Author: REIT-TIREMENT

Learn Financial Literacy with CASHFLOW Game

Recently, I come across this CASHFLOW game in Android Google Play, which is based on original board game by Robert Kiyosaki. I believe many people know about Robert Kiyosaki from his book named Rich Dad Poor Dad. This is a paid games in Android Google Play which cost S$ 1.99 (varies depends on the region you are from). You could download the games here if you are interested. I would recommend you to play with your tablet or mirror/link your phone to screen, else you may have a hard time to read if you play it with your smartphone. This game...

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SREITs Basic Fundamental Review – 2020 1Q

Based on 3Q 2019 Result & 3rd Jan 2020 Closing Price. Click to Enlarge* Ascendas India Trust and Dasin Retail Trust are Business Trusts.** Lendlease Global Commercial REIT result not release yet. The above table is extracted from spreadsheet in SREITs Data page.Dividend Yield:Yield Average Median Lowest Highest Healthcare 6.27% 6.27% 3.94% 8.6% Retail 6.43% 6.21% 4.3% 8.93% Office 5.73% 5.75% 3.88% 7.28% Hospitality 7.12% 5.83% 5.15% 11.67% Industrial 6.09% 5.92% 3.62% 8.95% Logistics 6.99% 7.51% 4.71% 8.25% * Based on REIT Major SectorFinancial Metrics:Financial Metrics Unit Average Median Lowest Highest Price/ NAV time 1.1 1.07 0.61 1.94 Market...

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A Decade ago, They Saved S$100K Cash in 4 Years with Earnings BELOW Median Household Income

S100K saving is always considered as a first major milestone, be it for individual or a household. It is not an easy job, it require a lot determination and discipline. I have some of my non-citizen friends/colleagues who are saving for their first HDB purchase. They would require around S$ 100K to S$120K (cash + CPF OA) initial sum for a non-mature 4 room resale HDB. Since I couldn’t find posts which are related to them, I’ve decided to write a story myself, which set in between 2008-2011. Source: Singapore Department of Statistics, include Employer CPF & 1/12 of Annual...

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Tips to Maximize Gain from Paid Survey Sites

After almost 3 weeks of exploring since previous post on Take Survey and Earn Money ? Here are 5 Paid Survey Sites for Singapore, I would like to share some tips on how to maximize gain through those paid survey site. Before that, let’s see how much I have cash out since 3rd Nov till now:i) Surveytime – US$ 8ii) ySense -US$ 30iii) TimeBucks – US$ 10.86iv) Toluna – S$ 20v) Opinion World – S$ 15Total US$ 48.86 + S$ 35, close to S$ 100 in which around US$10 came from referral bonus. It is really more than what I’ve...

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Take Survey and Earn Money ? Here are 5 Paid Survey Sites for Singapore

There are many paid survey sites but not many offer survey decent amount of opportunities in Singapore. Some sites also offer other ways to earn like downloading apps/games, watching video, clicking ads, signing up for website and etc. As most sites offer cash out to Paypal, so do sign up for Paypal account and verify it before you start any survey. I would advise to take survey using PC instead of smartphone, as some surveys require PC to start. Below are 5 sites which I’ve tested and found decent amount of surveys being offered in Singapore. 1) SurveytimeMost simple...

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Retail+Office Hybrid SREITs – Mapletree(s) VS Suntec

3rd quarter SREITs result announcement soon will be started with SPH REIT, you could refer SREITs Result Date page to track all SREITs result annoucement date. For this post ,I would like to do 1 more round of SREITs comparison for Retail+Office Hybrid sector, up to 2nd quarter result. Pug Owl Hybrid There are 6 SREITs below that get income from both retail and office sectors.1) Mapletree Commercial Trust (Majority Office; Retail 46%)2) Mapletree North Asia Commercial Trust (Majority Retail; Office 40%)3) Suntec REIT (Majority Office; Retail 29%)4) Capitaland Commercial Trust  (Majority Office; Retail 14%)5) OUE Commercial Trust (Majority...

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Healthcare SREITs – Parkway Life REIT vs First REIT

Previous post we compare Logistics SREITs, this time we would compare Healthcare REITs. As this moment, there are only 2 healthcare SREITS which are Parkway Life REIT and First REIT, very limited choices. In my view, investors are more lean towards Parkway for its increasing DPU and share price as well as 3 renown hospital properties in Singapore. As for First REIT, investors are concern about its sponsor and near term expiring lease which post a risk of renewal with Indonesia Rupiah currency rental or lower rental rate. Refer below comparison, as per 30th June 2019 Result:Items Unit First...

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Are Logistics SREIT Still Value for Money Now ?

Been awhile since last post, no excuse this time, purely lazy. Though I have not been posting, I am still updating both SREITs data and SREITs results date pages. Today, I would like to post something about logistics SREIT. Feeling lazy A lot of time, it is difficult to differentiate between logistics and industrial properties. Generally, logistics properties are refer to warehouses and distribution centres. On the other hand, industrial properties refer to properties which could be used for manufacture, office, trading or warehousing. For this post I will only cover SREITs with at least 35% income from its logistics...

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REITs Valuation

Previously, I shared about Quantifying REITs Fundamental, which we analyze REIT as a whole and come out a factor value, instead of using common filtering method for REITs selection. For this post, let’s explore how can we make use of those factors for REITs Valuation. Before we start, let’s go through again some common methods for REITs valuation:i) Reversion to Mean Approach– This is a concept in which stock price would move back to its long term average price, over time. Instead of solely look at “price”, investors look at metrics like historical P/NAV, historical dividend yield or historical...

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Quantifying REITs Fundamental

Following previous posts on “How to DIY a REITs Data Collection Spreadsheet” and “How to Come Out a Basic REITs Analysis Summary“, this time let’s see how can we make use of those figures for REIT selection. Some people and paid course provider would have their own checklist for filtering REITs based on criteria, e.g. gearing < 35% or interest cover ratio > 4 times, etc. You could refer following sites for examples:1) The Morley Fool – REIT Investing Made Simple: A Checklist to Pick Out the Best REITs2) Lazy Singaporean – How to evaluate and value REITs3) ZUU Online...

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Healthy Habits for Credit Card Users

Previously, I’ve share about A New Tool to Maximize Cashback & Miles, which is about a new website call Whatcard.sg which you could key in merchants that you always buy from, and find out which credit cards offer cashback or miles. I believe everyone love cashback or miles from credit cards, however, credit card is a double edge sword, if you are not careful enough, you would end up in debts before you knowing it. For this post, let us explore some healthy credit cards habits. Use credit card to you advantage; not to you demise 1) Check Your...

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Sell HDB and Buy a Condo or Two ?

Not too long ago, one property agent came to my house doorstep and offered to assess my family financial situation. I was thinking, what is my family financial situation got to do with a property agent? After I asked further, he explained that through his assessment, maybe we are “able” to afford condo instead of staying in HDB. He mentioned that he helped a lot of clients to realize their dream for owning multiple condominiums in Singapore. He only needed a little bit of our time to discuss and “help” us. And of course, he wouldn’t share detail unless...

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A New Tool to Maximize Cashback & Miles

When I’ve just graduated and started my first work, I am not eligible for credit card application due to annual income less than $ 30,000. Back then, it was 11 years ago, $30,000 income per annum was a challenge for fresh graduates, but as of today, it is not considered a high income. I am quite surprise that most banks do not adjust their income eligibility to match the inflation and salary increase in Singapore. For my first credit card, I had to surf through individual credit card websites to look for its benefits, which is very tedious and...

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Added SREITs Data Page and Revamped Blog Design

It has been 2 months since my last post in May, due to my work. Recently, I finally get to have some times to revamp blog design. Thanks to the guidance from K C from 30 Year Old Investor Blog, I have learnt how to download a template and modify basic html to make the blog to what you seeing now. Also thanks to readers who have been patiently waiting for my blog updates For those who are blogging with blogger or interested to start blogging with blogger, you could visit Gooyabi Templates and download templates for your blog....

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How to Come Out a Basic REITs Analysis Summary

After previous post about data collection, now I would like to share out how to use those data to generate a Basic REITs Analysis Summary through Google Spreadsheets. I will use 3 REITs examples, which are SPH REIT from previous post, First REIT and Ascott Residence Trust. This summary would require consolidation of a few google spreadsheets that I have shared previously. Below are the post of spreadsheets used, I would suggest you to go through first before you continue this post:i) How to Create Your Own Basic REITs Screenerii) Relative Valuation for REITs.iii) How to DIY a REITs Data Collection Spreadsheet...

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