BTS
11-27

Owning a single property abroad can support a middle-class lifestyle in lower-cost countries but may not suffice in high-cost areas without additional income sources。。。

Non-traditional retirement plans relying on investments like REITs or rental income are feasible but require careful planning, diversification, and risk management

Property in Singapore offers long-term wealth through appreciation but requires significant capital, while REITs provide cash flow and liquidity, though neither alone may fully support a middle-class lifestyle

One property or REITs can support a middle-class lifestyle if they appreciate or generate income, but a larger portfolio or additional income streams are needed for long-term comfort, especially in high-cost areas

A combination of property for capital appreciation and REITs for cash flow offers balance, but relying on either alone requires careful strategy and additional income sources for long-term comfort

Tag :@Huat99  @Snowwhite  

A Middle-Class Life Overseas with Just One Home? Is Retirement Plan B Really Feasible?

@Tiger_SG：
Sentiment 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?
A Middle-Class Life Overseas with Just One Home? Is Retirement Plan B Really Feasible?

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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