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Learn How To Upgrade A HDB To 
Multiple Private Properties Using 
The FAST-TRACK System 
Without A High Income Job... 
Proven System Backed By 11 Years Of Experience

1.What is Property Asset Progression?

In Singapore, Property Asset Progression essentially refers to the growing of one’s wealth through carefully planned investments in Singapore properties.


The word “progression” means the process of developing or moving gradually towards a more advanced state.


The end objective of Property Asset Progression is to allow the person to build up a good retirement fund in his or her golden years through sound investment in properties.


There are different ways and methods to approach property asset progression depending on the life stage you are in and your unique circumstances.

"Property investment should never be treated as a form of gambling.

2. Why Property Asset Progression?

Singapore has a very high home ownership rate at 91% (based on data from Department of Statistics Singapore) as of December 2018.


It is in almost every Singaporean’s blood to want to own a piece of real estate here in Singapore. And in many cases, multiple properties for very good reasons that will be touched on just further below.


And do you know that almost one in five buyers of Singapore properties is a Singapore permanent resident or foreigner?


These are some of the very high profile purchasers of Singapore properties in recent years: Eduardo Saverin, James Dyson, Jim Rogers, Sun Tongyu, Jackie Chan, Jet Li.


Why do they have so much faith in Singapore properties?


Many foreign buyers are attracted to invest in Singapore properties or purchase one to stay in for the following reasons,


    • political stability

    • education system

    • low crime rate and safe environment makes it suitable for families

    • Singapore’s status as one of the leading financial capitals of the world

    • Singapore’s draw for highly talented foreign nationals to advance their career here

    • great value of Singapore properties compared to properties in other major cities of the world


These trends have placed Singapore properties on a long term price growth despite the ups and downs in property prices across different time periods.


Home buyers and investors of Singapore properties have been able to leverage on these trends to lock in good profits from price appreciation, en-bloc sales and earn good passive rental income from their properties.


Often times, earnings from real estate investments form a part of Singaporeans’ retirement planning. And for some, a major component.

3. How is Property Asset Progression Plan done?

Truth be told, property asset progression may not be suitable for everyone.


This may be because the client’s situation right now does not permit him or her to do so.


In some cases, the client’s current property portfolio is already at the optimal level and nothing more needs to be done until the next review. Or it could be a case of waiting for exit markers to show up.


However, before even going so far, we need to ask ourselves whether we are equipped with the right knowledge and advice to make an informed decision.


Many times in life, we do not know the things… that we do not know.


In many instances, we do not even know that… we do not know 


On the path of property asset progression, having the right guidance is key.


You have already taken the first step to read up on this subject matter up to this point.


The next step you are going to take is the crucial one that will determine what your options are.


The knowledge you are going to gain will empower you regardless of whether the analysis shows a go or no-go for you to embark on property asset progression.


The knowledge stays with you and will not cost you a single cent.


And if you agree with the property asset progression plan that I have tailored for you, then I will execute the plan and journey alongside you in the years ahead.

WhatsApp Image 2020-06-04 at 9.02.22 PM.

Let’s sit down to have a chat and explore the opportunities that you may not be aware exists. Allow us to share the following with you:


    • Where we are in Singapore’s property market today

    • analysis of your existing property/properties (if any)

    • analysis of your financial situation with regards to real estate

    • determine if property asset progression is appropriate for you at the current moment

    • the ways to do it if you are in the position to do it

    • how to manage the risk in the best possible way

    • and the answers to any other real estate related questions you may have


Let us analysis and help you plan according to your situation.


Clear any misunderstanding you may have and understand the options that are available to you.


Your options and opportunities may surprise you.


And then you can make an informed decision.


Take your first step in your property asset progression journey today.


We can be contacted via the WhatsApp button that you see on the screen.


Alternatively you can reach me via the contact page or call me at 


Property Asset Progression Case Studies

Interested to know about the common questions that people have about property asset progression and what they ask me?


Read on as I share some case studies below.


P.S. The names of my clients have been changed in the case studies below.

Susie is a Singaporean in her mid 30s. Has a condo (tenanted) in her sole name.




Susie is a single Singaporean in her mid 30s.


She is a salaried employee earning $6,000 per month.


She stays with her parents and currently owns a private property that is tenanted out at $1,600 per month.


She has cash savings of $200,000 that can be used for property investments.



Q1. How to assess if staying put with her rental property is the right move?


Q2. What would be my property asset progression plan for her?



I showed her the figures involved in staying put with what she currently has versus the other possibilities that Singapore’s property market offers right now. Without having to touch a single cent of her $200,000 savings.


Also used the chance to show her how she can save on her mortgage interest repayments.




Az & Siti are both Singaporeans and in their late 20s. Married and Owns a BTO HDB flat.

They have a combined fixed income of $9,000 per month. Siti brings home extra commission income on top of her fixed income every month.


Right now they are staying in a BTO HDB flat that is about to hit the 5 years minimum occupation period very soon.


They would like to sell off their BTO HDB flat and use the sales proceeds to upgrade to a private property with zero to minimal top up. They have a particular dream private condo that they would ideally like to move to.



Q1. How much can their HDB flat realistically fetch?


Q2. What are the numbers involved for them to be able to upgrade to a private property? Is their dream condo within their reach? What are the options available to them?


Q3. Can I give them my take on how they should execute the move and the pitfalls to look out for?



Their BTO HDB flat has appreciated in price over the last couple of years and they can unlock this equity and put it to good use for their next move.


Presented them with 3 possible options that they could consider and take. Each option came with detailed financial numbers involved.


In addition to that, I also shared the key differences between the options and how things could possibly pan out in the next 4 to 8 years for each option and what it means for them.




Jack (Singaporean) and Yun (PR) are in their 40s. They have a child.

Just sold off their HDB. Own a fully paid condo that is tenanted.


They have just sold their HDB. Jack owns a fully paid condo that is currently tenanted out at $2,000 per month.


They have cash savings in excess of $1m (excluding CPF) for property investment purposes while Jack qualifies for a $3m property loan.


Yun is self-employed and has no property in her name right now.



Q1. How do I see Singapore’s property market in the next few years?


Q2. How to best optimize and structure their property portfolio moving forward?



Yun is a lady who loved her HDB flat because it has been her matrimonial home for many years but she has a clear understanding of what the HDB flat can and cannot do for her even before I met her.


Not everyone can arrive at such a clarity of mind on their own because it takes effort and it usually involves getting out of one’s comfort zone.


While talking over coffee, I managed to clear up some misconceptions that she had. In particular, what makes a good and not so good purchase from an investment angle.


Gave her my inputs on how their family can proceed from here and how they can employ the use of trust given they have the financial means to take this route.




Leon and Sharon are both Singaporeans and in their mid 40s.

They own a private condo that they are occupying.


Husband and wife have a combined monthly income of $30,000.


They own a private property in their joint name that they have called home for many years.



Q1. Why has their property hardly appreciated in price? Lacklustre pricing aside, they would like to sell mainly because they would like a change of envrionment.


Q2. For their next property purchase (possibly joint names or one property each), they would like to do it with a stronger investment focus. Is it possible to structure the purchases such that they do not have to tap into their savings?


Q3. How do they go about choosing what to invest in? In terms of which private property to go for and the unit type to go for.



I shared with Leon (over tea that lasted almost 3 hours) that any decisions made have to be based on a good understanding of what has happened, is happening and will likely happen next in Singapore’s property market.


I did an in-depth market update and presented him with a detailed financial analysis of 4 different options that they could realistically consider. The plan is based on utilizing just the proceeds from the sale of their current property and existing CPF alone.


The key differences between these options and how it could impact their cash flow moving forward was also discussed.


I also touched on my assessment of their current property and explained the factors that must be present to trigger a price increase (demand).




Peter and Fion are both Singaporeans in their mid 30s. They stay in a HDB that is in Peter's sole name as Wendy has decoupled from the HDB many years ago.

Husband and wife have a combined monthly income of $25,000.


They are currently staying in a HDB flat that is in Peter’s name only. They did a decoupling exercise many years back in preparation for their first private property investment one day. Please note that it is now no longer possible to do decoupling of HDB flats.


They have a healthy amount of cash and CPF savings that they can tap on for their next purchase. As of now, they have no intention to sell their HDB.



Q1. A significant number of buyers are attracted to new launches even though the surrounding resale properties are a lot cheaper. Resale properties also get to enjoy rental income. So why is there such a phenomenon?


Q2. What is the most appropriate investment option for them (someone in their mid 30s) in today’s market?


Q3. How to determine what to invest in and the unit type to go for?



I visited them at their place and shared my assessment of what is happening in Singapore’s property market right now.


I also used the opportunity to answer the specific questions that they had for me and showed them the financial figures (and projection) to execute what I had planned for them.


In their case, I had planned for significant buffer to take care of any risk that their situation may present.


Although they are planning to stay in their HDB, I felt the need to share the challenges that the HDB resale market faces and the trend moving forward.


They should know and understand the implications. This will allow them to make the right decision for themselves in time to come.



We are extremely thankful for the trust that our clients have placed in us. From sharing their dreams and concerns (fear) with me to furnishing me with their details and to allowing me to plan and execute for them.


We applaud their willingness to take that crucial first step to get in touch to understand more.


One client asked if we would be around to guide her and execute what I have planned for her (happening only in a few years time). Assured her that I would be more than pleased to journey alongside her in the years ahead if she allows me to.


Sometimes, the smallest step in the right direction ends up being the biggest step of your life.


Tip-toe if you must, but take the step.


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