Terrence is a Property Restructuring Specialist who has assisted hundreds of ordinary Singaporeans to build their wealth and assets safely and conservatively, simply by leveraging on their existing property.

Whether it’s a Private Condominium, an EC, a resale flat, or even a BTO flat directly from HDB, when you purchased your first property, you have already unknowingly taken the first step into property investment.

Your property itself is an investment account. As you pay for your monthly mortgage, you are putting funds into your property investment account.

When you eventually sell off your property in the future, all the funds that you have invested into your property comes back to you, together with profits, if your property has been appreciating consistently over the years.

But what happens if your property has not been appreciating consistently in value? Or worst, have been depreciating? Apart from not making any profits, you are also at risk of losing your hard earned savings.

The question is, are you are putting your hard-earned money into an appreciating or depreciating asset?