Before:

I met both Jesper and Jovalene on Feb 15. I can still remember how thrilled they were about growing their wealth through property investments. Back then, they were already holding two assets – their HDB EA flat and a PTE studio apartment, which was rented out. In fact, it was a healthy asset-holding setup in which one can collect rental from the second asset.

After:

I pointed out the importance of Capital Growth in which both of their assets had limitations and would not fully achieve the Capital Growth that they are expecting when the property market picks up.

Hence, I carved out a Property Restructuring Plan for them and today, they have sold their HDB EA flat, purchased a GEM asset in the City Area while still holding their studio apartment. This plan potentially boosted their rental income while ensuring that they enjoyed healthy Capital Growth.