Reward 500 Tiger-coinsSentiment in Singapore’s property market has been increasingly steady and optimistic.
In the latest quarter, the NUS Real Estate Sentiment Index (RESI) jumped from 5.7 to 6.1. Not only has current sentiment improved, expectations for the next six months have also strengthened across the board.
The standout segment is Core Central Region (CCR) luxury homes, with a net positive sentiment of 60%. Suburban homes remain at around 40% positive sentiment, and office properties have turned positive for the first time in two years.
For Singaporeans, investing in property is nothing new.
Even when people only have a few hundred dollars to spare, many already think about putting some money into REITs. With property sentiment recovering, REITs may look even more promising.
Besides REITs, some people invest by buying a second property… or simply rent out their own home and retire somewhere else.
“Can I live off rental income + investments and semi-retire in a lower-cost country?”
This isn’t a fantasy anymore — it’s becoming a common “Singapore-style Plan B.”
Case study: Can a 35-year-old couple + one fully MOP-ed flat support living overseas?
Assume a couple, both 35 years old, who own:
A recently MOP-ed 4-room HDB in Punggol
Monthly rental income: $3,200
Monthly mortgage: $1,070
After accounting for vacancy, agent fees, and maintenance:
Net rent ≈ $2,666/month
Plus:
$100,000 in basic investments
4% annual dividend yield = $333/month
Total passive income ≈ $3,000/month
In Singapore? → Enough to get by, but not enough to enjoy life
In many Southeast Asian cities? → Middle-class, or even “comfortable upper-middle” living
So which path brings the average Singaporean closer to a true “middle-class lifestyle”?
Buying property → Stronger asset appreciation logic
Investing in REITs → Stronger cash-flow logic
Can one property get you to a middle-class life?
Can REITs alone fund a comfortable lifestyle?
Comments
Looking at my own MOP-ed HDB, net rental income plus basic investment dividends could give me around $3,000/month. In Singapore, it’s enough to get by, but in many Southeast Asian cities, it could support a comfortable upper-middle-class lifestyle, making semi-retirement abroad realistic.
For me, property offers long-term appreciation, while REITs provide steady cash flow. A mix of both seems ideal: rental income from property plus REIT dividends, bringing me closer to a true middle-class lifestyle at home or overseas.
@Tiger_SG @TigerStars @Tiger_comments
So which path brings the average Singaporean closer to a true “middle-class lifestyle”?
Buying property → Stronger asset appreciation logic
Investing in REITs → Stronger cash-flow logic
Can one property get you to a middle-class life?
Can REITs alone fund a comfortable lifestyle?
if have lots of extra [USD] [USD] [USD] then perhaps may consider owning a property or properties for investment. otherwise, REIT is good too.
best to have both [Grin] [Grin] [Grin]
Imagine waking up knowing that your core living expenses are taken care of by the fruits of your prudent investments.
Dividends from a strong performer like $DBS(D05.SI)$ or steady income from a diversified SReit like $CapLand IntCom T(C38U.SI)$, can fund not just the essentials but also the small joys that make life rich.
This combination is great for a life rich on community, family and simple pleasures.
Singapore - Our Home, Our Country. 😍😍😍🇸🇬🇸🇬🇸🇬🏡🏡🏡
@Tiger_SG @Tiger_comments @TigerStars @TigerClub @CaptainTiger