Continuing from my previous post (Dividend Investing is Dangerous), I shall do something dangerous today – I shall share my list to buy. Many people heard of Dividend Investing, but don’t know how to start what shares to buy. These are the common questions that you would get:
I heard REITs (Real Estate Investment Trusts) are good income generator, should I buy them?
I heard Singapore Banks are great, should I buy them?
What other companies should I buy?
My suggestions
Disclaimer:
Before I share my list, let me share that this is my personal opinion only and I will only buy if it reaches my target price and give different weighages to different counters. Of course, I have overseas counter and ETFs that I am interested in but not going to share this time.
Buy those big and blue companies first, before buying others. Of course, once I said this, the next questions would be what are those big and blue companies? Many Singapore Investors love REITs too? Should I buy REITs too?
Anyway this is the list:
Shares
1
DBS
2
OCBC
3
UOB
4
SGX
5
Sheng Siong
6
ST Engineering
7
Keppel Corp
8
Boustead
9
Delfi
10
Venture
11
Wilmar
12
STI ETF
13
Parkway Life Reit
14
Capitaland Ascendas Reit
15
Mapletree Logistics Trust
16
Frasers Cpt Tr
17
Mapletree Industrial Trust
18
Frasers L&C Tr
19
Capland IntCom T
20
Kep Infra Tr
21
Netlink Tr
22
Lendlease Reit
23
Aims Apac Reit
24
Keppel DC Reit
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
Dividend investing is a very popular strategy, especially in Singapore, but of course people from other countries all over world like it! Who don’t like regular cash posted into your bank account?
However, I am not sure why but this term “Dividend Investing is Dangerous” has been floating around in the investing community recently. I have no idea where this term came from, but since I have been seeing this term, maybe let me share something more about dividend investing?
The primary goal of dividend investing is to generate income from the dividends received. Dividend investing is like picking stocks from companies that are in the habit of sharing a slice of their earnings with people who own their shares.
These earnings, called dividends, are usually handed out on a regular basis, like every few months or every year, and sometimes even every month. The cool part about dividend investing is that it’s all about getting a steady flow of pocket money from your investments. These regular cash flow if large enough, can replace your monthly paycheck!
Imagine if you have $1 million in dividend stocks/ETFs, that give you 6%, this mean you will get $5000 monthly, which is the pay of average person on the street! That’s why the lure of dividend investing is great, it can replace your work income “one day”.
Of course, investors also find dividend stocks appealing because they have the chance to see their investment grow in value. As the company’s stock price goes up, the value of the dividends they receive also goes up. This combo can result in a notable boost to the overall worth of your investment as the years go by – these are dividend growth stock.
“Dividend Investing is Dangerous”
Why dividend investing in dangerous, let me share some points on why is this so.
1. Dividend cannot cover the Capital loss due to drop in price
Do you think Dividend Investing is dangerous? One very common point that came up is that the dividend that you get can’t cover the capital loss from the share/etfs.
If the share prices keep dropping (lao sai) until you have to go to the toilet/loo/washroom, does dividend investing really work, is it dangerous?
Let’s say you put $100,000 into a share/etf that give you 6% (I put 6% because recent US 10 years treasury yield already give you 4.2%, hence there is risk premium to equity). This mean that you will earn $6000 per year, $500 per month. However, the share price drop 10%, such that your original invested capital is only worth $90,000 now, hence effectively, you lose $10,000 – $ 6000 = $4000. You might as well put in growth stock that grow more?
Let’s repeat this, “Dividend Investing is Dangerous”?
2. Companies that should reinvest their earnings rather than give out dividends
It’s better for a company to reinvest their earnings, to grow the equity/asset of the companies rather than giving the cash out as dividends. Once a company is worth more, the share price of the companies will go up naturally. If the company gives out cash as dividends, the companies will be worth less.
If you’re a shareholder of a company that pays dividends, it’s also important to understand why the company gave out those dividends in the first place. If they did so because they thought it was best for their long-term growth and financial health, then great!
But if they’re only paying out because they need cash flow right now–and will never reinvest those earnings into growing their business–then that’s not so good.
Another possibility is that Companies that pay out large amounts of money as dividends are often doing so because their management teams aren’t confident enough about how much more revenue can be generated through reinvestment opportunities within the business itself (like R&D or new product development). This could be due to:
Poor management who don’t know how best use capital wisely
Poor capital allocation skills (e.g., poor M&A decisions)
Weak demand for goods/services offered by this particular industry segment
3. Investing in Index Funds/ETFs are better, more diversified and safer, gives better total return
Let’s say you invest $10,000 in an S&P 500 index fund.
The index fund is a diversified basket of 500 stocks that mirrors the performance of the entire market. It’s possible for all 500 stocks to decline at once and for your portfolio to fall by 5% or 10% overnight. But if you have $10,000 invested in five different stocks whose price falls by 5% each over a month or two, then your portfolio would have lost just 1%.
You would have lost less because you spread your money around among several companies rather than putting all your eggs in one basket. That’s why diversification is so important when investing in individual stocks or mutual funds as well as when investing in broad indexes like the S&P 500 (SPY).
Invest in Index fund, and get market return is better. Ultimately, most active professional fund manager can’t beat the market index fund return in the long run.
4. Dividends can be stopped anytime
There are many investors that just look at the dividend history and dividend yield rather than the companies itself.
If you are a retiree that rely on dividends for survival, bear in mind that dividends can be stopped anytime. Companies can change their minds, go out of business and cut or raise dividends as they see fit. Hence sustainability of the business is more important than just looking at the dividend yield, history.
The high yield of dividends can mislead investors into thinking that dividend stocks are much safer than other kinds of stocks. The dividend yield is not a good indicator of a company’s profitability, it may not be sustainable.
The best way to evaluate the safety of your investments is by looking at the company’s fundamentals: its balance sheet and cash flow statement–not its dividend yield.
Hence, this goes back to the point that total return is important, not just dividend. Total return is capital gain + dividend.
Just Dividend alone is dangerous as it misguide you thinking that this is the the total return that you get.
The above 4 points are points that highlight why dividend investing is dangerous! There are of course others points that argue against or argue for investing investing. One can has mixture of dividend only (reits for examples), or dividend growth stocks/etf, or grow stocks, or index fund etc..
Ultimately, most importantly, whatever method you use, you must be able to sleep well. Know your own risk profile, create your own method that suit you the best such that you can pass sleep test. Otherwise, if your stocks/shares/cryptos/other assets suddenly needs to go to toilet/loo/washroom lao sai (drop in value), one will panic sell instead of rationally cut loss due to change in fundamental or wait for price recovery.
Personally I think dividend investing is not dangerous, I can write a long article on this but shall do this another time. However, dividend investing is often more effective as a long-term strategy. Over time, the power of compounding can lead to significant returns, particularly when dividends are reinvested.
In short, I strongly support dividend investing for those who know what to buy.
For those who don’t, do index investing betterusing world index funds.
Remember:
Collect dividends -> invest in companies that are fundamentally strong -> companies generate more revenue and thus more dividends -> companies give you dividends -> collect the dividends and reinvest and so on.
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
Welcome to the captivating world of dividend investing. Imagine an asset where your investments work tirelessly for you, generating cash flow even as you sleep. Dividend investing has gained reputation as a powerful strategy that offers the best of both worlds – capital appreciation and regular dividend payouts. It’s an enticing option for both seasoned investors and those new to the financial landscape.
Unlike other investment approaches that rely solely on market fluctuations, dividend investing focuses on companies that not only show strong growth potential but also share their profits directly with shareholders. These dividends, often paid out quarterly or annually, provide a steady stream of income that can be reinvested or enjoyed as extra earnings. This unique combination of stability, growth, and financial rewards makes dividend investing an attractive choice for those seeking long-term wealth building.
5 Evergreen Investment Principles
Let me share 5 timeless ever green investment principles for dividend investing.
(I have shared these before in my previous posts, but for new readers, let me share again with some edits).
1. No Dividend No Buy and only buy those that you are willing to keep long term of at least 10 years. Must pass sleep test.
Most people although calling themselves dividend investors, but they don’t really behave like a dividend investor. They buy/sell, buy/sell trade the dividend stocks/Reits instead of keeping for dividend. If the price crash, they would sell and cut loss.
You can see from the recent crash of the US Reits such Manulife US Reit, Keppel Pacific Oak US Reit, Prime US Reit – initially the investors sound so confidence, freehold assets, US assets etc., good rental income etc.. But see what happened now? Many of them cut loss after the price drop 50% or more.
If you have bought MIT at $2.80 instead of Manulife US Reit at $0.70, likely you won’t cut loss for MIT but will cut loss for Manulife, especially if you have put in an amount larger that you are comfortable with (see Rule 3 below).
Hence this first rule is very important.Please only buy reits/stocks that you are willing to keep at least 10 years, no speculation, no FOMO (Fear or Missing Out). Don’t listen to others. Have independent mind. Must pass sleep test.
Take for example, Development Bank of Singapore (DBS), Singapore Exchange (SGX), Mapletree Industrial Reit (MIT), Mapletree Logistic Reit (Mlog), Capitaland Ascendas Reit (Areit), Frasers Centre Point Trust (Trust), NikkoAM-STC Asia Reit (CFA) etc. No people will cut loss buying these, they will simply add more. Yes, the yield is low, but on long term basis, it is a 99% sure win. Remember Tortoise and Hare Story, Tortoise wins. Many people are enticed by high yield instead of the fundamental behind the companies which in the end lose their hard-earned money and cut loss when the shares drip in prices.
Just keep buy and collect dividend and reinvest for good stocks/reits. You will get this picture below.
2. GUTS (buy big) and PATIENCE (wait crash/dip) and dare to HOLD VERY LONG, think long term (10 years at least)
Most people are looking at short term. They should look at long term (10 years at least). If they did their shares selection well as per rule 1 above, the next step is to have patience and wait. When the time come, example 2020 March Covid Crash, Reits dip due to interest rates etc, they should be brave and buy! However, many don’t have the guts to buy when come. If even they have, they don’t dare to buy big. even if they dare to buy big, they don’t dare to hold. Additionally, people keep want to wait for lower price and then missed!
Are you behaving the same way as I have described above? I believe most are. Let me share a few rules that I have learnt:
Buy only dividend growth companies that I know Fundamental well so that I will not cut loss. Example, companies with yield >5% with net cash, low payout ratio, sustainable business. Or simply buy those big names that could rarely goes wrong in my rule 1 above.
Be patience. Do research while waiting.
Red buy, green sell. Similar to buy discounted groceries in supermarket.
Focus cashflow and certainty.
Few cents don’t matter. Can’t always buy at bottom price or sell at top price. Good price just dca buy and keep.
Better to put big sum (e.g. 100k) in good companies like MIT MLOG FLCT AREIT PLIFE DBS SGX etc for 10% than 10k in less strong stock for 10% gain.
3. Position size Important and no leverage
Position size important and possibility no leverage if you are not sure what you are doing. You can set for example 5% per counter, then you will have 20 counters. Chances of 20 good shares (if you have followed Rule 1 above) dying at the same time, not paying dividend at the same time is very very low.
This is especially true when portfolio get large, example 1 million and above. One should take less risk and do capital preservation. Why? 1 million at 6% already give you $5k per month (not difficult to get 6% yield with 2% cap gain every year). $5k per month is already a very good salary for most people.
However, people want haste and earn more. In the end, they lose more by putting too much in something which can’t let them sleep well. In the end they cut loss and lose money. Hence, only put the amount that you are comfortable with; that would enable you to sleep well.
4. No earn no sell especially for dividend stock. Keep long term, no stop loss policy because point 1 is followed.
This rule is contrary to what most people would do. No cut loss policy.
If you didn’t do any leverage/plan allocation well (Rule 3) and only buy good stocks that let you sleep well (Rule 1), there is no need for you to cut loss. (However, if fundamental changes, please cut loss unless you are confident of recovery).
Price drop, just hold and collect dividends as “painkillers”. Throughout the years, treat the dividend (or simply use the Trading around Core Strategy – Rule 5 below) to reduce the average cost of your shares. The worst case is stock goes to zero or in most case, your average cost will be reduced over time.
5. Trading around Core with only Good FA Dividend Reit/Stock
Of course, it is very hard to curb itchy hands. People feel that it is very hard to do nothing. You have to keep buy sell buy sell, especially if you keep seeing the shares of the companies that you are holding are going up and down every day. Hence what can we do? We can use Trading around Core Strategy.
This simply means that you allocate for example 100k to buy Share XXX for 5% yield. One can simply keep DCA down to keep and collect dividend (price goes down, dividend yield goes up). As long as the total amount of share XXX that you are holding doesn’t exceed your allocation (in this case 100k), you can do a trade buy/sell buy/sell 1-2 cents for profits to reduce your average cost.
For example, you plan to allocate 100k to Mapletree Logistics Trust (Mlog). Currently you are holding only 50k worth of Mlog. You can strategise and buy 10000 shares of Mlog at $1.58 and sell at $1.61. Every trade will win you few hundred dollars which you can treat it as lowering your average holding cost of the share. In the worst case, if the price drops below $1.58, it doesn’t matter too, you can just keep it and collect dividend. Do note that this only work if you follow Rule 3 (allocation) and Rule 1 – only applicable to those that you are willing to hold long term and passed your sleep test.
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
Recently, the market is rather volatile, US starts to turn a bit red with SG REITs coming down due to rise in interest rates. Hence, as usual, I took advantage and bought some shares. For those followed by tweets, would have already know about these trades.
Too busy at work after 4 days of annual leave. Only manage to post now.
Not interested to participate in Capitaland India Trust PO at 1.06
Hence, sold what I have today at 1.10 for Kopi Money.
If drop back to its support at 1.02, I will buy to trade again.
— Edmond | Careyourpresent (@careyourpresent) June 19, 2023
— Edmond | Careyourpresent (@careyourpresent) June 27, 2023
Besides Market, This strike me MOST!
Like this.
Deathbed Regret: Not spending enough time with my kids during the “magic years.”
There’s a devastatingly short window of time during which you are your child’s entire world. https://t.co/9tssN5O4wa
— Edmond | Careyourpresent (@careyourpresent) June 25, 2023
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
Reits is one the best favourite tools for many Singapore Investors. People like to buy reits for their stable income, even in today’s current high interest rates. What is the XXX or X000 in the title of this blog post? Many must be confused on what I am writing, is it some computer AI thing? Read on to find out more!
Nature of Reits
To many who really understand Reits, should know that REITs are highly geared instruments. Reits are highly leveraged instruments because they use debt to finance their investments/to buy real estate. They issue bonds and use the proceeds to buy properties. The interest payments on these bonds are tax-deductible and reduce the cost of borrowing for the REIT.
This means that any downturn in the economy or increase in interest rates could put pressure on these companies’ balance sheets and make it harder for them to service their debt obligations (aka paying back what they owe). This is what is happening now. In the most recent FOMC meeting, FED raise the interest by another 25 Bps.
If property values fall too much or interest rates rise too high, it could be difficult for a Reit to pay its debts back on time–and this could trigger defaulting on its bonds as well as other bad outcomes like bankruptcy filings! You can see this in some of the not so well managed reits.
Even if you look at the recent popular mapletree family Reits (Mapletree Industrial Trust, Mapletree Logistic Trust, Mapletree Commercial Trust) or even Frasers Centrepoint Trusts etc, all their gearing, interest debts went up. What does this imply?
What this means?
EFR may come for some of the REITs. EFR is equity fund raisings – rights issue, preferential offerings etc. This means investors need to fork out cash from pockets (and return dividend collected) 🙁 These prices of these EFR are usually at a discount to market price and maybe at ratio such as 5 to 100, 2 for 10 etc. For good well managed REITs with strong sponsor that issue that EFR as good price for the investors, in longer term, it will be beneficial to investors. Most of the time, we will apply for excess to take advantages of the lower price.
Back to the story of XXX, and X000. I am simply referring to the number of shares. During right issues, these prices of these EFR are usually at a discount to market price and maybe at ratio such as 5 to 100, 2 for 10 etc. Hence by buying X000 or XXX number of shares, this will make the entitlement ratio in odd number should there be rights issue. From there, one can apply excess to get more cheaper shares!
Do note that I only this for REITs, for shares like Boustead, SGX (net cash company) etc that I have owned, it is very very unlikely that they would need to issue rights, hence there is no need to specially buy X000 or XXX, just buy 10000, 100000 will do for easier accounting (of course if you want to buy X000 or XXX, it’s fine too).
Recent Buy
Take for example on my recent purchase – MapletreePanAsia Com Tr. I bought just the day before xD to trade and get dividend. Bearing in mind that the drop in DPU with higher gearing would possibility result in right issues later, thus I bought XX100 shares for the reason mentioned above to get odd ratio during EFR.
To my Suprise, for the trading day on 5 May, the price is still $1.74 despite me buying this share at $1.74 on the day before. Basically free Dividend! The same thing happen to my Mapletree Industrial Trust, the price before xD is $2.35 and it is still $2.35 on the day after xD. However, this is bonus to me.
Ultimately, dividend investing is for the long term, as long as you vested in good companies, the fluctuation of the price of its shares doesn’t matter much as long it still give decent sustainable dividends in the long run. Of course, we can trade for additional income (trading around core – point 5 in this article), but this is extra bonus. So always only buy shares that you are willing to keep.
The power of dividend investing!
Some interesting relevant articles about dividend investing that you might be interested. Do read them.
Of course, there is no harm to pump in small money for fun! Look at the recent meme coins pump in Crypto! Most of these are pump and dumps and are risky! (The charts below are taken from Coinmarketcap on 6 May 2023 morning).
$PEPE – pump to 1.5 billions Market Cap from few hundred Ks Market Cap in few weeks xxxx% increase! You will never get this in traditional Finance.
$TIPJA – up from 300k to 4million market CAP in 2 hours and now get to dumped! But who knows what will happen later?
Disclaimer: But do note to only keep amount of money that you can afford to lose if you choose to speculate into such meme coins. Please note that I use the word “speculate”, not invest! It’s fun but dont put your life savings into it. Of course for those who put life savings into it, and it really get pumped to x100, x1000, it’s really life changing amount! Do your own due diligence!
Personally, my preference for my own risk profile is slow and steady with small fun amount in speculative stuff like Meme coins in Crypto to spice up the excitement in life! Ultimately, I am not young anymore, I want to sleep well 🙂
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
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At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
One of the very famous asset classes that many people like to stay invested in is Real Estate Investment Trust (Reit). However, not many people know how to start and what to look out for before investing in Reits.
Many would look for courses and these courses usually charge S$XXX or even S$XXXX. For limited time only, I shall offer exclusive REITs Masterclass at zero course fee today at the end of this article! It’s a Masterclass that you won’t not want to miss!
YES! It is really free. I always offer great values to my readers. For example,
This limited time free course will supercharge your learning, make you grow your wealth in REITs!
Interested but suspicious why would someone offer something so good as free?
Read on to find out more!
Photo generated from Dall.E
Free 2 days REITs MasterClass
Are you looking to invest in real estate but don’t want to deal with the hassle of managing properties? Then you need to learn about Real Estate Investment Trusts (REITs)!
REITs are a unique type of investment that allows you to invest in real estate without actually owning the physical property. By investing in a REIT, you’re essentially buying a share of a real estate portfolio that’s managed by professionals. This means you can enjoy the benefits of real estate investing without the headaches of property management.
If you’re new to REITs, you might be wondering how they work or if they’re a good investment. Well, we have the answers you’re looking for!
Careyourpresent.com will now offer a limited-time free Masterclass on REITs that will give you all the information you need to start investing in this exciting asset class.
In this course, you’ll learn:
What REITs are and how they work
The different types of REITs available
How to evaluate REITs for investment
The potential risks and rewards of investing in REITs
Strategies for building a diversified REIT portfolio
Benefits of MasterClass
Are you ready to unlock the potential of real estate investment trusts (REITs) and take your investment portfolio to the next level? Join our REITs Masterclass course and discover the secrets of successful REITs investing. Our comprehensive program is designed to provide you with the knowledge and skills needed to navigate the REITs market, make informed investment decisions, and generate consistent returns. Don’t miss out on this opportunity to enhance your financial literacy and gain a competitive edge in the investment world.
As a participant in our REITs Masterclass course, you’ll have access to expert instructors with extensive experience in the REITs market. They’ll guide you through a step-by-step process, from understanding the fundamentals of REITs to evaluating different types of REITs and developing a sound investment strategy. You’ll also learn about risk management techniques and how to leverage REITs to diversify your investment portfolio. With our practical approach, you’ll gain the confidence and skills needed to succeed in REITs investing.
The benefits of REITs investing are numerous, including stable dividends, long-term capital appreciation, and low correlation with other asset classes. Our REITs Masterclass course will help you tap into these benefits and create a diversified investment portfolio that generates consistent returns. You’ll learn how to evaluate the financial health of REITs, analyze industry trends, and identify attractive investment opportunities. With our proven strategies, you can take advantage of the potential of REITs and achieve your financial goals.
At the end of our REITs Masterclass course, you’ll receive a certificate of completion, demonstrating your proficiency in REITs investing. You’ll also have access to a community of like-minded investors, where you can exchange ideas and insights about the REITs market. Join us today and take the first step towards building a strong foundation for your financial future. With our practical and comprehensive program, you’ll gain the knowledge and skills to make informed investment decisions and achieve your financial goals.
As a loyal reader of our site, we are pleased to offer you our REITs Masterclass course completely free of charge. We understand that investing in your financial future is a significant decision, and we want to make it as accessible as possible. Our goal is to provide you with the tools and knowledge you need to succeed in REITs investing without any financial barrier. So don’t hesitate to take advantage of this incredible opportunity and join our REITs Masterclass course today, absolutely free of cost.
This course is perfect for anyone who wants to learn about REITs and how they can fit into their investment portfolio. Whether you’re an experienced investor looking to expand your portfolio or a beginner just starting out, this course will provide you with the knowledge and tools you need to succeed.
But hurry, this limited-time offer won’t be around forever!
Sign up now to take advantage of this free REITs course and start your journey to real estate investing success.
What are REITs?
Before we start the course, let me share something about Real estate investment trusts (REITs).
REITs are a special class of publicly traded companies that own and operate income-producing real estate. A REIT’s income can be either derived from renting out property, such as apartments, shopping malls or offices; or by collecting rent on mortgages. Because of their unique structure and tax advantages, REITs offer investors a number of advantages over other types of investments.
Why REITs?
This is the first question that would come to the mind of many people. There are 3 key reason(s).
Read on to find out more!
Above average dividend yield.
The dividend yield is the percentage of the share price that is paid out in dividends.
Dividends are a reliable source of income, and they’re paid quarterly.
You can use this number to compare different companies.
Lower risk.
A Reit’s portfolio of properties is a diversified mix of commercial, residential and industrial properties. This means that if one property fails, it won’t affect the whole business as much.
The management team at a Reit is also crucial to its success. A strong management team can make or break your investment; this means you should choose one with a track record of success in managing real estate portfolios.
Higher liquidity.
You can sell your share easily.
Shares of Reits can be sold on the stock exchange, which makes them more liquid than other assets such as real estate. This means that it’s easier to sell your investment when you want to or need to do so, whether because of financial pressures or other reasons.
Shares in a Reit can also be sold directly by investors who hold them (unlike private investors) or through fund managers who manage funds that invest in Reits (publicly traded). Some Reits are owned by property developers and these companies may choose to sell their interest in these properties at some point in order for them to focus on developing new ones instead; this increases liquidity even further!
Masterclass
Let’s back to the actual Masterclass
A typical course will be 1-2 days with fees charging from S$XXX or even S$XXXX.
Let me give you a 2 Days Reit Master for free now!
Read on to find out more!
Course Outline
Introduction to REITs
What are REITs?
How do REITs work?
History of REITs in Singapore
Tax structure for REITs in Singapore
Tax benefits for REITs
Tax implications for investors
Compliance requirements for REITs
Types of REITs in Singapore
Retail REITs
Office REITs
Industrial REITs
Healthcare REITs
Hospitality REITs
Evaluating REITs for investment
Understanding key performance indicators (KPIs)
Analyzing financial statements
Conducting market research
Risks and rewards of investing in REITs
Market risks
Interest rate risks
Inflation risks
Distribution risks
Potential returns and dividends
Strategies for building a diversified REIT portfolio
Asset allocation
Portfolio rebalancing
Dollar-cost averaging
Tax-efficient investing
Example of REITs to buy in Singapore context
Comparison of top REITs in Singapore
Analysis of performance and growth prospects
Selection criteria for REITs
REIT ETFs and why to invest
Benefits of investing in REIT ETFs
Comparison of REIT ETFs in Singapore
How to evaluate and select REIT ETFs
The course will be taught through a mix of lectures, case studies, and group discussions to provide a comprehensive understanding of REITs in Singapore context. At the end of the course, students will have the knowledge and skills to evaluate, select, and manage a diversified REIT portfolio in the Singapore market.
Are you Ready for the course?
Interested in the course outline above?
Ready to supercharge your leading and earn generational wealth in the market?
You have came to the right place! EXCLUSIVE free course for my loyal readers!
While stock last! Limited time free course now! Price will goes up after 24 Hours later! Sign up now so that you won’t regret!
Thank you!
Thank you for reading so far.
I am really not charging you for the course. The above are what usually people who conduct course write as a marketing tactic to lure you to sign up for the course.
If they can be rich from market themselves, why did they sell and charge so expensive course to you in the first place? So much free time?
The real truth is I am not selling any course but I will share with you on the transcript that people may use to conduct course (or MasterClass since it sound more professional and value for money) for free! Of course, you can learn something more about REITs from it.
Course Transcripts
Introduction to REITs:
Welcome to the REITs in Singapore course! In this first module, we will introduce you to the concept of REITs and how they work.
REITs, or Real Estate Investment Trusts, are investment vehicles that pool money from investors to purchase, operate, and manage real estate assets. REITs typically generate rental income from their properties, which is then distributed to investors in the form of dividends.
In Singapore, REITs are regulated by the Monetary Authority of Singapore (MAS) and are required to distribute at least 90% of their taxable income to shareholders. This means that REITs can offer high dividend yields to investors, making them an attractive investment option.
REITs were first introduced in Singapore in 2002, with the launch of the CapitaMall Trust. Since then, the REIT market in Singapore has grown significantly, with over 40 REITs and property trusts listed on the Singapore Exchange (SGX).
REITs are popular among investors because they offer exposure to real estate without the need for direct ownership or management of properties. This means that investors can benefit from the potential appreciation in property values and the regular income streams from rental income, without the hassles of property management.
In the next module, we will discuss the tax structure for REITs in Singapore and the benefits they offer to investors.
Tax structure for REITs in Singapore
Welcome to the second module of the REITs in Singapore course. In this module, we will discuss the tax structure for REITs in Singapore and the benefits they offer to investors.
In Singapore, REITs are exempt from corporate tax, provided that they distribute at least 90% of their taxable income to shareholders. This tax exemption allows REITs to offer higher yields to investors compared to other types of investments. On the investor’s end, they won’t be charge for any taxes.
The tax structure for REITs in Singapore makes them an attractive investment option for both local and foreign investors. The tax benefits, combined with the high dividend yields, make REITs a viable alternative to traditional fixed-income investments.
In the next module, we will discuss the different types of REITs available in Singapore and their characteristics.
Types of REITs in Singapore
Welcome to the third module of the REITs in Singapore course. In this module, we will discuss the different types of REITs available in Singapore and their characteristics.
There are six main types of REITs listed on the Singapore Exchange (SGX):
Retail REITs – these invest in shopping malls, retail centers, and other commercial properties that are leased to retail tenants.
Office REITs – these invest in office buildings and commercial properties that are leased to businesses for office use.
Industrial REITs – these invest in properties used for industrial purposes, such as warehouses, factories, and manufacturing facilities.
Healthcare REITs – these invest in healthcare facilities, such as hospitals, medical centers, and nursing homes.
Hospitality REITs – these invest in hotels, resorts, and other properties in the hospitality industry.
Data Centre REITs – these invest in data centres and IT infrastructure, which are leased to companies for data storage and computing purposes.
Each type of REIT has its own unique characteristics, such as the type of property it invests in, the tenant mix, and the location of its properties. Retail REITs, for example, may be affected by changes in consumer spending habits, while data centre REITs may be affected by the growth of the digital economy.
Investors should consider their investment objectives and risk tolerance when selecting a REIT. Some REITs may offer higher yields but may also come with higher risks, while others may offer more stable returns but with lower yields.
In the next module, we will discuss how to evaluate REITs for investment and the key performance indicators to consider.
How to evaluate REITs for investment
Welcome to the fourth module of the REITs in Singapore course. In this module, we will discuss how to evaluate REITs for investment.
When evaluating REITs, there are several key performance indicators (KPIs) that investors should consider:
Dividend Yield – This is the amount of dividends paid out by the REIT divided by its share price. Investors should compare a REIT’s dividend yield to those of other REITs in the same sector to determine whether it is offering a competitive yield.
Price-to-Book (P/B) Ratio – This is the market price of the REIT’s shares divided by its book value per share. A P/B ratio below 1 suggests that the REIT’s share price is trading below its book value, which may indicate that the REIT is undervalued.
Price-to-Earnings (P/E) Ratio – This is the market price of the REIT’s shares divided by its earnings per share. A low P/E ratio may indicate that the REIT is undervalued or that the market has low expectations for its future growth.
Net Asset Value (NAV) – This is the market value of the REIT’s assets minus its liabilities. Investors should compare a REIT’s NAV per share to its market price per share to determine whether it is trading at a discount or premium to its NAV.
Occupancy Rate – This is the percentage of the REIT’s properties that are currently leased out to tenants. A high occupancy rate may indicate that the REIT is generating stable rental income and may be a sign of a well-managed portfolio.
Debt-to-Asset Ratio – This is the amount of debt the REIT has relative to its total assets. A high debt-to-asset ratio may indicate that the REIT is highly leveraged and may be more vulnerable to interest rate hikes or economic downturns.
Investors should also consider the quality of the REIT’s management team, the diversity of its property portfolio, and the regulatory and market conditions affecting its sector.
In the next module, we will discuss the potential risks and rewards of investing in REITs.
Potential risks and rewards of investing in REITs
Welcome to the fifth module of the REITs in Singapore course. In this module, we will discuss the potential risks and rewards of investing in REITs.
Rewards:
One of the key benefits of investing in REITs is their ability to generate stable, recurring income through rental payments from their tenants. REITs are required to distribute at least 90% of their taxable income to shareholders as dividends, which can provide investors with a steady stream of income. In addition, REITs can offer exposure to a diverse range of properties and sectors, allowing investors to gain exposure to real estate without having to purchase physical properties themselves.
Another potential benefit of investing in REITs is the potential for capital appreciation. As the value of the underlying properties held by the REIT increases, so too may the value of the REIT’s shares. Investors can also benefit from the liquidity of REITs, as they can be bought and sold on stock exchanges like other listed securities.
Risks:
However, there are also several risks associated with investing in REITs. One of the key risks is the potential for changes in interest rates. As REITs often rely on debt financing to purchase properties, rising interest rates can increase their borrowing costs and reduce their profitability. In addition, changes in the regulatory environment, such as changes to tax laws or property regulations, can impact the operations and profitability of REITs.
Another risk is the potential for changes in the underlying property market. If property values decline or rental rates fall, this can reduce the income generated by the REIT and may cause the value of its shares to decline. In addition, if a REIT’s properties are concentrated in a single sector or geographic location, it may be more vulnerable to economic or market conditions affecting that sector or location.
Another risk is the issuing of Rights. As REITs are highly geared instrument, the REITs may called for Equity Fund Raising anytime. This means that if a retiree vested in REITs is dependent on cashflow from REITs, he or she has to plan in advance on how to deal with this kind of scenerios.
Investors should carefully consider these risks and weigh them against the potential rewards when evaluating whether to invest in a particular REIT.
In the next module, we will discuss strategies for building a diversified REIT portfolio.
Strategies for building a diversified REIT portfolio
Welcome to the sixth module of the REITs in Singapore course. In this module, we will discuss strategies for building a diversified REIT portfolio.
Diversification is key to managing risk when investing in REITs. By investing in a diversified portfolio of REITs, investors can spread their risk across different sectors, geographic locations, and property types.
One way to achieve diversification is to invest in a mix of different types of REITs. As we discussed earlier in the course, there are several types of REITs available in Singapore, including retail, office, industrial, healthcare, and data centre REITs. By investing in a mix of these different types of REITs, investors can gain exposure to a diverse range of properties and sectors.
Another way to achieve diversification is to invest in REITs with properties located in different geographic regions. This can help to mitigate the risk of investing in a single location that may be more vulnerable to economic or market conditions.
Investors should also consider the size and quality of the REIT’s property portfolio, as well as the track record of its management team. A REIT with a large and diverse property portfolio, a strong track record of financial performance, and a well-regarded management team may be more likely to weather economic or market fluctuations and generate stable returns for investors.
Finally, investors should consider the overall allocation of REITs in their portfolio. While REITs can provide exposure to real estate, they should be considered as part of a broader investment strategy that takes into account the investor’s overall risk tolerance and investment objectives.
In the final module, we will provide examples of REITs to consider investing in in the Singapore context, as well as an overview of REIT ETFs and why they may be a good investment option.
Examples of what REITs to buy in Singapore context
Welcome to the seventh module of the REITs in Singapore course. In this module, we will provide examples of REITs to consider investing in in the Singapore context.
There are several REITs listed on the Singapore Stock Exchange, each with its own unique portfolio of properties and investment objectives. While there is no one-size-fits-all answer to which REITs are the best to invest in, we will highlight a few that may be worth considering based on their track record and financial performance.
One of the largest and most well-established REITs in Singapore is Mapletree Commercial Trust (MCT). MCT primarily invests in retail and office properties in Singapore, including the popular VivoCity shopping mall and the Mapletree Business City office complex. MCT has a track record of stable financial performance and consistent dividend payouts.
Another REIT worth considering is Keppel DC REIT, which invests in data centre properties across Asia-Pacific and Europe. With the increasing demand for cloud computing and data storage, data centres have become an attractive investment opportunity. Keppel DC REIT has a well-diversified portfolio of properties and has delivered strong financial performance in recent years.
For investors looking for exposure to healthcare properties, Parkway Life REIT may be a good option. Parkway Life REIT primarily invests in healthcare properties in Japan and Singapore, including hospitals and nursing homes. With an aging population and increasing demand for healthcare services, healthcare properties may be a promising area for investment.
These are just a few examples of REITs to consider investing in in the Singapore context. Investors should conduct their own due diligence and evaluate each REIT based on its portfolio, financial performance, and other factors relevant to their investment objectives.
In the final module, we will provide an overview of REIT ETFs and why they may be a good investment option for those looking for diversified exposure to the REIT market.
What are REIT ETFs and why should you invest
Welcome to the eighth and final module of the REITs in Singapore course. In this module, we will provide an overview of REIT ETFs and why they may be a good investment option for those looking for diversified exposure to the REIT market.
REIT ETFs are exchange-traded funds that invest in a diversified portfolio of REITs. By investing in a REIT ETF, investors can gain exposure to a wide range of REITs with just one investment. This can help to reduce the risk of investing in a single REIT and provide a convenient way to build a diversified REIT portfolio.
There are several REIT ETFs listed on the Singapore Stock Exchange, each with its own unique portfolio and investment strategy. One example is the NikkoAM-StraitsTrading Asia ex Japan REIT ETF, which invests in a diversified portfolio of REITs across Asia excluding Japan. The ETF aims to provide investors with stable income and long-term capital growth.
Another example is the Lion-Phillip S-REIT ETF, which invests in a diversified portfolio of REITs listed on the Singapore Stock Exchange. The ETF aims to provide investors with exposure to the Singapore REIT market and generate consistent income and capital growth over the long term.
Investing in a REIT ETF may be a good option for investors looking for exposure to the REIT market but do not have the time or expertise to evaluate individual REITs. REIT ETFs also provide a convenient way to gain exposure to the REIT market with just one investment.
Case study of a REIT
One example of a successful REIT is the Ascendas Real Estate Investment Trust (Ascendas REIT), which is listed on the Singapore Stock Exchange. Ascendas REIT invests in a diverse portfolio of properties, including business and science parks, industrial properties, data centres, and logistics properties across Singapore, Australia, and the United Kingdom.
Ascendas REIT has a track record of stable financial performance and consistent dividend payouts. In 2020, despite the challenges posed by the COVID-19 pandemic, Ascendas REIT reported a net property income of SGD 1.02 billion, a 5.5% increase from the previous year. The REIT also maintained a high occupancy rate of 91.8% across its properties.
One of the key factors contributing to Ascendas REIT’s success is its focus on acquiring high-quality properties in strategic locations that are in demand by its tenants. For example, in 2019, Ascendas REIT acquired a portfolio of 28 logistics properties in the United Kingdom for GBP 257.5 million, providing the REIT with exposure to a growing logistics market and increasing its diversification.
Another factor contributing to Ascendas REIT’s success is its strong management team, which has a wealth of experience in the real estate industry. The REIT’s management team has demonstrated a commitment to maintaining a strong balance sheet and ensuring that the REIT’s properties are well-maintained and operated efficiently.
Overall, Ascendas REIT is a prime example of a well-managed and diversified REIT that has delivered consistent returns for its investors. By investing in a diverse portfolio of properties across multiple geographies, Ascendas REIT has been able to weather economic uncertainties and provide stable income for its investors.
End of Course
With the above, starting from the purple color text, with the Course Transcripts, one can package the above into slides, with some case studies, group discussion during the MasterClass and there you go!
$999 MasterClass of REITs for 2 days. If a class has 30 participants, that’s S$30K capital that one can use to invest in the actual stock market!
Earn some Free money
Do remember to earn some free money by using the two links below:
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
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Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
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