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.

Saturday, December 15, 2018

It has been a while... My portfolio after the broad-based drop and a whammy from Asian Pay Television Trust.

It has been a while since I write a blog here and I must admit that I am too busy with my own things to continue to analyze and keep up with my investments. Thus, I was very late in realizing that the market and therefore my portfolio has fallen by quite a lot which emotionally I was very sad.

Moreover, I was hard hit by the sudden drop of Asian Pay Television Trust which has hit me really hard. Together with the broad-based correction of the market, the hard work that I have painstakingly built up, dividends and the profits were all returned back to the market. To think back, there were tell tale signs in the beginning but I have foolishly ignored them. Anyway, I have sold them, believing that it will not recover back to the previous levels based on current metrics.

One thing that I have learnt is that investing can't be passive as what I have always believed. When I am doing well is because of close monitoring, able to pick up signals early and act on them. It may not be a full-time job, but it is never passive. Thus, my lesson is that I need to be a lot more active, alert even in the midst of busyness, continue to update this blog which tracks how closely I am monitoring. (That's is how I check myself).

Anyway, this is my portfolio as of now. Not nice and pleasant to see if you compare it with my previous postings. But just thankful that not all is gone. Starting all over again, with a bit of caution, and a bit of fear.


  1. Hope you're still fine. Have been following your blog queietly... as investing is a continuous journey, let's learn from aptt incident and we shall do better next time.

  2. Hihi its been a very long time hope you doing fine... Have also been hit hard by aptv cos bought a lot at high too... saw that your top position is ESR reit which i think you have been acmulating. Any reasons?

  3. Chin up. Keep investing and learning and all will be well.

  4. Yes, my portfolio with some similar counters suffered the same fate e.g. Lippo, hph and global investment. All money made returned and still incurred a net loss. Most toxic are those non accretive rights issee, particularly Oue comn reit. It left investors no choice - dont subsribe your investment got diluted, subscribe it but the share price already dived low low, sell the shares and you will incur a loss. Seems I should get a job from one of the reits, need money get from investors, lost money said bussiness is 'challenging', Cant depend on stock investment for a living. Safest is putting money in the cpf.

  5. Sometimes monitoring is not enough because by the time the information is out for us retail investors, it may be too late.

    What I do is I diversify more, and try to buy stocks with stronger balance sheet (less debt). That usually means less yield, but I am OK with that.

  6. I've been a follower on your blog for some time. Stay strong!

    With recent market activities and many uncertainties, this is why
    I also diversify to lower dividend yield but a lot more stable e.g. SPHREIT, overseas FD etc.

    I've been burnt too