Investment Property Portfolio
Well Done!
You’ve just made the decision to give yourself greater financial choices later in life!
As you may have already known, at age 22 I made the commitment to give myself better financial choices for my later years in life (which is now). When i was 30 years old, I had 2 properties in my property portfolio. Call it a blessing, that the opportunity came to me during my early years and that I was wise enough to make the decision to commit to my retirement years through property investment.
In the first 20 years of my real estate journey, I realised that not many Singaporeans have planned for their retirement and not many know the concept of creating wealth. Investing in property was once only attainable by the affluent, but this isn’t the case today. I personally believe with full of conviction that most if not all of us can enjoy financial freedom, or the freedom to make any kind of financial decision if we are prudent with our money and make the right decisions especially with property investment.
Upgrade from a Executive Condominium to a brand new cluster landed with an additional 1 bedroom apartment for investment
Despite a negative sale, upgrade from a HDB flat to a 2 Bedroom Condominium with just $25,000
Upgrade from a 4-room BTO flat to a Condominium with $0 cash outlay
Why Property?
Property, real estate, or assets – whatever technical term that you may like to call it, it is a roof over your head, a home if you choose it to be. Singapore boasts the highest levels of home ownership across the world, and we are blessed to be provided with a framework where we can easily have a roof over our heads we call home today, While your home provides you shelter, a place for your family and loved ones, it too is an asset class of investment on its own – but only if you choose it to be.
Like many of my clients, we started off our home ownership or property investment plans with our government public housing – HDB flats. With proper planning, prudence, commitment and many blessings, most of us have private properties in our portfolios. Looking at the success rate of these stories that I’ve come to live with, I am grateful that I started this journey early and I hope to share this with as many people as possible.
Upgrade from a HDB flat to a condominium without new money and with an excess of $130K in cash
Upgrade from a 4-room HDB flat to a 3 bedroom condominium with an additional freehold 1 bedroom condominium for investment, with no ABSD or additional cash outlay
How to Get Started?
There are 6 important concepts that you have to understand;
Sustainable Returns
Wealth is attained over time and can only be retained if done sustainably. Real estate, or your home is naturally an investment vehicle among all asset classes.
Risk Appetite
Singapore’s home prices are generally on an upward trend, but not all properties are good properties. It is important to understand your risk tolerance level.
Liquidity / Low Cash Outlay
When making purchase of your property, deposit can range from up to 20% – have you heard of moving from public housing to a private property without putting out extra cash.
Leveraging
Let your money work for you. We have one of the most robust banking systems in the world. Find out how to create wealth without the extra effort.
Value Investments
Everyone loves a good bargain at the supermarket. Do you know how to spot a good bargain when it comes to undervalued properties that promise higher returns in the future?
Exit Strategy
Put all sentiment aside, and let go, sell your property when the time is right.