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Thread: Dynamic Wealth Creation

  1. #21

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    http://investmentmoats.com/wealth-bu...row-over-time/

    Summary

    I hope this data serves you well. I came out of this exercise reinforced why wealth building through properties will always be a better option for many because of the low probability of people losing money.

    There are some cautions, both on the positive and negative side:

    Returns or Prices do not include Rental Cash Flow, which could improve the returns
    Returns or Prices do not include leverage, which could improve returns or kill you faster
    Returns or Prices do not include closing costs, and interest paid, which could drastically reduce your returns.
    What interesting things could you draw from this data that I missed out?


  2. #22

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    http://www.calculator.net/interest-c...t=0&x=117&y=23
    start principal start balance interest tax end balance end principal
    1 $200,000.00 $200,000.00 $5,000.02 $0.00 $205,000.00 $200,000.00
    2 $200,000.00 $205,000.00 $5,125.01 $0.00 $210,125.00 $200,000.00
    3 $200,000.00 $210,125.00 $5,253.11 $0.00 $215,378.12 $200,000.00
    4 $200,000.00 $215,378.12 $5,384.45 $0.00 $220,762.58 $200,000.00
    5 $200,000.00 $220,762.58 $5,519.05 $0.00 $226,281.64 $200,000.00
    6 $200,000.00 $226,281.64 $5,657.04 $0.00 $231,938.68 $200,000.00
    7 $200,000.00 $231,938.68 $5,798.48 $0.00 $237,737.15 $200,000.00
    8 $200,000.00 $237,737.15 $5,943.42 $0.00 $243,680.58 $200,000.00
    9 $200,000.00 $243,680.58 $6,092.00 $0.00 $249,772.59 $200,000.00
    10 $200,000.00 $249,772.59 $6,244.32 $0.00 $256,016.91 $200,000.00
    11 $200,000.00 $256,016.91 $6,400.43 $0.00 $262,417.33 $200,000.00
    12 $200,000.00 $262,417.33 $6,560.43 $0.00 $268,977.76 $200,000.00
    13 $200,000.00 $268,977.76 $6,724.45 $0.00 $275,702.21 $200,000.00
    14 $200,000.00 $275,702.21 $6,892.56 $0.00 $282,594.76 $200,000.00
    15 $200,000.00 $282,594.76 $7,064.86 $0.00 $289,659.63 $200,000.00
    16 $200,000.00 $289,659.63 $7,241.48 $0.00 $296,901.12 $200,000.00
    17 $200,000.00 $296,901.12 $7,422.53 $0.00 $304,323.65 $200,000.00
    18 $200,000.00 $304,323.65 $7,608.09 $0.00 $311,931.74 $200,000.00
    19 $200,000.00 $311,931.74 $7,798.30 $0.00 $319,730.04 $200,000.00
    20 $200,000.00 $319,730.04 $7,993.24 $0.00 $327,723.29 $200,000.00
    21 $200,000.00 $327,723.29 $8,193.09 $0.00 $335,916.37 $200,000.00
    22 $200,000.00 $335,916.37 $8,397.92 $0.00 $344,314.28 $200,000.00
    23 $200,000.00 $344,314.28 $8,607.86 $0.00 $352,922.14 $200,000.00
    24 $200,000.00 $352,922.14 $8,823.05 $0.00 $361,745.19 $200,000.00
    25 $200,000.00 $361,745.19 $9,043.62 $0.00 $370,788.82 $200,000.00

    According to a CPF interest rate of 2.5%,
    $200,000 will grow to about $328,000 in 20 years if left untouched.

    http://www.sgadvisorsnetwork.com/wha...-cpf-after-mop

    CPF Used: $200k
    Interest (20 years): $128k
    Property Sale Profit: $100k
    Loss of income
    = -$28k (Negative Sale!)
    Last edited by Arcachon; 14th October 2017 at 06:29 PM.


  3. #23


  4. #24

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    Quote Originally Posted by Khng8 View Post
    Which project in your opinion would be able to achieve this now? I mean base on current entry price.
    This is a $4299 a year question, you can pay $4299 to find out.

    https://www.srx.com.sg/subscribe-srx-enterprise

    Or you can try https://www.edgeprop.sg/ it is cheaper.


  5. #25

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    Quote Originally Posted by Arcachon View Post
    Loan required $1,000,000.00

    Monthly income $10,000.00
    Interest 3.50%
    Loan Tenure 25 years
    Payment $5,006.24 0.6
    TDSR Pay required $8,343.73


    Loan Tenure 24
    Payment $5,137.14 0.6
    TDSR Pay required $8,561.90
    Required pay rise $218.17


    Loan Tenure 23
    Payment $5,280.11 0.6
    TDSR Pay required $8,800.18
    Required pay rise $456.45


    Effects on loans
    Loan Tenure will be shorten as one get older.
    Interest Rate likely to increase in the mid to longer term
    Maximum Loan amount will be reduced significantly.


  6. #26

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    Financial Techniques

    1. Cash out.
    2. Gear Up / Equity Term Loan.
    3. Stagger Purchase.
    4. Improve Cash Flow and Maximizing loan.
    5. Pledge & Unpledged.
    6. ABSD - Decoupling.
    7. ABSD - Trust.
    8. ABSD - Part Share.
    9. Commerical / Industrial Loan


  7. #27

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    Just finish 2 hrs CreditSavvy.com.sg talk, cost $3595 for 2 days 1-night program.

    http://www.creditsavvy.com.sg/

    Good for those who think only of HDB and EC.


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