The Million-Dollar HDB Lie (What the 2026 Data Really Shows) |🦖EP1367 #investingiguana
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🟩 Are you treating your HDB flat like a sanctuary or a sinking ship? For many Singaporeans in their 50s, the home is their single largest asset, yet it’s often a "dead" investment—rich on paper but providing zero cash flow. As we head into 2026, the market is flashing warning signs: transaction volumes are cooling, lease decay is accelerating for older flats, and a massive supply of MOP units is about to flood the market. If you’re sitting on a million-dollar flat but have an empty bank account, you might be piloting a luxury liner that’s slowly running out of fuel.
In this deep dive, we unpack the hard numbers behind the 2026 HDB market shift and what the "MOP Surge" means for your property’s value. We move beyond the headlines to explore the real financial risks of holding onto aging leasehold properties too long, especially as you approach the "Retirement Red Zone." I’ll walk you through actionable strategies to unlock your home's equity—from the Lease Buyback Scheme to right-sizing—transforming your flat from a passive bequest into a life-support machine that funds your golden years.
Stop relying on paper gains that you can't eat. It’s time to audit your portfolio and decide if your property is truly serving your retirement goals or just weighing you down. Watch the full analysis to understand why the "sell vs. hold" decision you make this year could define your financial security for the next two decades.
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