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Investments

Dividends

How do I start planning out my investment plan? My goal is to mainly earn dividends from investments, so how do I start mapping out a series of goals to achieve? Any templates or rules to follow?
Quite a bit of stuff to learn. My suggestion is to start listing down your objectives in the short, medium, and long term. For budgeting, you can search 50/30/20 - here (Automated Calculator) For investments with dividends, you can automate it with Roboadvisors with Syfe or Stashaway. Their income portfolios are a good starting point for beginners. Generally, 20% of your income should be used for long-term investments. But overall, "rules" are more of guidelines than anything, they are good starting points, but you have to adjust them according to your circumstance. Follow me here.

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STI ETF

ETF

Dividends

When sti etf drops to a price that is lower than what I bought , does it affect the dividends?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 23h ago
No, it shouldn't. Dividends are a portion of the company's profit paid out to shareholders. What affects dividends is cashflow. Changes in profitability and costs affect the dividend payout. Changes in share price, however, do not affect these. The recent cases of companies announcing dividend cuts during the market downturn are not due to falling share price, but due to fall in earnings due to the pandemic.

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Investments

Dividends

Advice on first state dividend advantage?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 2d ago
The annual fees are very high (1.5%). The following ETF has a better 3y performance: ZPRA/ASDV

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Investments

Dividends

Blue Chips

Regular Shares Savings Plans (RSS/RSP)

Owned a few blue chip, growth stocks, SG bonds and RSP. Thinking of investing in first state dividend advantage with $50/mth should I?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 2d ago
The annual fees are very high (1.5%). The following ETF has a better 3y performance: ZPRA/ASDV

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Investments

Supplementary Retirement Scheme (SRS)

Stocks Discussion

Dividends

Plan to start invest local market with my SRS. For local market, should look at dividend instead of capital growth? What should be considered for dividend stock?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 4d ago
If considering dividend investing, I would use cash instead since dividends received from SRS investment as it would be credited to the SRS account, subjected to taxation upon withdrawal. The local market has rather lacklustre performance compared to other countries, hence not very ideal if the risk tolerance allows for higher risk investments. Personally, I would go with a roboadvisor for investment in overseas markets.

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ETF

Investments

Value Investing

Dividends

FIRE Movement

REITs

Bonds

Online Brokerages

Can I diversify my portfolio by investing in different types of ETFs - meaning in REITs ETFs, Bonds ETFs, Stocks ETFs, etc? If yes, any suggestions on how I can do so with the lowest transaction fees?
Jovan Lai
Jovan Lai
Level 5. Genius
Updated 6d ago
Hi Anon! I would like to share a less talked about point on diversification. Over-diversification can expose you to more risk than it reduces. It is important, as Warren Buffett mentioned, to stick within our circle of competence. Buying into something we do not understand for the sake of diversification can actually expose us to more risk than we think. It is the same as investing in something we have not done our research about and did it because others are doing so. Diversification is unique, there are many takes on it, some say use the formula 110 - age = % of stocks More conservative portfolios like Ray Dalio's all weather portfolio has a mix of bonds, commodities and equities. Other portfolios like Bill Gates, Warren Buffett, Cathie Wood, Adam Khoo, Bill Ackman and many more, are fully or mostly into equities only. However, within their portfolio, it is diversified into different types of stocks. Diversification is important! I’m definitely not against it! But it is very subjective and I’m just trying to point out that even though many seem to say spread it out amongst equities, gold, bonds, that is just one view on diversification. There are many great investors that argue otherwise. Ultimately, stick with what you have affinity to, know your risk tolerance, financial goals and circle of competence. Becareful investing into something for the sake of diversification if you do not understand much about that market/industry/sector. It may cause us to make poor decisions in times of un-met expectations. i.e. sell when its low only to see it go up tremendously OR buy when its high and take ages to see any returns.

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Retirement

Investments

Dividends

How much capital do we need to generate an annual dividends of 20k?
500k @ 4% would do it. A balanced or sightly conservative dividend paying portfolio should do just fine. Something like a 50% Fixed Income / 35% Equity / 10% Gold / 5% Cash portfolio is something I would look to create.

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Dividends

Investments

Stocks Discussion

Any companies that actually raised dividends during this pandemic?
Hey Anon! As with every pandemic, there are still industries and companies that do well. For example, the nature of essential services, such as healthcare that are tasked to help cope with the effects of the pandemic. 📈 Disclaimer: This list is not exhaustive and does not constitute to be investment advice. The following comparisons of dividends are made to corresponding periods last year. ! 💰Here are just some of the stocks listed on the Singapore Stock Exchange : 1. Sheng Siong Group Ltd (SGX: OV8) - Dividends: 1.75 to 3.50 Singapore Cents (+100%) - Net Profit: S$18.4 million (Q2 2019) to S$46.2 million (Q2 2020) - Share Price: S$1.74 🛒 Sheng Siong is one of the largest supermarket chains, operating 61 outlets in Singapore. The company has also expanded into China to grow its business further. With more families working and studying from home, the pandemic has led to a surge in customers buying groceries and essentials from Sheng Siong. 2. Keppel DC REIT (SGX: AJBU) - Dividends: 3.850 to 4.375 Singapore Cents (+14%) - Net Property Income: $43.23m (Q1 2019) to $55.44m in (Q1 2020) - Share Price: S$2.92 🏢 As Asia’s first pure-play data centre REIT, Keppel DC REIT portfolio comprises 18 data centres located in 11 cities within eight countries, valued at S$2.8 billion. With data centres being considered an ‘essential service’, the pandemic has accelerated the pace of adoption for digital services, and also pushed many people to increase the usage of the internet and cloud services due to lockdowns. 3. SGX (SGX: S68) - Dividends: 7.5 to 8 Singapore Cents (+7%) - Net Profit: 391.1 million (FY 2019) to S$471.8 million (FY 2020) - Share Price: S$8.70 💵 As Singapore’s sole stock exchange, SGX provides other services such as listing, trading, settlement and clearing. Their performance was driven by an increase in trading across a wide variety of SGX’s securities, as well as a strong interest in the suite of derivatives that asset managers use for portfolio management purposes. // 📊 But of course, looking at the increase in dividends during a pandemic isn’t sufficient, another thing to consider would be the consistency of the company in giving out these dividends. There are other non-local stocks that have increased their dividends as well, so you can look into them as well. 🌎 Hope this helps! All the best! 👍
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AMA Manulife US REIT

REITs

Investments

Dividends

As I'm looking to get dividends from investing in REITs, how do investors like myself gauge whether a REIT is able to pay dividends?
For myself to evaluate dividends payable, I'd mainly look at the sponsor backing and the quality of assets. (To elaborate more, it would take very long.) All and all, both criteria of those give me a good idea on the reliability and assurance of taking care of the shareholders, plus the sustainability of the distributions. However, we need to be understanding as well when we face a crisis, this COVID situation is a good example as well.

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AMA Manulife US REIT

Investments

REITs

Dividends

Will MUST go bust during this deep recession? How sustainable are its dividends and financials?
Despite the pandemic, our portfolio delivered 20.0% YoY increase in distributable income to US$48.0 million for 1H 2020, while DPU grew 0.3% YoY to 3.05 US cents. Rental collection remained close to 96% in 2Q 2020, with only 0.3% rental deferment and 0.3% rental abatement by income provided to our tenants in 1H 2020. Our gearing of 39.1% also remains below the MAS requirement of 50% and we have no refinancing due for the remainder of 2020. To provide for corporate, working capital and unforeseen events, we have total undrawn facilities of US$135 million. With a high occupancy of 96.2%, long WALE of 5.7 years, 3.4% expiries in 2020 and no break clause options in U.S. office leases, we believe that our well-anchored portfolio should be able to ride out the crisis. To-date, no tenants have asked for a reduction in space. They are also not allowed to downsize due to their no break clause option, unless their leases are up for renewal. In addition, our strategy to fortify MUST’s portfolio through owning top quality buildings is paying off. We have a diversified trade mix of tenants in resilient trade sectors, such as government, legal and finance, blended with companies from across the fast-growing technology and health sectors. The majority of our tenants are listed, government agencies, with more than a third being HQ locations. MUST is mandated under its Trust Deed to distribute at least 90% of its annual distributable income. With our strong collections to-date, we look to pay out 100% of distributions.

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