HOME OWNERS

DO YOU KNOW WITH AN INCOME OF $7k ONWARDS YOU CAN UPGRADE TO PRIVATE PROPERTIES BUT NOT USING ANY EXTRA FUNDS ?

LET US SHOW YOU HOW YOU CAN DO IT
WITH THE RIGHT KNOWLEDGE & PROVEN STRATEGIES
You Can Achieve And Start Your Assets Progression For Your Retirement Funds & Luxurious Lifestyle

Have you ever asked yourself :

   
  • Am I really able to upgrade?
  • Am I earning enough to afford it?
  • Is upgrading only for the rich?

    It is possible to upgrade in a safe & stress free manner by having right plans & strategies.

    Many clients earning $7k to $8k income have similar dream. With our detailed financial planning & step by step Asset Progression strategies, they have upgraded comfortably without overstretching their finances.
    With The Right Strategies Our Clients Have :

    Upgraded to a condo and their lifestyle has improved too.


    Own 2 properties and getting monthly passive income.


    Created a pool of reserve funds.

     
    YOU CAN DO IT TOO

    FIND OUT HOW YOU CAN :

       
  • UPGRADE TO A BIGGER HOUSE & NOT USING ANY EXTRA FUNDS
  • OWN MULTIPLE PROPERTIES.
  • GENERATE PASSIVE INCOME THROUGH RENTAL
    Click here for a free sharing session
    CASE STUDY
     

    Mr & Mrs Lim, both 35 years old, were owners of a 4 room HDB flat. Their plan was to pay fully for their property or upgrade to a maisonette.


    But after doing detailed calculations & explaining different options to them, they had learnt better way of managing their money withour STRATEGIES.


    With our ASSET PROGRESSION STRATEGIES, they could :


    - Upgrade to a condo and get another property for investment


    - Have extra funds for their own use after this process.


    They have since upgraded to a Condominium without touching any of their savings, and even have a CASH reserve of $130,000, with our meticulous calculations & conservative planning.

     

    Let’s meet for a NO-OBLIGATION & FREE sharing session and we would show you how!

    Click here for a free sharing session
    You May Be Thinking That, You Have Almost Fully Paid Off Your HDB, Why Should You Upgrade?
    YOUR WEALTH IS BEING EATEN AWAY MONTH AFTER MONTH WHEN MORE & MORE OF YOUR CPF IS BEING LOCKED IN YOUR HDB
     

    With most or all of your CPF channelled into your HDB flat, you lose


    1 - The 2.5% interest you could have earned if you had left it inside CPF


    2 - The accrued interest of 2.5% be returned to CPF when you sell eventually


    That is total of 5% TAKEN AWAY from you, year after year.

    For example, if $250,000 worth of CPF funds is used to pay for your HDB, at the end of 5 years, you lose $32,850 in interest earnings at the end of 5 years.


    Selling your HDB at the end of 5 years, you would need to return $282,850 to CPF, which is $32,850 less cash from the sales proceed of your property.

    In Total, Your Loss = $65,700!!
     

    DID WE MENTIONED THE 2.6% INTEREST YOU PAY EVERY YEAR FOR YOUR HDB LOAN?


    So how can you escape from this TIME BOMB? Let’s meet up for a non- obligatory session with us to find out!


    Let's say you are thinking of upgrading your property to a $500k HDB or a $1mil condo
     

    Which Do You Think Works Better For You?


    You may be thinking that if you were to purchase the condo, you would need to give a higher cash outlay and monthly mortgage


    This is what Mr & Mrs Lim thought too

    Real estate is crucial to a person's retirement plan.


    Mr and Mrs Lim 35 years old. In 30 years time, they would reach the retirement age of 65 years old.


    The average age of Life Expectancy in Singapore is at 85 years old which means they would expect to live for 20 years after retiring.


    Let's say they spend only $3,000 a month,


    $3,000 X 20 years = $720,000


    They would need $720,000 to retire on $3,000 a month

    Let's say they want to sell their property and downgrade to a $300k HDB flat for retirement


    If they had purchased and upgraded to a $500k HDB


    They would have a $500k HDB flat that is fully paid.


    After selling the $500k HDB and moving over to the $300k HDB, they would get back $200k


    Based on a monthly $3,000 spending, they would have used this $200k in 6 years.

    BUT

    If they had purchase and upgraded to the $1mil Condo


    They would have a $1mil Condo that is fully paid.


    After selling the $1mil Condo and moving over to the $300k HDB, they would get back $700k


    Based on a monthly spending of $3,000, this $700k can last them for 20 years.

     
    IF YOU ARE THINKING OF STAYING PUT
    You may have to return your flat to the state when the 99 year lease is up
    If You Are Looking To Sell, You Would Have :
     
  • Lesser cash proceeds due to CPF accrued interest
  • Your buyers are only limited to citizens and PRs
  • Competing with new and upcoming BTO flats
     
    A GREAT OPPORTUNITY IS AT YOUR DOORSTEP RIGHT NOW
    With our validated strategies, you can UPGRADE and let your property work for you instead of you working for your property
    Meet us for a FREE & NON-OBLIGATORY sharing session for more info.
    Click here for a free sharing session
    Our step-by-step asset progression strategies are easy to utilized for you to achieve your financial goals easier

    What You Can Expect From The Sharing Session :

       
  • How you can increase your income
  • How you can restructure your real estate portfolio.
  • How you can upgrade to private without using your savings
  • How you can give your family a luxurious lifestyle while planning a better future.
  • How our STRATEGIES can generate extra funds for you and get you upgrade to a private
  • How to spot UNDERVALUE Properties
    Click Here For A FREE Sharing Session

    Is your HDB Liability or Asset?

    We Would Provide You :

       
  • An in-depth analysis to allow you to understand your financial position
  • A 4-step financial calculation processincluding additional costs like legal fees, cash outlay, stamp duty, etc.
  • The 4 "R" analysis methodto filter through the many options in the property market and determine the right property for you
  • A CONSERVATIVE & ACHIEVABLE asset progression plan, allowing you to accumulate wealth earlier.
  • How our STRATEGIES can generate extra funds for you and get you upgrade to a private
  • A property investment “roadmap” in planned phases
  • How you can achieve HUGE potential upside from your properties and retire earlier
  • The TOP 3 questions you NEED TO ask before investing in any property
  • Insights and results from REAL LIFE cases
    Click Here For A FREE Sharing Session
    WITH OUR PROVEN ASSET PROGRESSION STRATEGIES, YOU CAN :
       
  • GAIN financial freedom for you and your family
  • GROW your asset portfolio using property investment plans.
  • GENERATE passive income.
  • MAINTAIN reserve funds.
  • RETIRE with more extra funds.
    About Gerard & Millie

    We are Gerard and Millie - Husband and Wife team.


    Like many of you, our first home was a BTO. We sold our 7 year old HDB in 2018, and embarked our journey on asset progression, working towards our retirement. Find out from us how we made our BTO work harder for us, our future. If you are still holding to a HDB, find out from us whether you should continue to hold or let go? What are your options with risk assessment?


    We are in this real estate industry since 2010, and have assisted many clients to achieve their goals. Some units were sold at record price within 1 hour, some within 3 weeks.


    Talk to us today for a non obligated discussion for more info.

    Click Here For A FREE Sharing Session
    A SINGAPOREAN DREAM
    OUR HAPPY CLIENTS
     
     
     
     
     
     
    OUR CLIENTS TESTIMONIALS
     
     
     
     
     
    Click here for a free sharing session
    Take The First Step To Gain Your Assets Progression
     

    If you have bought your HDB before 2013, and have a combine income of $7k or more,


    We have a STRATEGY that you can use to upgrade to condo and GAIN EXTRA FUNDS FOR SAVINGS


    Interested to know more info?


    Register for a free discussion with us to know how you can do it.

    Benefit from this FREE & NON-OBLIGATORY Sharing Today!
    * denotes compulsory fields and acceptance of privacy policy
    In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.
    OR
    WHATSAPP
    M
    LEARN HOW YOU CAN GAIN FROM THIS FREE & NON-OBLIGATORY MEET UP SESSION
    Click Here For A FREE Sharing Session