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, May 22, 2014

Analysis of Croesus Retail Trust

Current Price on 17th May 2014 = $0.95
  • Current Yield = 7.4%  
  • Price-to-book Ratio = 1.076
  • Assets per unit = $2.21
  • Debt per unit = $1.326 (including current liabilities)
  • Gearing = 60.1%
  • Secured NAV = $0.199 (21%)

Croesus Retail Trust has published its results which I thought was worrying. Here is my analysis.

Yield is at 7.41% which is quite of a concern because its yield is suppose to be higher at around 8 - 9%. It is trading at a premium of 7.6% which is not attractive. One more worrying sign is its gearing which is the highest at 60.1%. With such high leverage, I am not very sure whether it is sustainable. Although they are acquiring properties at a discount to NAV, I have also notice that their NAV has actually dropped.

I think the reason why they are ready to take on such high leverage is the extremely low interest rates which are fixed and maturing only in 2017 earliest.  With Yen getting cheaper, the loan will just get smaller as the asset price rises with inflation. Nevertheless, it is still a risk worth noting.

There is another two REITs which is comparable to Croesus Retail Trust in terms of yield and that is Ascendas Hospitality Trust and Viva Industrial Trust. Will be analyzing that before I decide whether to sell my holdings in Croesus.

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