𝐌𝐲 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬 𝐨𝐧 𝐂𝐚𝐬𝐡 𝐅𝐥𝐨𝐰: 𝐓𝐡𝐞 𝐋𝐚𝐝𝐝𝐞𝐫𝐢𝐧𝐠 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 (𝐀𝐬 𝐬𝐞𝐞𝐧 𝐨𝐧 𝐂𝐍𝐀 𝐌𝐨𝐧𝐞𝐲 𝐌𝐢𝐧𝐝)
I was recently honored to share insights on a key investment framework —the 𝐋𝐚𝐝𝐝𝐞𝐫𝐢𝐧𝐠 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 — on the CNA Money Mind program. Generating stable cash flow from your investments is absolutely achievable, and this program clearly explains how.‌

You can view the segment below to dive deeper into how this powerful approach works! 👇👇
https://www.channelnewsasia.com/watch/mone...

‌The Laddering Strategy allows us to construct a customized portfolio for predictable income, primarily by managing Tenure, Risk, and Liquidity. The program goes into detail on how to adapt the strategy for different goals, including:
💡𝐓𝐡𝐞 𝐒𝐚𝐟𝐞 𝐋𝐚𝐝𝐝𝐞𝐫: Ideal for stability with lower-risk assets.
💡𝐓𝐡𝐞 𝐁𝐚𝐥𝐚𝐧𝐜𝐞𝐝 𝐋𝐚𝐝𝐝𝐞𝐫: Provides a mix of moderate risk and steady returns.
💡𝐓𝐡𝐞 𝐃𝐢𝐯𝐢𝐝𝐞𝐧𝐝 𝐋𝐚𝐝𝐝𝐞𝐫: Focused on income generation from dividend-paying equities.‌

By strategically allocating capital across various asset classes, we can fine-tune the risk-return profile to match your personal financial objectives. We discussed using easily accessible assets such as:
🟢Treasury Bills (T-Bills)
🟢Fixed Deposits (FDs)
🟢Singapore Savings Bonds (SSB)
🟢REITs $CSOP iEdge SREIT ETF S$(SRT.SI) $CSOP iEdge SREIT ETF US$(SRU.SI) $LION-PHILLIP S-REIT(CLR.SI)
🟢Dividend Stocks
🟢Corporate Bonds
🟢ETFs $CSOP DIV ETF S$(SHD.SI) $A Lion Short Bond S$(SBO.SI) $ABF SG BOND ETF(A35.SI)‌

Ready to transform your savings into a reliable #cashflow engine?
What is your current laddering strategy for constant cash flow generation? Feel free to share!

If you're looking for professional guidance on constructing a customized cash flow portfolio, I'd love to chat.‌Feel free to hit me up for a coffee—let’s discuss how to make your money work harder for you.
#CNAMoneyMind #InvestmentStrategy #PersonalFinance #Laddering‌

🙎‍♂️ I am Kenny Loh, CFP®, a Private Wealth Advisor specializing in holistic investment planning and estate planning. My mission is to help clients grow their investment capital and create passive income for retirement. I also facilitate tax-efficient portfolio transfers to beneficiaries, ensuring tax-free capital appreciation and optimized wealth transfer through strategic asset structuring. #FinancialPlanning #PlanWithKenny #WealthManagement #PortfolioManagementI

$CapLand IntCom T(C38U.SI) $CapitaLand Ascendas REIT(A17U.SI) $Suntec Reit(T82U.SI) $Keppel Reit(K71U.SI) $DBS(D05.SI) $OCBC Bank(O39.SI) $UOB(U11.SI) $Mapletree Ind Tr(ME8U.SI) $Mapletree Log Tr(M44U.SI) $Mapletree PanAsia Com Tr(N2IU.SI) $Frasers Cpt Tr(J69U.SI) $STI ETF(ES3.SI)

Money and Me: Are S-REITs Still Worth the Climb?

Hosted by Michelle Martin, this episode breaks down why industrial S-REITs have held firm with strong occupancy and rental reversions.

🤔 Industrial REITs are steady, yields are juicy, and rates are falling - so is now the moment to move?

🤔With T-bills slipping near 1.37 - 1.4%, Kenny Loh, CFP® weighs in on whether REIT yields of 5 - 6% still offer real value.

🤔Is this rally just a “rates are going down” trade - or the early innings of a broader re-rating?

Kenny also shares clear strategies for conservative investors navigating income, risk and timing.

💡We explore how the wider S-REIT universe has staged a 2025 rebound on easing debt costs and a friendlier rate outlook.
https://reitsavvy.com/insights/money-and-m...
#SingaporeREITs #InterestRateCut #YieldAssets #Opportunities

S-REITs Recap - Week 46 (2025)

🪙 Prime US REIT (YTD +15.79% | 5D +0.51%) $Prime US ReitUSD(OXMU.SI)

3Q 2025 update: Committed occupancy rose to 80.7%, with 92,000 sq ft of new leases signed in the quarter and 6.4% rental reversion for 9M 2025. Major new leases include X-Energy (120,000 sq ft, 11 years) and a 20-year U.S. government lease. Raised US$25m equity in October to fund capex and boost debt headroom; aims to normalise distributions in 2026.

🪙 United Hampshire US REIT (YTD +6.32% | 5D +3.06%) $UtdHampshReitUSD(ODBU.SI)
3Q 2025 results: Gross revenue +1.4%, NPI +5.7% YoY, occupancy 97%, and self-storage 94.9%. Maintains low leverage (37.8%) and long WALE (7.5 years), with minimal near-term lease expiries.

🪙 Stoneweg Europe Stapled Trust (YTD –2.56% | 5D –3.18%) $Stoneweg EUTrust EUR(SET.SI) $Stoneweg EUTrust SGD(SEB.SI)
Exited Slovakia for €70m and completed an €11.4m asset sale in Italy, continuing portfolio streamlining in Europe.

🪙 BHG Retail REIT (YTD –2.22%) $BHG Retail Reit(BMGU.SI) 3Q 2025 business update: Gearing 42%, cost of debt 4.4%, ICR 1.8x. WALE 2.3 years (by income) and 4.4 years (by NLA); continues prudent capital management amid China retail headwinds. See detailed announcements here:
https://reitsavvy.com/insights/s-reits-wee...

S-REITs Recap - Week 45 (2025)
🪙 Elite UK REIT (YTD +20.34% | 5D –1.39%) $EliteUKREIT GBP(MXNU.SI)
3Q 2025 update: Occupancy rose to 98.6%, and ICR improved to 2.7x on lower interest costs. Growth driven by rental reversions and new acquisitions.
Progressed redevelopment plans for Cambria House (Cardiff) and Lindsay House (Dundee) into student accommodation assets.‌

🪙 Lendlease Global Commercial REIT (YTD +14.55% | 5D –1.56%) $Lendlease Reit(JYEU.SI)
Announced acquisition of a 70% stake in PLQ Mall, strengthening its Singapore retail footprint. Completed private placement of S$280m, upsized from S$270m and ~3x covered, at a 3.7% discount to VWAP.‌

🪙 Frasers Logistics & Commercial Trust (YTD +7.95% | 5D +0.52%) $Frasers L&C Tr(BUOU.SI)
FY2025 results: Rental reversion +5% (incoming basis) and +29.5% (average basis). Leased 510,300 sqm, raising occupancy to 95.1% and WALE to 4.8 years. Maintained low leverage at 35.7% and strong ICR of 4.3x.‌

🪙 AIMS APAC REIT (YTD +12.80% | 5D +2.17%) $AIMS APAC Reit(O5RU.SI)
1H FY2026: NPI +1.1% YoY, DPU +1.6%, occupancy 93.3%, and rental reversion +7.7%. Balance sheet remains robust (leverage 35%). Announced acquisition of The Framework Building and completed new solar installations across three properties.‌

See detailed announcements here: https://reitsavvy.com/insights/s-reits-wee......

S-REITs Recap - Week 44 (2025)
💡Keppel Pacific Oak US REIT (YTD +12.20% | 5D +2.22%) $KepPacOakReitUSD(CMOU.SI) 3Q 2025 update: Occupancy stable at 88% with strong leasing momentum (168k sf, +36% rental reversion). Refinancing progress ahead, securing early commitments for 59% of 2026 loans. Signs of US office market stabilisation; REIT targets to resume distributions in 1H 2026 with a conservative payout.

💡CapitaLand Integrated Commercial Trust (YTD +22.80% | 5D –1.25%) 3Q 2025 business update: Rent reversion +7.8% (Retail) and +6.8% (Office). Portfolio occupancy 97.2%, WALE 3.2 years, leverage 39.2%, and cost of debt 3.3%. $CapLand IntCom T(C38U.SI)

💡Mapletree Logistics Trust (YTD +5.51% | 5D +3.08%) 2Q FY25/26 results: DPU +0.2% QoQ, portfolio occupancy 96.1%, rental reversion +2.5% (ex-China). Cost of debt lowered; 69% of GFA green-certified, solar capacity +52% YoY to 108 MWp. $Mapletree Log Tr(M44U.SI)

💡 First REIT (YTD +9.80% | 5D –1.75%) $First Reit(AW9U.SI) 9M 2025 update: Revenue –2.0% YoY, DPU 1.65c (–7.3% YoY), mainly due to Indonesian Rupiah depreciation. Gearing at 41.4%, ICR 3.8x, and no refinancing needs until 2026.

💡 Keppel REIT (YTD +20.69% | 5D +1.94%) $Keppel Reit(K71U.SI) 3Q 2025 results: NPI +8.6%, rental reversion +12%, occupancy 96.3%. Announced 75% acquisition of Top Ryde City Shopping Centre, expanding into retail. All portfolio assets now green-certified.

💡Lippo Malls Indonesia Retail Trust (Dividend Halted) $Lippo Malls Tr(D5IU.SI) 3Q 2025: Portfolio occupancy 84.4%, rental reversion +4.6%. Gearing improved to 43.3% post-rights issue to repay loans and fund upgrades.

💡 Starhill Global REIT (YTD +16.00% | 5D +0.00%) $StarhillGbl Reit(P40U.SI) 1Q FY25/26: Gross revenue S$48.3m (+0.7% YoY), NPI S$37.9m (+0.2% YoY). Portfolio occupancy 94.8%, WALE 7.4 years, leverage 36.7%, cost of debt 3.9%.

💡 Mapletree Industrial Trust (YTD –3.62% | 5D –2.29%) $Mapletree Ind Tr(ME8U.SI) 2Q FY25/26: DPU 3.18c (–7.3% YoY) as divestments and FX headwinds reduced income. Revenue –6.2%, NPI –7.8%. Higher contributions from Japan and Osaka data centres helped cushion the impact.
‌
See more detail below: reitsavvy.com/insights/s-reits-week-44-2025

S-REITs Recap - Week 43 (2025)

🪙 Frasers Centrepoint Trust (YTD +15.64% | 5D +1.67%)Reported strong FY25 results: DPU 12.113 cents (+7.8% rental reversion) and 98.1% occupancy. Completed Northpoint City South Wing acquisition and Yishun 10 divestment. Retained 5-Star GRESB rating for the fifth year. $Frasers Cpt Tr(J69U.SI)

🪙 Keppel DC REIT (YTD +10.09% | 5D +1.27%)9M 2025 distributable income +55.5% YoY, DPU +8.8%. Occupancy 95.8%, AUM S$5.7b, leverage 29.8%, cost of debt 2.9%. $Keppel DC Reit(AJBU.SI)

🪙 Sabana Industrial REIT (YTD +31.94% | 5D +9.20%)3Q 2025 NPI +16.0% YoY, rental reversion +11.3%, occupancy 87%. New Tech Park 94.7%; expects double-digit income growth for FY2025. $Sabana Reit(M1GU.SI)

🪙 OUE REIT (YTD +21.05% | 5D –1.43%)3Q 2025 revenue +1.2%, NPI +2.0% YoY; commercial segment stronger (+4.2% revenue). Finance costs fell 19.7% YoY. $OUEREIT(TS0U.SI)

🪙 Suntec REIT (YTD +17.09% | 5D +3.01%)3Q 2025 DPU 1.778c (+12.5% YoY), driven by strong Singapore operations, lower debt costs and tax reversal in Australia. $Suntec Reit(T82U.SI)

🪙 Mapletree Pan Asia Commercial Trust (YTD +21.49% | 5D +1.38%)2Q FY25/26 DPU 2.01c (+1.5% YoY); Singapore NPI +6.1%, supported by VivoCity and lower utilities/finance costs. Completed two Japan office divestments. $Mapletree PanAsia Com Tr(N2IU.SI)