Check out some of Gaynor Lim’s experiences with his customers below!
Raymond & Claire (Punggol HDB Flat Owner)
Intended Plan:
I met Raymond and Claire on August 15. Their initial plan was to rent out their HDB while shifting to their new condo. As their HDB flat was almost fully paid, they thought of using the HDB rental income to subside their condominium’s monthly bank loan installments. This, in fact, is a very common practice that most Singaporeans are geared towards.
During/After Sharing Session:
I shared with them how they could potentially grow their wealth by unlocking their profits and investing in one or even two Private Residential Assets with great potential returns and rental yield. That would all also be done in a simple and systematic way.
Today, I am proud to say that I have successfully sold their HDB flat and my clients have invested their funds in a great product that has a $200,000 potential upside with a rental increase of $800-$900/month as compared to their HDB rental! What is even more exhilarating is the fact that I have to plan their manner of assets holding in such a way that they are able to seize any opportunity to purchase their second asset soon with them paying the Additional Buyer Stamp Duty Tax (ABSD).
Sharon & Chin Tee (Bukit Batok HDB Flat Owner)
Intended Plan:
I met Sharon and Chin Tee on June 15. A nice couple who had always been exploring options to upgrade from their current HDB, they never got to materialize their plans, and the question was really why? In fact, not only had they visited a few show flats, spoke to many real estate agents, done numerous financial calculations, they had even gotten a good balloting queue number for an EC. Yet, they chose not to purchase.
During/After Sharing Session:
I fully understood their grappling concerns when we finally met. One of the greatest reasons why most Singaporeans are not geared towards upgrading is the fear of risk – the risk of having the financial burden. After all, we are so accustomed to the safety net of holding a HDB flat. Why in the world should we put ourselves into any unnecessary financial risk/burden?
During our sharing session, I explained the importance of the theory of “Assets Progression” and why we should never stop looking out for opportunities. I also touched on why age and income play a hugely important aspect of our property assets progression plan.
Today, both Sharon and Chin Tee are the proud owners of a new 4 bedroom EC with a great potential upside. I am really grateful that I am part of their “Assets Progression” journey and I am just too excited for them and anticipate the day their key finally arrives.
Jesper/Jovalene (Sengkang EA HDB Owner)
Before Plan:
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.
During/After Sharing Session:
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.
Nuyen/Bryan (Yishun HDB Owner)
Intended Plan:
Met both Nuyen and Bryan in July 2015 and they are staying in a 4 room HDB at Yishun. What I admire about them was their desire to upgrade from their HDB to a PTE Property which I have always been advocating.
During/After Sharing Session:
As I was doing their financial plan, I spotted a huge problem that they will be facing if they continue to stay in their HDB for the next 20 – 30 years. And this is a common problem that most Singaporeans are facing unknowingly.
And what is the the problem? The potential possibility of facing a Negative Sale. Because currently, they only have a cash proceeds of $40,000 which will most probably be reducing throughout the years due to factors like CPF Accrued Interest and Limited Capital Growth.
Eventually, I assisted them to progress with their asset from a HDB to an undervalued New Project with a potential return of $150,000 – $200,000.

Wilson (Punggol HDB Owner)
Intended Plan:
Met Wilson during Oct 15 and he was currently staying in a 4 room Punggol HDB. During the initial sharing, he had no plans of any upgrading and intend to continue staying in the HDB till retirement. In fact his main objective was to fully pay his loan and remain debt free, thinking that it is the safest bet.
This is definitely a common mindset among Singaporeans and ironically, it can be the riskiest move. One of the main culprit is the use of a big bulk of CPF Funds plus accrued interest that will kill off his cash savings as he grow older.
During/After Sharing Session:
As usual, I stressed the importance of Assets Progression and after a detailed financial plan, I advised him to apply for another new BTO flat with the right entry price. This will at least ensure that he will have another potential capital gain of $150,000 – $200,000 for the second time.
Jayzen/Justina (Punggol HDB Owner)
Intended Plan:
Met Jayzen and Justina in July 2015 to discuss about their upgrading plans. Given the fact that they have 6 family members staying together, upgrading to an EA (Executive Apartment) for a bigger space would be a good choice for them.
However, upgrading for bigger space but with limited capital growth is not the right option. Just imagine enjoying this space while young but receiving little cash gains when old seems to be a bad scenario to be in.
During/After Sharing Session:
After a few rounds of detailed financial analysis with them, I managed to convince them to upgrade to a New Executive Condominium instead. What is even more wonderful was the fact that they have enough reserve funds that can be used to pay for their EC monthly bank loan installments without even topping up any cash at all.
Today, I am glad to assist them with the sale of their HDB and their purchase of a new 4 bedroom EC. On top of that, I have carefully selected a right unit for them with a fantastic view at the right entry price!

Mr Puvan (Punggol HDB Owner)
Intended Plan:
Initially Mr Puvan asked me for a discussion over the sale of his HDB as he had recently purchase a new Executive Condominium.
During/After Sharing Session:
After some discussion over his EC Purchase, I realised that he had selected a unit that may not generate a lot of capital growth in the near future. Why is this so? Because there are many contributing factors like the level, the facing, the entry price, when choosing for the right investment property.
Moreover, I could tell that it’s a unit that may not even suit his family requirements.
Eventually, we zoomed down to the right unit and he was lucky to make the change as his purchase is at the very initial stage.
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