
HDB HOMEOWNERS OFTEN WONDER...



Can I afford to upgrade from my HDB with my current financial earnings?
Will upgrading negatively impact my current lifestyle?
Will upgrading require me to spend most or all of my savings?

Many of our clients have approached us with the same concerns that were holding them back!
However, through a detailed Financial Calculation & Step-By-Step Property Wealth Planning Strategies, they have since UPGRADED comfortably with a clearer investment mapped out for the next 5 to 10 years!
CASE STUDY 1


Jie Xiong and Charlene with a combined income of $8,500 owned a 4 room BTO flat in Yio Chu Kang.
They wanted to improve their asset portfolio in an effort to pave for their future retirement and daughter's education.
However, they were unfamiliar with real estate investment, hence did not know how to start.

During a sharing session to better understand their goals, we went through a detailed financial calculation to determine their financial standing.

Their BTO flat was sold within a month of listing, which also allowed them to enjoy a reserve cash fund of $210K!

With the profits, Jie Xiong and Charlene managed to upgrade to a 3 bedder new launch condominium!

This was all done without touching their hard-earned savings!
CASE STUDY 2


Mr and Mrs Liew with their growing family in mind, had plans to move to a bigger resale HDB.
They intended to to sell their current 4 room HDB and top up the remaining balance using their savings.

During a sharing session to understand their goals, we went through a detailed financial calculation to determine their financial standing.

Heeding our advice, they instead moved into a good-sized 3 bedder condominium that was family-friendly.

They even managed to invest in a smaller property for monthly passive rental income.

This was not only done without extra cash outlay, but they were also able to maintain the same monthly mortgage loan.

TAKEAWAYS FROM JUST A SHARING SESSION WITH ME


A detailed financial calculation to understand your financial standing.

A meticulous explanation and 4-step calculation of related costs involved such as legal fees and cash outlay.

How you can achieve huge potential upside from your properties with real life case studies!

An achievable Property Wealth Plan to help you to unlock funds in the form of spare cash or even more than 1 property.

A far-sighted roadmap that will allow you to retire earlier and more comfortably.
HOLD ON! SHOULD YOU STILL UPGRADE IF YOU HAVE ALMOST FULLY PAID OFF YOUR FLAT?


Like most Singapore HDB owners, you are probably servicing your HDB flat loan using CPF.
Locking away all your CPF in your HDB has an adverse effect on your asset portfolio!



With all or most of your CPF trapped in your HDB, you are at risk to:
The 2.5% interest you could have earned if you have left it in your CPF!
The 2.5% accrued interest to pay back when you eventually sell!
That is 5% opportunity costs you are losing each and every year! In dollar terms, for every $200K locked up in your property, you would have LOST $53,200 of your money in a matter of 5 years.

With PROVEN Property Wealth Planning Strategies & A GUIDED Action Plan, you can...

ELEVATE you and your family to financial freedom.
1

GENERATE passive income with minimal to zero extra financial commitment.
2

GROW your asset portfolio through STABLE property investment plans.
3

MAINTAIN healthy amount of cash reserve funds for rainy days.
4

RETIRE earlier with a secure safety net.
5