tag:blogger.com,1999:blog-7992228579215130995.comments2024-03-29T14:57:08.442+08:00Investment Income for LifeBlade Knighthttp://www.blogger.com/profile/05103558126797224603noreply@blogger.comBlogger810125tag:blogger.com,1999:blog-7992228579215130995.post-33666774120566054072024-03-28T10:53:53.297+08:002024-03-28T10:53:53.297+08:00No worries, I am sure with your dividend income, y...No worries, I am sure with your dividend income, you can plough it into assets that u wish to grow and hence diversify successfully! Cheers!BFIREhttps://www.blogger.com/profile/11697324341998383583noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-52357097830828258042024-03-25T20:05:32.996+08:002024-03-25T20:05:32.996+08:00Hi BFIRE, how have you been? “Powder” (not power) ...Hi BFIRE, how have you been? “Powder” (not power) house lah….haha. Rebuilding my dividend portfolio as well as doing some re-allocation plus diversification away from REITs too. Last year was bad and this year seems worse for a start :)Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-40934235326704543972024-03-25T19:59:58.887+08:002024-03-25T19:59:58.887+08:00Hi YX, good day to you. Yup, what you mentioned ma...Hi YX, good day to you. Yup, what you mentioned makes perfect sense of not going into these counters when it is “raining falling knives”. <br /><br />I guess the main issue is how much China/Hong Kong exposure one is willing to take up in his/her portfolio at this juncture and also the other inextricably intertwined issue of near to long term China/Hong Kong outlook based on individual perspective. <br /><br />Take care and have a great long weekend ahead! :)Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-23596629031629497012024-03-25T11:28:05.866+08:002024-03-25T11:28:05.866+08:00Yes. HK and China will eventually recover but it w...Yes. HK and China will eventually recover but it will not be quick. XJP high handed policies scared away many foreign investors - The recent cancellation of the usual interview after the 2 meetings (两会) does not help them either. As a Singaporean, I am find with this development. After all there is a saying online: 香港跌倒,新加坡吃饱. Hong Kong' loss is Singapore's gain.<br /><br />I dont mind going into these counters but not when its raining falling knifes 🤣.YXhttps://www.blogger.com/profile/09983669956054003434noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-25310012974627767952024-03-24T22:51:06.073+08:002024-03-24T22:51:06.073+08:00Hey Blade Knight,
Finally a glimpse of your divide...Hey Blade Knight,<br />Finally a glimpse of your dividend powerhouse. You are going to be a substantial shareholder of United Hampshire REIT soon!BFIREhttps://www.blogger.com/profile/11697324341998383583noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-90062100990473574012024-03-22T11:21:20.965+08:002024-03-22T11:21:20.965+08:00Hi YX, yup, yesterday market mostly surprised by t...Hi YX, yup, yesterday market mostly surprised by the dovish tone adopted by Powell. Many expecting more hawkish stance due to past 2 months of not too good inflationary data from US.<br /><br />Nevertheless, I think that the current SREITs doldrum state will continue with its see-saw up and down pricing. Until the anticipated interest rate cut actually materializes will we see meaningful stabilization and recovery in their unit prices.Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-41174726487384051582024-03-21T15:49:44.672+08:002024-03-21T15:49:44.672+08:00Today went up. I guess Powell's decision to ma...Today went up. I guess Powell's decision to maintain the rate with a projection of 3 small cuts is favourable ?YXhttps://www.blogger.com/profile/09983669956054003434noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-79583152428266642272024-03-21T09:53:46.303+08:002024-03-21T09:53:46.303+08:00Hi BFIRE....good to see you dropping by! How have ...Hi BFIRE....good to see you dropping by! How have you been? haha, saw that you went holidaying in Bangkok earlier in the year...nice!<br /><br />Aiya, the dividends for Q1 and Q3 normally much higher than Q2 and Q4 as most companies and REITs year end is 31 Dec and they payout generally 2 times per annum only. Also, I took higher risk with margin facilities booster which is frowned upon by a number of folks (but so far have survived through the COVID period and high current interest rate environment with the strategy).Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-9677824437943468532024-03-21T09:43:17.430+08:002024-03-21T09:43:17.430+08:00Hi Henry, good day to you. Yup, good point out on ...Hi Henry, good day to you. Yup, good point out on the HK/China Exposure. So far, HK seems to be holding up not too badly still with occupancy at 95%. China portfolio of around 19.4% of MLT is definitely in trouble with the current headwind and 93% occupancy at risk of further erosion of tenant and lower renewal rates.<br /><br />I am keeping my fingers crossed that it don't go lower than March 2020 COVID crisis. Previously, I was actually thinking whether to buy into MLT or Mapletree Pan Asia Comm Trust. But the latter one contains office commercial spaces in HK and China that I am not comfortable with. Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-35361328964333049892024-03-21T00:50:45.037+08:002024-03-21T00:50:45.037+08:00I guess market is expecting DPU will be cut going ...I guess market is expecting DPU will be cut going forward because of the HK / China exposure. Won't be surprised the Covid 19 Low will break.Henryhttps://www.blogger.com/profile/11824479927853149272noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-80349093329181641272024-03-20T17:28:54.537+08:002024-03-20T17:28:54.537+08:00Wow!!!!! The only part that caught my eye in this ...Wow!!!!! The only part that caught my eye in this post is not the low price of MLT or higher dividend yield, but the "S$12k dividends by end of March" !!! <br />Great job on the eye popping dividends! Congratulations 🥳🎉BFIREhttps://www.blogger.com/profile/11697324341998383583noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-44998510389403534252024-03-18T14:58:21.561+08:002024-03-18T14:58:21.561+08:00Hi YX, good one...thanks for the sharing of the ke...Hi YX, good one...thanks for the sharing of the key Fed meeting dates...AWEsome! Hopefully as per within all's expectation. Else really suck thumb and all REITs will crash again.Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-44051255524422241332024-03-18T11:09:56.391+08:002024-03-18T11:09:56.391+08:0019 March and 20 March meeting is key.
https://www...19 March and 20 March meeting is key.<br /><br />https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm<br /><br />The concensus online seem to be no change to interest rate policy any time soon.YXhttps://www.blogger.com/profile/09983669956054003434noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-79572114420580617192024-03-17T00:07:46.517+08:002024-03-17T00:07:46.517+08:00Hi Hello World, good day to you. Yup, I added my n...Hi Hello World, good day to you. Yup, I added my number to the DNC registry many years back. Not sure how this agency got my number. Will raise a complaint if they call me again. Thanks!Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-43523498437791192682024-03-14T10:17:59.890+08:002024-03-14T10:17:59.890+08:00Have you added your number to the DNC registry? Si...Have you added your number to the DNC registry? Since this is a cold call and nothing to do with your existing Prudential policies they can't call if your number is on DNC.Hello Worldhttps://www.blogger.com/profile/11128618660702306003noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-24943663908509747302024-03-12T12:02:00.115+08:002024-03-12T12:02:00.115+08:00Hi BFIRE mate, no prob....just sharing the interes...Hi BFIRE mate, no prob....just sharing the interesting thoughts and ideas from your side. Do keep sharing with our fellow folks in the community ya! Take care and have a great week ahead! Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-76711269664679968132024-03-12T11:59:28.541+08:002024-03-12T11:59:28.541+08:00Hi MySecretInvestment, thanks for dropping by and ...Hi MySecretInvestment, thanks for dropping by and sharing your insightful experiences. Yup, life does throw to us many curve balls indeed...very well said.Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-44998802144141345332024-03-10T09:42:10.598+08:002024-03-10T09:42:10.598+08:00BFIRE here! Thanks for the mention!BFIRE here! Thanks for the mention!Newbie Investorhttps://www.blogger.com/profile/12023043943303225327noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-42721000120039362682024-03-09T19:33:06.615+08:002024-03-09T19:33:06.615+08:00Hi BK,
Retirement can be a long journey. And it i...Hi BK,<br /><br />Retirement can be a long journey. And it is in everyone's interest to ensure their savings and passive income can last the distance.<br /><br />Your readers might be interested to read from older income investors to see how they augmented passive income sources and fine tuned their strategies to ensure they can last the distance. <br /><br />I am 63 and am an income investor as well. I have seen how dividend and rental incomes can be easily disrupted by a bad economy or crisis. Thus I have augmented our passive income with our sources.<br /><br />Also dont count on cutting expenses as life can throw us many curve balls. Best to be well prepared.<br /><br />Your readers can read my sharing here : https://t.me/CPF_Treemysecretinvestmenthttps://www.blogger.com/profile/08168670757085990801noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-28655102514715763162024-03-05T17:39:51.215+08:002024-03-05T17:39:51.215+08:00Hi Barista Fire mate, thanks for dropping by. How ...Hi Barista Fire mate, thanks for dropping by. How have you been? :)<br /><br />No worries...I am ok with your comments. What I have expressed is my personal subjective view. <br /><br />Anyway, the Net interest margin ("NIM") is a profitability indicator that measures the difference between interest income and interest paid out by financial institutions like HLF. Its business needs to attract customer deposits so as to generate income out from loans. Hence NIM is actually a relevant indicator for HLF too. Analyst report do mention NIM for HLF previously in their assessment.<br /><br />HLF cost to attract and retain deposits for business lending use has deteriorated. Saying that, HLF does not have the full suite of services provided by a full banking institution hence as alluded to my post, I agreed fully with you that it cannot be compared on a perfect apple to apple basis from that perspective.<br /><br />I just think (again personal view) that the management should just sell off HLF business to realise the significant market discount to NTA. Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-51018728393228122922024-03-05T16:07:12.314+08:002024-03-05T16:07:12.314+08:00BFIRE here, commenting using phone, so via another...BFIRE here, commenting using phone, so via another account.<br />Well, as much as I'm biased because I'm an existing shareholder, HLF business is mainly in loans to sme, and to a small proportion, providing home mortgage loans. They do not earn from nims like the 3 banks... Comparing to other similar companies like singapura finance and Sing Investments, it's a similar picture. I would suppose an investor of HLF would know that it's very different from the banks. <br />Nonetheless I understand where you are coming from, personally I'm staying put for now, lol... Treating it like a bond, and if you look beyond last year's bountiful dividends and exclude it, the dividends are still increasing....<br />Still, all the best! 😁Newbie Investorhttps://www.blogger.com/profile/12023043943303225327noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-37595628391309378132024-02-24T21:48:00.950+08:002024-02-24T21:48:00.950+08:00Hi ThinkNotLeft, good day to you and thanks for dr...Hi ThinkNotLeft, good day to you and thanks for dropping by. Yup, if you use the annualised 2nd half DPU as a conservative forecast for forward yield, then you will get a lower 9.8%. <br /><br />Personally, I think that financing cost is goin to rise further in spite of most borrowings under fixed rate….this will be a common issue not just for UHREIT but all SG REITs in 2024 and 2025. Good thing is that with the rental escalation built in and Fed done with increasing interest rates, this is going to be manageable.<br /><br />UHREIT also has the upside of additional rental income from the new Academy Sports store full year impact for 2024 instead of only 2 mths for 2023. Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-49089832877168899872024-02-24T16:41:06.955+08:002024-02-24T16:41:06.955+08:00Based on 2.18c disbursed for 2H 2023 and share pri...Based on 2.18c disbursed for 2H 2023 and share price of $0.445, the yield is 9.8%. Hopefully the interest cost will not rise further in 2024. Else, the DPU may drop further. ThinkNotLefthttps://www.blogger.com/profile/12923865962137056109noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-33720083191780588002024-02-23T20:29:36.144+08:002024-02-23T20:29:36.144+08:00Hi YX, good day to you. Good that you did not go i...Hi YX, good day to you. Good that you did not go in yet. There were a few folks that I knew went in during Sep’23 to Oct’23 trough period before the price rally sharply due to Fed Reserve announcing the stop in interest rate raise to combat inflation. However, the current catastrophic crash in price of US$0.124-US$0.130 range is the worst bottom ever for KORE and many back to square one or worst.<br /><br />Seeing some green shoots based on Prime US REIT mgt presentation on office space supply dwindling and leasing demand momentum happening. But not 100% sure whether these are just for show to pacify investors and bankers or really turning around with absolute certainty. Yup, agree with you 1 more year maybe able to gain better clarity on the outlook for KORE. I only dare to put in a small additional amount of USD5K for now despite my belief that the probability of KORE survival and recovery is high. Blade Knighthttps://www.blogger.com/profile/05103558126797224603noreply@blogger.comtag:blogger.com,1999:blog-7992228579215130995.post-82399214465532664782024-02-23T17:41:20.287+08:002024-02-23T17:41:20.287+08:00Heng never go in. I see how it fares for the 1st y...Heng never go in. I see how it fares for the 1st year before starting a small speculative position.YXhttps://www.blogger.com/profile/09983669956054003434noreply@blogger.com