Start with your Home, then think about Investing. If got limited fund, go for the two cherries as fast as possible. If fund is not a problem, salary allow, go private property instead of HDB. Land cost increase 100% in 7 years from 2010 to 2017 if you can have a return that much you should consider otherwise get in the Boat. Still don't understand pm me.
Many don't dare to leverage when they are young including myself. I borrow 20k cash from my dad in 1995 for my 5 room HDB deposit. You need to first understand yourself than calculate the risk. Your profile given is not enough for accurate sharing. You can message me if you are not comfortable to share here. 87821025
I took a loan of $200,000 from CPF for my 5 room HDB in 1995 for 25 years after I sold my 4 room HDB for a profit of $180,000. Use the cash to buy a 2 Bedroom in 2006 with the cash 20%. You can take the CPF out by selling your HDB and buying another but now you need to give back 50% of the profit before they loan you. This way you reduce your CPF holding too much of your Money.