What Happen to Our Wealth After Death?

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Most of us are spending most of our life time in Creating Wealth (Setting Up Business), Accumulating Wealth (through Investing) and Protecting Wealth (Buying Insurance) but always forget about Wealth Distribution after our Death.  Recently I have attended a Estate Planning Seminar and started to understand the complexity of our Wealth Distribution after our death. If we don’t decide how we want to pass on our wealth to our loved one, the government will decide and distribute for us through Intestate Succession Act.

4W Wealth Planning

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Intestate Succession Act – Distribution Without a Will

Intestate Succession Act

What is Will?

What is Will

Common Questions to Ask When Planning the Wealth Distribution After Our Death

  • Who will be our Beneficiaries (Spouse, Young Children, Aging Parents, etc)?
  • How are we distributing movable assets (Cash, Shares) and Inmovable Assets (Properties)?
  • Who will be the Guardians if we are perished in a common accident and leave behind our minor children?
  • Who will be the our Executors to distribute our Wealth according to our Will?
  • How to keep my Will at a safe place and not get lost?

Read related post How Your Asset to be Distributed without a Will?

REGISTER to attend a free Estate Planning Seminar here.

Feb 06

GBP NZD: Trading in a Falling Wedge

GBP/NZD is currently trading within a Falling Wedge (chart pattern labelled in blue color). This currency pair was rejected at 200D EMA (red line) which is also the 61.8% Fibonacci Retracement Resistance (also the support turned resistance level) at about 2.24. Base on the chart pattern and Fibonacci Expansion, GBP/NZD expect to move lower to the 1st target of 2.08575 (previous resistance) followed by the 161.8% Fibonacci Retracement level at about 2.01983.

GBP NZD Feb 6-2016

Feb 01

Singapore REIT Fundamental Analysis Comparison Table – 1 February 2016

FTSE ST Real Estate Investment Trusts (FTSE ST REIT Index) decreases from 695.93 to 688.7  (-1.04%) compare to last post on Singapore REIT Fundamental Comparison Table on Jan 3, 2016. The index is consolidating in a Symmetrical Triangle pattern. The long term trend remains down as the index is trading below 200D SMA which is also sloping down. 

FTSE ST REIT Index Feb1-2016

Latest ranking of the FTSE ST Real Estate Investment Index’s components base on Market Capitalisation as followed:

FTSE ST REIT Components Jan 29-2016

Top 5 Market Cap Singapore REIT:

  1. CapitaMall Trust
  2. Ascendas REIT
  3. Suntec REIT
  4. CapitaCom Trust
  5. Keppel REIT
  • Price/NAV reduces from 0.93 to 0.91  (Singapore Overall REIT sector is under value now)
  • Distribution Yield increases from 7.36% to 7.60% (take note that this is lagging number).  More than half of Singapore REITs (25 out of 38) have Distribution Yield > 7%. Current yield is attractive but dangerous to make investing decision purely base on the yield. Past performance does NOT equal to future performance.
  • Gearing Ratio increases from 34.78% to 35.11%.  23 out of 37 have Gearing Ratio more than 35%.
  • Most overvalue is Parkway Life (Price/NAV = 1.36),  followed by Ascendas iTrust (Price/NAV = 1.25).
  • Most undervalue (base on NAV) is Fortune REIT (Price/NAV = 0.61), followed by Keppel REIT (Price/NAV = 0.63), Far East HTrust (Price/NAV = 0.66) and OUE Commercial REIT (Price/NAV = 0.66).
  • Higher Distribution Yield is Croesus RTrust (10.19%), followed by Lippo Malls Trust (9.94%)
  • Highest Gearing Ratio is Croesus Retail Trust (47.6%) followed by iREIT Global (43.4%)

Singapore-REIT-Fundamental-Analysis-and-Comparison-Table-1-Feb-2016

 

Disclaimer: The above table is best used for “screening and shortlisting only”. It is NOT for investing (Buy / Sell) decision. To learn how to use the table and make investing decision, Sign up next REIT Investing Seminar here to learn how to choose a fundamentally strong REIT for long term investing for passive income generation.

SIBOR Feb1-2016 Singapore Interest Rate Feb1-2016

  • Singapore Interest Rate increases from 0.23% to 0.72%
  • 1 month increases from 0.98806% to 1.13025%
  • 3 month increases from 1.13700% to 1.25300%
  • 6 month increases from 1.19175% to 1.31475%
  • 12 month increases from 1.31525% to 1.43800%

Technically the Singapore REITs sectors is trading in a consolidation or down trend direction. Some REITs with good fundmental have reached a very attractive valuation and yield level. As the general investment sentiment is weak, it is a good time to start your shopping list to build a retirement portfolio for Passive Cash Flow.

warren-buffett-quotes

Singapore REIT is still one of the best instrument for investment which can generate consistent and predictable passive income for our retirement. If you want to learn how to select a SAFE REITs with predictable and consistent distribution payout, enter at the right price and right time, and understand what are the down side risks, come and join the seminar on How to Invest in Singapore REIT to generate Passive Income.