One Of The Best Negative Yield Asset We Can Buy

Before you read on, can you think of one yourself?








It's interesting to hear more and more people are now telling their friends how silly to put money "rotting" in the bank getting real negative yield after you factor in inflation.

But there are a few asset class that are good investments even when it's earning no or negative yields.

Today, I'll share one asset class in which 80% of Singaporeans live in them. 

Yes, it's HDB Singapore flats!

Unless you have paid your HDB flat in full with cold hard cash, most of us would have taken out a HDB or bank mortgage to finance this one of the biggest big ticket purchase of our lives. 

And by taking out a mortgage, aren't you paying interests instead of receiving one? It's negative cash flow and negative yield some more!!!

Just ask your parents - either they bought directly from HDB or from the resale market.

It's better to get your info from real people you trust than from statistics. 

How? 


Some may say HDB flats are 99 years leasehold and is not an asset and all that crap (pardon my french).    

Eh... Then why are you not renting instead? I listen to what you do; not what you say.


We are limited by our own imaginations and the lies we tell ourselves.

Some retired or retrenched HDB owners have discovered renting out a few spare rooms can generate some useful rental income.

Some who were posted overseas were happy to discover they can rent out their whole HDB flat and finally practice what they have learned from reading "Rich Dad; Poor Dad" - generate positive cash flow from their properties! (All theory no practice is...)  
 
Some Singaporeans have sold their HDB flats and uprooted themselves to landed properties in some of our neighbouring countries. With lower cost of living to boot! (Isn't it nice to have options? Unless of course you consider yourself a true blue Singapore born and bred vegetable. Last I heard, people are mobile; like our ancestors)


Now, who says great assets must have yields?