Singafrog Finances - Retirement Planning Cheat Sheet
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Email martpasquier@gmail.com to get updates
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Singafrog Finances - Join our next event http://peatix.com/event/177057/
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Mutual Funds (iFast)Land-Banking (Walton Investment)Debt-based crowdfunding (New Union)REITsHard AssetsCrypto-currency trading (Kraken)Condo in the PhilippinesFunding Societies Real-estate crowdfundingSingapore real-estateService appartment or hotel in SEAMalaysia real-estate
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In two linesPicking up "exchange-traded funds" and making a portfolio to balance risks. Funds represent bags of different stocks/bondsInvest in a plot of land (Canada, US) alongside other co-investors. Land-banker help value the land for resale at higher price to developers.Help small companies get working capital. Each SME defines its target amount, and several people can crowdfund the debt with fixed returnsReal Estate Investment Trust: you invest in a real-estate holding company, giving you back dividends (and you can trade the REIT itself)Ever dreamt of owning a cow, a container or a forest? Similar to Forex, buy and sell bitcoins, ether, litecoins and other crypto-currenciesReal Estate Investement for own or rent (Condominium). possibility of SRRV -Special Resident Retiree's Visa - PRA: Philippine Retirement AuthorityImmoCratie, Co-AssetsBuying, renting or selling property in Singapore as a foreigner, a PR or a local: as many situations as opportunities. It is thought the SG market today is overpriced and give poor returns on traditional real-estate (condos), next incline in the market not expected before 8y!Buy a good which is managed by professionals and get a monthly rentBuying property in Malaysia seems like a risky bet. Foreign investors need invest for at least 1m MYR (vs 250k MYR previously). Virtually no second market for pre-owned properties by foreigners!
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Risk levelBased on profile assessment (low to high)medium to highrelatively liquidunknownunknown highLow to medium, HighMediummedium to highHigh
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Liquidityvery liquid (come in and out as you want)illiquid and lo4cked for 5-10 yearsunknownunknownvery liquidilliquid.relatively liquid (locked for 12-24mths)relatively illiquid illiquidilliquid (no 2nd market for foreigners)
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Minimum investmentSuggested $1000/mth on a long-term basisUSD10000 for 1 unit$5000 per investmentunknownunknown$150000 USD for SRRV, lowest condo price arround 1.6M php (16 sqm)Immocratir €3kseveral hundred thousands dollars1m MYR
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Recommended timeframe5-8 years5-10 years3-12 monthsunknownunknownbased on trade windsPresaling 1 to 5 years for better price and opportunities or RFO6-24 months2-20 years?
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Average returns5-12%12%6-9%unknownunknownunknownFollowing the project, yearly 10-15% capital appreciation & 50-60% return on Investment for best opportunities. Yearly 6-10 % for most common properties,10-15%??
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Fee structure1.8% platform fees, 1% advisor feesincluded in initial investment$88/y for account + 0.1% withdrawal fees + 5% earned dividends feeunknownunknown0% to 0.26% depending on currenciesVAT FREE < condo price 3199200 php < VAT 12%, VAT apply to parking units. Fee on each condo 6.5% (Documentary stamp, Title transfert fee, creditable withholding tax, utilities installation and real property taxe)agent commissionagent commission
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Best foranyonecivil servants, busy professionalsSME lovers : )unknownunknownForex nerdsInvestors or Retirement, secure capital. want to live in Singapore on the long-term, and are PR at leastMalaysian nationals
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Methodology Assess risk profile, commit to a given amount to top-up every month, accept volatility, and enjoy compound interestsCheck different available projects, understand growth perspective for each (jobs, city planning, demographic trends), pick a project and wait 5-10 years for exit. Only project with 60% votes for "yes, let's exit" are exitedBrowse projects, check company profile, accounts and perspectives, commit and wait for end of term to get dividendsunknownunknownPick a trading platform (eg Kraken), top-up with bank transfer, and start trading instantlyfor SRRV via PRA : deposit 50000 USD to special bank account and allocation of the deposit for a property investment.
Advice only invest in famous developers and choose good location (ex Makati, the Fort). Buying a land or villa is possible too (contact me for details).
Payment type : Spot cash (best discount), Deferred cash, Spot DP, Spread DP, Easy Payment Scheme.
Buying in Island (ex BOHOL island, new international airport building now) is very good opportunity too.
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Contactsolivier@ippfa.comjebie.ganda@walton.comclay.teoh@newunion.sgnoel.neo@aprea.asiakraken.comFranck Dufau
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Singafrog Finances Meetup
Panel discussion Monday 13th June 7pm at the Hub (128 Prinsep Street) m
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