What Syfe does

Syfe is a Singapore-headquartered digital wealth management platform founded in 2019 by Dhruv Arora, operating across Singapore (MAS-regulated under CMS Licence CMS100837), Hong Kong (SFC Type 1/4/9 licensed under CE No. BRQ741), and Australia (via the acquired Selfwealth brand). The company serves over 400,000 retail users with US$10 billion+ in client assets, targeting mass-affluent investors in Asia where households traditionally hold up to 50% of wealth in cash. Syfe's three-pillar product offering combines Managed Portfolios (systematic Core strategies using Smart Beta factor investing, the J.P. Morgan-powered Equity Alpha active portfolio, thematic portfolios, REIT+, Income+, Custom ETF builder, and private market Alternatives), Brokerage (fractional trading across SGX, HKEX, NYSE/Nasdaq, and LSE with zero-commission US equities), and Cash Management (Cash+ Flexi and Cash+ Guaranteed in SGD and USD). The underlying technology stack includes automated portfolio rebalancing on a biannual cadence, automatic dividend reinvestment, government digital identity integrations (Singpass, iAM Smart), and a self-serve mobile and web platform.

Syfe monetizes primarily through subscription-style all-inclusive management fees of 0.25%-0.65% p.a. on managed portfolios and zero-commission brokerage trading, with no entry, exit, or per-trade fees on US equities. Strategic partnerships with tier-1 asset managers (J.P. Morgan Asset Management, PIMCO, KraneShares), exchanges (SGX, HKEX, LSE, Nasdaq), and custody banks (HSBC, DBS) underpin product delivery. The firm achieved group profitability in Q4 2025 across all three markets, having raised approximately US$140 million cumulatively across Series A (2019), Series B (US$30M in 2021 led by Valar Ventures), and Series C tranches (US$27M in 2024 and US$80M in 2025).

Name

Syfe

Legal name

Syfe Pte. Ltd.

Website

https://syfe.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Syfe is a Singapore-headquartered digital wealth management platform serving over 400,000 retail users across Singapore, Hong Kong, and Australia with US$10 billion+ in AUM across managed portfolios, brokerage, and cash management products.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

akta.pro secondary industry

Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL)

Keywords

• Digital wealth management
• Investment platform
• Managed portfolios
• Brokerage services
• Cash management

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain

Revenue model

1. Management Fees: Syfe charges an all-inclusive management fee that covers portfolio management, rebalancing, and account services. No brokerage commissions, entry fees, or exit fees. Fees range from 0.25% to 0.65% p.a. depending on portfolio type and size.
2. Brokerage Trading: Zero-commission trading on US equities. Fractional shares available for accessible stock investing. Platform provides access to US, Singapore, Hong Kong, and London exchanges.
3. Cash Management Products: Cash+ products offering savings and fixed income alternatives with projected returns. Flexible and guaranteed rate options in SGD and USD.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Syfe is a digital wealth-management platform that builds and manages portfolios for individual investors using its proprietary Smart Beta index methodology, alongside active, thematic, income, real-estate, and private-credit strategies. Customers open a single multi-product Syfe account to access managed Core portfolios, Equity Alpha, thematic Themes, REIT+, Income+, Cash+ cash management, Custom Portfolios, and a zero-commission Brokerage, available via mobile app and web across Singapore, Hong Kong and Australia.

Product overview

Syfe is a unified digital wealth management platform offering three core service pillars: Managed Portfolios (expertly managed, globally diversified investment strategies), Brokerage (fractional trading across US, Singapore, Hong Kong, and London exchanges), and Cash Management (high-yield savings alternatives in SGD and USD). The Managed Portfolios pillar is the most extensive, comprising the Core Suite (Equity100, Growth, Balanced, Defensive), the J.P. Morgan-powered Equity Alpha active strategy, four Thematic Portfolios (China Growth, ESG & Clean Energy, Disruptive Technology, Healthcare Innovation), Income+ (PIMCO-powered bond income), REIT+ (Singapore REIT dividends), Custom (user-built ETF portfolios), and Alternatives (Private Credit and Fixed Tenure Funds). Syfe also offers specialized products including Syfe for Business, SRS Portfolios, and Joint Accounts. The platform operates across three markets—Singapore (MAS-regulated), Hong Kong (SFC-regulated), and Australia (via acquired Selfwealth brand)—with over US$10 billion in assets under management and 400,000+ users.

Differentiator

Problem solved

Functional benefit

Brands

• Selfwealth: Australian online investing platform acquired by Syfe, offering self-directed brokerage services to Australian investors.
• Equity Alpha

Products and services

• Core Equity100 A 100% equity Smart Beta index portfolio within the Core suite, designed for investors seeking maximum equity exposure with diversified global index exposure at a flat 0.35%–0.65% annual fee.
• Core Growth A high-growth diversified Smart Beta portfolio in the Core suite, with a higher equity allocation than Core Balanced and a lower allocation than Core Equity100 for investors targeting long-term growth.
• Core Balanced A balanced Smart Beta portfolio in the Core suite combining global equities and fixed income for investors seeking diversified moderate-risk exposure.
• Core Defensive A defensive Smart Beta portfolio within the Core suite with the highest fixed-income allocation, designed for capital-preservation-minded investors.
• Equity Alpha An actively-managed discretionary long-only global equity portfolio for investors seeking alpha-style returns and willing to pay a higher 0.50% management fee for active stock selection.
• Thematic Portfolios (China Growth, ESG & Clean Energy, Disruptive Technology, Healthcare Innovation) Single-theme investment portfolios including China Growth, ESG & Clean Energy, Disruptive Technology and Healthcare Innovation, each built around sector-specific ETFs at a flat 0.35%–0.50% annual fee.
• REIT+ A real-estate-income portfolio combining Singapore/Asia REITs and global high-quality dividend stocks for investors seeking regular income and real-asset diversification at a 0.35% annual fee.
• Income+ An actively-managed discretionary income portfolio combining high-quality dividend stocks, REITs and bonds for higher yield than passive income products, at a 0.70% annual fee.
• Custom Portfolio (DPM) A discretionary portfolio-management service (DPM) that builds a tailored portfolio for clients with unique goals, asset-class preferences or larger mandates, in partnership with a wealth manager.
• Private Credit Funds Institutional-quality private-credit funds accessible to retail investors, providing exposure to private credit instruments typically reserved for institutional or high-net-worth investors.
• Fixed Tenure Funds Cash-management funds with fixed 6-, 12- and 24-month tenures offering higher yields than the flexible Cash+ option for investors willing to lock up cash.
• Brokerage (Syfe Trade) A zero-commission brokerage for trading US stocks, Hong Kong stocks and other securities directly from the Syfe account alongside managed portfolios.
• Cash+ (Cash Management) A yield-bearing cash-management sleeve with no minimum investment, flexible access, and regional variants (Cash+ Flexi SG, Cash+ Fixed SG, Cash+ Flexi HK, Cash+ Fixed HK, plus AU variants) at a 0.30%–0.50% annual fee.
• Syfe for Business A dedicated corporate investment account for SMEs and businesses, providing a multi-currency multi-product experience with a dedicated relationship manager for company treasury and employee investment plans.
• Selfwealth Bundles Five managed portfolio bundles (Stocks, Income, Growth, Thematic, Defensive) for Australian Selfwealth customers, providing automated managed portfolios through the Selfwealth platform.

Quantifiable outcome

• 10.67% p.a. average annual return over 8 years for Core Equity100 portfolio
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SelfwealthcoreStrategic or Co-development Partner · 23 April 2025Syfe acquired Australian online investing platform Selfwealth for A$65 million in an all-cash deal. The acquisition expands Syfe's presence in the Australian market. Selfwealth operates under 'Selfwealth by Syfe' brand following the acquisition, with expected closing by May 7 pending court approval.
• J.P. Morgan Asset ManagementcoreStrategic or Co-development PartnerSyfe partnered with J.P. Morgan Asset Management to launch the Equity Alpha actively managed portfolio, making Syfe the first WealthTech platform to offer J.P. Morgan's Active ETF strategy to Singapore investors. The portfolio uses J.P. Morgan's Research Enhanced Index (REI) ETFs for disciplined, benchmark-aware stock selection.
• Singapore Exchange (SGX)minorStrategic or Co-development PartnerSGX partnered with Syfe for the REIT+ portfolio, providing access to Singapore's top REITs including CapitaLand Ascendas REIT, CapitaLand Integrated Commercial Trust, and Mapletree Logistics Trust.
• KraneSharesminorStrategic or Co-development PartnerSyfe partnered with KraneShares for the China Growth portfolio, leveraging their specialized knowledge and access to China-focused ETFs for new economy sectors.
• PIMCOminorStrategic or Co-development PartnerPIMCO provides the bond portfolio underlying Syfe's Income+ product, offering actively-managed bond portfolio for income generation.

Scale indicators10 records

Recent moves3 records

Expansion highlights6 records

Direct peers

• StashAway: Singapore-headquartered digital wealth management platform offering ETF-based managed portfolios to retail investors in Asia. Closest direct peer to Syfe with comparable product set (Core portfolios, cash management), overlapping geographies (SG/HK/MENA) and similar B2C robo-advisor GTM motion.
• Endowus: Singapore-based digital wealth platform specialising in fee-only advisor-led and self-directed investing, including CPF/SRS-linked portfolios. Comparable to Syfe on Singapore retail wealth focus, regulated status (MAS), and use of institutional asset managers, with a heavier tilt toward advisory and retirement wrappers.
• Tiger Brokers (Tiger Trade): Asia-focused digital brokerage offering fractional multi-market trading (US/HK/SG/CN). Directly comparable to Syfe's Brokerage pillar (US/SG/HK/LSE access with fractional shares), serving overlapping retail investors in Singapore and Hong Kong.

Broad incumbents

• Wealthsimple: Canadian digital wealth and investing platform offering managed portfolios, self-directed trading, and cash products. Comparable to Syfe as a broader incumbent in the same digital wealth category with cross-product (invest/trade/save) model, though operating in a different geography with deeper scale.
• Wealthfront: US-headquartered pioneer in automated robo-advisory investing with diversified ETF portfolios, plus cash and path-planning tools. Closest US analog to Syfe's Core portfolio suite and Smart Beta-style factor exposure, serving as a benchmark for product and pricing.
• Betterment: US robo-advisor offering automated ETF portfolios, cash and crypto products. Direct category peer to Syfe's Core and Cash+ products, though larger and more mature in the US market.
• Interactive Brokers: Global low-cost multi-asset brokerage with extensive Asian market coverage. Comparable to Syfe's Brokerage on multi-exchange access (US, HK, SG, LSE) and low-fee positioning, but operating at much larger scale and without Syfe's managed-portfolio stack.

Emerging players

• Wahed Invest: Global Shariah-compliant digital investing platform offering managed ETF portfolios. Comparable to Syfe on automated managed-portfolio model and use of institutional ETFs, but differentiated by ethical-investing focus and complementary rather than directly competitive in Asia.
• MoneyOwl: Singapore-based financial planning and investment platform offering advice-led, fee-only wealth solutions to retail customers. Comparable to Syfe's Singapore retail focus and MAS-regulated status, with a stronger planning/advisory orientation versus Syfe's product-led motion.
• Kristal.AI: Singapore-headquartered digital wealth platform specialising in access to alternative investments (private equity, hedge funds, structured products) for affluent retail and HNW investors. Comparable to Syfe's Alternatives pillar (Private Credit Funds, Fixed Tenure Funds), with a more focused alternatives-led proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/SyfeSG
• Facebookfacebook.com/SyfeSG
• LinkedInlinkedin.com/company/syfe
• Instagraminstagram.com/SyfeSG

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Syfe