REIT
ALPS Active REIT ETF
stock NASDAQ ETF

You should buy the bigger house. Real estate does not fluctuate as quickly as the stock market. There are great deals on real estate now with motivated Sellers. Perfect time to buy your Forever dream home without bidding wars! Ideally it would be great rent your current home for rental income and appreciation. Your own REIT that you control.

Oh, I didn’t know that but I still think its not worth it considering there is no growth. I know that is normal for most REIT stocks at this stage but I still don’t want to risk it. Thank you for the information.

Any choice you make involves uncertainty so there is no foolproof way to maximize your return. At one end are Treasury bills and bonds which are fairly low risk (except for duration risk). You can lock in an annual return of about 4.2% over five years. Investments with higher current yields also involve greater risk. An index fund that tracks the S&P 500 is the easiest way to invest in stocks. Historically it averages about 8% per year but with a wide variation. You could also invest in REIT common or preferred shares which have higher yields but more credit and duration risk.

It’s a REIT, can’t really look at P/E ratio to judge valuation. The asset depreciation on all that real estate they’re holding looks like an expense on their books, but it doesn’t actually cost the company any money. https://www.nasdaq.com/articles/why-pe-ratios-are-useless-when-evaluating-reit-2015-06-18

O is a rock solid monthly paying REIT. Yields about 5.6 percent, last I thought about it.

0% at the moment.
The most probable scenario is that when closer to retirement or already retired, I'll start pulling together a 10-15% REIT bucket. But there also a scenario where quality REITs become very cheap again. If it materialises, I'd load up for sure.

😂😂
Honestly, REIT is a pretty safe investment so you should be good. Rate cuts would be super beneficial considering how leveraged it is.

They are still not a pure play manufacturing REIT, they are transitioning from a diversified REIT and are still holding some retail/office properties so it's basically still a diversified REIT and not a pure play but they are making progress. Relatively high debt, \~7-7.5x ebitda but manageable. Very small, around $160 million capitalization and around 40 buildings, so a high concentration risk. Main tenant is around 15% of ABR so again, concentration risk. Financials are still volatile because they unloaded/unloading non-core properties so the AFFO trend doesn't look that great. Unknown, illiquid, no investor presentation, website is straight from '00.
Around 9-9.5x forward AFFO, 8.2% yield paid monthly and they claim 40% discount to NAV

Just got this from AI overview so don’t take it as true, where did you get the info that they have filled the vacancies from Q3 Q4?:
“Plymouth Industrial REIT (PLYM) has been predicted to have negative earnings primarily due to a combination of factors including declining occupancy rates, tenant issues, and the impact of deconsolidating a large portfolio. Specifically, a drop in occupancy rates, especially in the third quarter of 2024, has negatively impacted rental income, which is a major revenue source for the REIT. Additionally, the deconsolidation of the Chicago portfolio to form a joint venture also contributed to lower revenues and net operating income. Furthermore, tenant evictions in Cleveland and associated costs, along with potential difficulties in backfilling vacancies, have further pressured earnings.

Here's a more detailed breakdown:
Declining Occupancy:
A significant decrease in occupancy rates, particularly in Q3 2024, has directly reduced rental income, a key revenue stream for the REIT. This decline is a major factor in the negative earnings predictions.
Tenant Issues and Vacancies:
Tenant evictions in Cleveland, particularly from an online retailer and a windmill furniture business, have led to increased vacancies and associated costs. The potential difficulty in quickly filling these vacant properties adds to the financial pressure.
Impact of Chicago Portfolio Deconsolidation:
The formation of a joint venture with Sixth Street Partners, which involved deconsolidating 34 properties in the Chicago area, has reduced revenues and net operating income (NOI).
Forward-Looking Statements and Reliance on Uncertainties:
News articles on Quiver Quantitative and Plymouth Reit report that the company's reliance on forward-looking statements, particularly those related to leasing rollover in Memphis and future acquisitions, creates uncertainty about its ability to maintain rental income stability and could lead to further revisions of earnings guidance.
Potential Financial Risks:
The reliance on an unsecured line of credit to fund acquisitions also poses a financial risk if market conditions change or if cash flow projections are not met.”

PLYM: A Boring Little REIT That Might Be Stupid Cheap Right Now

How much do you allocate to REIT's/Real estate?

O doesn’t work in wealth Simple tbh. I’m looking for a Main type REIT but international haha does that even exist ?

Es ist doch eine Basis Assetallokation, wenn man zum Beispiel einen Notgroschen oder ein gewisses Cash Polster hält. Das kannst du ja gerne noch weiter bohren und weitere Assets dazunehmen. Das Problem ist halt, dass hier häufig Assetallokation auf der Mikroebene läuft. Ob ich jetzt nen World, All World, Europa, REIT, Small Cap, ... Index nehme, ändert halt noch nichts daran, dass man in Aktien investiert. Selbiges gilt für Anleihen, Rohstoffe, Edelmetalle oder Krypto.
Und ja, bei einer Assetallokation kann man auch einen Amumbo nehmen.
Wenn du jetzt beispielsweise 80% Aktien und 20% Anleihen willst, kannst du auch 40% Amumbo und 20% Anleihen nehmen. Damit bleiben dir 40% für noch andere Assetklassen wie Rohstoffe, Edelmetalle und Krypto.

Awesome you've taken an interest in your future at such a young age. Im 67 and have been involved in the market for around 40 yrs. My entire portfolio is comprised of REIT's (real estate investment trusts) and dividend paying ETF's. Having a % in YM products may be ok but Id consider some more stable investment products also. Some of the REIT's I have are paying 14%, average is around 9-10%. Thats not bad, especially considering you have a lot of years ahead of you for compounding.

Yes your wealth only kept up with inflation. You didn't become more wealthy nor did you become any poorer. And certainly if you didn't invest, then you would have became more poor due to inflation. I'm just pointing out that there are wide variety of possible outcomes. If you are unlucky you could end up with 0% returns, even after 20 years of investing. Of course there's also the possibility that you get lucky and get 15% returns.
There's no data, at least I don't have it, to backtest how would a more diversified portfolio done during those years. And many of the products didn't exist that we have today, for example commodity carry, trend following, etc. Or how would something like farmland or timberland done during those years. What about REIT's. Even gold, we can't really backtest it because the gold standard was in place until 1971.

1 - just that most of my money is in an employer 401k. I have some in an employer Roth 401k. I have some in an individual Roth IRA, and some in a fidelity brokerage. It's just that roughly 90% is in employer 401k. Might be 85%, might be 90%, rough numbers. Invested in index funds mostly. I do quite a bit into funds that track the S&P, some into mid and small cap, some international, little REIT. Roughly 40% in funds that track S&P or similar, 20% international, 30% small and mid cap, 10% REIT.
3 - I was just saying that the $30k I used to buy in was made from roughly $12k invested during covid. I don't pay in for repairs. I just get 7% of the profits. If there are lots of repairs, then profits are less.
5 - I'm terrible at budgeting / tracking. My budget is to max out my employer 401k at a minimum, pay my bills, and spend the rest (which is sometimes spent on more investing). This year, I'll likely run a bigger surplus. I don't have an $750 car payment starting this month. I know I could save / invest more. Going out / travel is my big area of excess spending. I'm not very materialistic generally. I try to fix everything to get as much life out of it as I can. I hardly ever buy new for larger purchases. I even cut my own hair lol.
I should do more for emergency savings. I know ultimately in an emergency I can get money, so I don't worry about it as much as maybe I should.

AGNC is a risky play compared to SCHD and VOO. AGNC is a mortgage REIT with a high yield (currently over 15%), but that comes with significant volatility.
SCHD and VOO are much better long-term investments. SCHD focuses on quality dividend-paying companies with strong fundamentals and consistent dividend growth. VOO gives you exposure to the entire S&P 500.
For just $600, I'd go with either SCHD or VOO rather than splitting it. SCHD has been performing well despite recent market volatility, generating a 7.8% return in Q1 2025 even with the broader market decline. It holds quality companies across multiple sectors with proven track records of growing dividends.
If you're primarily after dividend growth with some stability, SCHD makes more sense. If you want broader market exposure with still decent dividends, VOO is the better choice.
Stay away from AGNC unless you fully understand mortgage REITs and the risks involved. Their business model is heavily affected by interest rate changes and they use significant leverage.

No profit guidance upgrades yesterday and a somewhat up and done market still there some deals seem to be over subscribed and others are just barely making it across the finishing line. I hope everyone can take a few moments to acknowledge the courage and bravery of our fair brokers tirelessly working to manufacture millions out of thin air for the pittance of 5% of total raise value in these trying times.
Without further ado
# HEADLINE METRICS
* **Total Capital Raised:** \~$41.7M+ across new deals.
* **Deal Count:** 7+ new equity/debt raises and 1 major takeover.
* **Sector Mix:** Property (1), Healthcare/Diagnostics (3), Mining (2), Technology/VC (1), Financial Services (1), Oil & Gas (1).
* **Price Reactions:** Mixed, with some showing no change due to trading halts.
* **Oversubscription Trend:** Limited data available on new deals.
* **Premium/Discount:** Most raises were priced at discounts to recent trading.
# MAJOR CAPITAL RAISINGS & DEALS
**Aspen Group (ASX: APZ)** *Tags: property, accommodation, holiday parks* *Market Cap: $867.05M | Price Reaction: -0.52% | Volume Interest: 1.07x above avg*
* **Deal Type:** Asset Acquisition
* **Deal Value:** $19 million
* **Use of Funds:** Acquire the Adelaide portfolio of 19 retirement village properties from ACH Group.
* **Key Terms:** The portfolio includes 129 villas across \~32,000sqm of land.
* **Standout Metric:** The properties are located in areas with median house prices exceeding $1M.
**New World Resources (ASX: NWC)** *Tags: mining, mineral exploration* *Market Cap: $239.57M | Price Reaction: 0.0% | Volume Interest: 0.41x low*
* **Deal Type:** Takeover Bid
* **Offer Price:** $0.065 per share
* **Lead Bidder:** Central Asia Metals Plc (CAML).
* **Key Terms:** CAML increased its offer, waived all conditions, and declared the offer unconditional, creating a superior bid to a competing offer from Kinterra.
* **Key Quote:** The board "unanimously recommends that New World shareholders accept the CAML Offer".
# SHARE PURCHASE PLANS & ENTITLEMENTS
**Pacific Edge (ASX: PEB)** *Tags: healthcare, medical diagnostics, cancer testing* *Market Cap: $79.56M | Price Reaction: 0.0% | Volume Interest: 0.29x low*
* **Raise Type:** Share Purchase Plan (SPP)
* **Target Amount:** $5.0 million
* **Issue Price:** $0.10 per share
* **Key Terms:** The SPP is conditional on shareholder approval of a larger $16.1M placement at the upcoming AGM.
* **Use of Funds:** To extend the cash runway, accelerate Cxbladder Triage adoption in the US, and fund clinical evidence generation.
**Adherium (ASX: ADR)** *Tags: healthcare, digital health, respiratory disease management* *Market Cap: $9.43M | Price Reaction: 0.0% | Volume Interest: 1.67x above avg*
* **Raise Type:** Retail Entitlement Offer Completion
* **Amount Raised:** $1.4M total (including a retail component of $281,041).
* **Issue Price:** $0.005 per share.
* **Key Terms:** The 1-for-1 offer was underwritten by PAC Partners, with major shareholders BioScience Managers and Trudell Medical participating as sub-underwriters.
* **Take-up Rate:** \~6% of eligible retail shareholders participated.
**Hydrocarbon Dynamics (ASX: HCD)** *Tags: oil & gas, chemicals* *Market Cap: $3.23M | Price Reaction: 0.0% | Volume Interest: 0.0x low*
* **Raise Type:** Entitlement Offer
* **Target Amount:** \~$718,000
* **Issue Price:** $0.002 (0.2 cents) per share.
* **Key Terms:** 1-for-3 non-renounceable offer, not underwritten.
* **Use of Funds:** Marketing HCD Multi-Flow®, reviewing investment opportunities, and general working capital.
# SMALLER RAISES & STRATEGIC PLACEMENTS
**Lumos Diagnostics (ASX: LDX)** *Tags: healthcare, diagnostics, point-of-care* *Market Cap: $52.39M | Price Reaction: -5.41% | Volume Interest: 4.31x high*
* **Raise Type:** Debt Facility
* **Amount:** A$5.0 million
* **Lead Investors:** Tenmile Ventures and Ryder Capital (major shareholders).
* **Key Terms:** A secured loan facility intended as a working capital bridge.
* **Use of Funds:** Working capital while pursuing a CLIA waiver for its FebriDx® product.
* **Standout Metric:** This new facility will extinguish a previous unused A$4.0M convertible note facility.
**360 Capital Mortgage REIT (ASX: TCF)** *Tags: financial services, private credit* *Market Cap: $40.09M | Price Reaction: 0.0% | Volume Interest: 0.87x normal*
* **Raise Type:** Shortfall Placement
* **Amount Raised:** $6.4 million
* **Issue Price:** $5.94 per unit.
* **Use of Funds:** To originate registered mortgage loans consistent with the REIT's investment strategy.
* **Standout Metric:** Utilised the remaining capacity under its shortfall offer from a previous entitlement offer.
**Scalare Partners (ASX: SCP)** *Tags: technology, venture capital, startup accelerator* *Market Cap: $16.7M | Price Reaction: 0.0% | Volume Interest: 0.53x normal*
* **Raise Type:** Share Placement + SPP
* **Amount Raised:** $3.0M from placement, with an SPP for up to $1.08M to follow.
* **Issue Price:** $0.12 per share (a 29.4% discount to the last close).
* **Key Terms:** 1 free-attaching option for every 2 shares subscribed, with a 2-year expiry and $0.18 exercise price.
* **Standout Metric:** The Board and management committed $169,680 to the placement.
**American West Metals (ASX: AW1)** *Tags: mining, base metals, copper, zinc* *Market Cap: $31.7M | Price Reaction: -5.0% | Volume Interest: 0.84x normal*
* **Raise Type:** Private Placement
* **Amount Raised:** US$2M
* **Key Investor:** Ocean Partners Holdings Ltd (OP).
* **Key Terms:** The placement gives strategic partner OP a 9.4% shareholding in the company.
* **Use of Funds:** To advance the Storm Copper Project development.
* **Standout Metric:** The deal includes a 100% offtake agreement for the life of the resource (or 8 years).
As always let me know what you like, hate etc etc. Am going to be working on an additional dive on some tickers curtosy of u/DOGS_BALLS later on

I have tried DIY and did 3 allocations - will choose 1 only.

Reasons for selection of funds -
1. PPFC - Good downside protection, consistent returns.
2. Nifty Next 50 - Typically tends to beat Nifty 50 in longer run hence.
3. Bandhan Small Cap - Overall alpha factor.
4. Multi Asset - Typical 1 fund but covers all the commodities (Gold, Silver, REIT)
5. Midcap - Either Active/ Passive - not sure here.
Please do suggest any feedback on this and let me know if anything I should add/ replace with. Thanks in Advance!