Dapat ka bang mag-invest sa REIT?

Let’s use the SEXY savings and investment framework to evaluate. S stands for secure, E for encashability or liquidity, X for X-factor as a socially responsible and environment-friendly instrument and Y for yield.

Secure

Strong and robust ang compliance ng REITs sa Pilipinas kaya makaasa na transparent and regular ang reporting.

Ang pinakadownside nito, in my opinion, is market volatility.

Traded sa stock market ang REIT kaya exposed sa price fluctuations. Although may potential for capital gains sakaling ibenta ang REIT stock at a higher price, may potential din ito for losses.

Encashable (Liqiud)

Very liquid ang REITs. It could be sold or liquidated during trading hours of the stock market. PERO, may risk of liquidating at a loss. Hindi assured na mapepreserve ang capital mo.

X-factor – socially responsible and enviornment friendly

Mostly projects that support or benefit high income groups such as shopping malls, hotels, condominiums, resorts, apartments o offices, medical facilities, warehouses, highways, railroad at iba pa.

Yield

Noong 2021, ang dividend rate ng mga REITs net of taxes ay mas mataas kaysa inflation rate, 5-year treasury bond, at dividend rate ng mga listed companies sa stock market. Pag-IBIG MP2 dividend rate is marginally higher.

Ang dividend rate ng REIT ay dependent sa market valuation of the stock price. Kung naitaon na sa mataas na presyo ka nakabili ng stock nito, mas mababa ang effective dividend rate yield mo.

Verdict

Ang REIT o Real Estate Investment Trust ay isang uri ng pooled fund. Tinitipon ng fund managers ang pondo mula sa maraming investors at ginagamit ito para bumili ng income generating real estate assets.

As your financial guro, tingin ko, dapat kumpleto ka muna sa emergency savings, health at life insurance; maximum ang contribution sa SSS at PhilHealth; at majority ng retirement fund ay nasa Pag-IBIG MP2 and treasury bonds bago pumasok sa REIT.

Do you think REIT is a good investment for you? Write your comments below.

Ako si Sir Vince, ang inyong financial guro, nagsasabing ang pagyaman, napag-aaralan at napagtutulungan.