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.

Thursday, September 12, 2013

Analysis of LMIR

Current Price on 11th Sept 2013 = $0.44
  • Current Yield = 7.61%  
  • Price-to-book Ratio = 0.91
  • Assets per unit = $0.804
  • Debt per unit = $0.323 (including current liabilities)
  • Gearing = 40.2%
  • Secured NAV = $0.362 (82%)

LMIR has dropped by quite a lot this month due to falling Indonesian Rupiah and uncertain Indonesian Economy. Therefore, my analysis above has factored in a 10% reduction in its assets, yield and secured NAV.

The yield is still at 7.61% which is still higher than Indonesian Central Bank's rate at 7%. This means that the difference between risk-free rate and LMIR is actually very small. There are news that they are raising interest rates soon which could help to stabilise the rupiah, thus protecting LMIR in some sense. But I am not too sure whether valuation will drop because of it as well.

LMIR is still trading at a discount to NAV but the revised rate is at 0.91 which is not very attractive considering the location. Gearing is creeping up which pose a risk.

I am vested with 114,000 shares which is quite a lot to me. I intend to ride it through this difficult period with them, believing that things will turn for the better with the rising middle class.

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