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

It is here where I share with you how I did it! FREE Education in stock market wisdom.

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Thursday, 29 August 2019

Is Your 99 Years Leasehold Property HDB Flat An Investment???

Hmm ... 

Simple and quick answer is ...

Your 99 years leasehold property HDB flat is you lottery TOTO ticket.

If you are damn lucky you strike ToTo Jackpot as sole winner and becomes millionaire or multi-millionaire.

If you are not so lucky like Uncle8888; it is like tio ToTo Group 2! 

Group 1 and Group 2 is hell of difference!


All HDB flat owners have their winning ticket; but if they forgot to claim their winning ticket by 99 years; it will expire worthless.



    During my time, even Millionaire's sons were encouraged to participate in 2 bites of the cherry by their parents, before having any titles to private properties.

    Of course many ordinary folks who had the means or dare, take more than 2 bites of the cherries - (After 2nd bite of cherry, downgrade to a smaller and just 5 years old lease HDB lol or better to condo. Then repeat with one or 2 more time).

  2. Buying HDB BTO is like buying in-the-money European-style call options that can only be exercised 5 years later.

    Resale HDB? That's like slightly out-of-the-money Euro-style call options! LOL!

    Frankly for own residential property --- I view as combination of consumption & savings.

    Consumption because you need to spend to have shelter anyway.

    Savings because for most of your lifetime, you can still get a good savings rate of return after minusing off base expenses, if you sell.

    The very good property "savings rate" of 10%p.a. if you bought in the 1970s & early-80s is a reflection of high inflation then. You would have done better buying local stocks & companies. ;)


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