! If you have been seeing a lot of such ads around which got you interested, there might be a few things you wish to take note of. A good article to shed some light on this heavily advertised property investing scheme can be found here: https://blog.seedly.sg/own-x-properties-in-2-years-with-no-money-down-is-it-a-scam/ I will just do a quick summary on this: - Technically, it is not a scam or anything. It is just an area where there are lesser rules and regulations with regards to this. Lots of legal grea area and MAS has yet to step in. - You are looking at co-owning commercial properties, as there is no ABSD, and also, it can be rented out for higher yield. However, do note that, you do not technically own them, since you do not have the "keys" to these properties. - There is little idea on what will happen to your investments should the company cease to exist. Unlike REITs that are traded on the exchange, whatever measures they have in place may lack the necessary foundation with regards to "tanking" investors' loss. I am not an expert in this subject matter. Definitely keen to hear different point of views!

If I can summarise the year 2018 in two words. !