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How much are you earning per annum?

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  #12111 (permalink)  
Old 01-12-2020, 01:44 PM
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negative? oh.. for now still ok because the other one still under development, no need for any monthly repayment. the rental i receive every month + my cpf can cover the balance mortgage loan for my 3 bedder.

counted also, the amount in my cpf special account alone will also hit more than the minimum cpf amount (at least double) by the time i reach 55.

and long term wise i will have 4 freehold property for my retirement and my kid so stil ok.

of cose, these are assuming i dont go jobless along the way. contingency will be just sold off my 2 fully paid property and the one under development.
thanks for sharing. i know you can afford it, but it does not seem like the best investment strategy since your cash flow is negative though? if you sell and put the money into stocks/ETFs that can give you a 7% return per annum, wouldn't that be a better option?

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  #12112 (permalink)  
Old 01-12-2020, 10:23 PM
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thanks for sharing. i know you can afford it, but it does not seem like the best investment strategy since your cash flow is negative though? if you sell and put the money into stocks/ETFs that can give you a 7% return per annum, wouldn't that be a better option?
yes you are right for my case. i do abit of shares investment as well but i still feel getting a property, something physically there is safer.

that's why i only aim for cheaper freehold property, cheap and "forever" mine.

just to share also for many ppl who invested in property
eg.
property price - 600k
downpayment + stampduty (28%) - 168k
while you service ur loan (2k per mth), u start to collect rental of say $1700 per mth. include monthly maintenance fee and yearly tax.. u probably top up about 8k a year.
say 10 years later the property appreciate by 150k

ur total investment = 168k + 80k
return = 750k - remaining loan of about 330k - miscellenous about 10k - agent fee about 15k = 400k

so in total u invested 250k and get back 400k after 10yrs

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  #12113 (permalink)  
Old 03-01-2021, 08:53 AM
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I am a 52 yo retired male. Condo paid up.
Lead a simple life. Focus on health and happiness.
I am very happy.
Life is short.

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  #12114 (permalink)  
Old 21-01-2021, 03:54 PM
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Fuk story teller. I tell you what possible is that you plant the seed of jealousy and FTRASH
The salary in Nomura or AIG for a software engineer role is nowhere near 200k to 240k....
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  #12115 (permalink)  
Old 21-01-2021, 04:13 PM
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Male 27
Finance
Made $128k in 2020
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  #12116 (permalink)  
Old 21-01-2021, 04:21 PM
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Male 27
Finance
Made $128k in 2020
Front office?
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  #12117 (permalink)  
Old 21-01-2021, 05:57 PM
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150k, 37yo

gf left me because i can't afford a condo
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  #12118 (permalink)  
Old 21-01-2021, 06:00 PM
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150k, 37yo

gf left me because i can't afford a condo
good riddance
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  #12119 (permalink)  
Old 21-01-2021, 06:13 PM
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Age: 37
Education: LSE Clementi (DL edition)
Salary: 4k+ starting (no specifics necessary)
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  #12120 (permalink)  
Old 21-01-2021, 06:17 PM
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Name: Autist Wang
Real Age: 25 (4 years NUS BBA)
Mental Age: 6

Failed to convert my dbs internship (pre-assigned) and got rejected for my dream job (DBS GA - 3.8k)

Currently trying to find solace in SIM threads cus cb how can they earn more than me right. Might have to take up cleaning duties soon if I cant find anything.
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