Is renting or selling a BTO flat a good investment?

Perhaps if u are looking to get the BTO just for the purpose of “investment”, there are certainly other asset class out there in the market for you that are more liquid and potentially higher returns.

Do not waste ur precious ballot chance but instead go for a place where you and your partner can build a warm home of yours.

Opinions expressed are my own personal thoughts and are not financial advices. It is important for you to do your own due diligence

One perspective I've heard is this: if your rent can cover the monthly mortgage payments, you can not only earn passive income off your BTO, but you'll also be somewhat "liquidating" your CPF money. (CPF goes into your mortgage, but rent comes into your pocket, you can think of it as a "net transfer" of your CPF into cash form)

Of course, getting a BTO is not easy, the financial commitment is not small, finding suitable tenants can be hard work, along with all the attendant difficulties with purchasing and owning property.