Synopsis
With global central banks signaling interest rate cuts, the search for high-yielding investments is intensifying. Singapore REITs (S-REITs) have been a major beneficiary, experiencing a notable rally throughout 2025. This session will provide a critical mid-year assessment of the S-REIT sector. We will analyze the underlying factors driving the recent price increase, evaluate whether current valuations remain attractive, and project the impact of further rate cuts on distributable income and asset values. Get expert insights into specific S-REIT sub-sectors that present the most robust investment opportunities right now, helping you decide if S-REITs belong in your portfolio for continued income and capital growth.

🔑 3 Key Takeaways
🟢Lower Rates Demand High Quality: Rate cuts help S-REITs by reducing financing costs. Investors must prioritize REITs with strong fundamentals and resilient cash flows to ensure sustainable DPU growth, not just short-term price gains.

🟢Selective Value Persists: Despite the 2025 rally, many S-REITs may still trade at a good value, often below 1.0x Price-to-Book (P/B). Focus on selective stock-picking where valuation recovery is likely.

🟢Crucial Financial Ratios: Focus on a low Gearing Ratio for debt flexibility, a high Interest Coverage Ratio for stability, and a stable/growing DPU trend for reliable income.

Register below:
https://www.sgxacademy.com/event/rate-cuts-yield-hunt-are-s-reits-still-a-buy-after-the-2025-rally/

Half of Singaporeans over 65 could face severe #disability, yet
Only 1 in 3 feel financially prepared.

⚠️Why this matters
If someone needs long-term care, the question quickly becomes:
🔥“Where will the extra S$2,000–S$3,000 a month come from – and for how many years?”

💡How CareShield Life and supplements fit in:
It provides:
✅Lifetime monthly payouts upon severe disability
✅Protection that continues as long as premiums are paid
However, the basic payout alone may not fully match today’s care costs, CareShield Life supplement is designed to:
🟢Boost the monthly payout, so it’s closer to the real cost of care
🟢Add extra benefits (e.g. lump-sum payouts, partial disability benefits, waiver of premiums, etc., depending on the plan)
🟢Let you tailor coverage based on your budget and desired protection level

👇Get the quote for Long Term Care Supplement below:
https://digital.fa.com.sg/singlife-careshield-standard-plus.php?a_aid=kennyloh@fapl.sg

Last Call !

With global central banks signaling interest rate cuts, the search for high-yielding investments is intensifying. Singapore REITs (S-REITs) have been a major beneficiary, experiencing a notable rally throughout 2025. This session will provide a critical mid-year assessment of the S-REIT sector. We will analyze the underlying factors driving the recent price increase, evaluate whether current valuations remain attractive, and project the impact of further rate cuts on distributable income and asset values. Get expert insights into specific S-REIT sub-sectors that present the most robust investment opportunities right now, helping you decide if S-REITs belong in your portfolio for continued income and capital growth.

🔑 3 Key Takeaways
🟢Lower Rates Demand High Quality: Rate cuts help S-REITs by reducing financing costs. Investors must prioritize REITs with strong fundamentals and resilient cash flows to ensure sustainable DPU growth, not just short-term price gains.

🟢Selective Value Persists: Despite the 2025 rally, many S-REITs may still trade at a good value, often below 1.0x Price-to-Book (P/B). Focus on selective stock-picking where valuation recovery is likely.

🟢Crucial Financial Ratios: Focus on a low Gearing Ratio for debt flexibility, a high Interest Coverage Ratio for stability, and a stable/growing DPU trend for reliable income.

https://www.sgxacademy.com/event/rate-cuts-yield-hunt-are-s-reits-still-a-buy-after-the-2025-rally/

Summary

The Singapore REIT sector has broken out of its earlier consolidation zone in the mid-600s and is now trading within a higher range between 695 and 720, reflecting a clear improvement in market sentiment. This shift upward coincides with a decline in US interest rate cut, which has been a key catalyst for the sector’s rebound.

The US 10Y Treasury yield has moderated to around 4.07%, while the Singapore 10Y government bond yield has fallen to ~2.02%, marking its lowest level in more than 3½ years. These declining risk-free rates have supported higher REIT prices, although they have also contributed to yield compression, particularly among the larger-capitalisation REITs.

In terms of valuations, the simple average yield spread over the Singapore 10Y tightened slightly to 3.77%, while the market-cap weighted spread remained steady at 3.86%. The divergence suggests that larger, institutionally-favoured REITs have seen disproportionately stronger price appreciation—leading to tighter yields—compared to mid- and small-cap peers.

https://mystocksinvesting.com/singapore-reits/singapore-reits-monthly-update-november-23rd-2025/

Pay attention to the liability of US estate duty if you are holding US stocks and ETF. https://engage.fa.com.sg/kennyloh/navigating-u-s-estate-tax-on-u-s-stock-holdings-a-guide-for-singapore-investors/

For most investors, the first question in wealth management is simple: “What returns can I get?” But High-Net-Worth (HNW) individuals know that returns are never the right starting point. With significant wealth comes complex responsibilities, including managing tax exposure, ensuring asset protection, and preparing for seamless intergenerational transfer to your dependents. In short, the wealthiest investors understand that structure precedes performance.

https://engage.fa.com.sg/kennyloh/structuring-wealth-the-right-way-how-high-net-worth-individuals-build-resilient-investment-frameworks/

2 more weeks to year end. Remember to top up your SRS for tax saving purpose. Invest your SRS monies for higher return. https://digital.fa.com.sg/srs.php?a_aid=kennyloh@fapl.sg

Your Monthly Paycheck: How to Build a Predictable Income Ladder from Investments

Are you a retiree looking for dependable passive income? Or an investor who wants your investments to generate cash flow to cover monthly expenses? The “money laddering” strategy is a simple, structured way to achieve this goal by creating predictable, repeating cash flow.
‌

What is a Money Laddering Strategy?

Laddering is the process of splitting your total investment capital into smaller parts (or “rungs”). Instead of putting all your money into one asset that pays out once a year, you invest in multiple assets that mature or pay out at different, staggered times.

‌The Key Benefit: This ensures money flows into your bank account regularly, often monthly or quarterly, instead of waiting a full year or more for returns. This stable cash flow is valuable even when the market is flat or interest rates are falling.

You can build ladders using a mix of assets, including short-term bills, government bonds, Dividend ETFs, and REITs (Real Estate Investment Trusts). The goal is to choose your own risk level, from safe and slow to higher yielding options.

‌
More case study in the link below:
https://engage.fa.com.sg/kennyloh/the-money-ladder-how-to-build-consistent-income-that-pays-you-every-month-3/

🚩 𝐔𝐑𝐆𝐄𝐍𝐓: 2 𝐍𝐞𝐰 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐒𝐜𝐚𝐦𝐬 𝐓𝐚𝐫𝐠𝐞𝐭𝐢𝐧𝐠 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐬 (𝐓𝐢𝐠𝐞𝐫, 𝐌𝐨𝐨𝐦𝐨𝐨, 𝐒𝐆𝐗 𝐀𝐜𝐚𝐝𝐞𝐦𝐲)

I’ve personally observed a sequence of highly sophisticated scam tactics over the past few days. These are designed to look 100% legitimate by using reputable brand names and industry professionals.

Please read and share this to protect your friends and colleagues.

https://www.linkedin.com/posts/kennyloh-investment-retirement_securityalert-investmentscams-singaporefinance-activity-7407621203475144704-nwHD?utm_source=share&utm_medium=member_desktop&rcm=ACoAAB9r7jcBY8PaZhn5B5rwYcnFxftJp0vwnZQ