🕊️Retirement Planning
Live Free. Retire Early. Plan With W.A.T.E.R.
Retirement isn’t just a finish line — it’s a lifestyle you deserve to enjoy on your own terms, earlier than you think.
At David & Audrie Properties, we specialise in helping homeowners and aspiring investors plan for retirement using our proven W.A.T.E.R Concept — a property-based strategy that turns your real estate assets into a retirement engine.
💧 What is the W.A.T.E.R Concept?
W.A.T.E.R stands for Wealth Accumulation Towards Early Retirement.
It’s a structured property planning strategy we’ve developed to help individuals and families build up sustainable wealth and passive income — not by working harder, but by planning smarter.
We’ve applied the W.A.T.E.R Concept to help over 50 couples and individuals move significantly closer to their retirement goals, by optimising the way they use, hold, and grow their property assets.
🧭 What Happens in Retirement Planning?
Your Retirement Planning Session is a focused consultation where we:
✅ Assess Your Current Financial Position
We look at your CPF balances, property equity, mortgage structure, and total debt servicing ratio (TDSR/MSR) to understand your real position — not just on paper, but in potential.
✅ Calculate Retirement Gaps
We help you determine how much you need for the lifestyle you want, and identify any shortfall between your future needs and current trajectory.
✅ Model Property-Backed Solutions
Whether it's right-sizing, asset progression, or restructuring your portfolio, we’ll build a roadmap using property as your primary wealth vehicle — supported by actual case studies and numbers.
✅ Optimise for Cash Flow and Exit
Retirement isn’t just about getting there — it’s about staying there. We'll show you how to generate sustainable cash flow through rental income, reduce liabilities, and plan exit strategies that support longevity and legacy.
✅ Timeline Your Early Retirement
We’ll map out the milestones needed for you to retire earlier than traditional norms — possibly as early as 45 or 55 — based on your profile.
💬 Client Story
🗣️“David & Audrie helped us understand how our property could actually work for us. We always assumed retirement was decades away — but after following their W.A.T.E.R roadmap, we’re now planning to retire 10 years earlier than we thought.”
– Sharon & Andy, Age 44 & 47, Executive Professionals
💎 Why Retirement Planning is Different With Us
While others talk about waiting for retirement, we help you work towards it proactively through property as a wealth asset, not a liability.
We combine hard data, holistic planning, and deep market knowledge with a simple, clear approach — no jargon, no pressure.
🔔 Ready to Retire Earlier — and Better?
📅 Schedule your 1-to-1 Retirement Planning Session with us today.
Let us help you map out your retirement journey using the W.A.T.E.R Concept — the earlier you start, the stronger your flow.
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Singaporeans can invest in real estate directly through HDB flats (after fulfilling the Minimum Occupation Period), private residential properties such as condominiums and landed homes, commercial and industrial properties.
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Real estate is a good retirement option because it can provide a steady source of passive income through rental payments and helping to protect against inflation thanks to property values and rental income to rise over time.
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In Singapore, a good real estate return typically ranges between 5% and 10% per year, this amount include rental income and capital appreciation. Real estate investment is generally considered an attractive investment option, granted that it can outperform CPF returns after accounting for costs and risks.
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63 is the current retirement age in Singapore, but the retirement age will be increasing from 63 to 64 on the 1st of July 2026.
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The 3% Rule is a guideline for retirees suggesting that they can safely withdraw about 3% of their savings each year without running out of money too quickly for the duration of 30 years.
Investing in real estate can supplement retirement income by providing rental cash flow or REIT dividends, often yielding more than 3% per year. This means retirees can rely less on just withdrawing savings, allowing their money to grow while still covering living expenses.
Selling a property is one of the most significant financial decisions most homeowners will make. While some owners may consider handling the sale on their own, most experienced property owners that have sold and bought many properties in the past will advise you to have an entrusted and professional property agent.
From pricing strategy to negotiations and legal compliance, a property agent plays a critical role in helping you sell property while avoiding costly mistakes.