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REIT – Real Estate Investment Trust

Recently, the investment term “REITs” come across my mind. I keep seeing news about REITs in newspaper, forums and personal blogs. A REIT or real estate investment trust is a real estate company that offers common shares to the public.

What is REIT? According to Wikipedia:

A Real Estate Investment Trust or REIT (pronounced /ˈriːt/) is a tax designation for a corporation investing in real estate that reduces or eliminates corporate income taxes. In return, REITs are required to distribute 90% of their income, which may be taxable, into the hands of the investors. The REIT structure was designed to provide a similar structure for investment in real estate as mutual funds provide for investment in stocks.

In Malaysia, REIT is a little bit different (source).

  • 1. Investors’ dividends will be taxed at investors’ books.
  • 2. Non-residents’ dividends will be taxed at 28%. It is an upfront and final withholding tax.
  • 3. There are NO explicit requirement of minimum payout ratio in the guidelines.

[Read more…]

What Have You Done to Achieve Financial Freedom?

I think most people may have a same dream in their life – to achieve financial freedom. I am having the same dream too.

Financial freedom means that you are in control of your money, rather than it controlling everything you do. It’s a long journey to achieve freedom: learn, fail, learn and fail… the only success.

What have you done to achieve financial freedom?

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Public Mutual Online Experience

I did make some investments in Public Mutual’s unit trust, therefore I’ll need an online account that make my  investment easier. Applying a Public Mutual online account is pretty easy and the application approval and response from Public Mutual is pretty fast too. Currently you can only buy new unit trust and add additional investment to your existing unit trust via Public Mutual Online. I believe feature like switching funds and selling funds will be available soon in near future.

[Read more…]

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