Investment Portfolio Allocation

Do you absolutely need a private propert, if not, a decent HDB would set you off by only half.

I will not comment on any reballancing if it's anchored based on your risk appetite & horizon.

Let me break down numbers for you.

$1million condo

5% cash = $50,000

20% cash or CPF = $200,000

Buyer stamp duty = $24,600

Total outlay at start = $274,600

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As for loan quantum, I would need to know your income to give you a rough gauge. Assuming no debt liabilities (car loan or credit card debt), you would need to earn at least $5614/month to get a 75% loan-to-value for a $1 million condo.

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Generally I would advise against liquidating current investment holdings to buy a property, unless for urgent reasons you need to move. Looking at current supply and demand as well as price trends, $1 million can only get you a 1-bedder new launch or a 2-bedder resale. For investment properties, bigger units give better returns in terms of capital appreciation. Think of a 450sqft unit vs a 1000 sqft unit, both appreciate $200 psf, which will give you better returns?

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If you need anymore numbers and data, feel free to reach out to me @0xmarkus on IG.

It is up to you actually. You have majority tesla and a small percentage in 2 funds in Syfe and Stashaway which is very diversified and may have some overlaps.
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Tesla is quite hyped and has many upsides. But also good to consider the downsides and manage your risk accordingly. I still don't own a tesla and I am fine with that.

• When you want to buy a property. You must know how much loan u can get from the bank.
• How much loan you can get is depend on your salary, TDSR and age.
• Assume you can buy, with 75% LTV. You need around $80k cash downpayment. Rest can CPF. For 2 person this sum is more managable.
• But paying the downpayment is just the part of the game. You need to be able to pay the monthly installment, leveraging on CPF.
• Other cost like maintenance fee, property tax and income tax (if you rent) need to be considered.
• So if you sold all your investment now, and able to get a 75% loan. You are able to buy a condo already. Question is if you are able to pay monthly.