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Dear HDB Owners,
Do You Know That You Are Sitting On A Gold Mine That Can Unlock An Early Retirement With Passive Income?
With just a household income of $7K and upwards, many homeowners have UPGRADED to private properties without touching their savings.
Those with $10K household income and upwards have even started owning PASSIVE INCOME generating investment properties.
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Would you like to join them?
Have you ever wondered?
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When you can upgrade?
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How much income you need to afford it?
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If upgrading is only for the rich?
What if i tell you that you are not alone?
Many HDB owners earning $7K and above have approached me before with similar concerns. It is not new and i have meet many who need advice and assistance in this area.
With my clear and fact based insights and step-by-step Property Wealth Planning™ strategies, they have since upgraded comfortably to private properties, created passive income streams and have a clear investment road map for the next 5 to 10 years.
How would it change your life if you could do the same?
Financial freedom and a comfortable retirement is possible for those who know how.
What you do today can have massive ripple effects on your FINANCIAL FUTURE.
Let’s meet up for a FREE and NON- OBLIGATORY consultation session.
Property Wealth Planning (PWP)™ has been helping property owners like you increase their wealth accumulation capabilities and plan for their financial future.
Join thousands of property owners who have benefited from the low-risk and systematic investment plans that PWP provides.
During my sharing session, you will learn:
Property Wealth Planâ„¢
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A conservative and achievable plan to help
you accumulate wealth quicker.
Financial Analysis
An in-depth analysis of your financial position and upgrading choices.
Funding Requirements
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A report of all funds required for stamp duties, legal costs and miscellaneous fees
Investment Analysis Method
A proven analysis method to filter the options in the market and determine the right property for you.
Investment Road Map
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Plan ahead for the next 10 years with actionable steps at each phase.
Strategies & Techniques
Real-life strategies that I have used to help clients multiply their property portfolios.
Real Life Case Study #1
(HDB Owner)
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Mr and Mrs Lim, both 34 years old, were owners of a 4 room HDB flat. They sought me out to sell their HDB to buy a resale Executive Maisonette.
Owns 1 HDB Flat
Careful & Detailed Planning
Property Wealth Planning™
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After walking through a detailed financial analysis with them, I recommended them methods to help them accumulate wealth without just relying on their income.
Make Money Work For Them
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By using low risk and proven Property Wealth Planning™ strategies, they have since upgraded to a condominium without touching any of their savings and even have $200k set aside in a rainy day fund.
With my systematic investment road map, they even managed to own an investment property 6 months later.
Condo + Investment Property
Real Life Case Study #2
(Condominium Owner)
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Mr and Mrs Chai, with a combined income of $9K, sought my advice for selling their older 2 room condominium to upgrade to a newer 3 room condominium.
Owns a 2 Room Condo
Detailed Planning & Recommendations
Property Wealth Planningâ„¢
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After detailed analysing, we found that they could achieve more than an upgrade. Today, they own not 1, but 2 condominiums and yet have $300K cash set aside in a rainy day fund.
Smart Strategies Backed by Research
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By using low risk and systematic Property Wealth Planning strategies, they are now paying lesser installments than if they had just upgraded to a 3 room condominium.
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And this is possible through the rental income from their investment property.
Condo + Investment Property
But I have almost fully paid up my HDB. Why should I upgrade?
If you are like most Singapore HDB Owners today, you are probably servicing your loan using your CPF.
You might even believe that it is best to pay off the loan as soon as possible.
My facts-based research shows how it impacts your financial goals & the potential huge difference PWPâ„¢ makes in your retirement funds.
The Right Method in Using Your CPF Can Make or Break Your Financial Future
Locking your CPF funds in your HDB flat is eating away at your wealth.
With your CPF dumped into your HDB flat, you:
Lose the 2.5% interest or more you earn from leaving it inside CPF.
Incur accrued interest of 2.5% that you need to pay back when you eventually sell.
5% is TAKEN AWAY from your cash proceeds year after year until you sell.
Example:
If $200,000 CPF funds was used to pay for your HDB, at the end of 5 years, you lose $26,600 in interest earnings.
In addition to that, if you sell your HDB after 5 years, you would have to return $226,600 to CPF instead of the $200,000 used earlier on. This means you receive $26,600 less cash proceeds from your total sales proceeds.
To summarize, the longer you hold on to a HDB flat paid using CPF funds, the less interest you earn AND less cash proceeds you will receive.
Is this outcome preventable? Arrange a non-obligatory consultation with me to find out!
New Financial Possibilities Await You
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Due to a lack of understanding, many clients assume that their dream properties are out of their reach due to worries like age, income, risks etc.
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As a Property Wealth Planner™, i provide rigorously researched analysis to lower your risks and creative solutions customized for you.
Sadly, some clients have missed their chance and wished I was there to advise them in the past.
Will you want to have the same regrets when you look back 10 years down the road? I certainly hope not.
With Property Wealth Planning™ strategies and a guided investment road map from me, you can:
Achieve Financial Freedom
Start working towards a financially free future.
Grow Your Property Portfolio
With safe and proven property wealth planning™ insights and a systematic road map.
Generate Passive Income
With minimal or zero additional financial commitment.
Maintain Rainy Day Reserves
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A healthy and financially prudent cash reserve set aside for rainy days.
Retire Earlier Safely
With a secure financial safety net that provides your family peace of mind.
YOU DESERVE A MUCH BETTER LIFE
At this point, you can give up and continue what you are doing but let’s be frank, you won’t still be reading if that’s what you wanted.
All we need is 60 min of your time. That’s it.
After that, you can choose to either walk away or ...
TRANSFORM YOUR LIFE FOR THE BETTER.
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As an investor myself and with FIELD-TESTED
and PROVEN Property Wealth Planning™ strategies, I will guide you step by step to UPGRADE and make your property work for you instead.
Hello, I am Ruth Chia.
As a real estate professional, my duty is to help my clients achieve financial freedom and grow their wealth through Property Wealth Planning™.
I believe that with prudent strategies and a clear investment road map, anyone can enjoy a life of abundance and financial stability.
Ruth Chia
Senior Associate Director of Navis Living Group
Huttons Asia Pte Ltd
CEA Registration No.: R051247A
Agency License: L3009250K
©2020 by Navis Living Group
A Division of Huttons Asia Pte Ltd
Real Estate Agency Singapore
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Contact: Ruth Chia at: +659812 1133
3 Bishan Place #05-01
CPF Bishan Building S579838
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