Welcome

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.

J5 Investment Fund

Here is my current portfolio for your reference and comments as of 25th April 2017.







60 comments:

  1. can i know what is the account u using for reits investment?

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    Replies
    1. Previously, I use DBS vickers Cash upfront to buy... It will be in my CDP for long term holdings.

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    2. Hi, I'm 37 but I just realised the importance of investing. Would like to start. Can you please send me your spreadsheet for reference? danbai96@hotmail.com Thank you.

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    3. Hello Sir,

      I enjoy reading your blogs and wanted to start investing. May I have a softcopy of your current portfolio? My email: daniel.phua90@gmail.com

      Thank you very much:)

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    4. Hi Sir,

      I enjoy reading your blogs and realize the importance of investing. May I have a softcopy of your current portfolio? My email: daniel.phua90@gmail.com

      Thank you. Wishes you and your family a Happy CNY :)

      Delete
  2. would it be possible to share the spreadsheet that you are using?

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    Replies
    1. Please send me an email and I will respond. :-)

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    2. Hi, can you send me the spreadsheet soft copy for the portfolio?
      My email: terrynghk78@yahoo.com.sg

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    3. Hi, sorry to bother you, can you send me the spreadsheet soft copy that you are using as well?

      Email: ktang003@e.ntu.edu.sg

      Thanks! Merry xmas and a happy new year!

      Delete
    4. Hi, can you send me a copy of your spreadsheet as well?

      Email: ktang003@e.ntu.edu.sg

      Thanks! Merry xmas and a happy new year!

      Delete
    5. Hi, can send me a your excel spreadsheet for reference?

      Email: chsee79@yahoo.com

      Many thanks!

      Delete
  3. I enjoy reading your blogs. May I have a softcopy of your current portfolio? My email: matthewlow2005@gmail.com

    Thank you. Wishes you and your family a Happy CNY :)

    ReplyDelete
  4. I like your sharing and analysis which really enjoy reading your blogs. Much appreciate you can forward a softcopy of your current portfolio? My email: ryantoh83@yahoo.com.sg

    Wishes you and your family a Happy CNY :)

    ReplyDelete
  5. Your blog has taught me a lot about REITs. I find myself constantly checking back for updates. Could you please forward me the soft copy of your current portfolio? my email is bnroyong@gmail.com. Thank You!

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  7. Hi thank you so much for your useful insights on REITS. I've really learnt alot from your video. Would it be possible to send me your spreadsheet too?

    My email is: beg2differ@gmail.com

    Regards
    Mark

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  8. Hi, I am from Taiwan and already invest some fund at s-reit from April of yr 2014. However, so far it is -0.7%. Would you please share me your spread sheet?. Thank you. Chinlong71@hotmail.com

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  9. This comment has been removed by the author.

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  10. Chanced upon your blog which I find it informative. I am a beginner and wish to ask what is the differences in buying REIT and other stock? As it is traded on stock exchange, it value with change bases on market value. So what is the difference between one who buy it lower price vs higher price since one is one getting the yield? Sorry i ask a redundant question

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  11. Your S Reits are working well.
    My M Reits are doing horribly, averaging 5% to 6%.
    Would appreciate if you could share your spreadsheet with me as well. Thank you very much.
    datachips@yahoo.com

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  12. Thank you for sharing the factors to be taken into consideration when deciding on the REITS to purchase. It is helpful for newbies like me trying to have some passive income. Pls kindly share with me your spreadsheet at ruthleeyl@gmail.com. Thank you!

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  13. Hello, how did you calculate your dividend yield?

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  14. This comment has been removed by the author.

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  15. Hi,what happen to APTT? Price drop so much...

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  16. Hi,

    I am interested to make some passive income from Reits over the long term and your blog is very informative. Thank you for sharing. It would be great if you don't mind to share more
    (1) are you just exclusively investing in Reits for the passive income?
    (2) How many years are you investing in the Reits and is the "distribution" consistent over the years?
    (3) Have you encounter any cash call or right issue from your portfolio so far?

    (4) Do you fix to invest or buy certain units of Reits every month or you will time the market?

    Thank you so much.

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    Replies
    1. Hi Swan Tham,

      That is a lot of questions. I try to answer all the questions here

      1) I invest in business trusts and retail bonds as well. But not other stocks at this point.

      2) I have been investing since I turn 21 which is about 12 years. Distributions don't fluctuate too much. However, I must say that distributions seems to be dropping recently.

      3) I always get rights issue from the portfolio that I have and I always benefit from it. :-)

      4) I don't do monthly averaging (which you have described). To some extent, I do time the market, more to ensure that I don't buy at a high price.

      Hope it helps.

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  17. Hi,thank you so much for your sharing.

    I can see the mall is getting more quiet nowadays and always see some tenant moving out occasionally. So, it might be one of the reason of dropping distribution.

    Actually I still do not understand the difference of business trust and Reits.

    I am still keen to invest in the following as majority of the following properties are based in SG, not sure these are trust or reits though. Do you have any comment?
    - CapitaLand Mall Trust,
    - CapitaLand Commercial Trust
    - Fraser Centrepoint Trust

    Thank you so much for your valuable input.

    ReplyDelete
  18. Hi there, I'm interested in your excel. Could you share it with me?
    My email is edmundlwj@gmail.com

    ReplyDelete
  19. Hi there, I'm trying to learn how reits works and grow some passive income. I chanced upon this blog while googling. I'm interested in your spreadsheet, could you share it with me?
    Thanks in advance!
    tan.tiong@hotmail.com

    ReplyDelete
  20. Hi, just wanted to check with you, what's share financing?

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  21. Is the price in this table what you paid for? Seems that these high dividend yield REITS are not able to hold their price. Losses in the price is so much higher than the dividend yield gain.

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  22. This comment has been removed by the author.

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  23. Hi there, interesting portfolio!

    Wanted to ask about the financing loan, what are your loan terms and from what bank? Is it structured such that you have to pay the interest every month? Thanks!

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    ReplyDelete
  25. Hi,

    I am new to your blog.

    Can you share with me a soft copy of your excel file.

    Regarding rights issue, I am worried that it might dilute the share price. However your experience is you have always benifitted from right issues. Can you share some examples.

    Sorry to trouble you but I'm new to REITs.

    Thanks

    ReplyDelete
  26. Hi there, I'm interested in your excel. Could you share it with me?
    My email is jasonttx@rocketmail.com

    ReplyDelete
  27. Hello, could you send me your excel
    spreadsheet? My email jasonttx@rocketmail.com

    ReplyDelete
  28. thanks for sharing. let me say some harsh words.sorry for being candia,but ur portfolio is full of high yielding counters. there is a reason why their yield is high. it may bring u joy when u receive regular dividends, but these counters had little power in weathering storms. be careful with ur capital.

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  29. Hi, thanks for sharing your experience. Can i request for the spreadsheet send to jer_tan89@hotmail.com

    Thank you in advance.

    ReplyDelete
  30. Hi there , could you please share with me your spreadsheet at climks@gmail.com.

    Thank you !

    ReplyDelete
  31. Hi there ,

    Nice to know you ! Could you please send me the spreadsheet to my email at climks@gmail.com ? Thank you !

    ReplyDelete
  32. Hi, can you send me the spreadsheet to my email at marcuslwt@hotmail.com? Thanks and happy new year to you.

    ReplyDelete
  33. Hi, can send me the soft copied of the excel sheet. My e-mail is at toh.alan@gmail.com

    ReplyDelete
  34. Hi, thanks for sharing your experience. Can i request for the spreadsheet send to kuanhou@hotmail.sg

    ReplyDelete
  35. Hi, thanks for sharing your experience. Can i request for the softcopy of your spreadsheet at kuanhou@hotmail.sg

    ReplyDelete
  36. Hi, thanks for sharing your experience. Can i request for the softcopy of your spreadsheet at anghuiting@live.com.sg

    ReplyDelete
  37. Hello,

    I observe that your portfolio mainly comprises of REITS / Trusts.

    Given that dividend stocks are sensitive to interest rate movements, with the upcoming interest rate hikes, may I know how do you expect your portfolio to be affected, and how do you plan to mitigate these risks?

    Hope to hear your reply soon, and I would appreciate your insight on this, thank you!

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  38. you are sitting only on 25k cash. what if the GFC comes again and all your holdings become half in price? wouldn't you not have enough to average down? (assuming all fundamentals are intact for your counters)

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  39. Your blog impressed and inspired me. Would like to have a copy of spreadsheet- chiang15351@hotmail.com

    ReplyDelete
  40. Your blog has been insightful all this while, thanks fo much for that. If you don't mind, could you please send a soft copy of your spreadsheet to xiezhangyuan@gmail.com ? Thanks again.

    ReplyDelete
  41. Hi, i would like to learn from you to earn passive income from REIT. can send your spreadsheet to chsee79@yahoo.com? thanks!

    ReplyDelete
  42. Hi, your blog has been insightful to me, would it be possible to request for a soft copy of your spreadsheet?

    My email address is fabien_2000@hotmail.com

    ReplyDelete
  43. Hi! I enjoy reading your blog and am new to investments. Would you please send me your portfolio and how do you keep track of the amount of dividends you will be getting.

    My email is lo_yu_hui321@hotmail.com

    Thank you!

    ReplyDelete
  44. Hi, thanks for sharing your experience. Can i request for the spreadsheet send to kelvin642@gmail.com

    Thank You!!

    ReplyDelete
  45. Hi!

    I am interested to have the Excel spreadsheet as well. Possible to share it to me as well?

    My email: nianyuu_01@hotmail.com

    Thanks.

    ReplyDelete
  46. I am interested in the excel spreadsheet. Would it be able to share with me.

    Email: jiadahuang84@gmail.com

    ReplyDelete
  47. Hi!

    I am interested to have the Excel spreadsheet as well. Is it possible to share it to me as well?

    My email: seah.jiaren.darren@gmail.com

    Thanks.

    ReplyDelete
  48. Am interested in your method of analysis, may I have a copy of the spreadsheet? Do you also switch around different REITS or tend to stick to the selected ones as long as they fall within your criteria of a worthy REIT? Please email me at gabngoi@gmail.com

    ReplyDelete