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.

Monday, March 30, 2015

Analysis of OUE Commercial Trust

Current Price on 27th Mar 2015 = $0.80
  • Yield = 7.25%  
  • Price-to-book Ratio = 0.724
  • Assets per unit = $1.97
  • Debt per unit = $0.829 (including current liabilities)
  • Gearing = 43.0%
With $60,000 cash from the proceeds of all those sales that I have made, I am on the lookout for more investment opportunities. OUE Commercial Trust is one of those which I am considering.

One key attraction is the price-to-book ratio which is currently at 0.724. It is probably the lowest in the market with significant proportion of properties in Singapore. 70% of its portfolio is in Singapore while 30% is in China. Thus, I will proportion it to be S$0.77 in Singapore and S$0.33 in China. One key issue is that the Lippo Plaza has a remaining lease of 29 years which is very short. It means that the depreciation of its China asset will be faster compared to its Singapore properties which has an average lease of about 80 years (with exception of OUE Link).

Still I think that with the current trading price of $0.80, I am getting it at a steep discount even if I gave steep discount to NAV of Lippo Plaza. Moreover, they are still generating cashflow for us for 29 years so I thought it is still good for me.

In my investment criteria, I have a criteria of at least 8% yield which OUE Commercial Trust does not qualify. However, in view of its price-to-book ratio, I think it should be worth the risk and lower yield. I remember Suntec REIT was trading at a steep discount as well and it appreciated to match its peers. I hope OUE Commercial Trust will do the same.

Of course, with the current investment climate, we need to think whether we should hold cash as well.

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