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, September 21, 2015

Analysis of Global Investment Limited - High yield savings account? It just melted.

Current Price on 8th Sept 2015 = $0.13
  • Yield = 11.54%  
  • Price-to-book Ratio = 0.619
  • Assets per unit = $0.217
  • Debt per unit = $0.007 (including current liabilities)
  • Gearing = 7.15%
  • Secured NAV = $0.21 (165% of trading price)
Ever since my previous post, the stock market melted quickly and Global Investment Limited is not spared. Moreover, it melted by more than 15% which is painful to investors like myself who is vested with about 595,000 shares. You can think of the impact that it has on myself.

Looking at the statistics now, yield is at a high of 11.54% which is extremely high. Price-to-book ratio is 0.619 which means it is trading at 38% discount of its NAV. Moreover, it has no debts which mean it is fully secured.

The only issue is that there is a significant portfolio which is in stocks and bonds and I believe they are not spared of the meltdown which at this point is still undetermined. Assets probably would have gone down. In my opinion, we should give it at 15% discount i.e. $0.1785.

I am still holding on to this and I am converting all my dividends into shares at $0.128 which is their conversion price. This gives me 34,888 shares and I would have a total of 630,299 shares (exact) worth $81,308. If I want to cash out my dividend, I would just need to sell about 66,000 shares to get $8,580. I will continue to hold on and ride through this. It has no debts, so there is no risk of failing.

5 comments:

  1. be careful of averaging in and be wary of it becoming averaging down because of any cognitive biases.

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    Replies
    1. Hi SMK,

      Apologies but I don't understand your comments. Can explain a bit more? :-)

      Delete
  2. This comment has been removed by the author.

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  3. I'm attracted by this stock, but I also feel sorta skeptical about their dividend. I wonder whether they can really keep present level of dividend, while their portfolio doesn't look quite special and China crisis is still going on.

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    1. Hi Unknown,

      Well, I am vested for quite a while for this counter already (more than two years) and they are still paying. Plus their operating profit is usually larger than their distributions so I am quite confident.

      Delete