Security Equipment Business Owner Secures His Children's Future

Alvin Sim is a proud father of three and like most families, he is feeling the cost of living pressures and constantly worries about the future of his children. The spiralling housing prices and persistent high inflation is making it harder for the younger generation to afford a home and start a family. As such, he invests his money across a variety of assets and financial instruments to provide his children with a better future.

Alvin Sim is the founder and owner of a security equipment business that supplies and installs security equipment such as CCTV and door access systems. He has three children aged between seven and eleven. While he has not imparted investment advice to his kids, the proud father who has a degree in Business Administration teaches them the importance of controlling their spending. He advises his kids to buy necessities and not to waste money on wants.

A Diversified Investor who is a Risk Taker Unfazed by Past Losses

Alvin has no fixed investment strategy. He invests broadly by not only owning stocks and dabbling in Forex but also relies on robo-advisors to guide his investment decisions. However, his investment journey is far from smooth. Take for example an investment-linked insurance policy which he terminated after 27 years due to underperformance and on U.S. real estate. In both instances, he lost half of his capital.

In spite of these setbacks, Alvin takes them in his stride. “There is no point crying over spilt milk. You just have to pick yourself up and move on rather than lick your wounds. There are learnings in every failed investment, and in the next one, make sure you do it better.” Alvin has a high risk tolerance and is willing to accept a loss of up to 50% for higher returns. He adds, “If you have too much reservation on an investment opportunity, you will hesitate and miss the boat.” However, he cautions not to jump blindly into any investment without first conducting due diligence.

Invest with RealVantage to Gain Exposure to the Property Sector

Despite losing money on U.S. properties, Alvin still wants to stay invested in the property sector. He blames poor property management agents in the U.S. for his losses. While his U.S. properties were underperforming, the Singapore sales office that sold him the property closed down, leaving him with no choice but to seek legal recourse to recover his capital. This experience left a sour taste in his mouth.

Alvin discovered RealVantage through a Facebook ad. Initially he was hesitant to invest after his recent experience with U.S. properties as most of the deals on the platform are located in foreign countries. However, he felt assured that RealVantage is an investment platform that is regulated by the Monetary Authority of Singapore (MAS) and helmed by real estate veterans. Additionally, RealVantage allows him to gain exposure in the real estate sector with a low capital outlay by way of fractional ownership compared with other forms of real estate investments. To him, the costs of owning a second property in Singapore is just too prohibitive.

Willing to Invest for the Long Term

Alvin adopts a long-term investment horizon of around 10 years to go along with his high-risk appetite. He believes a longer time frame allows for more capital growth and hence better returns. He is especially attracted to RealVantage deals with a projected internal rate of return of between 12 to 15 percent, for an investment period of about four to five years.

So far, Alvin’s experience with RealVantage has been positive, and he will not hesitate to recommend this platform to his friends. “RealVantage has a physical presence in Singapore and is a holder of a Capital Market Service (CMS) licence from MAS. This certainly allays the concerns of many investors,” says Alvin.

About RealVantage

RealVantage is a leading real estate co-investment platform, licensed and regulated by the Monetary Authority of Singapore (MAS), that allows our investors to diversify across markets, overseas properties, sectors and investment strategies.

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Disclaimer: The information and/or documents contained in this article does not constitute financial advice and is meant for educational purposes. Please consult your financial advisor, accountant, and/or attorney before proceeding with any financial/real estate investments.