{"id":26323,"date":"2025-11-19T17:51:27","date_gmt":"2025-11-19T09:51:27","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=26323"},"modified":"2025-11-22T12:03:18","modified_gmt":"2025-11-22T04:03:18","slug":"property-vs-equities-why-singaporeans-prefer-real-estate-what-investors-should-focus-on","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/property-vs-equities-why-singaporeans-prefer-real-estate-what-investors-should-focus-on\/","title":{"rendered":"Property vs. Equities: Why Singaporeans Still Prefer Real Estate \u2014 And What Investors Should Focus On"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-attachment-id=\"26396\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/property-vs-equities-why-singaporeans-prefer-real-estate-what-investors-should-focus-on\/2048x1365-article-property-vs-equities\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities.jpg\" data-orig-size=\"2048,1365\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2048&#215;1365 Article &#8211; Property vs. Equities\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-300x200.jpg\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-1024x683.jpg\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-1024x683.jpg\" alt=\"\" class=\"wp-image-26396\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-1024x683.jpg 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-300x200.jpg 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-768x512.jpg 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-1536x1024.jpg 1536w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-630x420.jpg 630w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-696x464.jpg 696w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-1068x712.jpg 1068w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities-1920x1280.jpg 1920w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/2048x1365-Article-Property-vs.-Equities.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">New survey data shows that Singaporeans prefer property over equities, bonds, and other asset classes\u2014even as home prices hit record highs and interest rates stay elevated. But with shifting market forces in 2025, is property still the superior wealth-building tool?<\/h3>\n\n\n\n<p>According to the <a href=\"https:\/\/www.businesstimes.com.sg\/property\/more-3-5-singaporeans-prefer-invest-property-over-stocks-and-bonds-survey\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">ERA\u2013Ngee Ann Polytechnic <em>My Dream Home Survey 2025<\/em><\/a>, <strong>over 64% of Singaporeans rank real estate as their preferred investment asset<\/strong>, far surpassing equities, fixed deposits, bonds, commodities, and crypto.&nbsp;<\/p>\n\n\n\n<p>This inclination is deeply rooted in both cultural mindset and past experience. Property in Singapore has historically held its value well, supported by political stability, limited land supply, prudent regulations, and strong long-term demand.<\/p>\n\n\n\n<p>Yet what\u2019s notable is not that Singaporeans prefer property, but that preference persists despite substantial financial headwinds.<\/p>\n\n\n\n<p>The survey shows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>54\u201359% of condo buyers expect to spend S$1\u20132 million<\/li>\n\n\n\n<li>Around 20% are prepared to go up to S$3 million<\/li>\n\n\n\n<li>BTO buyers remain price-sensitive, mostly staying between S$500,000 and S$1 million<\/li>\n\n\n\n<li>6% of resale HDB buyers are willing to spend S$1\u20132 million for central or newer flats<\/li>\n<\/ul>\n\n\n\n<p>Even landed homes see strong aspiration, with 3 in 4 buyers planning to spend over S$3 million.<\/p>\n\n\n\n<p>In almost any other market, such numbers would dampen sentiment. But in Singapore, the belief in property as a stable store of value remains remarkably resilient.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>But Rising Costs Are Changing the Realities of Homeownership<\/strong><\/h2>\n\n\n\n<p>Despite strong demand, the road to buying a home is growing more challenging.<\/p>\n\n\n\n<p><strong>Affordability is the biggest issue.<\/strong> Mortgage rates have doubled from their pre-2022 lows, and homebuyers today face significantly higher monthly instalments. The Monetary Authority of Singapore (MAS) has flagged that mortgage servicing ratios have widened again, especially for younger families.<\/p>\n\n\n\n<p>The ERA survey confirms this sentiment: affordability and rising borrowing costs are among the top concerns for prospective buyers.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"633\" data-attachment-id=\"26324\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/property-vs-equities-why-singaporeans-prefer-real-estate-what-investors-should-focus-on\/image-180\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8.png\" data-orig-size=\"1200,742\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-300x186.png\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-1024x633.png\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-1024x633.png\" alt=\"\" class=\"wp-image-26324\" title=\"Chart\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-1024x633.png 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-300x186.png 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-768x475.png 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-679x420.png 679w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-696x430.png 696w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-1068x660.png 1068w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8-356x220.png 356w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-8.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Source: MAS, Nov 2025<\/figcaption><\/figure>\n\n\n\n<p>At the same time, <strong>policy measures like the <strong>Additional Buyer&#8217;s Stamp Duty (<\/strong>a property tax in Singapore levied on top of the standard Buyer&#8217;s Stamp Duty when purchasing residential properties)&nbsp;and property taxes<\/strong> continue to play a key role in shaping demand.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>32% of respondents say ABSD is a major deterrent<\/strong>, stopping them from buying a second investment property.<\/li>\n\n\n\n<li>Higher property taxes, introduced from 2023 onwards, reduce rental yields and increase holding costs.<\/li>\n<\/ul>\n\n\n\n<p>This environment has contributed to a softening in some segments. Cushman &amp; Wakefield\u2019s Q3 data showed a <strong>notable increase in loss-making resale transactions<\/strong>, including a large transaction that resulted in a 14.2% annualised loss over just over three years.<\/p>\n\n\n\n<p>While this does not represent the broader property market, it suggests that the once-assumed \u201calways-profits\u201d narrative is no longer universal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Does This Mean for Singapore\u2019s Property Market Outlook in 2025?<\/strong><\/h2>\n\n\n\n<p>The latest findings point to a property market that is still underpinned by strong fundamentals, but with several emerging stabilisers that may moderate price growth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Price growth is likely to stabilise, not surge<\/strong><\/h3>\n\n\n\n<p>Demand remains resilient, but affordability limits how much higher prices can realistically climb. Wage growth is slowing, interest rates remain elevated, and new supply is gradually normalising. These factors collectively put a natural ceiling on price acceleration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Investment demand may cool further<\/strong><\/h3>\n\n\n\n<p>With ABSD remaining high and property taxes rising, investment buyers may remain on the sidelines. Rental yields, already compressed, are unlikely to offset the higher cost of property ownership for many.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Upgrader demand remains strong, but more spaced out<\/strong><\/h3>\n\n\n\n<p>Upgrading aspirations are still high, but income growth and savings accumulation are not keeping pace with rising prices. This delays upgrading cycles and tempers immediate demand.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Location and convenience remain key<\/strong><\/h3>\n\n\n\n<p>Transport connectivity and proximity to amenities remain the top buying criteria. These structural preferences anchor demand in well-located areas, even during periods of softer sentiment.<\/p>\n\n\n\n<p>Overall, property remains a solid long-term asset, but investors should temper expectations. The coming year is more likely to bring <strong>stable prices and slower growth<\/strong>, rather than the strong appreciation of the past decade.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Equities Compare And Why Investors Are Paying More Attention<\/strong><\/h2>\n\n\n\n<p>While property dominates in sentiment, equities are increasingly becoming the second pillar of wealth for more Singaporeans, especially younger investors. And from an investment perspective, equities may actually have stronger tailwinds going into 2025.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Equities historically outperform property<\/strong><\/h3>\n\n\n\n<p>Over the last 20 years:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>MSCI World Index<\/strong> returned ~8% per year<\/li>\n\n\n\n<li>The <strong>S&amp;P 500<\/strong> returned ~10% per year<\/li>\n\n\n\n<li>Singapore private residential property returned an average of 3\u20134% per year<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" data-attachment-id=\"26325\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/property-vs-equities-why-singaporeans-prefer-real-estate-what-investors-should-focus-on\/image-181\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9.png\" data-orig-size=\"1356,848\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-300x188.png\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-1024x640.png\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-1024x640.png\" alt=\"\" class=\"wp-image-26325\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-1024x640.png 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-300x188.png 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-768x480.png 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-672x420.png 672w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-696x435.png 696w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9-1068x668.png 1068w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2025\/11\/image-9.png 1356w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>Source: Google Finance, as of 19 Nov 2025<\/em><\/figcaption><\/figure>\n\n\n\n<p>Equities carry volatility, but they compound faster.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. A favourable macro environment supports equities<\/strong><\/h3>\n\n\n\n<p>If inflation continues moderating and interest rates continue easing, global equities are well positioned to benefit.<\/p>\n\n\n\n<p>Corporate earnings in the US and Asia remain resilient, and sectors like AI, cloud computing, logistics, and healthcare continue to show structural growth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Liquidity and diversification provide flexibility<\/strong><\/h3>\n\n\n\n<p>Unlike property, equities can be bought or sold instantly, allowing investors to adjust to changing market conditions. Investors can diversify across regions, sectors, and risk levels, which is not possible with a single property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Equities help investors start building wealth earlier<\/strong><\/h3>\n\n\n\n<p>With no large downpayment required, equities allow young investors to start compounding early instead of waiting years before they can enter the property market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Property or Equities?<\/strong><\/h2>\n\n\n\n<p>The reality is that <strong>most Singaporeans will invest in both<\/strong>, but with a different emphasis depending on their stage of life.<\/p>\n\n\n\n<p><strong>Property<\/strong> offers stability, forced savings, and long-term appreciation, but it requires large capital and comes with rising maintenance costs.<\/p>\n\n\n\n<p><strong>Equities<\/strong> offer higher long-term returns, better liquidity, and lower barriers to entry, but they require emotional discipline and a longer time horizon.<\/p>\n\n\n\n<p>In 2025, with property price growth likely stabilising and equities facing a potentially more supportive macro environment, a <strong>balanced approach<\/strong> can help investors capture returns while managing risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Build a Balanced Wealth Strategy With Syfe<\/strong><\/h2>\n\n\n\n<p>For Singaporeans who want diversified exposure to both real estate and global equities (without overstretching financially), Syfe offers accessible, research-backed portfolio options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Syfe REIT+ Portfolio<\/h3>\n\n\n\n<p>Get broad, diversified exposure to Singapore\u2019s largest and most established REITs, tracking the SGX iEdge S-REIT Leaders Index. With <a href=\"https:\/\/www.syfe.com\/reit-plus\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Syfe REIT+<\/strong><\/a>, you can enjoy property-linked returns with lower capital requirements, daily liquidity, and transparent fees.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/reit-plus\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore REIT+<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Syfe Core Portfolios<\/h3>\n\n\n\n<p>Syfe\u2019s array of <a href=\"https:\/\/www.syfe.com\/core\"><strong>Core portfolios<\/strong><\/a>\u2014Core Equity100, Core Growth, Core, Balanced, and Core Defensive\u2014each carry a blend of global equities, bonds, and commodities, offering a stable, long-term foundation aligned with your goals and risk tolerance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/core\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore Core portfolios<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>REIT<\/strong>+ and <strong>Core<\/strong> let you access both the stability of real estate and the growth potential of global equities. Build a diversified portfolio with these professionally managed portfolios for long-term growth and income generation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Read More:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/singapore-reits-rebound-q3-2025-outlook\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Great Rebound: Singapore REITs Q3 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/what-fed-interest-rate-cut-means-for-singaporean-investors\/\" target=\"_blank\" rel=\"noreferrer noopener\">What a Fed Rate Cut Means for Singaporean Investors<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/how-to-pick-resilient-reits-in-singapore-property-market-recovery\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Pick Resilient REITs in Singapore\u2019s Property Market Recovery<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/the-power-of-dollar-cost-averaging\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Dollar-Cost Averaging Builds Wealth Over Time<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/why-markets-go-up-in-the-long-run-how-to-stay-invested-market-trends-insights-dollar-cost-averaging-auto-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Why Markets Go Up in the Long Run and How to Stay Invested<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>New survey data shows that Singaporeans prefer property over equities, bonds, and other asset classes\u2014even as home prices hit record highs and interest rates stay elevated. But with shifting market forces in 2025, is property still the superior wealth-building tool?<\/p>\n","protected":false},"author":3,"featured_media":26397,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[25,289],"tags":[652,663,1020,199,1021,208],"class_list":{"0":"post-26323","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investment-insights","8":"category-market-insights","9":"tag-equities","10":"tag-investing-insights","11":"tag-property-investing","12":"tag-reits","13":"tag-stock-investing","14":"tag-stocks"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Property vs. Equities: Why Singaporeans Still Prefer Real Estate \u2014 And What Investors Should Focus On<\/title>\n<meta name=\"description\" content=\"New survey data shows that Singaporeans prefer property over other asset classes. 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