General S-REITs Discussion Thread

[highsulphur]

only based off your entry price and current price?

then maybe u already profited due to the dividends

Yes have received dividends a few times

 

[pepsitwist]

yes that is why prices should have recovered by then

Thought u'd go long with REITS. Quite a good retirement tool right for steady dividends?

 

[thretiredDad]

Thought u'd go long with REITS. Quite a good retirement tool right for steady dividends?

How to retire with just reits?
yes dividend can be steady
but the capital is not
Do not mistaken bonds as REITs
bonds is a better tool for retirement

 

[highsulphur]

Thought u'd go long with REITS. Quite a good retirement tool right for steady dividends?

I don't want to go through a selloff when interest rate cuts again

 

[Euqorab]

Sell high, buy low.

Can anyone explain what happened during pre covid( or some during covid) that cause REIT at much much elevated levels? Purely due to bond and low interest?

Most probably

 

[yslvlys]

I don't want to go through a selloff when interest rate cuts again

U mean selloff when interest rates rise?

 

[pepsitwist]

How to retire with just reits?
yes dividend can be steady
but the capital is not
Do not mistaken bonds as REITs
bonds is a better tool for retirement

Not just reliant reits itself, but can be a component? Or u'd also totally avoid it during retirement?

 

[highsulphur]

U mean selloff when interest rates rise?

Yes

 

[thretiredDad]

Not just reliant reits itself, but can be a component? Or u'd also totally avoid it during retirement?

yes, I might avoid REITs altogether in full retirement.

Right now, I’m still drawing a small salary and my kids are young, so I’m okay taking some calculated risks for some potential capital gains — what I’d consider “bonus windfall.”

But once my salary stops, I wouldn’t want the volatility of REITs to erode my asset, especially if the dividends can’t cover the losses. That’s when I’ll likely shift fully into bonds for more stability and predictable income.

 

[highsulphur]

yes, I might avoid REITs altogether in full retirement.

Right now, I’m still drawing a small salary and my kids are young, so I’m okay taking some calculated risks for some potential capital gains — what I’d consider “bonus windfall.”

But once my salary stops, I wouldn’t want the volatility of REITs to erode my asset, especially if the dividends can’t cover the losses. That’s when I’ll likely shift fully into bonds for more stability and predictable income.

Bonds are also subject to interest rate risk albeit not as volatile as reits due to funding and leverage. Check out MBH and A35 performance from 2022 to now.

 

[thretiredDad]

Bonds are also subject to interest rate risk albeit not as volatile as reits due to funding and leverage. Check out MBH and A35 performance from 2022 to now.

True — CFA and other REIT ETFs give you higher yield, but they swing more. If you’re worried about volatility, you can go for quality individual investment-grade bonds that mature in 3, 5, or 10 years. The price may fluctuate along the way, but as long as the issuer doesn’t default, you’ll get back par value at maturity plus the coupons. That way, you lock in a known return and can ride out interest rate moves without worrying about daily price swings

 

[highsulphur]

True — CFA and other REIT ETFs give you higher yield, but they swing more. If you’re worried about volatility, you can go for quality individual investment-grade bonds that mature in 3, 5, or 10 years. The price may fluctuate along the way, but as long as the issuer doesn’t default, you’ll get back par value at maturity plus the coupons. That way, you lock in a known return and can ride out interest rate moves without worrying about daily price swings

Yes that's the plan esp I would be probably be retired by then. Or just chuck it in my high(er) yield account (probably just around 2%)

 

[cherynsq]

propnex went above $2 today

 

[highsulphur]

propnex went above $2 today

Wow. Didn't see that coming

 

[cherynsq]

now back down to $1.99

 

[elvintay07]

True — CFA and other REIT ETFs give you higher yield, but they swing more. If you’re worried about volatility, you can go for quality individual investment-grade bonds that mature in 3, 5, or 10 years. The price may fluctuate along the way, but as long as the issuer doesn’t default, you’ll get back par value at maturity plus the coupons. That way, you lock in a known return and can ride out interest rate moves without worrying about daily price swings

I just whacked a sum into REITs and machiam I got banged by lorry due to the big drop. lol! Will pump another $50k. Hopefully don’t die. Haha

 

[pepsitwist]

yes, I might avoid REITs altogether in full retirement.

Right now, I’m still drawing a small salary and my kids are young, so I’m okay taking some calculated risks for some potential capital gains — what I’d consider “bonus windfall.”

But once my salary stops, I wouldn’t want the volatility of REITs to erode my asset, especially if the dividends can’t cover the losses. That’s when I’ll likely shift fully into bonds for more stability and predictable income.

Actually I hold 9 different REIT counters and only 2 of them are negative excluding dividends (suntec and mapletree log), the rest are green in the range of 10-20%+ excluding dividends.

I usually only buy when there is a dip

 

[DevilPlate]

Actually I hold 9 different REIT counters and only 2 of them are negative excluding dividends (suntec and mapletree log), the rest are green in the range of 10-20%+ excluding dividends.

I usually only buy when there is a dip

Which means u bought all at recent lows sia

Sniper

 

[pepsitwist]

Which means u bought all at recent lows sia

Sniper

Not really.. I first got abit into reits in 2020, and added more along the way. The recent lows I did scoop more

 

[AST781]

How to retire with just reits?
yes dividend can be steady
but the capital is not
Do not mistaken bonds as REITs
bonds is a better tool for retirement

When the dividends you get annually is twice your expenditure (for a big safety margin), then you can retire loh. Since you got kids, after you uplorry, you can pass them your reits as an inheritance. A good reit is like a goose that lays golden eggs which get bigger and bigger over the years.

If you want to retire via drawing down of capital, then just have a classic mix of reits / equities and bonds.