With an Income of $6K Onwards (combined), Many HDB Owners Have UPGRADE and Create Asset Wealth With Private Property While Still Keeping Most of Their Cash Savings
FREE Latest Private House Listings To Help You Upgrade
Have you ever asked yourself...
Am I really able to upgrade?
Am I earning enough to afford it?
Is upgrading only for the rich?
Many Clients earning S$6,000 monthly salaries and More have come to me with the same concerns. However, with our careful financial planning and step-by-step Asset Progression Strategies, they have since upgraded comfortably and are clear about their investment road map for the next 5 to 10 years.
Can you also be like them?
They are one step closer to achieving the lifestyle of their dreams.
TAKE ACTION NOW FOR A FINANCIALLY FREE FUTURE
Let's meet up for a completely FREE and NON-OBLIGATORY sharing session TODAY.
ARRANGE FOR A FREE DISCUSSION NOW
IN OUR SHARING SESSION,
I WILL PROVIDE YOU WITH:
An in-depth analysis to allow you to understand your financial position
A detailed financial calculation process, including additional costs like stamp duty, cash outlay, CPF payment, legal fees, etc.
A proven analysis method to filter out the myriad of choices in the property market in order to determine the right property for you.
How a Conservative & Achievable asset progression plan can help you to accumulate wealth much faster.
A mid to long term strategy to achieve Huge potential upside from your properties.
The TOP 3 questions you NEED TO ask before investing in any property.
Real Life cases that we can Learn from.
Real Life Examples
Case Study #1 - HDB
Mr and Mrs Pang, both 34 years old, were owners of a 4 room HDB flat that just achieved MOP status. They planned to engage me to sell their HDB flat and tobuy a resale HDB Executive Maisonette.
But after some detailed financial calculations, they learnt that there was a better way to grow their wealth and plan for their retirement.
They have since upgraded to a private Condominium without using any of their savings, and even have a CASH reserve of S$100,000! With a clear asset progression road map, they are even thinking of investing in a second property in 2020.
Previous: 4-room HDB flat
Wanted: HDB Exec Maisonette
3-bedroom Condominium + balance of S$100k Cash
Mr & Mrs Pang
34 years old
Case Study #2 -
Our clients, Peter and Annie, both with a combined income of S$15k, sought my advice for selling their older 2-bedroom condominium and buying a newer 3-bedroom condominium.
However, after analyzing their financials, I realized that they could achieve more than that. Today, they own a 3-bedroom condominium apartment AND a 1-bedroom apartment with a balance of S$150k cash.
In fact, they are now paying lesser than they would have if they had just upgraded from a 2 bedder to a 3 bedder condominium, due to the passive income derived from rental!
Peter & Annie
Combined income of S$15k
Previous: 2-room condo
Wanted: 3-room condo
3-room condo +
1-room condo (rent) + Balance of S$150k Cash
BUT I HAVE ALMOST FULLY PAID OFF MY HDB,
WHY SHOULD I UPGRADE?
If you are like most Singapore HDB Owners today, you are probably servicing your HDB flat using your CPF funds.
You might be thinking that it is wise to pay off the loan as soon as possible to lower your monthly mortgage.
However, this may be an action that can affect your future financial goals in the NEXT 5 to 10 YEARS!
You need to know how to use your CPF
CORRECTLY and EFFICIENTLY!
LOCKING AWAY ALL YOUR CPF IN YOUR HDB IS EATING AWAY YOUR WEALTH
With all or most of your CPF stuck in your HDB flat, you lose:
1. The 2.5% interest you can earn from leaving it inside your CPF account,
2. The accrued interest of 2.5% to pay back when you eventually sell your flat.
That is 5% TAKEN AWAY from you, year after year.
For example, if S$200,000 worth of CPF funds is put into your HDB, at the end of 5 years, you lose S$26,600 in interest earnings.
Selling your HDB at the end of 5 years, you would have to return S$226,600 to CPF, which is S$26,600 less cash from your property sales proceeds.
Your Potential Loss = S$53,200!!
WITH A GUIDED ACTION PLAN AND PROVEN ASSET PROGRESSION STRATEGIES, YOU CAN:
#1 ELEVATE you and your family to financial freedom
#2 GROW your asset portfolio through STABLE property investment plans
#3 GENERATE passive income with minimal to zero extra financial commitment
#4 MAINTAIN a healthy amount of cash reserve funds for emergencies
#5 RETIRE early with a secure safety net
Seize this opportunity and you will find
yourself getting closer to the lifestyle
you have always dreamt of.
Hi, I'm Edison Lian 连国雄
As a real estate consultant, I strive to assist my clients achieve financial freedom and wealth growth through asset progression.
With careful asset planning and implementing sound home-ownership progression strategies, anyone can enjoy a life of abundance and stability.