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Ageing HDB Leases: How worried should Singaporeans be?

The Singapore government has always advocated that Housing Development Board (HDB) flats are not only good homes for Singaporeans but also a “nest-egg”, whereby older Singaporeans can monetize their flats to obtain a sizeable sum for their retirement. For the most part, Singaporeans have whole-heartedly accepted this sentiment. This has resulted in Singapore having some

Here’s why you should start diversifying your portfolio

Diversification is the process of spreading your investments around to more than one type of assets. Essentially, it is to “place your eggs into different baskets”. This practice has one important role in your investment strategy: to reduce risk. We all know it is a good thing to have, but how do we diversify our

Million-dollar Resale HDBs: Why They Are So Popular?

In the past, million-dollar HDB transactions used to only occur once in a blue moon; however, it is slowly becoming a norm in the resale transaction market in recent years. Though the majority of the million-dollar transactions were non-standard flats such as Design, Build and Sell Scheme (DBSS) flats, over the past 2 years, more

BTO vs Resale: Which is the ideal home choice for you?

Choosing the ideal home can be really challenging and daunting. Having to make such important and expensive decisions, the stakes are high for you and your family. However, we are here to help you with one of life’s greatest milestones. In recent years, the Housing Development Board (HDB) has been launching several new projects all

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

Why are prices of resale HDBs not increasing despite spike in transactions?

If you have been keeping a close watch on the resale transaction market, you will have noticed that between April and June this year, the number of resale applications rose by 29.8% from 4835 to 6276. The figure this year was also 5.6% higher than the resale transaction in the second quarter of 2018. However,

Mature VS Non-Mature Estates: Which one trumps the other?

The maturity of an estate is often one of the key factors that people take into account when they are purchasing a property but many of you may also ask how mature an estate must be to be considered as a mature estate. Typically, an estate that has been around for more than 20 years

REITs: What are they, and how do they differ from Property Stocks?

What are REITs? Real Estate Investment Trusts (REITs) are companies that own and operate a portfolio of income-producing real estate. In 2002, the first REIT CapitaLand Mall Trust was listed on the Singapore stock market. It remained the only REIT on the Straits Times Index (STI) all the way until 2014 when Ascendas REIT joined

Is my property an asset or a liability?

“The poor and the middle-class work for money. The rich have money work for them.” – Robert T. Kiyosaki, Rich Dad, Poor Dad Robert T. Kiyosaki, in his book Rich Dad, Poor Dad, emphasized the importance of owning more assets than liabilities, if one should truly aspire for financial independence (or getting out of the “Rat

Freehold VS Leasehold Properties: An analysis

There have been many discussions out there about whether leasehold or freehold is a better option. However, is the lease of the property enough to determine whether or not it is a good property? To a certain extent, the lease status does play a part in it, but of course, there are many other factors