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Invest in Syfe’s Core portfolios which are expertly-managed and tailored to your investment goals. Disclaimer: Syfe is not a bank. Syfe Pte Ltd. is a digital investment platform licensed by the Monetary Authority of Singapore. Full disclaimers and terms & conditions are available at www.syfe.com. This advertisement has not been reviewed by the Monetary Authority of Singapore. Based on returns as of November 2025. Past performances are not necessarily indicative of future performances.

Invest in Syfe’s Core portfolios which are expertly-managed and tailored to your investment goals. Disclaimer: *Fullerton Fund Management’s Rethinking Investing Survey (2024). Syfe is not a bank. Syfe Pte Ltd. is a digital investment platform licensed by the Monetary Authority of Singapore. Full disclaimers and terms & conditions are available at www.syfe.com. This advertisement has not been reviewed by the Monetary Authority of Singapore. Based on returns as of November 2025. Past performances are not necessarily indicative of future performances.

Thursday 5 November was the Nasdaq’s worst day since Covid. If your money was in the AI names everyone has been talking about, it was a painful night. But not everything went down. Bonds and gold went up. India and China held steady. Utilities barely moved. Even within the US, the worst sector fell ten times as much as the best. The further your money sat from the AI buildout, the less you felt it. Nobody could have called the timing of a sell-off like this. But how it played out was no surprise: things didn’t fall together, the most crowded trades fell hardest, and the steadier parts of a portfolio held up better. That’s why we build for breadth instead of hugging the index. Ritesh Ganeriwal, Head of Investment & Advisory, explains what happened and what it means for your portfolio 👇

What if your portfolio could keep more of what it earns? With 94% of Syfe Core now investing through the most cost-effective vehicles available, the latest UCITS upgrade helps reduce tax and cost drag—including halving withholding tax on US equity dividends from 30% to 15%. Join Aman Pujara from Syfe and Jonathan Shyong from Xtrackers to learn: • What’s changing across the Core portfolios • How the UCITS upgrade improves cost efficiency • How these savings compound over the long term 📅 17 September 2026 🕡 6.30 PM–7.30 PM SGT 💻 Online webinar Register now via the link below.

I spent 20 years earning good money in Singapore and still treating my bank account like a single point of failure. When I last wrote about money and my childhood, a lot of you in Singapore quietly DM’d me some version of, “I’m in my 30s or 40s, earning enough that it should feel safer than it does… and I still haven’t really started investing.” If that’s you, perhaps like me, you know investing matters, but you're caught between how you grew up and what you’re living through now. If you grew up in an Asian household, “being a good son/daughter” often meant saving, not taking chances, and always putting family first. We were told not to waste, not to show off, not to risk what our parents had fought for. So when you start investing, it can feel like you’re putting your parents’ sacrifice on the line, almost like you’re breaking an unspoken family rule. My “plan” looked like what most of you described: pay the bills, keep a buffer in the bank, make sure family is okay, and promise myself that when life calmed down I’d finally “learn investing properly.” On paper, that looked really sensible. In reality, it meant most of my money was tied to one salary and one savings account. Then Singapore changed around me, and careerquakes came. Roles disappeared in a single quarter. Retrenchment emails landed. People with “good jobs” realised that if that one job went away, their entire sense of safety went with it - school fees, parents’ medical bills, housing, whether they could say no to work that was burning them out. “Rich,” for me, started meaning being able to walk away from work and not going straight into panic mode when a company, client, or algorithm changes direction. That’s when saving by itself stopped feeling like enough. When I really looked at my money, it naturally fell into 3 buckets: what I need to live, what I need to live well, and what I want to build wealth with over time. Then I asked myself: do I really want all three dependent on one employer and one basic savings account? For me, the answer was no. I needed a way to hold cash, have someone manage a portfolio without me having to watch it every day, and still choose individual companies or themes I believe in. I didn’t want 5 different apps and spreadsheets to do that. That’s how I ended up using Syfe, a digital investment platform in Singapore that lets me see cash, managed portfolios, and individual investments in one place instead of scattered across accounts. If you’re in Singapore, earning “enough” on paper but still feeling like one email could flip your whole life, you’re not alone. This page shows, on one screen, how I spread money across “live, live well, build wealth” rather than parking so much of it in a single salary and a single account. - https://lnkd.in/gwXCxRnH If you’ve got 60 seconds now on your phone, scroll and see what it looks like. Then notice if your own setup still feels like a single point of failure.

Could S-REITs be approaching their next inflection point? Join us in person at the Syfe SREITs Symposium 2026 as leaders from Lendlease Global Commercial REIT, CDL Hospitality Trusts, Frasers Centrepoint Trust, Frasers Logistics & Commercial Trust, Bloomberg Intelligence, and Syfe share their perspectives on the opportunities ahead. Discover where value may be emerging, what could drive the next phase of the S-REIT cycle, and how income-focused assets can fit within a diversified global portfolio. 📅 11 August 2026, 6:30PM–8:00PM 📍 SGX Centre 1, 2 Shenton Way Seats are limited. Register now: https://luma.com/c9hu3wld