Wealth Creation

wealth creation
wealth preservation

Asset Acquiring Stage (Below Age 30)

We encourage younger people to own the right property as early as possible. Your age is your advantage. You have lesser financial commitments and also able to leverage on the bank to maximise the loan tenure for a lower monthly installment.

You can look at this as a forced savings to create your wealth. Alternatively, you can  look at this as an investment. A downpayment of 25% investment and let the rent pays for the installment while waiting for your investment to appreciate.

Property investing usually gives you higher appreciation, lower risk, especially in Singapore where land is scare.

Thus, we advise our client to adopt the right strategy and the right choice of property. This will help you to have an effective early start to wealth creation.

Parents can also adopt this strategy to help your children to have a early start. You can buy the property under Trust for your children below 21.

Wealth creation

Wealth Creation Stage (Age 30 - 55)

Using property as a investment tool to create more wealth by multiplying your assets. This will set a cosy path for your future retirement or legacy planning.

If you have missed your asset acquiring stage, it's not too late to start now.

If you are owning asset(s) now, you should re-evaluate whether :
1) Has your asset appreciate over time, depreciating over time or the prices have been stagnant for very long?
2) Is there any future growth plans in the surrounding region or neighbourhood?

If your asset is under-performing, you should consider other alternatives. Making use of your age to leverage on loan while still possible. There are many strategies such as De-couple ownership, Equity Term Loan, Pledge/Unpledge, Buying under Trust, Cash out and re-stratigise your roadmap and many more.

You can accumulate another asset as forced savings or as an investment. A downpayment of 25% investment and let the rent pays for the installment while waiting for your investment to appreciate to a targeted percentage. Repeat process again.

Property investing usually gives you higher appreciation, lower risk, especially in Singapore where land is scare.

Thus, we advise our client to adopt the right strategy and the right choice of property. This will help you to have an effective progress to wealth creation.

wealth accumlation

Wealth Preservation Stage (Above Age 55)

Your assets should be fully paid by now and generating income for your comfortable retirement and leaving a legacy to your children or loved ones.

Instead of leaving your extra money in the bank for a minimum interest, you may want to consider parking them into positive properties that can leave a legacy without burdening your loved ones. There are ways to unlock funds from your existing properties.

Re-evaluate your properties whether are they depreciating in value, are the rental after deducting maintainance cost still able to cover the installment? 

What are the wealth creation strategies that I can choose based on my current age?

Thus, we advise our client to adopt the right strategy and the right choice of property. This will help you to have an effective progress to wealth creation.