Thursday, July 24, 2025

Shariah-Compliant Dividend / REIT Portfolio — Subok ng Puso Series #4

Micro Stock Trader Blog | ₱200,000 Allocation | Halal Passive Income through REITs

Series #4 of the Subok ng Puso, Hindi Lang ng Strategy series, showcasing the ₱200,000 REIT allocation to CREIT, DDMPR, MREIT, PREIT, and RCR.

📅 Petsa ng Paglalathala: July 24, 2025

📅 Huling Pag-update: July 28, 2025

💰 Series #4 of 7 | Subok ng Puso, Hindi Lang ng Strategy Series

📌 Objective:

To generate passive income from a selection of halal-screened REITs and dividend-paying companies that pass ethical and Shariah filters.

Ito ang bahagi ng portfolio na tumatanggap ng biyaya habang natutulog ka, pero hindi mula sa haram.

🏢 Selected REITs & Dividend Stocks

After screening for Shariah compliance, business model alignment, and dividend sustainability, the following REITs made it into this dividend-focused portfolio:

🌿 CREIT (Citicore Energy REIT) — ₱50,000

✔️ 100% green energy REIT
✔️ Shariah-compliant by structure
✔️ Solid yield, steady lease terms, ethical exposure
This is our cleanest and most halal-aligned income source. ✅

Stock Price Review: Citicore Energy REIT Corp. (CREIT) Weekly Chart as of July 11, 2025 – Buy or Sell Decision Using the Hybrid 10-Step Strategy

🧱 Layered Accumulation Plan – ₱50,000 Capital

Trading Capital: ₱50,000
Board Lot: 1,000 shares
Target No. of Layers: 5
Allocation per Layer: ~₱9,900

📍 Layer 1 – ₱3.44

Buy 1,000 shares = ₱3,440
Rationale: Bounce from recent support above 8-MA; good for initial exposure.

📍 Layer 2 – ₱3.36

Buy 1,000 shares = ₱3,360
Rationale: Micro pullback sa loob ng range; confirmation zone kung hindi bumaba pa sa 20-MA.

📍 Layer 3 – ₱3.30

Buy 1,000 shares = ₱3,300
Rationale: Core position zone, exact sa 20-MA (₱3.28 area). Long-term value zone.

📍 Layer 4 – ₱3.22

Buy 1,000 shares = ₱3,220
Rationale: Pre-emptive buy near long-term 200-MA (₱3.20). Critical layer for conviction holders.

📍 Layer 5 – ₱3.15

Buy 1,000 shares = ₱3,150
Rationale: Final support catch; bounce area at 50-MA. If violated, stop-loss may trigger.

✅ Total Accumulated Shares: 5,000
✅ Total Estimated Cost: ~₱16,470 (avg) × 3 = ₱16,470 × 3 = ₱49,715
✅ Remaining Cash Buffer: ~₱285 (for fees or high-risk tactical entry)

🎯 Strategy Insight: Gradual pyramid toward long-term conviction base. Kung mag-pullback nang tuluy-tuloy, nakaabang lahat ng levels. Kung mag-breakout agad, may initial exposure na.

🎯 Phased Exit Plan – ₱50,000 Capital

Total Shares (Target): 5,000
Exit Method: Tiered Profit-Taking + Trailing Remainder

📤 Target 1: ₱3.80

Sell 1,000 shares = ₱3,800
Minor resistance. First partial exit to recover capital and reduce exposure.

📤 Target 2: ₱4.00

Sell 1,000 shares = ₱4,000
Psychological round level. Profit lock-in for midterm valuation.

📤 Target 3: ₱4.20

Sell 1,000 shares = ₱4,200
Stretch target from past REIT swing zones. Possible resistance at higher fib zones.

📤 Target 4: ₱4.50 (or trail above ₱4.20)

Sell 1,000 shares = ₱4,500 (or trail)
Optional exit or transition to trailing stop if breakout continues.

📤 Target 5: Hold remaining 1,000 shares, trailing stop at 20-MA

Let winners ride; secure profits along the way but keep exposure for upside.

✅ Estimated Exit Value if All Targets Hit:
₱3,800 + ₱4,000 + ₱4,200 + ₱4,500 + trailing ~₱4,400 = ₱20,900+

💼 Goal: Maximize upside while trimming steadily. Ride the trend, protect gains. Remaining shares act as “dividend core” for passive income.

✅ Final Recap – CREIT ₱50K Strategy

Start accumulating from ₱3.44 down to ₱3.15, layered across 5 support zones
Use trailing exits to benefit from trend rallies
Stop-loss below ₱3.15, invalidate thesis pag binasag ang 50-MA support
Total capital used: Almost full ₱50K deployed with flexibility
Good fit for: Halal Dividend Portfolio / Shariah REIT Strategyn

🏙️ DDMPR (DoubleDragon REIT) — ₱30,000

✔️ Commercial property leases from business hubs
✔️ Passive income potential, though liquidity is a concern
A low-cost dividend play with room for recovery. For yield hunters na marunong maghintay. 🕰️

Stock Price Review: DDMP REIT Inc. (DDMPR) Weekly Chart as of July 11, 2025 – Buy or Sell Decision Using the Hybrid 10-Step Strategy

📚 Upgraded Layered Accumulation Plan (₱30,000 Capital | 1 Board Lot = 1,000 Shares)

🎯 Objective: Build a core dividend REIT position using progressive entries while maintaining risk control at ₱1.00 psychological support.

📌 Board Lot Size per Layer: 1,000 shares
📌 Max Capital Use: ~₱29,500 total (₱500 buffer for fees or tactical moves)
📌 Max Position: 6,000 shares (6 board lots)

1️⃣ Layer 1 – Base Buy Zone

📍 Price: ₱1.05
📦 Shares: 1,000
💰 Est. Cost: ₱1,100

2️⃣ Layer 2 – Deeper Support Test

📍 Price: ₱1.03
📦 Shares: 1,000
💰 Est. Cost: ₱1,080

3️⃣ Layer 3 – Bounce Setup Zone

📍 Price: ₱1.01
📦 Shares: 1,000
💰 Est. Cost: ₱1,060

🕌 Total Initial Capital Deployed (Base Accumulation): ₱3,240 (approx. ₱3,300 with fees)

4️⃣ Layer 4 – Add on Breakout Trigger

📍 Price: ₱1.10
📦 Shares: 1,000
💰 Est. Cost: ₱1,150

5️⃣ Layer 5 – Add on Momentum Confirmation

📍 Price: ₱1.16
📦 Shares: 1,000
💰 Est. Cost: ₱1,210

6️⃣ Layer 6 – Full Conviction / Dividend Play

📍 Price: ₱1.18
📦 Shares: 1,000
💰 Est. Cost: ₱1,230

🕌 Total Add-on Allocation (Momentum Phase): ₱3,590 (approx. ₱3,650 with fees)

📦 Grand Total for All Layers: ~₱6,890
💼 Total Capital Deployed: ₱29,500 (including fees and contingencies)

📤 Upgraded Phased Exit Plan (Target: 6,000 shares)

🎯 Exit goal: Manage gains conservatively, preserve long-term passive income.

1️⃣ Partial Exit 1 – Profit Lock-in

📍 Target Price: ₱1.15
📦 Sell: 1,000 shares
💰 Lock-in ~₱0.10–₱0.12 per share gain if entry was at ₱1.03–₱1.05

2️⃣ Partial Exit 2 – Mid-Term Harvest

📍 Target Price: ₱1.20
📦 Sell: 2,000 shares
💰 Good average return across multiple layers

3️⃣ Final Exit – Strategic Peak

📍 Target Price: ₱1.25
📦 Sell: 2,000 shares
💰 Secure maximum upside near resistance

4️⃣ Passive Income Retention (Optional)

📍 Hold Remaining: 1,000 shares
🕌 If price stabilizes above ₱1.25 with consistent dividends, retain for long-term yield.

⚠️ Stop-Loss Policy

🔻 Hard Stop: Close below ₱1.00 on strong red candle and volume
🚫 Action: Cut full position or reduce 50% if structure breaks.

Reflection ng Batangueñong Trader:

"Hindi lahat ng REITs ay pare-pareho. Si DDMPR, kahit mura, dapat pa ring i-trade nang may respeto sa risk. Ang piso ay depensa; kung masira, wag ipilit. Pero kung tumibay sa ₱1.00 at mag-breakout sa ₱1.10–₱1.15, may ginto sa dulo." 💡

🏢 MREIT (Megaworld REIT) — ₱40,000

✔️ Office-focused REIT from the Megaworld Group
✔️ High-yielding, strong lease profile
Ethically aligned with good quarterly payouts. 📦

Stock Price Review: MREIT, Inc. (MREIT) Weekly Chart as of July 11, 2025 – Buy or Sell Decision Using the Hybrid 10-Step Strategy

📚 Upgraded Layered Accumulation Plan (₱40,000 Capital | 1 Board Lot = 100 shares)

💡 Strategy Overview
We’re maintaining a two-layered structure: one Tactical Entry for short-term momentum, and one Core Entry for long-term dividend-focused positioning. With the increased capital, we’ll scale position sizes while maintaining prudent risk management.

🎯 Allocation Objective:
Build a sustainable position over time, with room for re-entry or rotation depending on how price reacts to resistance zones.

1️⃣ Layer 1 – Tactical Entry

Price Zone: ₱13.60
Board Lots: 4 lots (400 shares)
Estimated Capital: ₱5,440

📌 Tactical entry at mid-range zone just above support, meant for quick reaction to near-term strength or pullback stability.

2️⃣ Layer 2 – Core Entry

Price Zone: ₱13.10 (in case of deeper dip or backtest of demand zone)
Board Lots: 8 lots (800 shares)
Estimated Capital: ₱10,480

📌 Core layer positioned near strategic support for a longer-term dividend and value play.

3️⃣ Reserve Layer / Re-Entry

Price Trigger: ₱12.80 (only if market overreacts or REITs experience sector-wide dip)
Board Lots: 5 lots (500 shares)
Estimated Capital: ₱6,400

📌 Strategic buy-the-dip slot reserved for deeper support or panic pullbacks.

💰 Total Allotted Shares: 1,700 shares
💸 Capital Used (Initial Allocation): ₱22,320
💼 Reserve Capital (For Add-on / Fees / Repositioning): ₱17,680

🧭 Phased Exit Plan (Strategic Scaling Out)

🎯 Sell into Strength, Reinforce on Weakness.
Dividend-paying stocks like MREIT benefit from phased profit-taking while keeping a portion to earn yield.

1️⃣ Target 1 – Tactical Profit Trim

Sell Price: ₱14.80
Shares to Sell: 300 shares
Reason: First profit zone; partial unwind of tactical layer to lock early gains.

2️⃣ Target 2 – Core Profit Zone

Sell Price: ₱15.20
Shares to Sell: 400 shares
Reason: Hits next resistance cluster; secure mid-term capital gain while holding balance.

3️⃣ Target 3 – Final Review or Hold for Yield

Sell Price: ₱15.80 or higher
Shares to Sell: 400 shares
Action: Either complete the cycle or retain for long-term dividend reinvestment.

🌀 Remaining Shares (600):
Flexible—can be recycled into new pullbacks or held long-term for stable dividend income.

🧮 Summary Snapshot

Entry Zones: ₱13.60 / ₱13.10 / ₱12.80
Exit Zones: ₱14.80 / ₱15.20 / ₱15.80+
Board Lots Strategy: 4 (Tactical) + 8 (Core) + 5 (Reserve)
Cash Reserve for Adjustments: Php17,680 out of Php40,000
Dividend Play: Active hold for reinvestment possible if no major resistance breach

✅ This upgraded plan is designed for patient accumulation with dividend reinvestment in mind, while still allowing tactical trims to ride near-term momentum. Pang steady kitaan nga talaga, gaya ng sabi ng inyong Batangueñong retail stock trader.

🏬 PREIT (Premier REIT) — ₱30,000

✔️ Smaller cap REIT with consistent dividends
✔️ Shariah-friendly operations in the retail and warehouse space
May not be big, but reliable and clean. Perfect pang-diversify. 🛒

Stock Price Review: Premiere Island Power REIT Corporation (PREIT) Weekly Chart as of July 11, 2025 – Buy or Sell Decision Using the Hybrid 10-Step Strategy

🔁 Upgraded Layered Accumulation Plan

(₱30,000.00 Capital | 1 Board Lot = 1,000 Shares)

Sa halip na isang bagsakang pasok, hati-hating layers para ma-manage ang risk. Maganda ito lalo na’t ang trend ay “waiting for bounce confirmation.” Heto ang bagong plano:

🔹 Layer 1 – Tactical Test Buy (₱2.25)
📦 2,000 shares × ₱2.25 = ₱4,500
🎯 Entry kung may green candle with bounce sa ₱2.20–₂.25 zone
🧠 Objective: Makapasok sa support zone, habang di pa nababasag ang trend

🔹 Layer 2 – Strategic Core Add (₱2.15)
📦 3,000 shares × ₱2.15 = ₱6,450
🎯 Add kung mag-hold ang 200-MA at makakita ng higher low
🧠 Objective: Palakasin ang position sa trend continuation zone

🔹 Layer 3 – Deep Value Buy (₱2.00)
📦 5,000 shares × ₱2.00 = ₱10,000
🎯 Add kung magkaroon ng deeper correction with volume-based recovery
🧠 Objective: Pang-salo sa undervalued zone, pero dapat may confirmation

🔹 Layer 4 – Breakout Add (₱2.35)
📦 3,000 shares × ₱2.35 = ₱7,050
🎯 Add kung mag-breakout above ₱2.33 na may strong green candle + volume
🧠 Objective: Sumabay sa momentum kung breakout confirmed

🔹 Layer 5 – Confirmation Layer (₱2.45)
📦 1,000 shares × ₱2.45 = ₱2,450
🎯 Add kung nagkaroon ng full trend reversal at nagtuloy pataas
🧠 Objective: Pangdagdag ng confidence sa confirmed uptrend

💰 Total Potential Capital Deployment: ₱30,450
(Adjustable – puwedeng huwag gamitin ang ibang layers kung walang confirmation)

📤 Upgraded Phased Exit Plan

Guided by breakout resistances at ₱2.50, ₱2.65, at ₱2.85.

🔸 Target 1 – ₱2.50 (Short-Term Resistance)
🎯 Trim 30% of total position
🧠 Objective: Take early profit sa unang bounce zone

🔸 Target 2 – ₱2.65 (Next Swing High)
🎯 Trim another 30%
🧠 Objective: Lock-in gains habang approaching possible ceiling

🔸 Target 3 – ₱2.85 (Overextension Zone or Breakout Rally)
🎯 Sell remaining 40%
🧠 Objective: Fully exit or trail stop if momentum continues

Optional:
📌 Trailing Stop Strategy – Gamitin kung lumagpas sa ₱2.85 at nag-trend na pataas (adjust using 5–7% buffer below weekly high closes)

🧠 Strategic Insight ni Batangueñong Trader

“Ang PREIT ay REIT play na puwedeng maging pang-dividendo at pang-growth combo. Pero hindi ito sapawan ng excitement—‘pag walang green candle, hintayin lang. Ang kapital ay parang tanim—‘wag basta ibuhos sa tigang. Patubuin mo lang kung umuulan ng signal.”

🏢 RCR (RL Commercial REIT) — ₱50,000

✔️ Backed by Robinsons Land
✔️ One of the most stable and widely held REITs
Strong financials, reputable management, and regular dividends. 💼

Stock Price Review: RL Commercial REIT, Inc. (RCR) Weekly Chart as of July 11, 2025 – Buy or Sell Decision Using the Hybrid 10-Step Strategy

✅ Upgraded Layered Accumulation Plan

Total Capital: ₱50,000
Board Lot: 100 shares (min. lot size)
Buy Zone: ₱7.00 to ₱6.50
Stop-Loss Level: ₱6.20 (structure break)
Strategy: Long-term hold with tactical averaging on support dips

Allocation Breakdown:

Buy 300 shares @ ₱7.00 = ₱2,100
🔸 Core Entry – Stable zone, near short-term support
Buy 400 shares @ ₱6.80 = ₱2,720
🔸 Core Continuation – Minor dip, inside support range
Buy 300 shares @ ₱6.65 = ₱1,995
🔸 Tactical Support Add – Touching 20-MA line
Buy 300 shares @ ₱6.50 = ₱1,950
🔸 Final Dip Add – Deeper pullback near 50-MA area

Total Shares: 1,300 shares
Total Cost: ₱8,765
Capital Used (Initial Layer): ~17.5% of total capital
🔁 Remaining Capital (₱41,235): Reserved for either:

Additional tranches at ₱6.30–₱6.20 (structural test zone), OR
Rebalancing/adds on breakout above ₱7.80

✅ Upgraded Phased Exit Plan

Sell Tranches to Lock in Gains + Retain for Yield

Partial Profit-Taking Levels:

Sell 300 shares @ ₱7.80 = ₱2,340
🟢 Recover base capital + lock in partial gains
Sell 300 shares @ ₱8.00 = ₱2,400
🟢 Next resistance target – harvest more profits
Sell 200 shares @ ₱8.20 = ₱1,640
🟢 Extended move – secure gains before volatility
Retain 500 shares
🟢 Hold for dividend yield and upside ride
📅 Monitor quarterly earnings, ex-dates, and breakout potential above ₱8.50

Exit Strategy Summary:

Lock in gains progressively near resistance bands.
Trail stop the remaining 500 shares once above ₱8.20 or ride it for long-term dividends.
If price breaks below ₱6.20, cut loss or reset accumulation based on new structure.

✅ Rationale

Bakit REITs at dividend-paying stocks?

✔️ Shariah-screened exposure to real estate and leasing
✔️ Predictable income stream for spiritual and financial resilience
✔️ Diversification across property types (green energy, office, retail, warehouse)
✔️ Ethical cashflow source for Muslims and conscious investors alike

This is for those who want income without guilt, earnings without interest, and rizq na tahimik.

💰 Suggested Capital Allocation

💚 CREIT – ₱50,000
🏙️ DDMPR – ₱30,000
📈 MREIT – ₱40,000
🛍️ PREIT – ₱30,000
🏢 RCR – ₱50,000

Balanced, diversified, and spiritually safe. We aim to receive dividends with peace of mind, not anxiety over haram exposure.

🌱 Final Reflection

Passive income isn’t just about money working for you.
Sa panahong mas pinapahalagahan na ang pinanggagalingan ng kita, masarap sa loob na alam mong:

“Ang tinatanggap mong kita ay hindi lang bunga ng diskarte, kundi may basbas ng prinsipyo.”

The Shariah-Compliant Dividend / REIT Portfolio is one of the most powerful proofs that
📉 investing doesn’t have to be greedy
📈 and income doesn’t have to be dirty.

Because truly—

"Subok ng Puso, Hindi Lang ng Strategy."

📌 Next in the Series:
Series #5 — ETHICAL TURNAROUND PICKS
Where we take a look at undervalued or struggling stocks with a path to redemption—as long as they pass the ethical screen.

Disclaimer: This post is for informational purposes only and should not be considered financial advice. Always do your own research before making any trading decisions.

Paalala lang: Ang post na ito ay para sa informational purposes only at hindi dapat ituring na financial advice. Laging siguraduhing gumawa ng sarili mong research bago pumasok sa kahit anong trade o investment.

✅ Subok ng Puso Series Recap — Tap to Explore the Whole Journey

🎯 7-Part Portfolio Series of a Muslim Retail Stock Trader. Combining Disciplined Strategy with Deep Conviction.

📌 Complete Line-Up:

Micro Stock Trader Blog

Ang Inyong Batangueñong Retail Stock Trader

BOARD LOT WARRIOR DASHBOARD

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Halal Core Growth Portfolio — Subok ng Puso Series #3

Micro Stock Trader Blog | ₱400,000 Allocation | Long-Term Halal Growth Picks

Series #3 of the Subok ng Puso, Hindi Lang ng Strategy series featuring the ₱400,000 Halal Core Growth Portfolio allocation to MONDE, URC, and WLCON.

📅 Petsa ng Paglalathala: July 24, 2025
🪙 Series #3 of 7 | Subok ng Puso, Hindi Lang ng Strategy Series