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soyabean89 : not all REITs are stable and relavant tho.
u already see impact of high inflation n lockdown.. geographical tension.. disasters, aging population prospective etc

if u want stable return, might as well sg banks. they make up 50% of STI. or utilities/infrastructure

if want stable return...all in cpf suah.. zero risk but u can't take out 100% unless u outlive your peer into 100yo

but we know u want high% passive income right?

Iamwhoiamlah OP soyabean89 : haha definitely, if only rely on cpf, maybe not possible to retire early...
I still new to REITs so still observing, to take it into consideration is becuz of recent fed cut. Seems that i need to be more cautious about this.

I allocated a bit into the 3 banks that we all know haha, seems that i could allocate more on them

soyabean89 Iamwhoiamlah OP : can be also very risky to have all in the basket in all 3 banks...might as well buy STI index... for real...that is for very long term passive investing, heck care price movement and turmoil.

diversity is a great way especially undercurrent looming lackluster forecast.

some people play mix of geographical and industrial diversity.

if play long term, get those well known dividend kings.they are quite well known n survive years of turmoils...

usually they are  industrial/service like industrial REITs, banking, food industry etc..i doubt  wfh will have much for industrial and logistics complexes compared to commerce

Iamwhoiamlah OP soyabean89 : understood, i would prefer those that could be held for long and grow steadily. Maybe i would reallocate some  from 3 banks to STI.
Any clues on when you saying that 'i doubt  wfh will have much for industrial and logistics complexes compared to commerce'?

soyabean89 Iamwhoiamlah OP : wfh is here to stay... many companies give tolerance and even downsize their office space to make use remote working/flexi normad hiring as a new norm..

this will have impact to commerce REITs that handle office tower etc..

but industrial and logistics no matter what, they will need the space for goods storage and cloud computing/manufacturing. these won't go away just cause of wfh culture. but take note...not all REITs are the same... e.g $ESR-LOGOS REIT (J91U.SG)$, $Sabana Reit (M1GU.SG)$ are trash industrial REITs vs $Mapletree Ind Tr (ME8U.SG)$ $CapLand Ascendas REIT (A17U.SG)$

your next best friend will be utilities/infrastructure REITs like $Kep Infra Tr (A7RU.SG)$...lower % return stock price stagnant... but they always remain relavant be it lockdown or digitalization reform

hospitality might be vulnerable to war, economy downturn, geographical policy and pandemics

retail REITs threatened by e commerce to certain extend..that's why u see majority shopping mall copy n paste one...same group of restaurant, pick up points, experience hub, etc..

healthcare REITs u need to take note of sponser...just cause it's healthcare doesn't guarantee anything even if healthcare is related to daily life

I personally got burnt by $First Reit (AW9U.SG)$ cause their lousy sponser play alot stun.
$ParkwayLife Reit (C2PU.SG)$  is better but much pricey...

soyabean89 : there is a saying..

便宜没好货
diversify portfolio of REITs, vehicles of investment and geographical are important


some really bad luck due to policy..e.g china zero policy nearly killed Chinese theme reits

high interest force REITs to offering while bank have mixed reaction (sg banks enjoyed high interest income, but also suffered bad debt with foreclosure. us bank laggi worst...suffered low 10year bond they locked in before covid and high bankruptcy rate)

must have reaction to news or ready to buy the dip...else just buy etf shake leg at home , office, toilet, bed and wait for those dividends or unit rebalancing

Iamwhoiamlah OP soyabean89 : Thank you a loooot! Got ur point here! Really useful and detailed info. Agree that wfh would be a new usual, though i don't like it haha. Seems that I might need to dive into the details of real estate.

soyabean89 Iamwhoiamlah OP : good luck...but seem got reversal again in REITs due to FUD after last Friday job data..a lot of skeptics on rate cut maintain .5% ... well slowly average in I guess... by the time confirm might be too late liao

Iamwhoiamlah OP soyabean89 : market always reacts more strongly to uncertainty...