Arigato, {{ first name | dear investor }},

Many Singaporeans dream of building wealth through property.

But once you start looking deeper, you'll quickly realize that scaling a residential property portfolio in Singapore isn't easy.

If you're living in an HDB and want to buy a private property, you'll generally need to sell your HDB first or face significant restrictions and costs.

And if you already own a private residential property, buying another one can trigger a hefty 20% Additional Buyer's Stamp Duty (ABSD) for Singapore Citizens on their second property, and 30% on their third and subsequent properties.

To put that into perspective, if you're buying a S$2 million investment property while already owning one property, that's an additional S$400,000 in ABSD alone before you've even collected a single dollar of rental income.

Knowing these limitations, many investors simply stop at one or two properties.

But today's podcast guest, Ernee, decided to approach property investing differently.

Instead of chasing more residential properties the traditional way, he focused on the growing co-living market.

In just 7 years, he built a property portfolio worth over S$45 million, manages more than 700 co-living units, and generates six-figure passive income annually. 🤯

Naturally, I was curious to find out how he did it.
And that’s why I recently did a podcast with him!

What's even more inspiring is that he didn't come from a wealthy background.

Just like many Singaporeans, he and his wife started with their very first property through an HDB before gradually growing their portfolio over the years.

In our conversation, Ernee shared how he approaches property investing differently, how co-living works, and how his community uses this strategy to potentially generate recurring rental income while building long-term wealth.

As someone who is constantly learning about different wealth-building vehicles—from ETFs and options to gold, silver, crypto, and property—I always enjoy hearing how successful investors solve problems creatively.

Because sometimes the biggest opportunities come from looking at a familiar asset class from a completely different angle.

If you'd like to learn how Ernee built his property portfolio and the lessons he's learned along the way, you can watch the full podcast here:

I hope you'll enjoy this conversation as much as I did.

By the way, if Ernee's story inspired you and you'd like to learn more about property investing in Singapore, he has generously offered my community complimentary access to his 2-Day Residential Acceleration Program.

Normally, this live bootcamp costs S$297, but he's making it available for free to our community because he knows many of you are serious about building long-term wealth and exploring different ways to grow your money.

Whether you're looking to buy your first investment property, avoid costly mistakes, or better understand the Singapore property market, this could be a great opportunity to learn directly from someone who has built a S$45 million property portfolio over the last 7 years.

You can reserve your complimentary spot here:

P.S. We might bump into each other during the live bootcamp.
I can’t wait to see you there! 💛

Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛