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Financial Wellness for All Ages

An investment in knowledge pays the best interest

- Benjamin Franklin

Dollar Cost Averaging (DCA) refers to the practice of systematically investing equal amounts, in regular intervals, regardless of price.  

A good core investment should be well-diversified across stocks, bonds and commodities, with exposure to different sectors and geographies.

Satellites complement your core, and offers targeted exposures to certain sectors or themes you’re optimistic about.

Stick to your plan

The Core-satellite strategy is used by many financial institutions as a method of portfolio construction. It is simple yet powerful for everyone. 

Plan your investments using the Core Satellite approach

Take a long family vacation to Europe for $30,000

Click to see Abby's portfolio

3 years

Set aside $200,000 for her child’s university education

16 years

She chooses four thematic ETFs that she thinks will have good long-term potential

Abby is a busy mom with a successful banking career. She’s in her 30s and wants to save up for a family vacation when her child is older. She also wants to set aside an education fund for her child.

Attain a net worth of $1 million

25 years

Saving $50,000 for a car

5 years

Brandon wants to invest in companies that make a positive impact on society and the planet.

Click to see Brandon's portfolio

Brandon is a young architect in his 20s. He is saving up to own a Tesla Model 3 in a few years while keeping his wealth building objectives on track for the longer term.

Sabbatical fund of  $80,000

5 years

Callie wants to gain exposure to blockchain and emerging markets.

Click to see Callie's portfolio

Callie is a seasoned investor with a very high tolerance for risk. She wants to take a year off work to travel and pursue her own interests.

5 years

20 years

Click to see David's portfolio

David wants to have additional passive income of $1000 a month when he retires

A comfortable retirement nest egg of $2 million

Downpayment of $800,000 for second house

David is a high-flying lawyer with two teenage children. In his 40s, he’s thinking ahead to retirement. At the same time, he’s planning to purchase a second property in a few years. 

Everyone is unique. Invest your way.

Implementing a core-satellite strategy can be as simple as owning two portfolios. 

Ultimately, core-satellite investing is all about balancing stability and flexibility by allowing you to benefit from market returns while enjoying the excitement of pursuing investment opportunities.

The bulk of your portfolio should be held in your core investments. As satellite investments typically carry more risk than your core holdings, you should keep them to about 10% - 30% of your portfolio. 

Syfe has 4 core portfolios for you to choose from: Core Equity100, Core Growth, Core Balanced, and Core Defensive

Learn more about Syfe Core

Case Studies

Your satellite investments can include specific stock picks, a REIT portfolio or thematic ETFs. For example, you could add an ESG or healthcare portfolio from Syfe Select

Learn more about Syfe SelectLearn more about Syfe REIT+

Market dips are part and parcel of investing. 

During the 2008 global financial crisis, those who stayed invested in the S&P 500 recorded twice the returns of those who fled to cash for as little as three months. The key is to stay invested. 

At Syfe, we typically suggest keeping three to six months’ worth of your take-home pay in your emergency fund. The specific amount depends on your lifestyle and financial situation.

After identifying your goals, outline your risk appetite.

The guide below offers a way to understand the trade-offs.

  • Low - willing to accept lower returns and capital preservation is your main priority

  • Moderate - willing to endure short-term losses for long-term gain and growth

  • High - willing to risk more money to achieve high potential returns

Invest your emergency funds with Syfe's cash management portfolio offering projected returns of 1.5% p.a. There are no lock-ups and your money can be withdrawn anytime.

Learn about Syfe Cash+

Before You Invest

Start with knowing your goals. 

Investing for a vacation or for your home deposit is very different to planning for your retirement. Having clarity on when you will need the money and how long you need it to last will set you up for greater success in the long run.

Next, determine how much time you have to reach your investing goals. 

The longer the time horizon, the higher the risk you are able to take which in turn determines the asset classes you should be investing in.

At Syfe, financial wellness is what we define as a person’s overall financial health without the stresses that come with money-related worries.

With this guide, we share foundational financial concepts to guide you along your investment journey. Read, enjoy and apply!

When You Invest

Adopt the DCA approach

You can easily set up a lump sum amount and / or monthly deposits when creating your Syfe Investment Plan.

Learn more

Syfe, the better way to grow your wealth.

For more questions, reach out to our wealth experts.

Speak to a wealth expert

Schedule a free call

Win a $200 Syfe portfolio credit and exclusive Syfe merchandise worth $88

Follow our Instagram page @syfesg

Share our giveaway post on your IG stories

Like and Comment which is your favourite profile: Abby, Brandon, Callie, or David?




Giveaway applicable for new and existing users.

Giveaway ends on the 14th November, 2359hrs.


Get a $20 bonus when you make a first investment of minimum $1000

Valid for new users who have never invested in Syfe. T&Cs apply.

Get a $50 bonus when you make a first investment of minimum $5000


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