Welcome to my investment blog where I share with you my analysis of REITs in Singapore.

I hope that my investment philosophy will bring me a steady stream of income apart from my job. I am aiming for at least $3,000 per month which can sustain the current expenses of myself and my family.

Do enjoy reading my blog and post any comments that you have. I welcome them because it is a time to learn from each other.

When I am looking at investing in REIT, here are some of the guidelines that I am looking at. Feel free to comment on it. I am willing to listen to ideas.

-> at least 8% yield.
-> Price that is lower than its NAV.
-> Low gearing (if possible)
-> High secured NAV.

Current Dividend income is $3,800/month.

Thursday, September 10, 2015

Updates on J5Investment Fund - Using Passive Income to pay for daily necessities.

I have made some updates on my J5Investment Fund. And yes, I have used my margin account to purchase some investments as well. About $19,000 loan. It is a recent loan so I haven't repay it yet. This is more of temporary then leveraging on debt for long term as discussed earlier this year. I will be repaying this debt soon using dividends collected and savings from family accounts.

At present after the meltdown, I am sitting on a paper loss of about $3,000 even after inclusion of dividends which I have collected about $12,000. Well, there are good times and bad times and I am holding on to long term and gaining an average of $1,450 per month. It is a dream that is coming true to build a strong passive income which will supplement the livelihood of my family. This $1,450 per month is able to pay

1) for groceries which is about $800 per month
2) for eating out which is about $300 per month (both during work and weekends)
3) for Singapore Power bills which is about $120 per month
4) for Singtel bills which is $170 per month for my whole family
5) for S&CC charges which is $57 per month

Well, basic needs almost met. :-)



  1. 6% for ocbc margin is high. Why not take 2.88% from maybank? I am also considering take margin from maybank to buy reit.

    1. I have taken a look at Maybank margin and it is only for selected stocks. Those which I invested are between 5 - 6%.

  2. Yeah maybank ke 2.88 margin sounds good. Wonder if theres any lower rates going around. But the 2.88 is applicable for about 90 items listed on their list.