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About Syfe

  • Syfe is a digital investment platform that is building the next generation of financial solutions for individuals across Asia, licensed by the Monetary Authority of Singapore (MAS) under a Capital Markets Services (CMS) License (CMS License No: CMS100837).

    Launched in July 2019, Syfe’s mission is to transform the way people manage their money and make high quality financial services affordable and accessible to all. Syfe is the all-in-one platform where everyday investors can access simple, smart and affordable investing, to grow wealth their way.

    Syfe Portfolios offers personalised and custom portfolios, enabling users to fulfil their long-term financial goals. The platform has no minimum investment amounts and maintains a low annual fee, starting at 0.35% per annum of the total amount invested.

    Brokerage, the first neobroker in Singapore, allows users to grow their money by buying and selling US and Singapore-listed securities. Investors can easily buy into the world’s biggest companies starting with as little as one dollar, have access to free trades, a simplified user experience, and access to real time market data and analysis.


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  • Syfe is regulated by the Monetary Authority of Singapore (MAS). We are licensed under the Capital Markets Services ("CMS") License (CMS License No: CMS100837) for retail fund management, dealing in capital markets products and providing custodial services.

    As a CMS license holder, we have met all the requirements and standards set by MAS to prevent a bankruptcy event from happening. This includes meeting the minimum capital requirement, as well as audits and compliance to ensure that Syfe has sufficient daily cash flow to meet all operational needs.

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  • Yes, on a regular basis by one of the big-four auditing firms.

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  • Yes. Syfe is regulated by the MAS and complies with requirements to maintain adequate PII coverage as required under the CMS license requirement.


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  • At Syfe, the security of our clients' money and assets is of utmost importance. Syfe is licensed by the Monetary Authority of Singapore (MAS) and we hold 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 subject to stringent regulations including the need to protect, safeguard and ringfence clients’ money and assets. Under no circumstance will we treat your money or assets as our own.

    Client money

    When you fund your account at Syfe, you can be assured of the following:

    1. Your money is held in segregated client accounts at established and regulated financial institutions such as DBS Singapore and HSBC Singapore. 
    2. Your money is segregated and not co-mingled with Syfe’s own money and hence Syfe does not and cannot use clients’ money for its own use.
    3. Clients’ money is protected from Syfe’s creditors in the unlikely event that Syfe goes into liquidation.  

    Client assets

    When the money you fund at Syfe is invested, whether through Brokerage and/or Syfe Portfolios, you can be assured of the following:

    1. Your assets (such as holdings of shares and ETFs) are held in separate custodian accounts at established and regulated financial institutions such as Saxo Capital Markets and Lion Global. As your assets are held in a custodian account, you won't have direct access to vote or attend a company's general meeting. For discretionary portfolios (all portfolios except Income+), Syfe investment team will make decisions regarding any corporate actions based on whether they will benefit the respective portfolios.
    2. Your assets are segregated and not commingled with Syfe’s own assets and hence Syfe does not and cannot use clients’ assets for its own use.
    3. Clients’ assets are protected from Syfe’s creditors in the unlikely event that Syfe goes into liquidation. 

    In the unlikely event of a closure, Syfe will work with its 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.

    In addition, the following applies to clients’ assets in Brokerage:

    Assets in the US Market

    Alpaca Securities LLC, a member of the Securities Investor Protection Corporation (SIPC), serves as the sub-custodian for your US-listed securities account.

    In the event that a SIPC member fails and is placed in liquidation under the Securities Investor Protection Act, SIPC protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC does not protect against any decline in the value of your securities. For details, please see

    Assets in the SG Market

    Our broker is a Central Depository (CDP)-approved depository agent and maintains assets in sub-accounts on behalf of each of our clients in accordance with SGX rules. You may refer to this article for more information on how your assets are held. Please note that SIPC protection does not apply to SG-listed securities.

    In summary, whether you invest in Syfe Portfolios or Brokerage, your funds and assets are held separately from Syfe’s. This means that your money and assets are protected and cannot be used for payment for Syfe’s debts even in the very unlikely event that Syfe stops operating.

    You are free to withdraw their money any time they wish. Syfe does not impose any exit penalties or lock-in periods and clients can  access their money any time.

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  • In the unfortunate event of a customer’s demise, family members who wish to withdraw investment sums from the customer’s account will be required to provide the following documents to Syfe:

    1. Original Death Certificate;
    2. Original Grant of Probate (if there is a will) or Letter of Administration (if there is no will); and
    3. ID of the executor

    What is a Grant of Probate?

    The Grant of Probate is a court order authorising an executor to administer the deceased’s estate in accordance with the instructions contained in the will.

    Kindly refer to this website for more information.

    What is a Letter of Administration?

    If a client has passed away without a will, the Letter of Administration is a legal document that authorises an individual to be the administrator of the deceased’s estate, and administer and distribute the estate according to the Intestate Succession Act. 

    Kindly refer to the this website for more information.

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  • Syfe invests your funds through an omnibus account held by a separate legal entity. Based on our understanding, such indirect holding of investments should not be subjected to U.S. estate tax. That said, this should not be relied upon as any form of legal, tax, or financial advice as we are not qualified to do so. For this reason, we recommend that you consult your own independent advisers before proceeding with any transaction.


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  • As of now, you may only use cash to invest with both Brokerage and Syfe Portfolios.

    However, use of CPF / SRS accounts for investment is currently unavailable. Rest assured, you will be notified should CPF / SRS investment is made available in the future.

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  • Syfe has 3 key main offerings Managed Portfolios, Cash Management, and Brokerage 


    For Brokerage accounts, Syfe charges a commission fee at the time we receive each order.

    US market: All new clients, for the first 3 months, enjoy an introductory offer of unlimited free trades every month to trade US-listed securities. After the introductory period ends, we'll offer at least 2 free trades every month and at most US$1.49 per trade thereafter. These charges vary depending on the client's tier, learn more here

    SG market: we charge a commission fee between 0.04% to 0.06% of traded value (minimum S$1.98) for all trades on SG-listed securities, depending on the client's tier. Do note that free trades do not apply to SG-listed securities. More details on Brokerage pricing can be found here.

    Please note that GST applies to commission fees for the US market (outside of the free trade allowance) and all fees applicable to the SG market.

    Managed Portfolios & Cash Management 

    For Managed portfolios, our fees range from 0.25% to 0.65% p.a. based on the higher of your total net worth or invested amount. Learn more on how Managed portfolios management fees are determined and calculated here.

    For Cash Management, our fees range from 0.05% to 0.2% p.a. based on the same tiering system, for Cash+ Flexi products. There's no management fees for Cash+ Guaranteed. 

    Our portfolios management fee covers everything from portfolio monitoring to automatic rebalancing. You are not charged any additional brokerage or platform fees.
    Syfe has been a GST-registered entity since March 2022, and to-date, we have been absorbing the GST applicable to the services we provide to you. From 1 June 2023, Syfe began charging GST on our management fees for both Managed Portfolios and Cash Management portfolios. 

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