Clive Chng

Clive graduated on the Dean’s list from Nanyang Technological University with an Engineering degree. Prior to joining Redbrick, he not only served as a Project Manager for Keppel Shipyard where he oversaw multi-million dollar marine projects, but was also the Vice President for Keppel Young Leaders, focused on the development of future leaders. Being a fan of low-cost Index Funds, his passion in Investing and strong interest in understanding how financial markets shape economies ultimately fuelled his move from the field of engineering into the financial industry where his personality trait as a servant leader further allows him to service his clients effectively.

Consider These 4 Factors Before Deciding On An HDB Loan Or Bank Loan

Deciding between taking up a HDB loan or a bank loan is no different from an expensive game of preferences: besides just choosing which is the cheaper option, there are other considerations that you might want to look into as well. Here are some of the main differences that you might wish to consider when comparing the two loans: Down payment Interest rates Possibility of loan refinancing Penalties: i.e.: Prepayment and late payment penalties Before we launch into the comparisons,

Clive Chng March 15, 2019

REITs – Here’s why you should invest in them

Real estate has always been a popular vehicle of investment, well known for its extremely resilient nature. However, people generally are put off by the high prices of acquiring a real estate asset. The benefits of investing in real estate are often a key factor for first-time homeowners; however, the high down payments can be a daunting task to climb. Simultaneously, the same holds true for those seeking to own a rental property as a consistent income stream. Nevertheless, there’s

Clive Chng March 8, 2019

How to spot excellent rental opportunities as a tenant

If you have been following up with Singapore’s property markets over the past year, there has been mainly one specific trend: recovery. Singapore’s recovery across the various markets, and particularly the office and residential markets has been phenomenal. Notwithstanding that, the retail market is still in a slump, although this presents an excellent opportunity for tenants to jump in due to the low rents. All-in-all, this is a great opportunity should you be looking for rental opportunities throughout the sectors.

Clive Chng February 8, 2019

How to make moving houses quick and fuss free

After going through the process of finding and finally getting enough finances to buy your next dream home, moving houses may be the next stressful task on your agenda. It may be hard to resist procrastinating, but you don’t want be running about the house at 3am before the big day, with half-filled carton boxes still spread around your house like a minefield! Want to make moving house as easy as possible? Here are some tips to make moving house

Clive Chng January 11, 2019

4 major challenges faced when investing overseas

With no sign that the Singapore government is going to do away with cooling measures, many investors might be looking overseas for good investment opportunities. Many marketers are also holding regular overseas property seminars to generate interest among Singaporean investors. But before you jump on the bandwagon and decide on committing your money on overseas properties, here are some risks you should be aware of. Foreign language and culture Linguistic Challenges Firstly, the most important factor is of course the

Clive Chng December 14, 2018

Real Estate Investment Trusts (REITs): What are they and how you can find the best REITs in Singapore

Want to expand your portfolio and invest in other asset classes such as the Real Estate Investment Trusts (REITs)? By investing in a variety of asset classes, a diversified portfolio not only helps you to reduce risk and volatility, but also to gain access to potentially higher returns. In this article, we will provide an overview of REITs as well as some of the key metrics that you can use to evaluate and select the best REITs to invest in.

Clive Chng November 23, 2018

9 platforms you can search for real estate-related secondary data

Many a time, home purchasers face the choice between buying Property X, Property Y, or even Property Z. Being able to obtain the most updated information from reliable platform(s) and make an educated, well-informed decision is paramount to buyers. How many of us can confidently choose between 23456 varieties of housing options that are listed online or launched recently? Besides various news articles and web content that will allow you to gain insights into the past historical performance as well

Clive Chng October 12, 2018

How much must you earn to afford a property in Singapore?

Currently, 9 out of 10 residents already own their homes and the trend is anticipated to continue. However, buying a home is never easy – especially when Singapore is one of the places in the world with exorbitant property prices. The costs you will have to bear for your first property acquisition will further skyrocket if you are contemplating on buying a private property in Singapore. Apart from being costlier than public housing, prices of private properties have risen by

Clive Chng September 11, 2018

What is the importance of share value?

For current as well as prospective owners/subsidiary proprietors (SPs) of condominiums (or any other strata titled properties), it is important to understand the concept of share value of their property. Taking into consideration the fact that condominiums are generally strata-titled developments, the concept of share value is one that will be utilized for a wide array of outcomes and administrative issues. This article aims to provide a brief explanation of the aforesaid issue. In order for a condominium’s Management Corporation

Clive Chng August 29, 2018

Real estate crowdfunding: 3 things to know before you invest

What is crowdfunding? Crowdfunding offers a platform for start-ups and budding entrepreneurs to raise funds. Business ventures are, as the name suggests, funded by a crowd of people over the internet. A well-known example of a crowdfunding platform would be American-based Kickstarter, which focuses largely on creative projects. A number of companies crowdfunded on Kickstarter eventually became extremely successful, such as Oculus VR, (the company which specialises in virtual reality, and produces those virtual reality headsets for video gaming) which

Clive Chng July 26, 2018