Hi there, Your investment returns are not guaranteed, even if it's over the Long term. While you can do a monthly allocation, you may want to be cautious on how much you allocate on your investment regime. Five years may be a relatively short time for a housing need that's is guaranteed so you may want to also try short-term endowments for guaranteed interests. You may ask around your friends on the past performance of the S&P500 and robo since both of them work differently. One tracks the market index while the other is a algorithm-crafted portfolio So you can see which works Better for you Financial planning is an integral part of life. You can reach me here to find out more.

YOu bought with grant. So now you'll need to factor in Resale levy if you were to buy a BTO from government agian. To know if you should buy resale or not again, need more info on what's your life stage, intention and purpose.

Yes you can. But if there is outstanding loan, your brother need to be able to take up the new loan based on his income.

Sorry, I’m afraid this isn’t possible!

Hey there! Unfortunately, there’s no way to know this as it does not show which units are reserved. Under the priority scheme, you’ll just have a better chance to select a flat.

Hey! You’ll need to have sufficient amount of cash to pay off the stamp duties, lawyer fees etc first. Beyond that, it’s just a matter of whether you take a HDB or bank loan for your BTO. If you’re taking an HDB loan, you can use CPF fo the 10% downpayment. If it’s a bank loan, you’ll need at least 5% in cash for the downpayment, and the remaining 20% in cash/CPF 👌

If they pull off the Punggol Digital District, definitely.

Ideally, as soon as you can after you reach the MOP. This is to ensure you capture the full value between the resale price and the price at which you bought it. At any time afterward, the flat will usually see some depreciation and be subject to secondry market forces. The challenge is not that it's hard to sell your flat soon after MOP though. The challenge is in having an alternative. What is the next property purchase that works for you? If the only next option is another resale flat, then maybe just hang on to your BTO a while.

Freehold properties will be of the best value.

You will get one more ballot chance if you are unsucessful for two or more BTO applications, so yes! Just so long as you keep to the non-mature estates.