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A roof above your head or more?

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ETF

Investments

Bonds

Stocks Discussion

Online Brokerages

Robo-Advisors

Syfe

REITs

Property

If my investment portfolio consists of mainly ETFs, do I still need to add bonds, since stocks ETFs are considered a relatively less risky form of equities?
Hi Anon, Tough question, but I guess the purpose of adding bonds is because of its stabilising effect on the portfolio as they are less prone to drawdown during a recession. Diversification is good, but we have to also take note of the correlation between the vehicles. Hence, it's all back to your risk tolerance again. Considering a moderate risk, even though you are investing in ETFs already, you can still have a small portion of bonds in your portfolio. But if you ask me at a age of 35, I will limit my bond portion and still go aggressive with equities. Hope this helps!
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REITs

Syfe

COVID-19

Stocks Discussion

Online Brokerages

Property

I’m on Syfe REITS+ now. Worried that post-COVID, as more people WFH and with more e-commerce, it may affect the value of S-Reits. What are your thoughts? Should I continue with my S-Reits investment?
DC
d c
Level 3. Wonderkid
Answered 1h ago
I'm also investing in SYFE right now! My take would be, yes continue! This is so as there would still be people buying from actual shops, and dining with their friends at malls. This is something that cannot be replaced virtually. People would still continue purchasing food from the shops located in a mall, so no worries. Furthermore, SYFE's REITS+ also consists of REITs in the Industrial/Logistics sector. These 2 sectors will not disappear post-covid. Plus, REITs such as those from Starhill and Mapletree (which are included in the SYFE portfolio) have been doing well during this covid period. As long as you're holding it in the long-term, you will see returns! Time in the market > Timing the market
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Stocks Discussion

REITs

Investments

Online Brokerages

Property

On the backdrop of China’s proposed national security law on HK, is it more risky for us to put our money in Nikko AM REIT ex Japan STF due to exposure to HK?
CH
CH
Level 7. Grand Master
Answered 6d ago
The exposure in HK is from the individual REITs. Whether they will rebalance or not, have to depend on the REITs managers risk management (eg sell HK property and buy others). Rebalancing at ETF level depends on the index they are tracking. Likely will depend on price movement, rather than actual country exposure. For this, you may have to email Nikko AM and ask what is their criteria for rebalancing, if there is. But personally, property is a long term game. and the ETF exposure in China and HK is less than 40%. I think the more important question should be will Singapore properties perform after this pandemic.
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REITs

Investments

Stocks Discussion

Online Brokerages

Property

Is it risky to buy into Hong Kong REITs?
S
SingaporeChap
Level 3. Wonderkid
Answered 1d ago
I continue to buy into HKEX thinking that the currently volatility is a good way to snap up bargains. I could be wrong....
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Investments

Stocks Discussion

REITs

SGX

Online Brokerages

Property

What do you think about BHG Retail REIT (SGX: BMGU)?
Andrew Goh
Andrew Goh
Level 3. Wonderkid
Answered 16h ago
There is blog about BHG reit today in this app.
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Career

CPF

Loans

Savings

Payments

Property

Is it silly to quit your job now for career switch?
Summer
Summer
Level 5. Genius
Answered 13h ago
The reason you decide on a career switch must be quite important to you, considering how you are looking to change despite the situation you are in. I don't think it is advisable to use cash to top up your CPF. Plus, you should really think about whether your emergency funds and savings are currently enough to support your everyday lives, which goes to say your living expenses and bills, beyond just mortgage payment.
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REITs

Regular Shares Savings Plans (RSS/RSP)

Investments

Stocks Discussion

Online Brokerages

Property

What do you think of the regular savings plan using DCA? Is the STI (Nikko AM) or REITs worth investing in now? Do you recommend we adjust our monthly RSP amount based on market conditions?
HeYuan Chen
HeYuan Chen
Level 4. Prodigy
Answered 2d ago
Is a decent Way of investing. Instead of timing e market, u can choose to increase ur amt when u rec a bonus.. If u r tracking the market actively, most of the time u will start to do foolish things to ur portfolio.
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Investments

Value Investing

Dividends

Stocks Discussion

REITs

Online Brokerages

Property

I am 25 with a $20K budget. just started investing because of COVID and have put $10K in OCBC, DBS and Capitaland mall trust. How should I to invest in the other $10K to diversify?
Tay WenHao
Tay WenHao
Level 6. Master
Answered 2d ago
Can consider ETFs it helps you diversify with your limited budget. If you are willing to take higher risk for higher returns, can take a look at S&P500. Can buy thru FSMone with affordable sales charges.
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Investments

Rent

COVID-19

Resale HDB

Property

Imagining I had the money, should I buy an old HDB flat, renovate it and lease it out for a potential rental that will cover the entire cost of the flat and renovation?
You had better check the restrictions on rental as well as your rental yield before you make that deduction. The yield on Singapore properties are not as high as they seem due to frictional costs on ownership. If you want liquidity with less restrictions but exposure to real estate focused in Singapore, a REIT is a better investment. The ongoing cost of a loan will be a big unknown factor as well if you go for a floating rate loan.
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Stocks Discussion

Investments

REITs

Online Brokerages

Property

Which metric is better to be used when analysing REITs - P/B or P/NAV?
Lim Qin Da
Lim Qin Da, Community Lead at Seedly
Level 5. Genius
Answered 3d ago
Hi Eman! The P/B ratio shows how expensive stock is compared to its books value. Company’s book value (also called equity, capital, shareholders funds etc.) is equal to company’s total assets less total liabilities. P/B = market capitalization / shareholders’ equity The P/NAV ratio shows how expensive the share is compared to its NAV (net asset value). This ratio is very similar to P/B ratio but in this case market values (not book values) are used. Mostly P/NAV is used for valuation of real estate companies. P/NAV = market capitalization / (company’s assets in market value – company’s liabilities) The NAV is a valuable metric to utilize when assessing REITs. Book value and similar ratios such have been found to be very unreliable when applied to REITs. The use of the NAV is an attempt to bypass book value in favor of providing a more accurate estimation of actual market value for REIT holdings. NAV seeks to figure out the actual value of the REIT’s holdings by taking the market value and subtracting any debts, such as mortgage liabilities.
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