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Hi Josh, love your videos, do you think a portfolio with just sg reits and sg govt bonds would be good combi ? I don't really understand the need for 4% withdrawal rule when I could expect 4% interest/dividend perpetually (hopefully) from the portfolio with the principal untouched
Hi Adrian, thank you for the high praise. Good combi part cant be commented without knowing the full picture. Ideally dont have too much of govt bonds. 4% rule assumption is a 60/40 equity bond portfolio. Hence the yield is not at 4% and some capital needs to be consumed. Risk of full REIT portfolio giving more than 4% is that REIT if chosen wrong can cut dividends actually and value can swing wildly. I've handpicked this for you =) New Way To Plan How Much You Need For Early Retirement | Not 4 Percent Rule! ua-cam.com/video/y_yTaENRlZI/v-deo.html
Hi Josh, you still think so - even with the UK assets? Bought a bit of CL Ascendas and Fraser Centrepoint REITs today. Suntec now also down quite low at below S$1.40.....
I'd just like to highlight something which many people dont realise, namely that noone is able to really "fix" their cost of debt for very long. If the high interest rate environment persists for more than a few years, those countries with a greater proportion of fixed rate debt will still suffer the impact, just slightly later than their peers.
if history repeats, ara might privatise at very depressed prices. probably even lower than current prices. so if i hold any ara related, i have to DCA and average down ?
Hi Roland, good day. I cannot give specific advice on public. But 67.6% financial seems more glaring and more worthy of reconsideration if there is concentration risk k
With the Feds tightening ongoing, REITs will be affected directly as they are unable to loan alot $ and will thus sell rights and force holders to buy in to prevent dilution. My thoughts not financial advice.
Likely incorrect. REITs and actually businesses in general WILL STILL BE ABLE TO LOAN. It's like our home mortgage. It's just a different interest rate. And whether they can pass the cost to tenants... Hope it clarifies
Update 8Nov22 - Celine Tang from Singhaiyi Group buys another 2m of Suntec Reit at $1.31
Update 25aug22 - Celine Tang buys 1,000,000 more suntec shares at $1.60
► NEW LAUNCH 🔥 In partnership with WeBull stocks trading account! Get Your Free Shares! (T&C applies) Step #1 www.webull.com.sg/i/joshtan Step #2 - Go under open account and use Myinfo. Step #3 - Deposit after application approved! Step #4 Start trade
Hi Josh, love your videos, do you think a portfolio with just sg reits and sg govt bonds would be good combi ? I don't really understand the need for 4% withdrawal rule when I could expect 4% interest/dividend perpetually (hopefully) from the portfolio with the principal untouched
Hi Adrian, thank you for the high praise. Good combi part cant be commented without knowing the full picture. Ideally dont have too much of govt bonds.
4% rule assumption is a 60/40 equity bond portfolio. Hence the yield is not at 4% and some capital needs to be consumed. Risk of full REIT portfolio giving more than 4% is that REIT if chosen wrong can cut dividends actually and value can swing wildly.
I've handpicked this for you =) New Way To Plan How Much You Need For Early Retirement | Not 4 Percent Rule! ua-cam.com/video/y_yTaENRlZI/v-deo.html
1.06 now ...lol
Yes been a hard journey. Some updates here ua-cam.com/video/yrDEBEynS_A/v-deo.htmlsi=J7_JLSnsjFgi8LY8
Hi Josh, you still think so - even with the UK assets? Bought a bit of CL Ascendas and Fraser Centrepoint REITs today. Suntec now also down quite low at below S$1.40.....
If it were cheap then it is cheaper now. Question I ask myself more is have I overconcentrated? have i underestimated how long it takes for recovery?
@@joshconsultancy Perhaps, but OTOH if you don't buy when things are cheap when do you buy.....?
Josh always has a soft spot for suntec reit
Indeed lol
Guys let's smash the like button! Thanks Josh for his time and effort man
I'd just like to highlight something which many people dont realise, namely that noone is able to really "fix" their cost of debt for very long. If the high interest rate environment persists for more than a few years, those countries with a greater proportion of fixed rate debt will still suffer the impact, just slightly later than their peers.
That is true. But market and expectations will actual adjust gradually also dun worry. Cya around
Thanks for the great tips once again.
No probs WK =)
Another amazing video and funny joke with the 10x hahah
Thank you Nigel for the high praise!
The dividend is low for a REIT, I will pass.
So.. Any conclusion for suntec REIT? .
Is it good at current price and also do you think it's high debt of 50 percent j fix will lead to problem later
You decide =P
if history repeats, ara might privatise at very depressed prices. probably even lower than current prices. so if i hold any ara related, i have to DCA and average down ?
Curious which past ARA deal you referring to?
@@joshconsultancy
ara assets management.
Financial-67.6%
REIT - 9.6%
Bond - 7.7%
Mfg - 7.8%
Oth - 7.2%
I am 72 this year, do you reckon I am too light on reit? Thanks!
Hi Roland, good day. I cannot give specific advice on public. But 67.6% financial seems more glaring and more worthy of reconsideration if there is concentration risk k
Thanks mate!
Why bother with a foreign REIT one can't buy in US stock exchange? Besides, compare to KNOP, this REIT is worth the value and dividend !
Its local to me =)
With the Feds tightening ongoing, REITs will be affected directly as they are unable to loan alot $ and will thus sell rights and force holders to buy in to prevent dilution. My thoughts not financial advice.
Likely incorrect. REITs and actually businesses in general WILL STILL BE ABLE TO LOAN. It's like our home mortgage. It's just a different interest rate. And whether they can pass the cost to tenants... Hope it clarifies
Yes! it's sad to see Just Dough moving out!
You work around suntec also?
Hi Josh 🤩 , greetz from Germany
Hi jens =) curious, u follow SG reits?
@@joshconsultancy more stocks, but will consider reits too 😉
Hi ! Good day !
Great video. One of the best reit out there!
Josh, Fraser Property seems stuck. Any thoughts on this stock?
Hi Lawrence, many developers are stuck at a suppressed NAV. Wingtai and Guocoland are in a similar market sentiment