{"id":69648,"date":"2020-08-28T01:07:41","date_gmt":"2020-08-27T17:07:41","guid":{"rendered":"https:\/\/nomoneylah.com\/?p=69648"},"modified":"2022-05-02T12:31:06","modified_gmt":"2022-05-02T04:31:06","slug":"reits-and-financial-independence","status":"publish","type":"post","link":"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/","title":{"rendered":"Why REITs will Play a CRUCIAL Role in My Journey to Financial Independence (FI)"},"content":{"rendered":"\r\n<p><span class=\"font-500830\">This is weird.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Even after 2 years of creating content in the personal finance &amp; investment space, this is actually my first post focusing on <strong>financial independence (FI)<\/strong>.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Essentially, FI is a stage of life where your passively-generated income is able to cover your monthly expenses <strong>(Passive Income &gt; Monthly Expenses)<\/strong>. Once you achieve FI, you are free to make life choices without having to worry about your monthly bills.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>In this post, let\u2019s talk about <a title=\"\" class=\"aalmanual\" href=\"https:\/\/nomoneylah.com\/2019\/08\/06\/introduction-reits\/\">Real Estate Investment Trust<\/a> (<abbr class='c2c-text-hover' title='Fund that manages a portfolio of commercial and\/or private properties.'>REIT<\/abbr>) Investing, and how REITs are playing such a CRUCIAL role in my journey to FI.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><em>Related Read: <\/em><a href=\"https:\/\/nomoneylah.com\/2020\/07\/22\/how-i-invest-my-money\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>How I invest my money as a self-employed person?<\/em><\/a>\u00a0<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-663a35a64ea1d\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-663a35a64ea1d\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#My_vision_on_FI\" title=\"My vision on FI\">My vision on FI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#Why_will_REITs_Play_a_Crucial_Role_in_My_Journey_to_Financial_Independence_FI\" title=\"Why will REITs Play a Crucial Role in My Journey to Financial Independence (FI)?\">Why will REITs Play a Crucial Role in My Journey to Financial Independence (FI)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#How_I_am_Using_REITs_to_Build_My_Passive_Income_Foundation\" title=\"How I am Using REITs to Build My Passive Income Foundation:\">How I am Using REITs to Build My Passive Income Foundation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#How_much_of_REIT_ownership_is_enough_for_me\" title=\"How much of REIT ownership is enough for me?\">How much of REIT ownership is enough for me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#ChallengesDownside_to_REIT_Investing_in_Pursuit_of_FI\" title=\"Challenges\/Downside to REIT Investing in Pursuit of FI\">Challenges\/Downside to REIT Investing in Pursuit of FI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#No_Money_Lahs_Verdict\" title=\"No Money Lah\u2019s Verdict\">No Money Lah\u2019s Verdict<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"My_vision_on_FI\"><\/span><span class=\"font-555555\"><u><strong>My vision on FI<\/strong><\/u><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">If I can be honest, I do not have a hard, solidified end vision on my FI journey yet.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>This is largely due to myself being self-employed which translates to potential income fluctuation<\/strong> <em>(on the bright side, it also means I have huge, untapped income growth potential in my relatively early career path)<\/em>. <strong>Also, I do not have any commitments (eg. partner, children) in life (yet), meaning my life expenses will surely increase in the future.\u00a0<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Nevertheless, these make it extremely challenging for me to measure my FI journey in a conventional way (ie. Projecting income, investment returns &amp; expected expenses over time), unlike other creators that have a stable-paying career in this space.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>That said, even without a stable-paying job, that does not deter me from preparing myself towards FI*.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><em>(*All 3 aspects of active income, minimal life expenses &amp; solid investments play equally important roles towards FI. In this discussion, I\u2019ll talk specifically about the investment side of the equation. )<\/em><\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"font-555555\"><u><strong><a href=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-scaled.jpeg\"><img decoding=\"async\" class=\"aligncenter  wp-image-68418\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-scaled.jpeg\" alt=\"\" width=\"999\" height=\"562\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-scaled.jpeg 1600w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-300x169.jpeg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-1024x576.jpeg 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-768x432.jpeg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-1536x864.jpeg 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/12\/article-2048x1152.jpeg 2048w\" sizes=\"(max-width: 999px) 100vw, 999px\" \/><\/a><\/strong><\/u><\/span><\/h3>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_will_REITs_Play_a_Crucial_Role_in_My_Journey_to_Financial_Independence_FI\"><\/span><span class=\"font-555555\"><u><strong>Why will REITs Play a Crucial Role in My Journey to Financial Independence (FI)?<\/strong><\/u><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">To be clear, there are many ways for us to achieve financial independence.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Some people do it via rental properties, some through businesses, and more. Personally, my current focus is to build a solid passive income foundation via REIT investing.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Here\u2019re why:<\/span><\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>#1 Consistent &amp; Reliable Dividend Yield<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Generally, REITs are loved for their consistent &amp; higher than average dividend yield compared to other listed companies in the stock market.<\/span><\/p>\r\n\r\n\r\n\r\n<p><strong><span class=\"font-500830\">Between 5 \u2013 8% (sometimes more) in <a title=\"\" class=\"aalmanual\" href=\"https:\/\/nomoneylah.com\/2022\/08\/19\/dividend-investing-terms\/#2_Dividend_yield_DY\">dividend yield<\/a> per year, this makes REITs exceptionally <u>well-received among investors seeking for a reliable realized income<\/u> from the stock market (hey, that\u2019s before accounting for potential capital gains).\u00a0<\/span><\/strong><\/p>\r\n\r\n\r\n\r\n<pre class=\"wp-block-verse\"><span class=\"font-500830\">Now, the part about \u2018realized income\u2019 is crucial for fellow FI pursuers.<\/span><\/pre>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">This is because, for capital gains, your profit will always be in the form of unrealized (or paper) profit until you cash them out by selling your shares.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">On the other hand, <strong>dividends from REITs are actual, realized profit<\/strong> that is paid to investors on a quarterly\/biannual basis.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>Meaning, given time and consistency, dividends compounded from REITs are actual passive income that I can actually spend &amp; rely on to pay for my expenses if I ever decide to retire after achieving FI.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Personally, while small in the present, I am building my REIT portfolio so it\u2019ll become a solid foundation of dividend income in years to come (read about \u2018How\u2019 below).<\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><a href=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-scaled.jpg\"><img decoding=\"async\" width=\"1600\" height=\"1066\" class=\"wp-image-69136\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-scaled.jpg\" alt=\"\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-scaled.jpg 1600w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-300x200.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-1024x683.jpg 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-768x512.jpg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-1536x1024.jpg 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/micheile-henderson-lZ_4nPFKcV8-unsplash-2048x1365.jpg 2048w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/a>\r\n<figcaption>Dividends from REITs are small at the start, but it can grow into a respectable source of passive income given time &amp; consistency.<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>#2 Investing in REITs = a low capital option to get started in Real Estate Investment<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">It is in the blood of Asian families to own &amp; invest in properties &amp; real estate.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">But here\u2019s the problem:<\/span><\/p>\r\n\r\n\r\n\r\n<pre class=\"wp-block-verse\"><span class=\"font-500830\">Most young millennials <em>(are we still young though?)<\/em> are not able to afford one <em>(confession: I am one of those)<\/em>, not to mention taking care of their own living expenses.<\/span><\/pre>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>Hence, REITs become an excellent way for millennial FI pursuers to build a reliable passive income from listed commercial real estates at an extremely low barrier of entry.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">At a few hundred bucks monthly, I invest in fundamentally solid REITs that\u2019ll help me slowly build my dividend income foundation.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>For me, <a title=\"\" class=\"aalmanual\" href=\"https:\/\/nomoneylah.com\/2019\/01\/10\/5-differences-between-investing-trading-that-experts-may-not-tell-you\/\">investing<\/a> in REITs every month is equivalent to me buying a piece of ownership, and becoming a \u2018landlord\u2019 of money-making assets <\/strong>like Mid Valley, Sunway Pyramid, KPJ hospitals, and more.<\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><a href=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/where-do-i-invest-my-money.jpg\"><img decoding=\"async\" width=\"867\" height=\"613\" class=\"wp-image-69229 aligncenter\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/where-do-i-invest-my-money.jpg\" alt=\"\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/where-do-i-invest-my-money.jpg 867w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/where-do-i-invest-my-money-300x212.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/07\/where-do-i-invest-my-money-768x543.jpg 768w\" sizes=\"(max-width: 867px) 100vw, 867px\" \/><\/a>\r\n<figcaption>REITs make up nearly 30% of my investment portfolio in June. (Read more <a href=\"https:\/\/nomoneylah.com\/2020\/07\/22\/how-i-invest-my-money\/\" target=\"_blank\" rel=\"noopener noreferrer\">HERE<\/a>)<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>#3 Freedom of time<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">I do not know about you, but I have real bad experience seeing my close family members handling troublesome tenants and property maintenance related stuffs.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">For me, I dislike doing all these and the whole idea about achieving FI is to live a life in our own terms.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>Investing in REITs means I get to leverage on REIT managers\u2019 expertise to handle all the dull &amp; boring aspects of the business, while still getting paid consistent dividends by owning money-making real estate assets.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><a href=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/10\/adventure-daylight-freedom-1134190.jpg\"><img decoding=\"async\" width=\"1600\" height=\"1065\" class=\"wp-image-68181\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/10\/adventure-daylight-freedom-1134190.jpg\" alt=\"\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/10\/adventure-daylight-freedom-1134190.jpg 1600w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/10\/adventure-daylight-freedom-1134190-300x200.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/10\/adventure-daylight-freedom-1134190-768x511.jpg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2019\/10\/adventure-daylight-freedom-1134190-1024x681.jpg 1024w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/a>\r\n<figcaption>\u00a0For me, achieving FI means having the freedom &amp; choice to live a life on our very own terms.<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>#4 For me, REITs are simple businesses that are easy to understand<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Of course, I still have to do my research on the financial &amp; earning report of REITs while picking which REIT to invest in.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">That said, REITs financials are generally easy to understand as REITs are essentially just real estate companies that make money via rentals.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>In short, suffice to say that investing in REITs long term is quite a low maintenance thing to do.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><em>Related read: <\/em><a href=\"https:\/\/nomoneylah.com\/2020\/08\/20\/how-reits-make-money\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>How REITs make money (and why it is important to you)<\/em><\/a>\u00a0<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_I_am_Using_REITs_to_Build_My_Passive_Income_Foundation\"><\/span><span class=\"font-555555\"><u><strong>How I am Using REITs to Build My Passive Income Foundation:<\/strong><\/u><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Honestly, there\u2019s nothing fancy about how I approach my REIT investments here.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">To a lot of people chasing for headline stocks and excitement, what I do below would be boring &amp; dull.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">But hey, if you are interested in my dull routine, here you go:<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>1.<\/strong> <strong>Building up my holdings consistently<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Generally, this is what I\u2019d do with fundamentally solid REITs (ie. Healthy balance sheet, consistent\/growth in income &amp; distribution, favorable business condition).\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>As long as the particular REIT fulfill my criteria, I\u2019ll accumulate its shares on a monthly basis.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Doing this consistently will help me build towards a respectable base of REITs holdings that pay good dividends in years time.<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>2.<\/strong> <strong>Reinvesting my dividends<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">For now, the dividends I received from my REIT investments are really peanuts.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>Since they are so little in amount and I have no use of them, I\u2019d reinvest the dividends into my REIT holdings.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Given time &amp; patience, doing so will accelerate the compounding effect of the amount of dividends I\u2019ll receive in the future.<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>3.<\/strong> <strong>Advanced: Entry &amp; Exit on Price Action<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">On certain occasions where the situation is more complex, I\u2019d use simple price action analysis to time my entry &amp; exits.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">That said, this is a personal preference and most people would not have to worry about this.<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_of_REIT_ownership_is_enough_for_me\"><\/span><span class=\"font-555555\"><u><strong>How much of REIT ownership is enough for me?<\/strong><\/u><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">As I mentioned earlier, I do not have a specific end goal or vision on my FI journey currently.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">My focus now is simply to get my dividend income foundation built up as much as possible with quality REITs.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><em><strong>Side note: As I give this article some thought, an RM500,000 worth of ownership in REITs shares would actually be quite decent as an initial goal. Assuming 7% in annual yield, that\u2019d be an RM35,000 in dividend (or as I love to put it, around RM2900 in \u2018rent\u2019 per month!)<\/strong><\/em><\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><a href=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/reit-FI-3.jpg\"><img decoding=\"async\" width=\"1186\" height=\"746\" class=\"wp-image-69659\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/reit-FI-3.jpg\" alt=\"\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/reit-FI-3.jpg 1186w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/reit-FI-3-300x189.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/reit-FI-3-1024x644.jpg 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/reit-FI-3-768x483.jpg 768w\" sizes=\"(max-width: 1186px) 100vw, 1186px\" \/><\/a>\r\n<figcaption>Your starting capital doesn&#8217;t matter: Even at a small capital of RM100, it is absolutely possible to hit an RM500k REIT portfolio given time &amp; consistent accumulation. (source: <a href=\"https:\/\/smartasset.com\/investing\/investment-calculator#oN3VKicqWu\" target=\"_blank\" rel=\"noopener noreferrer\">Smart Asset<\/a>)<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ChallengesDownside_to_REIT_Investing_in_Pursuit_of_FI\"><\/span><span class=\"font-555555\"><u><strong>Challenges\/Downside to REIT Investing in Pursuit of FI<\/strong><\/u><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Some people may take this section as a total downside of REIT investing. But for me, I take it as a positive challenge:<\/span><\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>1.<\/strong> <strong>REIT investing can be boring compared to the hottest stocks in town<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">REITs are simple, real estate businesses.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>In other words, it can sometimes be boring<\/strong> (but not as boring as property investing, personal bias hehe :P).<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Coming from personal experience &amp; observation of other young investors, this is dullness can be extremely hard to bear.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Instead, most young &amp; new investors these days chase excitement in the market (no problem at all if they know what they are doing, but&#8230;). This makes investing in REITs more of an afterthought.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>While the research does feel dull at times, but that\u2019s totally okay since I am more than happy to exchange excitement for peace of mind.<\/strong><\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>2.<\/strong> <strong>Identifying quality REITs takes practice &amp; experience<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Like any investments, it\u2019ll take time and effort to be good in REIT investing.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">I started studying REITs when I was a university student, and it took years before I started to develop my skills &amp; senses in the game.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Personally, even though I have broken down &amp; simplified my whole research process, but <\/span><span class=\"font-500830\">time must be invested in financial statements &amp; earning reports to really get the skills baked into ourselves.<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h4 class=\"wp-block-heading\"><span class=\"font-500830\"><strong>3.<\/strong> <strong>Building up a respectable dividend yield from REITs take time, patience &amp; consistency<\/strong><\/span><\/h4>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>This last point is the biggest challenge for most people.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">The problem is, too many new investors go into investing with the mindset of making money, not accumulating assets.<\/span><\/p>\r\n\r\n\r\n\r\n<blockquote>\r\n<h4><em><span class=\"font-500830\"><strong>The reality is, capital is built from our income, not from investments. We need money to make money. <\/strong><\/span><\/em><\/h4>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">To see meaningful monetary returns from investing, we\u2019ll need capital from our income to accumulate income-generating assets.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Hence, many young FI pursuers with small starting capital gave up on REITs as they cannot accept the fact that It\u2019ll take such a long time to build a reliable &amp; respectable dividend income from REITs<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Building a respectable dividend income from REITs will take patience &amp; consistency.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">Investors without these qualities will find this a downside of REITs.<\/span><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-dots\" \/>\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"No_Money_Lahs_Verdict\"><\/span><span class=\"font-555555\"><u><strong>No Money Lah\u2019s Verdict<\/strong><\/u><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">So here you go \u2013 Why and how REITs is playing a crucial role in my journey to financial independence (FI)!<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">If you are in the journey towards FI as well, hopefully, this post could be of inspiration to you to start the journey!<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"font-500830\"><strong>Just remember, there\u2019s no right or wrong way to achieve FI, this post is just the way I am approaching my journey.<\/strong><\/span><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p><span class=\"font-500830\">On that note, what are you doing with your investments in pursuit of FI? Feel free to share your insights with me at the comment section below!<\/span><\/p>\r\n<p>&#8212;<\/p>\r\n<p><strong><em><span class=\"font-500830\">p.s. If you are keen to learn about REITs, you will be interested in my <a href=\"https:\/\/nomoneylah.com\/workshop\/\">REIT investing sharing session. Find out more HERE.<\/a><\/span><\/em><\/strong><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator is-style-default\" \/>\r\n\r\n\r\n<p><span class=\"font-555555\">Disclaimer: This post is written for sharing purposes and should not be taken as advice to make any form of financial decision. Please consult a licensed\u00a0<a class=\"aalmanual\" title=\"\" href=\"https:\/\/nomoneylah.com\/2019\/12\/17\/personal-financial-planner\/\" data-title=\"\">financial planner<\/a>\u00a0before making any important financial decisions.\u00a0<\/span><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>This is weird.\u00a0 Even after 2 years of creating content in the personal finance &amp; investment space, this is actually [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":69673,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[110,333,338],"tags":[343,349,352,117,356,251,256,257,271,280],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why REITs will Play a CRUCIAL Role in My Journey to Financial Independence (FI) - No Money Lah<\/title>\n<meta name=\"description\" content=\"Given time &amp; consistency, dividends from REITs are actual passive income that I can rely on after achieving financial independence (FI).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why REITs will Play a CRUCIAL Role in My Journey to Financial Independence (FI)\" \/>\n<meta property=\"og:description\" content=\"Given time &amp; consistency, dividends from REITs are actual passive income that I can rely on after achieving financial independence (FI).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/\" \/>\n<meta property=\"og:site_name\" content=\"No Money Lah\" \/>\n<meta property=\"article:published_time\" content=\"2020-08-27T17:07:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-02T04:31:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/REIT-FI.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Chin Yi Xuan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chin Yi Xuan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/\"},\"author\":{\"name\":\"Chin Yi Xuan\",\"@id\":\"https:\/\/nomoneylah.com\/#\/schema\/person\/0a240fe70ae67be73c1ebd53501f2f98\"},\"headline\":\"Why REITs will Play a CRUCIAL Role in My Journey to Financial Independence (FI)\",\"datePublished\":\"2020-08-27T17:07:41+00:00\",\"dateModified\":\"2022-05-02T04:31:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/\"},\"wordCount\":1752,\"commentCount\":6,\"publisher\":{\"@id\":\"https:\/\/nomoneylah.com\/#\/schema\/person\/0a240fe70ae67be73c1ebd53501f2f98\"},\"image\":{\"@id\":\"https:\/\/nomoneylah.com\/2020\/08\/28\/reits-and-financial-independence\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/08\/REIT-FI.png\",\"keywords\":[\"MREIT\",\"stocks\",\"Bursa Malaysia\",\"REIT\",\"SREIT ETF\",\"passive income\",\"financial independence\",\"FIRE\",\"dividends\",\"sreit\"],\"articleSection\":[\"Dividends &amp; 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I am Yi Xuan. I am a writer, personal finance &amp; REIT enthusiast, and a developing trader with the goal to become a full-time funded trader. 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