How should I rent/buy an apartment after graduating from university?

https://www.aaronleow.com/wealth-projection-cal...

You can use the above calculator to play with the numbers, saving on the mortgage versus building equity via buying the house outright.

I do like HDB property for the primary reason that it is protected from creditors. I view it as an asset where you get the benefits. But I do not view it as an investment property if you are to live in it. The treatment of your property will depend on how you will utilize it. I would disagree on the cardinal rule that you need to get HDB on your first purchase, if your income hits a high 5 figure monthly in your career you wouldn't want to nickel and dime when you should be spending your time on growing your career. A private property saves you time, which is an invaluable asset.​​​

Hi!

I just completed my year 3 (will be going year 4 this August) as well. If I was in your position, I'd:

1. Rent a house first, probably with friend/ friends, if the location is near to office that would be best

2. Invest most of my money. This once-in-a-decade opportunity just arrived, and I am sure someone like you who has experiences in business and investment definitely wouldn't want to miss it. Having $130k to invest will really accelerate your path to financial freedom and independence.

All the best, stay safe, stay healthy, stay invested!