As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

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This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

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Monday, 7 March 2016

Asset Return: Home (Unrealized Capital Gains from Government Subsidized 4-Room HDB Flat) vs. Stocks (Local stocks in SGX)

Read? Asset Return: Home (Unrealized Capital Gains from Government Subsidized 4-Room HDB Flat) vs. Stocks (Local stocks in SGX)

Somewhat different for residential home as investment return vs. stock portfolio is that for stocks once we sold for investment return; it is not necessary we need to find replacement. But for home, we will need replacement. After discounting the cost of replacement, likely to a few % below 7.8%


  1. Cannot cheat lah.
    Rental (whether you rent from landlord or pay upfront with downpayment and front weighted installment) cannot count as cost of investment.

    It is separate and distinct category.

    The question is whether can it be counted as cost of investment if you pay it as a rental for a child living space?


    How about rental costs for dormitories for workers in your business (company)?


    How about rental for yourself with yourself as an asset? An asset with hopefully growing profits but with a shelf life?

    1. To really know the real investment return, property investors to do proper book keeping. LOL!


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