Singapore
Singapore
You worked years to be ready for a second property.
Before you lock that cash in — money you can't pull back out for years — see what the same money could do invested instead. Both numbers. Then you choose.
Example based on a S$1.5M second property — see yours below. Illustrative only — not guaranteed, capital is at risk, and any income or distributions may include return of your capital. Income shown is what the same sum could be set up to target from the start, not a fixed or guaranteed payout. A diversified-portfolio comparison — not a product, a forecast, or your result.
Illustrative model: property grown ~3.5%/yr, financed 45% LTV over 30 yrs; the same cash plus every mortgage dollar invested at an illustrative ~7%/yr; net of ABSD, stamp duties, ~93% occupancy, running costs, tax and selling fees; ~3-yr build with no rent. Income compares net rental against an illustrative distribution on the same sum. Not guaranteed · capital at risk · may include return of capital · not advice or a forecast.
About a minute · your figures, not a generic example
A second property used to be the obvious move. Three rule changes quietly broke the maths:
Prevailing IRAS rates for a second residential property; rates may change.
That's just what it costs to get in. The bigger question is what that same money could be worth — and pay you — instead.
Illustrative — based on prevailing IRAS rates for a second property (deposit + ABSD + stamp duties + legal); rates may change. Not advice.
On a S$1.5M property, over ~10 years — the same money, two ways.
Illustrative only — not guaranteed, capital is at risk, and any income or distributions may include return of your capital. Income shown is what the same sum could be set up to target from the start, not a fixed or guaranteed payout. Past performance is not indicative of future results. Not a forecast of your result.
Illustrative model: property grown ~3.5%/yr, financed 45% LTV over 30 yrs; the same cash plus every mortgage dollar invested at an illustrative ~7%/yr; net of ABSD, stamp duties, ~93% occupancy, running costs, tax and selling fees; ~3-yr build with no rent. Income compares net rental against an illustrative distribution on the same sum. Not guaranteed · capital at risk · may include return of capital · not advice or a forecast.
A bigger pot later, or income from the start? The right move depends on your goals — that's exactly what I help you work out.
Free · the year-by-year breakdown, both lenses, and what fits you
I help people weighing a big property decision see it clearly before they commit — both numbers side by side, the assumptions behind them, and what actually fits your goals. No script, no pressure. You make the call; my job is to make sure you can see the whole board first.
A bigger pot later, or income from the start? Which one's right depends on your goals — let's work it out together.
Map it out with me → Or message me on WhatsAppTo be fair to property — it's tangible, you can borrow against it, and for some it still fits. This isn't about crowning a winner. It's seeing both numbers before a decision you can't easily undo.