Category archive - Investment Strategy

Housing Loan: CPF or Cash to repay our Mortgage?

Posted on Aug 10, 2015 in Articles, Investment Strategy by 0 Comments

Lock up

My personal view of ‘affordability’ is, ‘if you can’t pay it off in 5 years, then you can’t afford it.

We explore some factors to consider when deciding whether to use CPF monies for our mortgage repayment.  A popular question…

My property blog has always, and will always be written primarily for the private property market. As you might have known by now for my ardent readers, my personal opinion has always been that public housing is never considered a real investment no matter those arguments from “experts” even pigs can learn to fly.

But I hope to fill in “gaps” for readers who want to know more stuffs on Government Housing, i.e HDBs and ECs, and other property topics I do not cover in detail.

Email from Reader – Is Property dismal as an Investment Tool?

Posted on Jun 6, 2015 in Articles, Investment Strategy by 2 Comments

property investment strategy

Email from Reader:

Hi Gerald!

I am a subscriber of your blog and often read your contributions there! Frankly, you strike fear in my heart as a property agent when you share your views on how dismal is the property market as an investment tool. I genuinely want to advise my clients correctly what is the best way to utilise their funds in a property as an investment.

May i ask- if you find property as such a poor choice for investment, what would you suggest otherwise? Putting your hardearned cash in the banks and to have it eroded by inflation is surely a poor alternative and one that likely that even lax investors would try to avoid. Would appreciate your sharing of insight. Hope to hear from you soon! Much thanks!

The Truth about Visualization and Wealth Building

Posted on Jan 19, 2015 in Articles, Fundamentals Of Real Estate, Investment Strategy by 1 Comment

Everyone and their grandma loves to talk about the importance of visualization in wealth building. One of the most famous quotes heard in motivational wealth videos is: ‘If the mind can conceive it, the body can achieve it’. Similar thoughts seem to be quite popular these days when people are convinced that positive thinking is all you need to progress forward.

This ideology is part of the so-called New Age movement which consists of people big on visualization and the so-called law of attraction. Today, it’s popular to believe that anything can be achieved, if you have positive attitude. The more positive your thoughts are, the more positive things you attract in your life.  This is, of course, a scam thinking and has only one goal – to take your money by promising you easy success.

Capital Gains – The Singapore Property Wealth Trap

Posted on Jul 19, 2013 in Articles, Investment Strategy, Property Investors by 4 Comments

 Is Capital Gains the Singapore Property Wealth Trap?
We can see many dream-to-become-millionaire property investors on the streets. It’s interesting to see how dreamers of ‘The Next Singapore Property Millionaire’, behave like the hilarious first round participants of ‘The Next Singapore Idol’ contest who are thick-skinned enough to believe they have ‘it’.

My late multimillionaire grandfather said, “The Rich makes money with control, while dreamers always make money on hope… and hope is their only saviour.”

How Successful Property Investors Think

Posted on Mar 3, 2013 in Articles, Investment Strategy by 0 Comments

 

I recently ran across this book titled How Rich People Think by Steve Siebold.  I was immediately struck by the similarities between thoughts & actions of the “World Class” investor and the “Middle Class” investor.

In the book, Steve listed 21 ways how the wealthy think differently from average people, and he divides people between “World Class” and “Middle Class” thinkers. In the interest of sensitivity, I will call the 2 investor groups the 99% and the 1%.

I’ll list 9 out of his 21 Rules here (I’m sure you’ll have the decency to go read the book and educate yourself on the rest) and briefly explain the similarities on some of the rules in the arena of property investment.