Should I Put My Money in Properties? Debating Stocks, Bonds & Real Estate for Wealth Growth
Should you put your money in stocks, bonds, or real estate?
There’s no shortage of advice online. Some say stocks give the highest returns. Others say bonds are safer. But at David & Audrie Properties, we believe in evaluating every investment using our W.A.T.E.R. concept: Wealth Accumulation Towards Early Retirement.
Let’s debate which one actually works best for long-term wealth building.
1. Profitability – What Pays You More Over Time?
But property has an edge:
• Leverage: Own a $1M asset with just 20–25% down
• Rental income + capital growth
• No capital gains tax in Singapore
2. Risk – What Can You Afford to Lose?
Property = controllable risk:
• Rent out your unit
• Refinance when rates drop
• Hedge with insurance
3. Income & Sustainability – What Supports Retirement?
Why property wins:
• Generates monthly income
• Rents rise with inflation
• You never “run out” of property like a sold stock
4. Visual: Returns Comparison
5. Verdict: Should You Put Money Into Property?
Yes—if you have a strategy.
Real estate may not “moon” like a stock, but it builds leveraged, inflation-resistant income over time—something every early retirement plan needs.
And through our W.A.T.E.R. concept, we help you:
• Identify right-entry properties
• Structure your portfolio
• Build rental income to retire on
The Real Estate Couple for Couples
Helping You Build Wealth the Smart Way