Author: Dr Wealth

4 Characteristics an Ideal REIT Investment Needs

In a previous post, I shared about the three things that investors should avoid when making investment in any REIT. But knowing what to avoid might not intuitively translate to knowing what to search for when investing in REITs. Thus, I want to highlight four important characteristics that ideal REIT investments need to possess before we embrace them in our portfolio. 1. Ideal REITs Shouldn’t Be Overvalued Despite having a different structure to the traditional real estate investment structure, REITs are an investment which rely on the underlying real estate’s ability to generate income. As with all real estate...

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4 Personal Finance Tips And Tricks Every Fresh Graduate Should Know

Heading into the month of July, many of you will be completing the ‘last leg’ of your education journey (let’s not forget the government’s push for lifelong learning though). For some of you, it might be the first time you are managing your personal finances. You might find yourself clueless about the DOs and DON’Ts. Thus, we compiled a list of four personal finance tips and tricks that every fresh graduate should know to help you manage your personal finance. 1. Settle Your Tuition Fee Loan Quick (If Possible) If you have just graduated from one of the local...

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7 Essential Financial Planning Questions That You Need An Answer To

One out of 10 Singaporean is a millionaire. Singapore is a rich country indeed. Despite living in such a wealthy country, many people are still living paycheck-to-paycheck without proper financial planning. Many working adults are simply too busy with work that they have no time to take care of their own finances. They only think about their finances at certain stages of life – marriage, having a child, purchasing property. Some only start to be concerned as they approach retirement age. At other times, they remain blissfully unaware of the need to plan. Although Singapore has one of the...

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What if you could get up-to-speed with today’s finance and investing scene in just a day?

Without having to spend an arm and a leg for it. Our friends at BIGScribe are holding their inaugural Investors Exchange. They aim to gather the best retail investing practitioners in Singapore and have them openly share about their investing concepts. How Investing Works Here is a simplified explanation; A) Business owners list their companies for various reasons. To raise funds, to achieve a ‘status’, etc. The reason isn’t the key. B) Once they list their business on an exchange, investors gain access to the company through its shares. D) The stock price on the exchange is a reflection...

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Cornered by Debt and In Despair at 22, Here Is How He Turned His Life Around – Interview with Koh Eng Beng from Happiness Notebook

I first met Eng Beng when he covered my story on Pioneer magazine. Despite being acquaintances on Facebook, we did not keep in touch after the interview. Some time this year I saw his update on Facebook, a picture of him with former Minister Mah Bow Tan. I went on to read his story. I was deeply saddened yet inspired at the same time. Dysfunctional family. Work and study at the same time. Harassed by loan sharks and saddled with a mortgage at 22 years old. I have little confidence I could emerge from the ordeal like he did....

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Singapore Parents Are Suckers For Formula Milk

Infant formula milk has come into the spotlight recently as the prices of premium formula milk products have risen 120% in the past 10 years in Singapore. The Government has set up a taskforce to look into this matter. I, too, have an interest in this subject as a new parent and I would like to share my thoughts in this article. Causes of the rising prices The Competition Commission of Singapore released a report and attributed the rising prices to increased research and development as well as marketing costs. I can understand that the marketing costs could be high because many brands...

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3 Lessons I Learnt From Noble’s Downfall

The past few weeks weren’t the best of weeks for shareholders of Noble. Noble’s share price went tumbling down from $1.34 to $0.44, which is barely 33 percent of its recent valuation! The sudden fall in share price was attributable to two significant events: management profit guidance which led to fears that Noble’s troubles have yet to subside a credit rating downgrade by S&P The fall of Noble, as the largest commodities trader in Asia, from the brutal attack by Iceberg Research acts as a reminder for investors like myself to learn from and avoid investing in rogue companies....

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5 S-REITs that Underperformed in 1Q17

While there were outperforming REITs for the quarter, there were a number of REITs that failed to put in a decent set of results for the quarter. In the final part of the 1Q17 report card series for REITs, we highlight five REITs that had a quarter they wish they could forget. 1. Frasers Commercial Trust Frasers Commercial Trust delivered an above average quarterly result with the Australian segment delivering as the Australian portfolio benefited from stronger AUD and higher occupancy. This drove DPU growth to two percent year-on-year. While the uncertainty of a potential loss of HP as a...

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3 S-REITs that outperformed in 1Q17

Following the REITs Report for 1Q17, we dive into individual REITs performance in today’s report. Here, we highlight three REITs that managed to outperform the rest of the REITs. 1. CapitaLand Retail China Trust Capita Retail China Trust had two positive catalysts working for them in 1Q17: Firstly, CapitaMall Minzhongleyuan has finally managed to turnaround its poor rental performance with a 35.1 percent gowth in rental reversions for 11 percent of its net lettable area leases. Shopper traffic and sales at the mall has been growing in strong double digit figures upwards of 60 percent year-on-year. Secondly, CapitaMall Xinnan...

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REITs Report Card For 1Q17

With the 1Q17 quarterly reporting for Singapore-listed REITs more or less done, we resume our REITs report card series. We analysed the quarterly results of REIT sub-sectors and some notable REITs that have either done well or underperformed. Industrial REITs Source: Trading Economics Singapore’s Purchasing Manager Index (PMI) has been recording an expansion for the eighth consecutive month. Apart from expanding consistently, economic indicators also point towards faster expansion in the manufacturing sector. This encouraging economic data is a positive sign for the industrial sector’s demand as industrial demand shows signs of picking up since the start of 2017. With the industrial...

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4 ways to lower your family’s expenses

Managing your own expenses is difficult. Imagine having to manage the expenses of 3 to 4 people at the same time. It’s little wonder that most people find it difficult to manage and maintain their expenses as a family. That being said, it’s not impossible to manage your family’s expenses efficiently. Truth is, with careful planning, adjustments in expectations and a clear plan of action, you can always find ways to even reduce your expenses. Here are 4 tips on how you can do it. 1. Stick to a Family Budget Start by defining your family budget. It is...

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Can you really afford that condominium in Singapore?

No doubt that living in a condominium feels a whole lot different compared to staying in a HDB flat. There is security, luxury fittings and an array of facilities available at your convenience (swimming pool, gym, etc). All perks of a high-end living. You must take time to carefully consider all the facts before committing to what is likely to be the biggest investment you’ll ever make. Take it slow and do your sums carefully. An over-eager homeowner may run into financial difficulties by rushing to buy a condominium apartment without thoroughly doing the proper background checks on the...

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DIY Home Renovation: Getting the best bang for your buck

Spending money on renovation is similar to investing whose chief aim is to get the most value out of our money. Most would agree that the renovation journey can be hard especially for a first timer, and harder if you have no clue of what is in store. This post is to share some personal experiences on how to optimize the renovation budget and identifying areas for cost savings in cold hard cash. Understanding renovation As a first step, it is useful to know what covers the standard scope of renovation works. A typical quotation from an interior designer...

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Top 5 Dividend Investing Mistakes to Avoid

The world of investing is one in which you can never fully eliminate the risks, as many new investors are quick to find out. However, by making better decisions and, more importantly, avoiding bad ones, you can minimise the level of risks that you take. Here are some suggestions for improving your odds of making successful investments. Mistake 1: Focusing Too Strictly On Yield New investors often have the misconception that investing in high-yield stocks is the safest move. This is not always the case, and in fact, sometimes the fact that a stock is high-yielding can be a warning...

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4 Myths About Dividend Investing in the Stock Market

Stock market analysts and investors frequently take sides when it comes to the topic of dividend stock investing. There are the cheerleaders on one side who think dividend stocks are basically the next best thing to having free money. Then there are the naysayers on the other hand who think that dividend stocks are the worst thing after a government takeover. There is a tendency for the truth to be somewhere in between these two views. In this article, we will be debunking the four most common misconceptions and myths regarding dividend stock investing to give you a more balanced...

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