Syfe Equity100 Portfolio Update (November 2020)

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Hello readers! 2020 gone by like the wind. We are now in December!

As promised, I will be keeping a record of my Syfe Equity100 performance on a monthly basis. As I’ve mentioned before in my  post, Syfe will become a “managed funds” portion of my entire portfolio. I have a long time horizon with Syfe going forward and will be investing into it for at least 10 years

For investors using Stashaway, you may want to check out my article here where I compare the differences between Stashaway and Syfe, and see which one may be more suitable for you based on your own risk profile, age and time horizon.

Syfe as a Robo Advisor, is also an effective and affordable way for me to invest since I don’t need a huge upfront capital to invest and can just pump in any additional spare cash into it.

It helps me to diversify into US equities as well as international stocks exposure, which is always a good thing since I get more diversification aside from my DIY portfolio. I started the Equity100 portfolio on the 5th of July

Here’s my monthly Equity100 Summary:

Equity100 Portfolio (As of 30 November 2020)


Total invested amount: $2500 (Reduced)

Current Value: $6859.15

Portfolio Return: +117.81% (Inflated by overwhelming bonuses this month)

Total contribution this month: $0

Fees Paid: $1.01

Total Dividends Received (YTD): $6.70

Thank you readers who used my referral code! A significant amount of returns this month are a result of referral bonuses from readers (hence the inflated time- weighted return) so I’m really grateful for all your support and for having faith in me and my articles!

I write these articles in my free time so I really appreciate each and every one of you for your trust and support. Perhaps one day I can do a giveaway to thank you readers, so stay tuned. 😉

Equity100 Portfolio Returns (Outperforming S&P 500, Total World Stocks Index & Straits Times Index) -Data from my StocksCafe

*A more realistic look at the Syfe Equity100 return thus far, without the effects of bonuses. (+23.69%% annualised)

I use StocksCafe to keep track of all my investments (include Robo) + research on stocks and track my portfolio performance against various indexes as shown above. You can also view my portfolio as well as many others so you can compare your own performance with other investors. If you are interested in signing up, you can use my referral link to sign up and access premium features for 1 extra month for new users. (3 months)

Previous Months Portfolio Updates

July 2020: S$1217.56 (+10.69%)

August 2020: S$2565.71 (+35.22%)

September 2020: S$4879.85 (+39.42%)

October 2020: S$5964.84 (+61.21%)

Bonus Surge (Thank You!!!)

This month, there was a surge in referral bonus which I presume was a result of my Seedly Opinion pieces as I am currently a Seedly Student Ambassador, which garnered quite a bit of traffic. Not only did I not contribute any amount this month (because of how greedy the market is), I pulled out $1200 in capital from Syfe (hence the dip if you see the graph above) to prepare them as my war chest for a market decline.

As the stock market continues to climb with greed and euphoria, I am now 25% in cash which allows me to buy into bargains if the market starts to retract. And since I am 75% invested, if stocks continue to climb, I will enjoy even more albeit being even more cautious than before.

The Power of Low Fees

Due to the reduction in invested capital in Syfe, I naturally paid lesser fees this month and fees this month was just $1.01. One good thing about Syfe so far is that fees are considerably low at 0.65%/year for my tier and after investing with them for months, fees have yet to cross the $10 mark which is typical commissions fee you pay if you DIY invest yourself when using brokers like DBS Vickers CashUpfront or FSMone.

One huge advantage I have as an investor is paying very minute fees which can really eat into returns in the long run because I am using Firstrade to buy US Stocks which has absolutely $0 fees and extremely fast wire transfers for deposits and lightning fast trade executions. Aside from paying $0 commission fees, Syfe also has very low fees each month of 0.65%/12 and as you can see I only paid $1 in fees this month.

Ever since I switch to Firstrade and Syfe this year as my main investment vehicle, I saved up on a ton of fees and hence able to achieve way better returns than before. I saved up more than 3 times the fee paid in 2018 and 2019 this year due to the switch and I am really happy so far.

Of my entire investments, fees only take up 0.5% of my entire portfolio! (2018+2019+2020 combined across all brokers and Robo)

Alright that’s it! For now, thread carefully as we head into December and into 2021, think of the companies that will do well in the long run and avoid market noises as much as possible. If you need some inspiration for companies to research, you can check out my post on 5 stocks to buy if the market crashes here.

Syfe Promo Code

For people who are interested to invest into Syfe and wants to open an account, you can use the promo code below as a bonus! 

Promo Code: SRPTH8LK3

$10 bonus for the first deposit of $500 (or more)!

$50 bonus for the first deposit of $10,000 (or more)!

$100 bonus for the first deposit to $20,000 (or more)!

Note: Bonus is applicable on the first deposit made only. The bonus will be automatically credited to your portfolio and invested along with your existing investments

Thank you for reading and happy investing!

Author: Investing Beanstock

Writer @Investing Beanstock

6 thoughts on “Syfe Equity100 Portfolio Update (November 2020)”

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