How Can Upgrading the Right Property Create Wealth for You?

Let Kenneth & Gilda help
ease your worries!

Kenneth & Gilda will advise you on the BEST and SAFEST ways to upgrade or grow your assets!

We hate pushiness too. Consultation is 100% non-obligatory!

My HDB is almost fully paid up!

WHY should I upgrade?

Mr and Mrs Teo used a total of $170k of CPF funds in their Punggol HDB apartment over 5 years. They were losing out almost $20k in interest earnings.

If they sold their HDB at the end of 5 years, they would have to return a total of $190k to CPF, including accrued interest. This means that they are losing $20k from their potential cash proceeds.

Hence, the total missed opportunity costs are $40k. Could they have avoided this loss?

Do you know that ALL your CPF funds are Locked Up in your HDB?!

Do you know that you are losing 2.5% interest which can be earned from your CPF funds

As such, you will lose potential accrued interest of 2.5% on the CPF funds used for your property

That’s a total of 5% Opportunity Cost every year!

Mr and Mrs Tan used a total of $291k of CPF funds in fully paid up Bedok 4-room HDB apartment over 38 years. To-date, they incurred almost $140k in accrued interest.

If they sell their HDB, they would have to return a total of $431k to CPF, including accrued interest. But the current value is only around $360k. In this case, there is a negative sale of their HDB. Not only they would not have any cash proceeds and they will also lose $71k of their hard-earned CPF funds as well as the interest. They also have to fork out own savings for agency commission and legal fees.

After going through the calculations with them, they said they wished they had met us earlier, sell their HDB and upgrade to another property with better potential upside.

How can you AVOID this situation?

With a minimum household income of $8k, our home owners have UPGRADED to private properties with ZERO cash from their savings.

Should I upgrade? Can I afford to upgrade? How can I upgrade?

When is the BEST time to cash out from your current property and upgrade?

Our clients with a monthly income of $6-7k had the same doubts and questions in the beginning. After consulting with us and going through our 3-“S” step-by-step detailed financial planning and guided asset progression, many have upgraded to private properties with a peace of mind!

Want to have a financially
worry-free secure ready future?

Arrange a non-obligatory session with us!

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I currently own a ...

Can I Really Upgrade from HDB to Condo?

Real Life Case Study | HDB

Mr and Mrs Teo, in their early 30s with young children, upgraded from 4-room HDB to 3-bedroom Condo with a balance fund of $100k.

Mr and Mrs Teo’s original plan was to sell their newly MOP flat and buy a resale 5-room HDB flat so that they can live near their parents.

We went through detailed financial calculations with them and presented them various options from resale HDB, Condo and New Launches. They discovered that it is possible to live near their parents, buy something they like and prepare for their retirement through property ALL AT THE SAME TIME!

What did they do? →

Finally, Mr and Mrs Teo decided to upgrade to a 3-bedroom Brand New Condo with full facilities for their young family to enjoy. In this way, they only used part of their sales proceeds as down-payment without touching their savings and even have a balance fund of $100k!

How did Mr & Mrs Teo achieve their dreams in the end? →

Now they can have a peace of mind, knowing that they have taken the First Step towards asset progression road map we planned for them to upgrade their lifestyle without adding any stress to their existing financial expenses.

You can be like Mr & Mrs Teo too!

Can I Really upgrade from EC to Condo?

Real Life Case Study | EC

Mr and Mrs Low, couple in their mid 30s with 3 young children, upgraded from a 3- bedroom EC to 4-bedroom Condo with $500k Cash Returns.

As their children will be going to Primary School next year, Mr and Mrs Low approached us to sell their EC in D18 Pasir Ris and help them to buy a property in D13 so that they can apply to the Primary school of their choice for their oldest son.

We sat down with them to understand their need and went through detailed financial calculations before presenting them the options they have. After that, they were very clear on how they want to proceed in this property upgrading journey.

What did they do? →

After selling their EC at a higher than expected price above their neighbours, we viewed both older resale and new condo in D13. Finally, they decided to upgrade to a brand new 4-bedroom Condo which is still under construction for the potential upside and minimal cash outlay due to progressive payment scheme.

In the meantime, they took advantage of the rental market in their favour and rented a premium penthouse apartment with fireworks views within 1km to the primary school they want to apply for their child.

See how they managed to upgrade their lifestyle! →

Now, they have successfully moved into their brand new 4-bedroom Condo with full facilities, commercial shops on ground floor and upgraded their lifestyle in a newer city fringe location! Their child also got into the school of their choice!

In this way, they leveraged on their sales proceeds from the EC they sold and capitalized on future potential upside for this current property and achieved their family objective at the same time.

You can be like Mr & Mrs Low too!

What's the next step for condo owners?

Real Life Case Study | Condo

Mr and Mrs Soh, in their 40s with a combined income of $14k, upgraded from 1 older Condo to 2 brand new Condo with recurring rental income.

Mr and Mrs Soh, in their 40s with a combined income of $14k, are owners of an old Freehold 3-bedroom Condo in D21 Hillview. They contacted us to purchase a brand new 4-bedroom Condo as their 3 children have grown up and needed more space. However they were concerned about ABSD on the 2nd property.

We presented options on how to overcome this problem. They followed our proposal and became proud owners of 2 properties without incurring ABSD!

See how they managed to own 2 Condos! →

After a few years, they decided to buy a property in town (Core Centre Region CCR). We helped them sell the older Freehold condo at the highest price transacted in the project. They were then able to free up their cash and bought a Brand new investment Condo in D11 purely from their sales proceeds, not just a 1-bedroom but a 3-bedroom Condo unit!

How did they transform their lifestyle? →

Their asset progression journey has transformed their lifestyle and improved their portfolio with better rental income and potential capital gains for the Soh family.

You can be like Mr & Mrs Soh too!

Can I retire comfortably?

Real Life Case Study | Landed

Mr and Mrs Ng, in their 60s, restructured their property asset from landed property to Condo with $2-million cash for retirement funds.

Mr and Mrs Ng are nearing their retirement in their 60s. They owned an intermediate terrace house in D19 for 28 years. As their children are all grown up and got married, they asked us to help them sell their landed property and downgrade to a smaller property so that they can retire comfortably with the cash proceeds.

What did they do? →

They have engaged more than 10 agents to help them sell for over a year but never gotten the price they wanted. After we managed to secure exclusive marketing rights, we marketed their property aggressively in various online and offline channels.

Within a month, we managed to secure the price they wanted for them. They are so happy with our service and results that they also asked us to assist in the purchase of their next property.

See how they managed to retire happily! →

We explored several location and condo with different property attributes for their retirement home. Finally, they chose to buy a Brand New 3-bedroom Condo fronting the river where they can retire happily with their grandchildren when the project is completed.

Meantime, they live near their children and enjoy the extra cash freed up from their sales proceeds. They told us they are enjoying life and travelling around the world without any worries! We are so honoured and happy to be part of their retirement journey!

You can be like Mr & Mrs Ng too!

With the right planning, upgrade and still have balance funds! Starting Today.

Time is money. While you wait to be “wealthier” or “older” before upgrading, you could be missing out on Opportunity Cost!

Stop delaying your upgrading plans. If you have any worries, discuss it with us instead!

How Can Upgrading the Right Property Create Wealth for You?

Let Kenneth & Gilda help
ease your worries!

My HDB is almost fully paid up!

WHY should I upgrade?

Do you know that ALL your CPF funds are Locked Up in your HDB?!

Do you know that you are losing 2.5% interest which can be earned from your CPF funds

As such, you will lose potential accrued interest of 2.5% on the CPF funds used for your property

That’s a total of 5% Opportunity Cost every year!

How can you AVOID this situation?

Want to have a financially
worry-free secure ready future?