Saturday, June 26, 2010

The REIT - how it benefit you


Want to take the ownership of the property and participate the income generated by the property? If the answer is yes, then buying REIT could be an option, instead of buying physical asset.

There are numerous advantages to own the REIT over the physical asset. One need not require large capital and labor requirement, as the job already taken care by the management of REIT. Furthermore, the fund of the trust are pooled together to buy numerous properties which provide greater diversification to offset the risk of negative impact over single property.

When you buy REIT, you are essentially buying a physical asset with a long expected life span and potential for income through rental generated by the property and potential property appreciation. Since REIT require to distribute 90% of their income as dividend, meaning the holder is able to participate the profitability of the rental income.

With so many way to invest your money, stock, bond, mutual fund, property, REIT and others, it's important that any decision make should be well informed and follow with detail research if possible. REIT could be an unique type of investment that can fit to your investment portfolio.

Below latest article from The Star.

Tuesday, June 22, 2010

Is Dow Jones Stable now?

Dow Jones Industrial Average index show the up trend again after nearly one months' correction. The question is whether the market will continue to go up from this point, especially yesterday show one Shooting Star. I would expect index to challenge 30 days MA, if it can hold firm, then the chances are high for it to continue moving forward.

This week got another breaking news, Fannie Mae(FNM) and Freddie Mac (FRE) going to delist from NYSE. Again, proof the theory is correct, never invest in problematic company. If you hold the stock before the announcement made, sell immediately even if you have to encounter huge loses. This is to protect bigger loses that will follow if you continue to hold on to this stock.

From our experience, the delisting process will move the stock to trade on the over the counter bulletin board *OTC BB. The spread between the bid and ask prices having a big gap, hence there are substantial costs involved, only few people or market makers willing to trade and causing share volatility increase.

Saturday, June 19, 2010

你可以怎樣投資產業

錢該放哪裡?置產、買產業股或產業投資信託?

眾所皆知,投資房地產是最佳投資方法之一。不過,您是否想過,投資房地產方法不一定是置產,還可購買產業股。

在2005年後,投資者更多出另一種選擇,即投資產業投資信託,定期收取股息。

在3項選擇中,投資者應置產賺取增值、收租金;買產業股等待突然爆漲、派息;或投資產業投資信託收取固定股息?究竟何者為佳?


產業投資信託 - 不必大筆投資, 省卻後續麻煩

亞洲Hall Chadwick主席古瑪表示,大馬人平均一生中投資最大的資產類別就是產業,除了具抗通膨同時也是財富的象徵,更重要的是可留給下一代繼承。

不過,置產也讓投資者面對一些限制。比如人們一旦急需用錢時無法快速脫售,另外還需承擔銀行利率及負債,出租時難尋租戶。

“若要省去這些麻煩,人們可選擇產業投資信託。”

古瑪說,由於產業投資信託以單位出售,投資者即使沒有大量資金仍可投資。

雖然產業投資信託與置產都能達到資本增值,不過前者派息穩定,在流動性及稅務徵收都略勝一籌。

“同時,投資者在無須具備專業管理知識,也能擁有部份大型資產。”

他揚言,投資者將產業投資信託納入投資組合其中一部份非常重要,主要是這類型投資擁有長期回報的過往紀錄,較少受到股市波動及債券影響,可減少投資組合風險。

未來半年前景看好

投資產業信託,基於令吉走強將激勵國外投資者收購本地資產,如股票或產業。當國外需求上升,增值也隨著增加。

未來半年,產業投資信託在馬幣走強及通膨下,有望在高過或接近淨資產值交易。

“即將上市的雙威產業投資信托,其潛在總值超過40億令吉。一旦個別產業投資信託超越40億令吉,即可吸引外資。”

產業投資信託好處是可立即兌現,若暫停定存將遭罰款,而產業投資信託每季度及半年獲現金派息。

不會實際擁有房產

當然,有人質疑,雖然產業投資信託入門門檻低,但若置產並在期限供完,投資者將可擁有自己的物業。若投資產業信託則沒有固定物業。

一旦置產投資者必須借貸房價的90%,若是產業投資信託則無須大量金額。

仍有增值機會

另外,產業投資信託在20年後也會增值,加上資產通常都位於房屋熱點而非二手市場,因此無須擔心。

“別忘了若自己購買店屋,還得必須親自找租戶。投資產業信託全權交給管理人負責,省下不少麻煩。”


投資者可參與高成長產業股,尋求資本增值,同時也可購買產業投資信託,尋求穩定股息。



Posted and commend added from 星洲日報/投資致富‧產業焦點‧2010.05.29
http://search.sinchew- i.com/node/553611?k=產業信托