PropertyWise Pte Ltd UEN201101459D is registered, governed by
Singapore laws. We are not licensed by MAS to give financial advice.
We will never ask for money other than product sales on this website

Sceptical?  Perfectly understand.

To make it even more unbelievable, I’m talking about REITs with blue-chip names, with bulk of assets right here in Singapore!

Don’t dismiss it yet as I’ve been living that mortgage-free life here in Singapore since 2022!

S$16,000* a month of passive income in 30 years when you retire is just mind-blowing and, like they say, be careful when it sounds “too good to be true”?

Not when you understand the principles behind the model I’m revealing through this course, and when you realise it’s all about blue-chip REITs investing in Singapore, not crypto, forex, options, some trading system or the next shiny object.

Alright, maybe getting to $16,000 in 30 years is too long a wait for you.  How about I show you a system to first get to $500,000* property portfolio in just 6 years!  To do that, I’ll feature a live demo portfolio which started with just $25,000 end of 2024 and a monthly commitment of $750, and showcase its growth from 2025 till 2030 as we go along, right on this page!

(Disclaimer: This is not an investment product.  You’re not putting money with me, but simply doing your own trades. This product is for education purpose and not financial advice. All REITs shown or listed on this page are for illustrative purpose and not recommendations.  I’m not licensed by MAS in Singapore to give financial advice.  Seek qualified advice when in doubt.)

As the model you’re going to learn is highly scalable, you can start this portfolio with just $2,500 instead and end up with $50,000*, or with $250,000 and walk away with close to a whopping $5 million* in 6 years!

I can say that with so much certainty as my model is not dependant on luck or speculation unlike other methods, but organic inflation over time.  More on this demo portfolio later.

This may be a long read but trust me, you could be on the cusp of financial F.R.E.E.D.O.M. if you could get on the bandwagon of real estate investment trusts (REITs) early.

My name is Darren Goh.  I am not one of those social media finfluencers you see doing videos and postings regularly.  I am just the author of the book Mortgage-Free In 6 Years, selling in all major bookstores like Kinokuniya and Popular in Singapore, sharing my knowledge.

I am also the business owner of MortgageWise.sg, a Singapore home loan consultancy firm, which just celebrated its 10th year of operations in 2024.  I launched this financial and mortgage education cum retirement planning website to share this new transformative knowledge which I hope will help to free people everywhere from the stress of mortgages and improve financial literacy in Singapore and beyond.

You may have landed on this page through an invite link, whilst searching online for mortgage rates, or you’re googling for ways to make passive income through affiliate marketing.

Doesn’t matter how you get here, but I want to show you a new way of wealth creation few would have thought possible, until I combine my knowledge and experience in REIT investing with my expertise in mortgage structuring.

Given the cost-of-living crisis we all face everywhere, it’s becoming even more imperative to build passive income and gain financial independence early.  REITs are going to be huge, riding on secular growth trends under-appreciated by many who chase after only real properties.

* (Applicable to foreigners) Subject to interest rate not going into anomalies like the Great Inflation of 1965-1982 and other typical investment risks; becoming mortgage-free on S$16,000 a month income and S$4 million retirement assets will require additional ownership of a Singapore private property and the meeting of certain loan & seed capital requirement.

Banks like DBS have already started the ball rolling with announcement of estimated 4,000 temp and contract workers to go over the next 3 years.  More will follow.

Doing it on the quiet through natural attrition without replacement is also retrenchment in kind.  Bottom line is: there will be job losses across many sectors, when machines and robotics take over humans.

At the same time, many have yet to fully grasp the magnitude of the impending financial tsunami hitting us, with an aging population globally in the next 10-20 years.  Those who pay the bills for elderly folks in the family including hospital rider plans (known as private shield plans in Singapore) would have been given a glimpse of this in recent years.  That’s just the tip of the iceberg.  Inflation, especially rising medical and healthcare costs, will kill us insidiously.

Don’t just focused on making capital gains which can come fast but go quickly as well.  Those who dabble in stock market can attest to that.

Don’t wait till it’s too late to start building passive income whether through REITs or other means.  Because it takes time to do that well and get to scale. I’m showing you one of the fastest way, which still takes 6 years!

Stop trading time for money.  Time is your life, and hence your greatest wealth.

You see few of us are financially ready for any extended periods of disruptions in life today (we hope not), let alone saving enough for retirement.

There’s a very simple way to explain the urgent need for retirement planning.  Rule of 72 dictates that if you take 72 divide by the rate of return, that’s the amount of time needed to double your sum of money.  This means if inflation stays at 3%, prices will double in just 72/3 = 24 years when you retire.  That cup of coffee will cost twice the amount.  The same goes for restaurant meals, travel plans, and almost everything else when you retire.

So, if you think as a couple you need S$10,000 income a month to retire based on today’s value, you’ll need S$20,000 in nominal terms to derive the same utility value in 24 years!  That’s S$240,000 of cash-burn every year on living expenses just to retire in a get-by mode, not lavish.  

Even for Singaporeans who has the luxury of CPF Life’s highest tier (Singapore’s national annuity plan) combined payout of about S$6,000 for a couple every month on the basic plan where there’s bequest, you would still need to burn around S$168,000 every year on living expenses.  And that’s not counting medical inflation, mind you, which is not inflating merely at 3%, but 10x of that!

You may think your salary, adjusted for inflation, will go up too over time and cover that correspondingly.  Sure, however, that rate of growth slows as income rises.  In fact, it could even stop completely with income going to zero in our late 40s and 50s.  But you can’t stop inflation. 

Doing the sums and assuming a safe withdrawal rate of 3% from your portfolio after you stop working, you’ll need close to S$6 million of assets when you retire!  If you’re thinking of investment properties for that, you need to buy even more as the net yield for property is much lower (less than 2% after all costs).  How else to avoid running out of money during retirement?  Kill the goose that lay the golden eggs and sell some assets?

Many, including my fellow countryman here in Singapore, have yet to make the discovery – how there exists a unique autopilot cash flow system to achieve not just mortgage-free living, but financial success.

And one which works only in Singapore and few other places where all the conditions are favourable! (it works for foreigners too, so long you’re open to invest in Singapore properties).  Made possible only when you combine the understanding of mortgage structuring with the knowhow & experience of REIT investing in Singapore!

This is why I’m launching this self-study program officially in 2025, to share what I learnt, at a special launch promo price of 20% off (see below) for a limited period only.

Hopefully, it will challenge some widely-held beliefs and open the minds of more people to this excellent asset class which is right here in our own backyard!  Instead of madly chasing after real properties and capital gains everywhere else.

Just to be clear.  I am not one of those trainers or “gurus” selling you online courses through long-copy hard-selling landing pages which you find a dime a dozen on the internet.  You won’t see photo testimonials of “strangers” and their bank accounts as proof, neither can you sign up for some free VVIP preview to be sold even high-ticket courses!

I’m just an author who has put together a whole self-study program alongside my new book, which comes complete with hands-on tools, templates, step-by-step instructions and useful resources available to those who want to learn a new system of wealth creation never been taught before.

Still doubtful of such a system?  Like what they say, the proof of the pudding is in the eating.  The VVIP preview here is the book itself!

You can simply buy the book for US$25 (ships free in Singapore, US$15 to U.S. and selected countries)!  Or just grab it at Kinokuniya, Popular and all major bookstores in Singapore where my entire thesis is open for your scrutiny! 

This book will reveal all the secrets on how a middle-income salaried worker, who owns just one private residential property in Singapore, can potentially retire with up to S$4 million* assets and up to S$16,000* passive income every month at the end of the mortgage term!

It’s not a typical self-help book that you just “read, understand & chuck away”.  It’s a practical workbook, laden with ideas, steps, excel worksheets, and above all, a powerful financial model. Within those 300 pages, you will discover the exact strategies and methodology I use to become mortgage-free.  No holds barred.

So far, from the emails I receive on the book, the feedback has been encouraging as people have been truly inspired by this new transformative knowledge which has never been taught before anywhere.  But they can use some help to execute the whole system and to become consistent – the key to success!

* (Applicable to foreigners) Subject to interest rate not going into anomalies like the Great Inflation of 1965-1982 and other typical investment risks; becoming mortgage-free on S$16,000 a month income and S$4 million retirement assets will require additional ownership of a Singapore private property and the meeting of certain loan & seed capital requirement.

The question is how can you be consistent?  That’s the biggest problem with all the courses you attended and paid for over the years.  Everybody can start, but not many can finish and succeed.

Can you truly master something just by watching webinars or attend a summit over a weekend?  Life gets busy soon after, even though you have thousands of resources, videos, refreshers you can go back to, but few ever found the time or even the initial zest.

It’s been said that the difference between head knowledge and actually mastering something is 21 days.

Why so? You need to get into success habits or routines which form only after 21 days. And just to extend that, to become an Olympic champion in any field after that – 10,000 hours!

In this course, I’ve determined that to see some initial results, you need to be consistent in following every step for 12 months.  And that’s exactly how the course is designed with emails to hand-hold you every 2 weeks until you get into the routines after 12 months. 

The course content is written from a very different perspective from the book as it focuses on practical application with step-by-step instructions, templates, alerts and powerful resources to help you start up the entire autopilot cash flow system and build your $500,000 property portfolio on REITs in 6 years first, before finally become mortgage-free!

Head knowledge is useless.  You can always read a book for that, which sadly some can’t even finish one these days.

That’s what this Startup course is all about – go beyond head knowledge and into execution.  Not just to help you start up the whole system and stay consistent in execution month in and month out.  That’s why you need all the prompts and alerts.

It comes with the book thrown in along with just two special bonus gifts to help pay for the entire course fee of US$247 many times over, and possibly paying you every year after that!  Find out more details below on the first-ever mortgage affiliate program and a powerful trading account I’ve put together for you, exclusive to subscribers of this course.

There’s no need to reinvent the wheel and avoid many of the beginners’ mistakes which can prove costly.  Why not invest a little more and go for the course straight?

Finally, let me make it a no-brainer for you, if you act fast.  Let me show you why this Startup course could possibly be your best retirement plan for a 20% off launch special at US$197 but only for a limited period, further backed by a 30-Day Money Back Guarantee! 

That’s right.  Check under the hood, and if you don’t see the full value in it, keep the book (non-refundable item including any courier cost) and we’ll gladly refund you the balance of US$197 – US$25 = US$172 within 30 days. No questions asked.

There ain’t many wealth courses out there which you can “preview” with a fast-selling self-help book of the same title.  I’ll even invite you to sample a free chapter below.

US$247 Now US$197

(Guarantee excludes cost of book & delivery)

See Course Outline

H

ow can you build a $500,000* property portfolio in REITs, or for that matter any investment portfolio, within 6 years, starting with just $25,000 and an initial monthly commitment of just $750? (This is not another course fee to pay, you’re simply investing your own money using your own trading account)

Now, I understand a S$500,000 portfolio could be nothing to some who are successful investors in their own rights, with multi-million worth of property holdings and retirement funds.  This course is not meant for you to be honest.  Still, you can double or triple your wealth by following the same system.

For the rest of us, it’s hard to even think about hitting this target, let alone within 6 years.  The usual answer will be to invest (perhaps more like speculate) in technology stocks and hope to hit the jackpot with the next Nvidia or Tesla.  Try bitcoin for some?  How about some new-found trading strategies in forex, options, CFDs, and the list goes on.

But how certain can you be that you will get to a pot of $500,000* within 6 years?  How can you be sure not to let any single mistake of losses wipe out all your earlier gains and set you back from your target?  Perhaps you diversify like what many experts advocate, which means any big win in one investment may not give you a home run just yet.  You might need more time.

What about the love affair for Singaporeans (and many other nationalities too) – investing in properties?  With leverage of 75% loan-to-value (LTV), a 25% rise in prices will see you reap a 100% return on your capital.

So, to make S$500,000, you first need to have more than S$500,000 capital (to pay for exorbitant taxes) to buy a S$2 million investment property with a loan of S$1.5 million and hope for a minimum 25% rise in prices over the next 6 years.  How likely is there?

With the use of leverage, investing in real residential properties directly may be your best bet to hit a pot of $500,000 in 6 years with the resilience in price of Singapore properties over the last two decades, but there are risks involved as it is capital-intensive, attracts high taxes, and you may not always have the rent, nor the income from your job.  Nothing is certain.

Of course, to avoid all risks, simply saving $750 a month can get you to a pot of $50,000 in 6 years.  But you’re looking at making 10x of that.

Let me show you another option in this Startup course without risking so much, one which almost every one can attain.

I call it a carefully-crafted Attack Plan, which comes in a formulated and customisable worksheet, to help you build a $500,000* property portfolio in REITs (based on initial entry price, in S$ or US$ for our overseas friends) with one-time $25,000 investment and an initial monthly commitment of just $750 within 6 years.

It’s a system I’m so confident it will work, with a high degree of success as it combines two powerful methods of fundraise I expounded extensively in Chapter 20 of my book, that I’m going to show you literally.

I

f you think you are paying US$247 US$197, you’ll be surprised it’s the other way round – you’ll be paid, and much more!

How do you make the whole course pays for itself?  Other than creating the first-ever mortgage affiliate program where everyone to whom you introduce the program will entitle you to a 20% commission (US$50), paid in cash to your PayPal, we need to do one more thing.

We need to create so much value that people will want to stay subscribed to it every year!

It’s a subscription model because at the end of the 12-month course, you’ll be invited to renew the subscription for another year at about the same price, or you can simply opt out and continue on your own.  Chances are you probably won’t want to put a stop to all the benefits.

First, there’s add on BONUS GIFT #2 of a Powerful Trading Account (more details in next section) with the lowest brokerage fees and interest rate for trading in SGX, saving you loads in transaction costs in REITs.   This is exclusive to only those who stay in the subscription.

Next, imagine getting paid every year, over and over again, with a 20% recurring affiliate marketing commission (or US$50) for life# when more people discover the true value in this whole autopilot system to become mortgage-free!

Trust me.  When you master the whole system to become mortgage-free in 6 years, you won’t want to keep everything to yourself.   You’re gonna share it with friends, colleagues and family members.

What better way to promote this program than to share a part of my product margin as affiliate commissions and create of the best affiliate program in Singapore for all my loyal advocates?  Better that than paying social media companies and google ads.

Simply share your unique affiliate link and get rewarded for sharing this transformative new knowledge and doing good at the same time!

For the first time, everyone can earn passive income doing affiliate marketing “offline”!  You don’t need a website or business to do this (those new to affiliate marketing may find the FAQs on our affiliate program Singapore page useful). 

Let me show you the potential of what that means.

We’re talking about over a lifetime here.  Certainly, you’re going to be able to refer at least 10 friends/colleagues!

If the program is as good as it claims (which I am confident), surely then you will want to include your own family members and close friends as you’ll want them to enjoy the same benefits which can’t be shared as it’s a personal self-discovery journey.

This means for those living in Singapore, with 10 referrals, you could be earning average affiliate marketing commissions of S$50 every month!

Is this some kind of MLM, pyramid scheme or Ponzi scheme? Absolutely not.  There’s no down line. There’s only one level.

The product owner is simply sharing 20% of the product margin every year, but collectively the scheme will work to give everyone recurring and passive affiliate marketing income for life*, when everyone renews!

Besides helping free lives from the stress of mortgages, I am delighted what this can do for our social mission – to help build another kind of social safety net in Singapore, and in a sustainable way.

For fellow Singaporeans, this is akin to receiving a S$500 CDC voucher (government social program) top-up every year. In fact, being digital, this social safety net could stretch beyond boundaries to all those with the need.

If you see the same vision as us, join in this movement.

# Based on unlimited annual renewals unless program is stopped due to fraud or technical reasons, other terms apply.
**For professional affiliate marketeers with huge followers or mailing list

US$247 Now US$197

(Guarantee excludes cost of book & delivery)

See Course Outline

That’s right.  It’s a power pack of value conservatively estimated to be worth a total of almost US$1,300:

– 300-page workbook: US$25
– Startup course itself: US$247 (Usual)
– Knowledge to build a $500,000 portfolio: Priceless
– Affiliate commissions: US$500 per annum
– Special trading account: US$500 per annum

Become a winner not in a boxing game, but more importantly, in the game of life! You don’t master a skill through watching webinars. Life’s distractions will eventually crowd out your interest. You’ve got to be hands on, work through a set of routines, system and structure. That’s what this Startup course is all about – to master the skills to become mortgage-free in 6 years!

Alternatively, can you buy the book and read it first?

You can certainly do that too as, like I said, this is not a hard-sell landing page. By all means check out the book and the main thesis first.

Like I promised earlier, I’ll even invite you to sample a free chapter below.

(But remember you won’t enjoy all the Startup course benefits listed on this page with just the book purchase.)

For those who are disciplined and resourceful enough, you can certainly try to put all the new knowledge into practice on your own by just reading the book.

But, as with all things in life, there will always be a steep learning curve for beginners.  Without the help of a structure and system of doing things, you’ll likely struggle and may even stumble and make some mistakes.  Just come back later for this Startup course when you’re ready.

Or, if you’re decisive and determined to make a change to your financial and retirement outcome, get this Startup course today at our special introductory price of US$197 (Usual Price US$247), backed by our 30-Day Money Back Guarantee, and have the book thrown-in for free!

With more than US$1,300 worth of value packed into this course, you can be assured it pays for itself, many times over.

Either way, it’s an investment you will not regret, for your own financial transformation!  Join me now.

* (Applicable to foreigners) Subject to interest rate not going into anomalies like the Great Inflation of 1965-1982 and other typical investment risks; becoming mortgage-free on S$16,000 a month income and S$4 million retirement assets will require additional ownership of a Singapore private property and the meeting of certain loan & seed capital requirement.

OR

US$247 Now US$197

(guarantee excludes cost of book & delivery)

See Course Outline

PS. At just US$247 US$197, this is probably the cheapest “wealth training” you could ever find.  I am not a MAS-licensed financial advisor to be able to recommend any investment product or tailor specific advice for anyone.  However, I certainly know the business of interest rate and debt much better than anyone else, and be able to show you how to build wealth in ways you’ve never imagined before.

To Your Financial Transformation!

Darren Goh
Author | Strategist | Contrarian Property Investor

(5% of book sales and all revenue generated on this website will go to a Mission Forward fund for social causes we support)

IMPORTANT TO READ:
PropertyWise Pte Ltd (UEN201101459D) is a company registered in and governed by Singapore laws. We are not licensed by MAS to give financial advice.  We will never ask for transfer of money other than product sales on this domain www.MortgageFree6Years.com (pls check).

Disclaimer:
Neither the author of the book nor PropertyWise Pte Ltd, the operator for this website, are licensed or regulated by MAS under the Financial Advisory Act (FAA) in Singapore.  All information presented in the book are opinions of the author and any representations given, whether by way of example, illustration or otherwise, are purely portfolio allocation advice and not recommendations or inducements to buy, sell or hold any particular investment product or class of investment product.  All opinions are generic in nature and are not tailored to the particular circumstances of any reader.  Seek advice from a qualified financial advisor before making any investment decision.

Though every effort has been made to ensure the accuracy of the information and figures presented, we make no representations or warranties with respect to the accuracy or completeness of the contents in the book or in this retirement planning blog and specifically disclaim any implied warranties or fitness for a particular purpose.

We shall not be held responsible for any financial loss or any other damages suffered whatsoever, directly or indirectly, if you choose to follow any of the advice or recommendations given in the book or in this blog.

* (Applicable to foreigners) Subject to interest rate not going into anomalies like the Great Inflation of 1965-1982 and other typical investment risks; becoming mortgage-free on S$16,000 a month income and S$4 million retirement assets will require additional ownership of a Singapore private property and the meeting of certain loan & seed capital requirement.

Explainer & Disclaimer:
– Prices are updated monthly typically on last trading day of prior month (closing price)
– NAV is based on what is announced in the latest quarterly or half-yearly results
– Yield is based on latest available rolling 12 month of distributions announced
– We do not warrant information will be 100% accurate.  Do not rely on it for any financial decisions or do so at your own risk.