I'm not an agent. I don't earn commission from your transaction. What you'll find here is what I actually think, based on decisions I made with real money across six properties.
Buy what makes sense for your life. Live in it. Let time do the rest. The gain will come — and when it does, you'll know when to sell.
Most property content in Singapore is written by people who earn when you buy. That creates a certain kind of advice. Everything looks like a good buy. Every launch has strong fundamentals. Every location is up and coming.
My angle is different. Six properties across residential and industrial. Two BTOs still held — one with ~$400k unrealised gain, one a 44th-floor trophy home I intend to keep forever. Three industrial units at Midview City bought for real business use, all sold at profit — the last two at record prices in the development. One freehold condo in D15 that is the foundation of my retirement.
The total across realised and unrealised gains is north of a million dollars. Not because I'm a genius, but because I spend serious time understanding what I'm buying — floor plans, site plans, orientation, what's going up next door — and then I hold with patience. That combination does most of the work.
Most people treat property as a financial instrument. They look at the district, the tenure, the quantum — and they make a decision. That's fine as far as it goes. What they miss is the unit itself.
I read every floor plan before I commit. I study the site plan to understand orientation, which blocks face road noise, where the afternoon sun punishes which stacks, what's going up on the adjacent plot. I check the surroundings on satellite view. I walk the area. I compare every unit type in the development for the same footprint, because two units at the same floor can have very different layouts once you factor in the bomb shelter, the aircon ledge, the bay windows.
A good unit in a decent location will always outperform a mediocre unit in a great location — because you'll live in it comfortably, you'll hold it without second-guessing yourself when the market softens, and you'll resell to a buyer who also sees exactly what you saw. That's the edge. Not timing the market. Knowing what you own.
A lot of people come to me excited about the sell one buy two strategy. Sell the HDB, use the proceeds to buy two private properties, double the exposure, double the gain.
I almost always advise against it. Here's why.
Most Singaporeans are already massively concentrated in property. Your flat is your biggest asset. Your CPF is largely tied to property. Buying a second and third property means you're doubling down on an illiquid, leveraged bet on one city state, with significant ABSD, legal fees, and interest costs eating into your upside.
The better question is usually: should some of that capital go into equities, options, or a business instead? A diversified portfolio that includes one good property you live in often outperforms two properties you're trying to manage and rent out, with far less stress and far more flexibility.
I'll tell you honestly which one fits your situation. Even if the answer is don't buy more property right now.
I share my property journey, my actual decision-making process, and my analysis of new launches. Not because I want you to buy. Because honest, experience-backed writing about Singapore property is genuinely rare.
If a launch looks good and you want to move, I'll connect you with an agent I trust. If it doesn't make sense for your situation, I'll say that too.
Book an advisory session. One hour, $2,000. Refunded if you buy a new launch through my recommendation. No agenda, no sales pitch.
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