My husband and I were totally ignorant about property investments when we first ventured into this. We are just normal employees, I was just an accountant and my husband was an engineer. Our incomes were not high and we were working hard to save money to provide the best education for our three children. But we decided to finally invest in property because Kelvin’s knowledge of the property market and advice made good sense.

Kelvin did a detailed financial analysis for us and explained to us the various bank and CPF policies that we could use to invest in property. He made us realise that we could make our money work for us instead of us working for money. Over the years, we had accumulated a substantial amount in our CPF Ordinary Account that could be “working” for us. Based on his analysis of all the different factors, like the property market, our finances, our appetite for risk, the financial tools available to us and so on, he recommended us to purchase our first property using 5% cash and the balance 15% with our CPF. We were also using our CPF to pay off the monthly mortgage, while getting rental income for the property.

I am pleased to say that Kelvin’s invaluable advice has helped us make more than $250K in profit. We have since added 2 properties to our investment portfolio, a studio at the Metz in Somerset and The Clift in the CBD area. Most recently, Kelvin also helped me make a quick $20K within one week for a property transaction at The Clift. This amount of money came in at an appropriate time as I needed it for one of my children’s educational fees.

My husband and I have been working for 20 years and to us, making more than a quarter of a million dollars of pure profit in just 1 year plus is simply amazing. We know that trying to save even $100K a year from our combined salaries alone would probably be quite impossible. So we are really very happy with the profits we have made. Not to mention that we were both totally ignorant about property investment to start with. If we had not listened to Kelvin’s advice, we would probably still be working hard for money and not using our money to work hard for us.

We are glad that we have someone like Kelvin who is so knowledgeable and patient in taking us through the property investment process, step-by-step, every step of the way.

Karen Sin & Freddy Lee