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How does Syfe keep my money and assets safe?

At Syfe, the security of your funds and assets is a top priority. Syfe is regulated by the Monetary Authority of Singapore (MAS) and holds a Capital Markets Services (CMS) licence for retail fund management, dealing in capital markets products, and providing custodial services. As a regulated financial institution, we are required to safeguard, protect, and ring-fence all client monies and assets. Under no circumstances can Syfe treat your funds or assets as its own.

Client money

When you deposit funds into your Syfe account:

  • Your money is held in segregated client accounts with established MAS-regulated banks such as DBS Singapore and HSBC Singapore.
  • Client monies are kept strictly separate and are never co-mingled with Syfe’s own operating funds.
  • Syfe cannot use client funds for its own purposes.
  • In the unlikely event Syfe goes into liquidation, your client money remains protected and cannot be claimed by Syfe’s creditors.

Client assets

When your funds are invested (via Brokerage, Cash Management or Managed Portfolios):

  • Your assets (e.g. shares, ETFs) are held in separate custodian accounts with established, MAS-regulated institutions such as Saxo Capital Markets and Lion Global.
  • These assets are fully segregated from Syfe’s own assets and cannot be used by Syfe for any purpose.
  • Your assets remain protected from Syfe’s creditors, even in the unlikely event Syfe undergoes liquidation.
  • As assets are held in custodian accounts, you will not have direct access to vote or attend AGMs. For discretionary portfolios, Syfe’s investment team will manage corporate actions based on what benefits the portfolios.

If Syfe were to cease operations, we will work with our partner custodians, which hold clients’ money and assets, to ensure the orderly transfer of money and assets to other licensed financial institutions or the return of all money and assets to clients.

Brokerage Asset Protection

US-Listed Securities

Your US-listed securities are held via Alpaca Securities LLC, the sub-custodian for your US securities account. Alpaca is a member of the Securities Investor Protection Corporation (SIPC).

SIPC provides protection of up to US$500,000 (including up to US$250,000 for cash) in the event a SIPC-member broker fails. Please note that SIPC does not protect against market losses or declines in the value of your securities. Learn more at: www.sipc.org

SG-Listed Securities

Syfe uses a Central Depository (CDP)-approved depository agent for SG-listed holdings.

SGX-listed investments are held and maintained in segregated sub-accounts in accordance with SGX rules. This ensures your assets remain separate, safeguarded, and protected at all times.

Learn more here.

Note: SIPC protection does not apply to SG-listed securities.

In summary

  • Your money and assets are always held separately from Syfe’s corporate funds.
  • They cannot be used to meet Syfe’s obligations or debts, even in the unlikely event that Syfe ceases operations.
  • You may withdraw your funds anytime with no exit fees.

This structure ensures your investments remain fully safeguarded and protected under strong regulatory and custody frameworks.