Core Insights - The article discusses how to replace a $75,000 salary with dividends from investments in dividend stocks by calculating the necessary portfolio size based on dividend yield [2][4]. Group 1: Dividend Yield and Portfolio Size - The average yield of a portfolio is crucial in determining the amount of capital needed to replace a salary with dividends. A higher yield, such as 5%, requires less capital compared to a lower yield of 2% [7][8]. - To earn $75,000 annually, a portfolio yielding 5% would need to be $1.5 million, while a 2% yield would require a portfolio of $3.75 million [9]. Group 2: Additional Income Sources - Social Security benefits can reduce the amount needed in a dividend portfolio. For instance, if an individual receives $50,000 from Social Security, only $25,000 needs to be generated from dividends, making the required portfolio size more manageable [9]. Group 3: Reinvestment and Dividend Growth - Reinvesting dividends can lead to the accumulation of more shares, resulting in higher future dividend payouts. This strategy can help investors achieve their income goals with less initial capital [10][12]. - Companies that consistently increase their dividends can significantly aid investors in replacing their income. High-growth dividend stocks may increase dividends by over 10% annually, compared to mature companies that typically raise dividends by only 1% to 3% [11]. Group 4: Tax Considerations - Dividend income is generally taxed at lower long-term capital gains rates if classified as qualified dividends. However, some stocks, like REITs and certain ETFs, may have distributions taxed as ordinary income, which can reduce net income [13][14].

Core Viewpoint - CareTrust REIT is generally considered a better investment option compared to Seritage Growth Properties based on various financial metrics and analyst recommendations [9]. Risk and Volatility - Seritage Growth Properties has a beta of 2.43, indicating its share price is 143% more volatile than the S&P 500, while CareTrust REIT has a beta of 0.74, suggesting it is 26% less volatile than the S&P 500 [1]. Valuation & Earnings - Seritage Growth Properties reported revenue of $17.62 million and an earnings per share (EPS) of -$1.42, with a price-to-earnings ratio of -1.89. In contrast, CareTrust REIT generated revenue of $476.39 million, an EPS of $1.55, and a price-to-earnings ratio of 23.97, indicating it has higher revenue and earnings than Seritage Growth Properties [3]. Insider & Institutional Ownership - Institutional ownership stands at 78.9% for Seritage Growth Properties and 87.8% for CareTrust REIT. Insider ownership is 0.6% for Seritage and 0.7% for CareTrust, reflecting strong institutional confidence in CareTrust REIT's long-term growth potential [4]. Profitability - Seritage Growth Properties has a net margin of -404.37%, a return on equity of -20.13%, and a return on assets of -12.10%. In comparison, CareTrust REIT boasts a net margin of 67.28%, a return on equity of 8.98%, and a return on assets of 6.83% [6]. Analyst Ratings - Seritage Growth Properties has a consensus rating score of 1.00, with no buy ratings, while CareTrust REIT has a score of 3.00, including 7 buy ratings and a price target of $42.90, suggesting a potential upside of 15.49% [8].

Key Information - Dimensional Fund Advisors Ltd. has disclosed an opening position representing 1.10% of LondonMetric Property plc's ordinary shares, totaling 25,892,923 shares [5] - The disclosure also includes a position of 1.31% in Schroder Real Estate Investment Trust Limited, amounting to 6,414,877 shares [6] Positions of the Discloser - Dimensional Fund Advisors holds 25,892,923 shares of LondonMetric Property plc, which constitutes 1.10% of the relevant securities [5] - In addition, Dimensional Fund Advisors controls 6,414,877 shares of Schroder Real Estate Investment Trust Limited, representing 1.31% of the relevant securities [6] Dealings - A transfer of 14,014 shares of LondonMetric Property plc was recorded as part of the dealings [7] Other Information - There are no indemnity or option arrangements related to the relevant securities disclosed by Dimensional Fund Advisors [10] - No agreements or understandings regarding voting rights or future acquisition or disposal of relevant securities were reported [11]

Core Viewpoint - Terra Property Trust, Inc. announced the results of its exchange offers and consent solicitation, which involved exchanging existing unsecured senior notes for new secured senior notes and soliciting amendments to the indenture governing the existing notes [1][2]. Group 1: Exchange Offers Details - The Company offered to exchange all validly tendered unsecured 6.00% Senior Notes due June 30, 2026, and unsecured 7.00% Senior Notes due March 31, 2026, for new secured 7.00% Senior Notes due March 31, 2029 [1]. - The registration statement for the issuance of the new Exchange Notes was filed with the SEC on February 13, 2026, and was declared effective on March 26, 2026 [1]. Group 2: Tender Results - As of the expiration date, $24,027,025 of the 6.00% Senior Notes (29.89% of total outstanding principal) and $1,550,975 of the 7.00% Senior Notes (4.04% of total outstanding principal) were validly tendered [2][3]. - The Company did not receive valid consents from the requisite majority of TPT Notes holders, meaning the proposed amendments will not take effect, and the existing indenture remains unchanged [2][3]. Group 3: Company Overview - Terra Property Trust, Inc. is an externally managed real estate investment trust that focuses on originating, investing in, and managing loans and assets secured by commercial real estate across the U.S. [6]. - The Company's objective is to provide attractive risk-adjusted returns primarily through high current income and potential capital appreciation [6].

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Core Viewpoint - Market volatility, particularly due to geopolitical tensions, poses challenges for investors, especially those nearing retirement. Defensive stocks are highlighted as a means to protect retirement portfolios during economic turbulence [1][2][3]. Defensive Stocks Overview - Defensive stocks are essential for retirement portfolios as they provide steady earnings and reliable dividends, helping to mitigate the impact of market downturns [4][19]. - The focus of defensive investing is on preserving capital and generating consistent income rather than seeking rapid growth [19]. Company-Specific Insights Keppel Ltd (SGX: BN4) - Keppel has transitioned from a reliance on oil to becoming a global asset manager, focusing on steady income from infrastructure and fund management. In FY2025, net profit from continuing operations increased by 39% YoY to S$1.1 billion, with recurring income rising 21% to S$941 million [6][7]. - The total distribution for FY2025 was boosted to approximately S$0.47 per share, a 38% increase from FY2024, providing a yield of 2.7% based on the current share price of S$12.45 [7]. Singapore Technologies Engineering Ltd (SGX: S63) - ST Engineering is recognized as a defensive blue chip with a strong position in defense, aerospace, and smart city solutions. The company reported strong operating cash flow of S$1.7 billion and cash reserves of S$576 million, alongside a robust order book of S$33.2 billion as of December 31, 2025 [8][9]. - The share price has increased by about 65% over the past year, reflecting its defensive appeal amid geopolitical volatility [11]. Parkway Life REIT (SGX: C2PU) - Parkway Life REIT holds 74 properties valued at S$2.57 billion, including hospitals and healthcare facilities. In FY2025, gross revenue increased by 7.6% YoY to S$156.3 million, with net property income rising 8.0% to S$147.5 million [12][13]. - The distribution per unit (DPU) increased by 2.5% to S$0.1529, and the current unit price of S$3.99 offers a distribution yield of about 3.8% [13]. NetLink NBN Trust (SGX: CJLU) - NetLink provides essential fibre broadband infrastructure, serving over 1.5 million residential connections. In the first nine months of FY2026, revenue rose by 1.6% YoY to S$313.0 million, with EBITDA slightly declining by 0.6% to S$215.5 million [15][16]. - The semi-annual DPU has steadily increased from S$0.0244 in FY2019 to S$0.0271 in 1HFY2026, reflecting its stable income stream [16][17]. Conclusion - Defensive stocks like Keppel, ST Engineering, Parkway Life REIT, and NetLink NBN Trust are positioned to provide stability and income during market volatility, making them suitable for retirement portfolios [4][19].

Key Information - Rathbones Group Plc has disclosed its interests in relevant securities representing 1% or more in relation to a consortium comprising LondonMetric Property plc and Schroder Real Estate Investment Trust Limited [1] - The position was held as of March 24, 2026, and the disclosure was made on March 25, 2026 [1][14] Positions of the Discloser - Rathbones Group Plc holds 86,819,509 ordinary shares of LondonMetric Property plc, representing 3.70% of the total [3] - Additionally, it holds 20,011,480 ordinary shares of Schroder Real Estate Investment Trust Limited, representing 4.09% of the total [4] Dealings - The company has engaged in multiple sales and purchases of LondonMetric 10p Ordinary Shares, with sales totaling 2,706 shares at 182.5p, 18,303 shares at 180.5662p, and several other transactions [7] - Purchases of LondonMetric shares include 16,200 shares at 181.5896p and 9,000 shares at 181.7p among others [7] - In terms of Schroder REIT Ordinary NPV Shares, the company sold 88,601 shares at 47.9p and 9,750 shares at 48.667p [7] Other Information - There are no indemnity or other dealing arrangements disclosed by Rathbones Group Plc [12] - No agreements or arrangements relating to options or derivatives were reported [13]

Core Viewpoint - Lument Finance Trust reported a net loss for the fourth quarter of 2025, emphasizing active asset management and improving credit market conditions while focusing on resolving legacy problem assets Financial Performance - Total operating expenses increased to $3.8 million from $3.1 million in the prior quarter, including one-time legal expenses and costs related to a financing initiative [1] - Fourth-quarter net interest income was $5.3 million, slightly up from $5.1 million in the third quarter, with a decline in the weighted average coupon of the loan portfolio to 717 basis points from 777 basis points [2] - The company reported a net loss to common stockholders of $8.9 million, or $0.17 per share, for the fourth quarter, and a GAAP net loss of $0.14 per share for the full year 2025 [4][6] Earnings and Dividends - Distributable Earnings were approximately $0.00 per share for the fourth quarter, with a declared dividend of $0.04 per share for both the fourth quarter and the first quarter of 2026, totaling $0.22 per share for 2025 [3][6] Asset Management and Financing - The company executed the LMNT 2025-FL3 CLO transaction worth $664 million, acquiring or funding approximately $400 million of loans in Q4 [5][11][16] - As of December 31, 2025, the loan portfolio consisted of 61 floating-rate loans with an aggregate unpaid principal balance of approximately $1.1 billion, with a weighted average floating rate of 333 basis points over SOFR [12][13] Credit Quality and Provisions - Management recorded an $8.6 million unrealized provision for credit losses, raising the specific allowance to $17.6 million, with eight risk-rated 5 loans totaling approximately $117 million [6][7] - The weighted average risk rating improved to 3.2 from 3.6, with 83% of loans risk graded 3 or better at year-end [13] Liquidity and Capital Deployment - The company ended 2025 with approximately $23 million of unrestricted cash and highlighted appropriate liquidity for portfolio management and asset resolution [18] - Management discussed evaluating new capital deployment amid elevated rate volatility, emphasizing sponsor quality and market fundamentals [19] Market Environment - The commercial real estate environment is characterized by improved capital markets liquidity, although transaction activity remains below historical averages due to pricing discovery and elevated capital costs [14][15]

Disclaimer This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which reflect the current views of Lument Finance Trust, Inc. (NYSE: LFT) ("LFT," the "Company," "we," "our," or "us") with respect to, among other things, the Company's operations and financial performance. You can identify these forward-looking statements by the use of words such as "outlook," "indi ...

Core Viewpoint - Lument Finance Trust, Inc. reported disappointing financial results for Q4 and full-year 2025, missing key metrics and analyst expectations Financial Performance - For Q4 2025, the company reported a GAAP net loss of $8.9 million, or $0.17 per share, compared to analyst expectations of approximately $0.06 for normalized/distributable EPS [2] - The company experienced a small distributable loss of approximately $0.2 million, essentially $0.00 per share, which also missed the ~$0.06 estimate [2] - Net interest income for Q4 was approximately $5.37 million, falling short of consensus estimates in the $7–$7.78 million range [3] Full-Year Results - For the full year 2025, LFT reported a GAAP net loss of $7.5 million, or $0.14 per share [4] - Despite the GAAP loss, the company generated distributable earnings of $7.6 million, or $0.14 per share, which is a key non-GAAP metric reflecting cash available for distribution to shareholders [4]