Insights
Thinking out loud, investor-style.
Market reads, policy explainers, and honest commentary on what's moving in Singapore property. No hot takes — just the framework you can actually use.
Fundamentals
Reference · 2026
ABSD Singapore 2026: the definitive rate & remission guide
Every rate, remission, FTA carve-out, and legal structure still standing in 2026.
Read → 12 min
Fundamentals
ABSD explained (properly)
The full stack of Singapore's ABSD framework — who pays, who's exempt, where the math breaks.
Read → 10 min
Policy
Reading the latest cooling measures
Not everything that's tightened is bearish. Who the policy actually targets.
Read → 8 min
CPF
The CPF accrued interest trap
How 2.5% OA compounding quietly consumes S$90k+ of HDB sale proceeds — with the math.
Read → 11 min
Tenure
Freehold vs 99-year leasehold in Singapore
Bala's curve, en-bloc optionality, the 20-year simulation, when the premium earns its keep.
Read → 12 min
Framework
CCR vs RCR vs OCR: the investor's decision framework
10-year PSF growth, net yield by zone, liquidity scoring, investor matrix.
Read → 11 min
Upgrader strategy
Pillar article
HDB MOP to condo upgrade: the full timeline & cost map
Sell-first vs buy-first, BSD/ABSD sequencing, CPF refund mechanics.
Read → 11 min
Financing
Bridging loan Singapore: the full playbook for HDB upgraders
Worked S$300k bridge over 6 months. Rates, tenure, qualification, cost vs sell-first.
Read → 10 min
Anti-sell
When NOT to buy Singapore property: 7 signals
Emergency fund, job tenure, dual-income, life transition, euphoria — the walk-away signals.
Read → 11 min
Investor strategy
Blueprint
Building a Singapore portfolio on one income: 10-year blueprint
The 5-properties-before-30 story, honestly told. TDSR ladder, exit sequencing.
Read → 12 min
Exit
Singapore property exit strategy: the sale you plan before you buy
Three exit paths, 3-5-7 rule, SSD windows, CPF refund mechanics at exit.
Read → 12 min
Yield vs growth
Rental yield vs capital appreciation: what SG investors actually earn
Real 10-year total returns by CCR/RCR/OCR net of costs. Why gross yield misleads.
Read → 10 min
Selection
New launch vs resale condo: the framework I use to decide
20-30% PSF premium, PPS cashflow, developer risk, resale liquidity. Six-question framework.
Read → 11 min
Structuring & finance
Restructuring
Decoupling break-even: when the ABSD saved actually exceeds the cost
Worked numbers, post-2023 IRAS scrutiny, when the advisor should tell you NOT to decouple.
Read → 10 min
Structuring
The ownership restructuring math nobody shows you
When the costs outweigh the ABSD saved — and when they don't. Worked example.
Read → 7 min
Financing
Fixed vs floating mortgage 2026: the decision, not the rate
When each wins by cashflow, hold horizon, and rate-cycle view. SORA mechanics + board rate trap.
Read → 10 min
Financing
TDSR stress test: why your bank's calculator gives false comfort
MAS 4% mechanics, variable income haircuts, the 3-tier personal stress test.
Read → 10 min
Foreign buyer
Foreign buyer Singapore 2026: living with 60% ABSD
Who still buys at 60% and why. FTA carve-outs. When renting is the honest answer.
Read → 10 min
18 articles published to date · More in the pipeline — request a topic