensive
  • Core Balanced
  • Core Growth
  • Core Equity100

   

   

  *The information contained herein does not constitute an offer, any solicitation, invitation or recommendation to engage in any investment activities.

  *By using a time series factor forecast, the forecast annualised return is for reference only and is not an exact reflection of the actual return received by the investors in all cases. Investors should be aware that positive distribution yield may not imply a positive return. The information or advertisement contained herein does not constitute an offer, any solicitation, invitation or recommendation to engage in any investment activities. Investors should consider his/her own circumstances.

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• Where can I see a list of the ETFs within Core portfolios?

  After registration, you can view the entire list via the ‘Add portfolio’ button on the Syfe client dashboard.

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• Can I change the ETFs within my Core portfolio?

  You will not be able to do so. The ETFs in your portfolio have been carefully chosen to offer you the most efficient portfolio allocation. Changing the individual ETFs may result in your returns being negatively impacted over time.

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• What are the risk levels of Core portfolios?

  The key difference between each Core portfolio is their exposure to stocks and bonds, which in turn determines their overall risk level. In a nutshell, Core portfolios with a greater equity allocation (and lower bond allocation) will have higher potential returns, but the addition of increased risk.

  Choosing between the four Core portfolios very much depends on your investment goals, time horizon, and risk appetite. Here’s a quick guide to help you understand which portfolio is right for you.

  • Core Defensive is a low-risk portfolio that’s ideal for conservative investors, or those approaching a particular financial goal
  • Core Balanced is a medium-risk portfolio that’s ideal for moderate investors with a mid-to long-term horizon
  • Core Growth is a high-risk portfolio that’s ideal for growth-oriented investors with a longer time horizon
  • Core Equity100 is a 100% equity portfolio that’s ideal for investors who are comfortable taking on higher risk for potential higher long-term returns

  Learn more about Core portfolio investment methodology here.

   

   

  *The information contained herein does not constitute an offer, any solicitation, invitation or recommendation to engage in any investment activities.

  *By using a time series factor forecast, the forecast annualised return is for reference only and is not an exact reflection of the actual return received by the investors in all cases. Investors should be aware that positive distribution yield may not imply a positive return. The information or advertisement contained herein does not constitute an offer, any solicitation, invitation or recommendation to engage in any investment activities. Investors should consider his/her own circumstances.

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• When will Core portfolios be rebalanced?

  The Core portfolios will be rebalanced twice a year in April and October in accordance with our asset allocation risk budgeting strategy and optimized exposure to smart beta factors that maximizes the long term risk-adjusted returns for the respective Core portfolios.

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• Is there a minimum investment requirement?

  As per Securities and Futures Commission regulations, we are required to verify your identity by a HKD 10,000 or USD 1,300 bank transfer from your bank account, in order to open a Syfe account for you. After account opening, there is no minimum investment amount to get started.

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• What are the fees charged for the Core portfolio?

  Our fees range from 0.35% to 0.65% per year based on the highest of your total assets under management or total invested amount across our investment portfolios. Amounts under Syfe Cash+ do not count towards your pricing tiers.

  You can view more details about our pricing tiers here. Syfe’s management fee covers everything from portfolio monitoring to automatic rebalancing. You are not charged any additional brokerage or platform fees.

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• Can I have multiple Core portfolios?

  Yes, you can create different Core portfolios for your different investing goals. For instance, you may invest in Core Growth for a long-term goal like retirement and choose Core Defensive for a short-term goal such as a house down payment.

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