Syfe Singapore Review (2025 Updated)

Start investing the smart way – find out if Syfe’s robo-advisory platform is right for your financial goals in 2025.

Robo-advisors are becoming increasingly popular in Singapore, and Syfe is one of the front-runners leading this digital investment revolution. Whether you’re completely new to investing or simply looking for a more hands-off way to grow your money, this guide will help you understand what Syfe offers, how it works, and whether it's worth your time and money. From its various portfolio types to its competitive fee structure and performance record, here’s everything you need to know about Syfe in 2025.

Syfe is a robo-advisor – a digital platform that helps you invest automatically based on your risk profile and financial goals. Instead of you picking individual stocks or managing your own portfolio, Syfe uses algorithms and financial experts to do it for you. This makes it especially appealing for people who want to invest but don’t have the time, knowledge, or interest to actively manage their money.

Product details

• All-in-one investment platform

• No min. deposit required

• Unlimited free trades for US markets for the first 3 months (subsequently, 2-10 free US trades per month)

• Access US, SG, and HK markets as well as UCITS

• US fractional shares and SG odd lots available

• Supports auto-invest

• Access to real-time stock analysis

• Instant account opening with 24/7 support

• Licensed by MAS

• Read our full review of Syfe

• Management fee and member benefits depend on account tier

SingSaver’s take

Syfe is a well-rounded robo-advisor that offers a strong mix of portfolio options for both beginner and experienced investors. With no minimum investment required, low management fees, and automated portfolio rebalancing, it's especially suitable for young professionals, passive investors, and those seeking diversified, long-term growth. More advanced users can also explore thematic or custom portfolios for greater control.

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Launched with the mission to make investing simple and affordable for everyday Singaporeans, Syfe offers low-cost, diversified portfolios through a user-friendly mobile and web interface. Its value proposition is clear: create automated portfolios that are globally diversified, backed by smart algorithms, and accessible even to those with limited capital. Whether you're investing for long-term growth, passive income, or short-term goals, there's likely a Syfe solution tailored for you.

✅ No minimum investment required

One of Syfe’s best features is that you can start investing with any amount—even just $1. There’s no minimum deposit or trading amount, which makes it perfect for young professionals, students, or anyone who wants to dip their toes into investing without committing a big sum. No more waiting till you save up thousands—just start small and build up gradually.

✅ Low management fees

Syfe keeps its fees competitive, with management fees starting from as low as 0.35% per year, depending on the portfolio. For context, traditional wealth managers in Singapore often charge 1% or more. Over time, this difference adds up, especially if you’re investing for the long haul.

✅ Diverse portfolio options to suit different needs

Whether you want a safe place to park your emergency funds (like Cash+ Flexi) or you're chasing long-term growth with higher risk (like Equity100), Syfe has you covered. They even offer thematic portfolios like ESG and tech-focused ones, giving investors the ability to align their investments with their personal values or interests.

✅ Automated rebalancing and dividend reinvestment

With Syfe, you don’t need to worry about constantly checking and adjusting your portfolio. The platform automatically rebalances your assets to stay aligned with your goals. Plus, dividends are reinvested to maximise compounding, saving you time while growing your wealth behind the scenes.

✅ Easy onboarding and user-friendly platform

Signing up takes just a few minutes, and the interface is clean and intuitive. You don’t need any financial background to get started—just answer a few questions about your goals and risk tolerance, and Syfe recommends a portfolio that fits you. It’s like having a digital financial planner in your pocket.

❌ Limited access to human financial advisors

Unless you’re a Syfe Private Wealth client (which requires a higher investment amount), you won’t get personal consultations with a dedicated advisor. This can be a drawback if you’re looking for detailed financial planning or tailored retirement advice beyond what a robo-advisor can offer.

❌ Product changes may affect consistency over the long term

Syfe occasionally adjusts its product lineup or rebalances how some portfolios are structured. While this is often in response to market conditions or improving strategies, it can affect investors who prefer a long-term “set-and-forget” approach with fixed holdings.

❌ Less suitable for investors who want face-to-face consultation

If you value sitting down with someone to talk through your financial goals, Syfe might not be the right fit. It’s primarily a digital platform, so those who prefer human interaction and hands-on guidance might feel limited.

Syfe makes investing as simple as setting your goals and letting the platform handle the rest. You’ll begin by answering a few questions about your financial objectives, risk appetite, and investment horizon. Based on your responses, Syfe recommends a suitable portfolio and allocation.

Once your funds are deposited, Syfe uses proprietary algorithms to manage your investments, adjusting the allocation when necessary to maintain your desired risk level. This includes periodic rebalancing, dividend reinvestments, and automated optimisation – all handled without you needing to lift a finger.

» MORE: How Syfe adapts to any investment portfolio 

Syfe offers a wide range of portfolios to suit different goals and risk appetites. These include Core portfolios (Equity100, Defensive, Balanced, Growth), REIT+, Select Themes, Custom, Cash+, and Income+. Each is structured to meet specific investment preferences, whether you're focused on capital appreciation, income generation, or preserving your savings.

The Core portfolios offer a mix of global equities and bonds, designed to suit various investor profiles. These portfolios balance risk and returns using asset allocation strategies based on modern portfolio theory. Ideal for investors who want diversification without having to manage different instruments on their own.

Here’s how each Core portfolio stacks up:

Core Equity100

Equity100 is Syfe’s most aggressive portfolio, comprising 100% equities. It's built for long-term investors who can stomach market ups and downs in exchange for higher potential returns. The portfolio leans heavily on US-listed ETFs, offering broad exposure to global markets.

Core Defensive

The Defensive portfolio takes a more cautious stance, allocating the majority of funds to bonds and low-volatility assets. This is suitable for risk-averse investors or those nearing retirement who prioritise capital preservation over growth.

Core Balanced

Balanced portfolios aim for the middle ground between risk and return. With a well-diversified mix of equities and bonds, it's ideal for investors who want steady growth while maintaining some downside protection during volatile market periods.

Core Growth

The Growth portfolio is tilted more towards equities than the Balanced option, offering higher growth potential while still retaining some bond exposure. It’s best for investors with medium to high risk tolerance who are investing over the long term.

Syfe’s REIT+ portfolio is designed for investors who want exposure to Singapore-listed Real Estate Investment Trusts (S-REITs). These assets are known for their dividend-paying potential, making them attractive to income-focused investors.

You can choose between two options: 100% REITs or a REITs and bond combination. With the latter, the bond allocation helps cushion volatility, while the former offers full exposure to real estate. It’s important to note that while S-REITs are generally stable, they can be sensitive to interest rate changes and property market cycles.

» MORE: A complete guide to REITS

For investors who want exposure to megatrends and specific sectors, Syfe’s Select Themes portfolio offers curated baskets like Global ARI (Artificial Intelligence, Robotics, and Innovation). These portfolios are thematic, meaning they focus on future-forward industries that are expected to outperform over time.

However, because these investments are concentrated in particular sectors or ideas, they come with higher volatility. They're best suited for those with high risk tolerance and a keen interest in emerging trends.

The Custom portfolio feature lets experienced investors build their own investment strategy using Syfe’s suite of ETFs. You can handpick your asset classes, choose allocations, and monitor performance via Syfe’s dashboard.

This is a great option if you already have a strong understanding of investing and want more control. However, it also means taking on the responsibility of maintaining the right asset mix and understanding the implications of each choice.

Syfe’s Cash+ portfolio is a low-risk option for those looking to park their cash while earning higher yields than traditional savings accounts. It's composed of money market and short-duration bond funds and is fully liquid, allowing you to withdraw anytime without penalties.

There are no management fees for Cash+, and while returns are modest (typically below 4% p.a.), the low-risk nature makes it attractive for short-term goals or emergency funds.

The Income+ portfolio is tailored for those looking to generate a consistent monthly income stream, such as retirees or individuals building a passive income base. It consists of bond-focused funds with regular payouts.

The Income+ plan provides an estimated yield range depending on the chosen option (Stable or Enhanced), offering predictable returns while maintaining relatively low volatility. It’s managed in partnership with PIMCO, a global fixed income investment leader.

Syfe gives you access to three major stock exchanges: the US, Singapore, and Hong Kong. This means you can diversify your investments across local and international markets, all in one app. Whether you're investing in global tech giants or local REITs, Syfe gives you the flexibility to mix and match.

US Exchange

Syfe offers access to the NYSE and NASDAQ, where you can buy big-name stocks like Apple, Tesla, and Amazon, or ETFs like the S&P 500. These are great for long-term investors looking to ride the growth of the US market. You can even buy fractional shares, meaning you don’t need hundreds of dollars to own a piece of Google.

SG Exchange

On the SGX, you can invest in Singapore-listed companies and REITs like DBS, CapitaLand Integrated Commercial Trust, or ComfortDelGro. These are great for those who want local exposure and possibly more stable dividend-paying investments.

HK Exchange

The HKEX lets you invest in major Asian companies such as Tencent, BYD, and Alibaba. This is ideal for investors who want to tap into China’s economic potential or diversify across the Asia-Pacific region.

You can trade stocks, REITs, ETFs, and even get exposure to bonds and money market funds—all through Syfe’s various portfolios and brokerage platform.

Here’s what you’ll find on Syfe Singapore:

• Core Equity100

• Core Growth

• Core Balanced

• Core Defensive

• REIT+ 100%

• REIT+ with Risk Management

• Income+ Preserve

• Income+ Enhance

• Cash+ Flexi

• Cash+ Guaranteed

• Protected Portfolios

• SRS Portfolios (Cash+ Flexi SGD, Income+ Preserve, Income+ Enhance, Core Equity100)

• Syfe Select Custom

• Syfe Select ESG & Clean Energy

• Syfe Select Disruptive Technology

• Syfe Select Healthcare Innovation

• Syfe Select China Growth

• Brokerage (US-listed stocks and ETFs)

• Brokerage (SG-listed stocks, REITs, ETFs)

• Brokerage (HK-listed stocks and ETFs)

• Brokerage (UCITS ETFs)

Syfe offers both a mobile app and a web platform, designed to be sleek, responsive, and easy to navigate. The mobile app is great for investors who like to manage their portfolio on the go, whether it’s checking in during lunch breaks or topping up while commuting. Meanwhile, the web platform caters well to those who prefer a larger screen and a bit more control over their account.

Users will appreciate how smooth the experience is, with real-time price updates and trades that go through quickly. However, those who rely heavily on in-depth charting or advanced technical analysis tools might find the platform a bit basic for their needs.

Syfe’s fees range from 0.35% to 0.65% annually, depending on the amount you invest. The more you invest, the lower the fee tier. For example, investments under $20,000 are charged 0.65%, while those above $500,000 enjoy rates as low as 0.35%.

Compared to other robo-advisors like StashAway (0.2%–0.8%) or DBS digiPortfolio (0.75%), Syfe sits in the mid-range but offers more portfolio variety and no minimum investment amount. Cash+ remains fee-free, making it appealing for short-term savings.

Here’s a quick illustration:

• Investing $10,000 in a Core portfolio: annual fee = $65

• Investing $100,000: annual fee = $500 (at 0.5%)

Opening an account with Syfe is fully digital and takes less than 10 minutes. You’ll need your NRIC or passport, and a bank account in Singapore for funding. Once you’ve completed the risk profiling and selected your portfolio, you can fund your account via FAST transfer or PayNow.

There’s no minimum funding requirement, which makes it beginner-friendly. You can also set up recurring deposits for dollar-cost averaging – a simple strategy to reduce market timing risk.

Syfe publishes detailed performance data on its website. Over a 3-year period, the Equity100 portfolio has shown annualised returns exceeding 10%, while Balanced and Growth portfolios have returned 5–8% annually, depending on market conditions.

Compared to traditional ETFs or savings accounts, Syfe portfolios generally offer higher long-term returns. However, short-term market fluctuations can affect performance, especially for portfolios with high equity exposure.

Syfe’s many options make it suitable for a variety of investor profiles. That said, it is crucial to choose the right portfolio for your needs. In particular, Syfe is good for:

• Young professionals: With no minimum capital required, Syfe is ideal for those just starting their investment journey.

• Retirees or near-retirees: The Income+ and Defensive portfolios cater to those looking for stable returns and lower risk.

• Experienced investors: The Custom and Select Themes portfolios offer more control for those with specific strategies in mind.

• Low-maintenance investors: If you want to "set and forget" your investments, Syfe's automated platform is made for you.

To open a Syfe account, you’ll need to be at least 18 years old and a Singapore resident with a local bank account.

Yes, it’s safe. Syfe is licensed by the MAS, and they follow strict regulatory standards to protect investors.

Licensed by the Monetary Authority of Singapore (MAS)

Syfe is a licensed Capital Markets Services (CMS) holder under the Monetary Authority of Singapore. This means it operates under strict financial and regulatory oversight, giving you peace of mind that your money is being handled by a compliant institution.

Segregated accounts

Your money is held separately from Syfe’s own funds. This means that even if something happens to the company, your assets are kept safe in a custodian account and cannot be touched to cover Syfe’s expenses or liabilities.

Custodian safeguards

Syfe uses reputable third-party custodians like HSBC to hold your assets. These custodians are responsible for safeguarding your investments and ensuring that everything is properly accounted for.

Fixed returns with Cash+ Guaranteed

Cash+ Guaranteed is a low-risk option designed for short-term savings or emergency funds. It offers a fixed return and is backed by investments in government bonds and high-grade credit instruments. Your capital is protected, making it a solid alternative to traditional bank savings.

Syfe stands out in a crowded robo-advisory market, but how does it stack up against other popular platforms in Singapore?

StashAway is a versatile robo-advisor that appeals to both beginners and seasoned investors. With no minimum investment requirement and a user-friendly interface, it offers a range of portfolios tailored to various financial goals, including general investing, income generation, and thematic strategies. Its Economic Regime-based Asset Allocation (ERAA) framework dynamically adjusts portfolios in response to changing economic conditions, aiming to optimise returns.

Learn more

Read full review

Both platforms offer automated investing and no minimum capital requirement. Syfe stands out with more diversified portfolio types, while StashAway offers robust economic regime-based reallocation.

AutoWealth offers access to a financial advisor and a simple ETF model, while Syfe offers a wider range of customisable portfolios and lower entry barriers.

DBS digiPortfolio is a bank-backed robo-advisor that integrates directly into your DBS digibank app, offering simple, ready-made portfolios for investors who want the security of a trusted financial institution.

Learn more

DBS digiPortfolio benefits from bank integration but has fewer portfolio options and a higher fee. Syfe remains more flexible for users looking for customisation and lower costs.