Are stocks and bonds more profitable than property? We break down the risks, returns, and long-term value of each—and explain how real estate can help you retire earlier with the W.A.T.E.R. concept.

Shermain and Kenneth are no strangers to strategic property moves.

Like many Singaporean couples, they started with a BTO. Years later, they upgraded to an Executive Condominium (EC) in the North — a decision that rewarded them handsomely when their property appreciated in value.

When their EC reached MOP, and their income had taken a significant leap, they came to us with what seemed like the natural next step:

"We want to sell our EC and upgrade to a landed."

They had their eyes on a cluster house — more space, privacy, and landed living, without the hassle of maintaining a garden. It felt like the perfect solution.

But during our conversation, something unexpected came up.

It’s comforting to own a fully paid HDB—but is staying in it for the next 30 years truly the best use of your asset? In this post, David & Audrie dive into the real cost of staying put, the opportunity you might be missing, and how a fully paid flat could unlock greater financial freedom with the right strategy.

At 35 years old, with two toddlers and a fully-paid-up EC that met its MOP two years ago, this young couple seemed to be in a great place — stable home, stable income, and a combined monthly salary of $25,000.

But like many couples, they were at a crossroads..

Everyone is upgrading to a condo — we should do it too.

It is a common thought, especially when social media is filled with posts of beautiful showflat, sky pools, and brand new keys in hand. the dream of private property living is strong — and understandably so. Who wouldn’t want lifestyle facilities, greater prestige. and the promise of capital appreciation?

Johnny had done everything right… at first. From the age of 23, he worked hard, scrimped, and saved. For ten solid years, he put away every spare dollar, sacrificing holidays, gadgets, and nights out. At 33, in 2020, he hwas finally ready to make his first private property purchase..