About 3-4 years ago, I wanted to mortgage my property, take loan and dump into Malaysia Reits. It is a form of margin also...

At last minute, decided against it.

If I have done it, my gains will be huge today (from extra dividend and capital gains)..equivalent to getting a FOC property..

who says personal loan is almost 0%

from what I see even bank offer like 10% p.a.

they offer bond?

singapore gov also do that, 10 years currently offer 2.32% p.a.

better than FD in market

Yes, bro,... forex risks is very dangerous,... my RMs told me to borrow in the USD earlier, saying the loan interest rate is almost zero, and then can use the funds to buy other higher-yielding assets. I said no,.. cos, soon the time will come when the Feds will think of pushing up the cash rate again. The time has come today.

...but then, having said the above, some trades with forex risks have paid off too,... in my case, borrowing in JPY but earning in the AUD,... the carry trade. I'm taking on one more risk today with the JPY's low interest rate - investing into Croesus Retail Trust.

Actually, one should try borrowing in SGD to buy higher-yielding, stable SREITs.... my calculation keeps saying this is workable,...

Bro,... why are you benchmarking with Lippo Group ? LG has a lot of collaterals and transactions that we don't....

Anyway,... don't forget interest rates are rising now. ...

What if we take personal loan of RM50K (let say) and buy Sg reits ? Just pay d installment for the MY personal loan and earning Sg dividend.

where got 0% balance transfer ? usually it requires us to keep for some time nothing is free in this world.

Soooo difficult.. just open margin account only lar

I will check with the bank first.

Still thinking to take personal loan with SC Msia. Interest less than 5%.

wow!! Breaking Petronas.... not something ppl blog often on websites...

I can't believe someone worked with Petronas couldn't save RM 35k in 5 years....
that's RM7k per year, RM 600 per month.

He should be able to save more during the first 2 years with Petronas.

my local stocks' brokerage fee is 0.1% or mininum RM8, not 0.42%.

btw, how to access the live Singapore stocks trading platform? Need to pay a subscription fee to iTrade right?

need to pay extra fees to maintain the multi-currency account right?? I remember they charge USD$4 per transaction in multi currency accounts in Maybank and HSBC.

actually I've seen a couple of fee-free money transfer from Malaysia to Singapore, as long as it's the same bank. For example, Maybank (M) to Maybank (S'pore) or CIMB (M) to CIMB(S'pore). Not sure if it's still the case now.

Congrats....finally 

Maybank (M) to Maybank (S'pore) or CIMB (M) to CIMB(S'pore).

where got free????

This is similar to the carry trades in forex.

Borrow in low interest Yen and invest in other higher yirlding currencies

Why wanna bank in physical foreign currency notes? Can you transfer to your Sgd acc and exchanged to respective foreign currency that you wish but of coz the exchange rate is unfavourable.

CIMB M to CIMB SG... only 10.60?

no agent fee deductions from Sg side?

Hopefully reits will start to reverse gear, bank of india did a surprise tightening of the repo market sending short term rates up. Thailand says might do the same soon.

Fed minutes show that, they are not just raising interest rate, but they want to start selling their 4.5 trillion of bonds they are holding. This will affect bond prices more than rate increase.

Germany is having a spat with ECB on the stimulus, germany wants to reduce the ECB stimulus as soon as possible.

Cream on the crop will be if SGD monetary policy appreaciate higher.

i am adding AIMS & maybe Starhill...

how about u?

Got 2 new BTS building lor.. never consider that? 

One this year (30-32 tuas west, TOP achieved in Dc 2016, expected completed in Jan-Feb2017) - master lease CWT, should start contributing soon.

End 2017 (8&10 tuas ave 20) - Redevelopment, multi tenant

2018 (Marsiling Lane) - New BTS to Beyonics for 5+5 years masterlease.

New property (which cost already input) = higher income in future  

And the 20%.. it is expire only mah. They still have plenty of time to find new tenants.   

For example, 12% of their masterlease to be expired in 2017 (20 Gul way), they already found tenant for it and successfully leased out.

I say the management is doing a fantastic job..Also this REIT mostly build their own building, no buying overpriced property from sponsor. 

BTS and masterlease on long term.. yes there are risk, but it also depend on the management. 

I cannot tell the future if they can or cannot rent out their properties..     

the question now is... Should be think of selling instead of buying?

This level is like mid last year pricing.. then after that year end all came tumbling down...

All the reit also go crazy liao.. 

today SINGTEL price drop if u are interested...