Wealth Creation using Real Estate as an investment vehicle

Starting point, you could have started from a BTO flat, or an Executive Condominium, or do not own any property at the moment, it's alright. Most importantly, know the concept. Buy appreciating assets when you're young and have strong and stable income. when gains are slowing down or stagnant, change to a faster appreciating asset. *Repeat above steps. Until you are of retirement age, cash out partially or fully, and get a right sized unit to live out your retirement phase in the lifestyle that you choose.

π‘Ίπ’π’Žπ’†π’π’π’†β€™π’” π’”π’Šπ’•π’•π’Šπ’π’ˆ π’Šπ’ 𝒕𝒉𝒆 𝒔𝒉𝒂𝒅𝒆

π’•π’π’…π’‚π’š 𝒃𝒆𝒄𝒂𝒖𝒔𝒆 π’”π’π’Žπ’†π’π’π’†

𝒑𝒍𝒂𝒏𝒕𝒆𝒅 𝒂 𝒕𝒓𝒆𝒆 𝒂 π’π’π’π’ˆ π’•π’Šπ’Žπ’† π’‚π’ˆπ’

- Warren Buffet

Remember, you have a choice in your retirement if you do it right, years in advance. 




Ben (36) & Celine (37) combined income $9K


Initial Plan :

- Sell their 4 room BTO flat in Fernvale to purchase a bigger resale 5 room HDB in Bishan


After a consultation with Andy:

- Purchase a 3 bedroom Condo without touching their CASH savings

- Maintain a healthy CASH reserve of $110K

- On route to their purchase of a 2nd private property in coming years



John Tan (43) & Jennifer Lee (38) combined income $15K


Initial Plan :

- Sell their 4 room HDB in Woodlands and buy an Executive Condo


After a consultation with Andy:

- Purchase a 3 bedroom Condo for own stay & an additional 1 bedroom Condo for investment without touching their CASH savings

- Maintain a healthy CASH reserve of $140K

- Obtain passive income from rental of 1 bedroom Condo



Every household is unique in their very own situation.

What may work out for others may not work out for you.



For this asset progression journey to work, I will have to assess your situation.

Then, deploy suitable strategies to help you on your journey.

Proper Planning is absolute key for long-term property investment plan


With proper planning and proven strategies, you will be able to :

1) Have a clear financial analysis to understand your cash proceeds, cash outlay, cpf available etc

2) Know how to let your property generate passive income for you

3) Know how to leverage on the market situation and assets to plan for an early retirement

4) Have a clearer picture on if you should keep or sell your existing property. Most importantly when to sell.

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I will get back to you soonest possible!