#85: Investment Fears, Aligning Property with Retirement & Legacy Planning

In this episode, Jun Wei, Jesley and George from PropertyLimBrothers introduce a fresh series that brings property investment strategies to life through personas representing different stages of life and risk tolerance. They spotlight on the ‘Autumn’ and ‘Winter’ personas, designed for older, more cautious individuals. Through the example of Peter and Lucy, a high-income couple in their 40s, we see how their investment approach starts leaning toward stability and future planning.

 

With Peter and Lucy as the case study, they highlight key aspects like income levels, mortgage strategies, and the importance of staying within safe borrowing limits. They also tackle the balance between financial security and property appreciation, focusing on choosing the right property for their future.

 

The trio lays out Peter and Lucy’s options in areas like Bukit Timah, with decisions based on school proximity, budget, and long-term goals, including a break down of their loan amounts and monthly payments to their quantum play potential for investment flexibility. The search for Peter and Lucy’s ideal property is focused on future-proofing—how cooling measures, CPF retirement sums, and the luxury rental market impact property choices for those planning beyond retirement. Find out what works best for them. If this persona fits you, this episode is not to be missed!

 

Timestamps:
00:00 Intro
01:50 4 seasons recap
03:58 Peter & Lucy profile (Autumn season)
08:05 Talking about desires
09:57 Advice for Peter & Lucy
16:15 Purchase options
19:46 Needs vs wants
25:05 Regulation for school buses & school selection
28:55 Kids FOMO
30:45 No perfect house
31:43 Landed Private Transactions (Jan 2023 to Jan 2024)
38:41 Focusing on the quantum play
41:58 School bus transport students living within 4km of their schools
43:52 Summary
48:48 Looking through BRS retirement sum
50:58 Next episode teaser
51:34 Outtakes