My portfolio tends to evolve after every deep market correction as I find ways to improve on it. During the last serious bear market in 2016, I divested those weaker, 2nd-tier REITs such as AIMS AMP, First REIT and Cache Logistics. The raging oil price crisis in 2016 gave investors the perfect opportunity to go big into top-tier REITs as well as the 3 local banks because their valuations were rather beaten down. Too much irrational fear over the banks' NPL exposure from the O&G sector back in those days. So, I made the transition, believing that I would reap solid returns in the future. Thanks to my lucky stars, my bold decision was proven right as the market rallied beautifully in 2017. By the end of 2017, my portfolio transformation was pretty much complete, a combination of banks and quality REITs. Dividends and growth.

Remarkably, those top-tier REITs with strong...