Arigato, {{ first name | dear investor }},
Good news!
The government just removed the 15-month wait-out period for private property owners buying an HDB resale flat.
That means if you're a private property owner thinking of downgrading to an HDB resale flat, you no longer need to wait 15 months.
And if you're an HDB resale owner...
This is good news for you too, because it could potentially bring more buyers into the resale market. 😉
And this news got me thinking...
After so many rounds of cooling measures over the years...
How much has Singapore property actually grown?
So I went to check the official URA data.
Since 2009, Singapore's private property price index has increased from 100 to 218.
That's a total growth of about 118%, or roughly 4.8% per year.
Let's say back in 2009...
You invested $500,000 into a Singapore property that appreciated at around 4.8% a year.
Today, that property would be worth roughly $1.1 million.
But here's something that really surprised me.
Did you know that over the same period, the US market S&P 500 has historically returned around 11% per year?
You invested the same $500,000 into the S&P 500 and achieved 11% annual returns.
Today, it would be worth almost $3 million.
That's nearly $2 million more in profits!
Now, I know it's not a perfect apples-to-apples comparison because property can be leveraged with a mortgage and also provides housing utility.
But here's my point.
Why do so many Singaporeans think it has to be...
Property OR stocks?
Why not own both?
Personally, I own property.
But the majority of my portfolio is actually invested in US stocks, ETFs and options because they've historically delivered much higher long-term returns. 😉
If you want to learn how I invest in ETFs and options to accelerate my portfolio growth, I'm conducting a FREE live masterclass next week Thur 8pm where I'll show you how to navigate the current AI bubble uncertainty and build your portfolio step by step!
Would love to have you join us,
and keep learning together—the Arigato way 💛
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. 💛
