Investment #1 - Monthly Passive Income with this Stable Unit Trust (Eastspring Monthly Income Plan "MIP")

The following write up is NOT an inducement to buy. The following is factually based on research on material which the fund managers have made available to public. All investors are advised to always perform their own research before committing to any investment. All investments which we discuss are approved by the relevant authorities and readers are advised to only invest in instruments which have been granted the legal licence to operate in the region. Investing in non-regulated investments may expose Investors the risk of an unregulated product. No one is allowed by law to solicit investment without relevant permits and licences and any suspicious soliciting of investments online should be treated cautiously. Any investors who have doubts about shady investments should approach their relevant authorities for advice or seek advice from a financially "Trained" person.

Eastspring Monthly Income Plan - SGD is one of those unit trust which has been floating around Singapore since 2005. They have consistently paid out 0.4 Cents a share monthly and 0.6 cents a share each February for a total of 5 Cents a Year in payout since their inception. Not many trust in Singapore can boast such reliable payouts.


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In the fund's fact sheet which can be found at a site like Fund Supermart (FSM) the above screenshot shows the growth you would have enjoyed if you have invested in the above time frames from up to 10 years back to a week ago.


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This image represents the highest price the fund has achieved in Singapore currency and the lowest. Currently as of today the fund trades at $0.879 which has potential to be bought at a discount to its launch price of $1.00 and to achieve new highs in future.

Assuming $10,000 is invested today at the price of $0.879 a unit. This will translate to 11,376 Units of the trust which will be pumping in 5 cents a year and paid monthly. Assuming the fund follows its payout schedule of 0.4 cents a share for 11 months of the year and 0.6 cents a share each Feburary it means you will earn 11,376 X 0.4 cents = $45.50 each month for the full year with you receiving 11,376 X 0.6 cents = $68.26 each February. 

A sum of $100,000 invested will yield you $455 a month.
A sum of $1,000,000 invested will yield you $4550 a month.

This represents a Annual yield of 5.7% in Dividend payouts should Investors choose to take their Dividends in cash.

Investors who choose to Reinvest their dividends and receive Units instead of cash will see annual yield of 6.03% due to compounded interest. Each month new units which is added to your account will immediately start to contribute additional dividends to your existing Trust Holdings.



Pros

- Consistent Dividend Payouts Since 2005 of 5 cents in total a year and paid Monthly. 
- Has the potential to NOT only deliver dividends but also to grow in capital (If bought at the correct entry price).
- Since inception has registered a net yearly growth (Assuming dividends reinvested) while other unit trust have ran red in some of the years.
- Well diversified with asset split across different classes and countries
- Good strong Management
- Has an office here in Singapore
- Approved and registered by the authorities

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Cons

- Some investors with stronger risk appetites may feel the yield may NOT be the highest on the market. There are some unit trust with yield exceeding 10% or even 12% with monthly dividends.
- Despite it strong track record, There is NO guarantee it will continue paying out dividends in the far future as payouts is from its Net Asset Value and dependent on the fund's performance (Note that all unit trust share this same risk).
- Management Fees

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Conclusion

A fund that we personally feel should be part of a serious investor's portfolio especially for Investors of unit trust. One should NOT put all their eggs into this one fund but this fund would be a good asset to sit alongside other investments.

Some investors as mentioned in the "Cons" may prefer higher yielding unit trust but do note that ALL unit trust pays out dividends from its own net asset value and funds which offer too high a yield may realistically be robbing Peter to pay Paul by giving you back money from your own Capital which you have invested. This fund with it's present yield represents a good consistent and realistic payout structure which has NOT failed in more than a decade.

Personally if we had to place a bet on the markets, We would rather invest in a fund which has strong track record, consistent payouts and a dividend history spanning back 14 years. Investment is like a game of Poker. Much better to go in guns blazing with a Full House than a Pair of Aces. 

We wish everyone successful investing and do support us when we do our next fund/Stock review.
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Back to our Investment Blog where we explore the Journey of Managing Money

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