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Assets Portfolio Planning

We Have More Than 10+ Years In Realty Industry

As experienced assets portfolio planners, we often work with HDB owners, private property owners and commercial property owners to assess and restructure their property portfolio. The purpose of this restructuring is to help clients accumulate and stretch their wealth in a secure and structured way. 

Making Realty Dreams A Reality.

Here are some of the most common questions…

“When am I able upgrade?”

“What kind of income do I need?”

“Will it be too stressful if I upgrade?”

Typically, customers fall into various different categories and we have successfully helped them upgrade with ease to private properties, creating passive income streams and have a definite investment path map for both short-term and long-term.

I’m Here To Help :

Asset Planning Categories


Upgrading for the First Time

HDB Public Flats, Eexecutive Condo (EC) or Condominium owners planning to upgrade.


Second Property Owner

Existing residential property owners seeking to purchase second property mainly for investmenting purpose.


Own Multiple Properties

Own multiple properties seeking to review and restructure for even better returns. 


Investors in Commercial Properties

Diversifying portfolio and looking to invest in commercial properties.

Upgrading for the First Time

One of the most common cases we constantly work on is with HDB owners who has the intention to upgrade to a larger HDB flat or private condominium.

The conversation often starts with understanding their intentions and the lifestyle they are seeking. Next up, we will plan out a detailed financial tabulation including the CPF and cash necessary that they will acquire after selling their existing property. We also partner with credible bankers to manage any In-Principal Approval (IPA) for their loan should they take up any monthly installment plans.

There are different roadmaps when upgrading to a larger HDB flat vs EC or condominium. We ensure clients have a clear understanding of the mid-to-long term property investment plans before a decision is made.

Second Property Owner

To own a second property is usually for the purpose of passive income and capital appreciation.

When working with clients looking to purchase a second property, it is crucial to explore opportunities to help them reduce any Additional Buyer’s Stamp Duty (ABSD). In addition, there are also various financial strategies that we implement to help them fund the downpayment and get any leverage that will help them out. 

Finally, we help clients to identify a property that is undervalued and have massive upside potential in capital appreciation and rental returns.

Own Multiple Properties

Owners of multiple properties are most concerned with structuring their property portfolio to maximise returns.

It is important to have an in-depth understanding of different segments of the market to be able to provide a sound judgement. 

Apart from residential properties, we also advise them to consider other asset classes. Offices, commercial properties and shophouses are good considerations.

Investors in Commercial Properties

We also work with commercial property owners and shophouse owners.

Many commercial property owners are not familiar with residential property investment. Our experience and understanding of both asset classes allows us to expand my clients’ property portfolio and not be limited to only one asset class.

As there are no Additional Buyer’s Stamp Duty (ABSD) and Seller’s Stamp Duty (SSD), many residential property owners will choose to invest in commercial properties instead of residential properties.

What Our Clients Say About HeyJoles

Clients grow to become friends and friends to families. We treat everyone like one of us.

Adeline Zheng
Home owner
Bought my first property within 5 days with the great help of Jolene! She is attentive, patient and helpful (e.g. She would go beyond the extra mile to answer my queries as soon as she could, which really helped to narrow options, and eventually made my first purchase in less than a week!). Well done Jolene! Keep up with your enthusiasm and positivity!
Matthew Newton
Overseas landlord

As an overseas landlord, having an agent that we can trust is vital. I’ve found Jolene to always be very hard working, honest and to act in our best interests and in the interests of our property investment in Singapore. She has always gone the extra mile to help co-ordinate repairs to so we can maintain the property to a high standard. Being based in the UK, this would be almost impossible without her help. Most importantly, Jolene has always been able to secure good tenants for us with minimal void periods. I would not hesitate to recommend Jolene. We’re lucky to have her!

Key Achievements & Awards

We are extremely humbled to serve. And to be recognised along the way through this decade is an honour and motivation to continue providing our clients the best service and achieve their desired outcomes.


ERA Star Achiever


ERA Asia Pacific Elite Award


ERA TOP Transactor


ERA Singapore Top 200 achievers