Smart property moves: Time in, not timing

In property, like dating, market timing is tough, but "time in," understanding the "master plan," can help. Howie Lim gains insights from Eugene Lim, ERA's key executive officer.

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Published Mon, Aug 18, 2025 · 05:00 AM

Singapore’s property market just got a policy shake-up. The government has raised the Seller’s Stamp Duty (SSD) rates and extended the holding period from three to four years to cool speculative buying.

In this week’s Money Hacks, a podcast from The Business Times hosted by Howie Lim, Eugene Lim, key executive officer at ERA, cuts through the noise and explains how to navigate the changes without getting caught out.

Why listen?

Clear, practical breakdown of the new SSD rules

Eugene Lim demystifies what the July changes mean for buyers and sellers and who’s actually affected. If you bought before or after July 4, you’ll want to hear this.

How to work the “time in the market” strategy

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Forget crystal balls and market-timing fantasies. Learn why staying invested and choosing your entry point wisely beats trying to catch the perfect low.

Smart moves for HDB upgraders

From avoiding ABSD pitfalls to deciding whether to rent or buy ready-to-move-in projects, the pair walk us through real-world scenarios to make your next move less stressful and more profitable.

If property headlines have left you wondering what’s noise and what’s worth acting on, this episode is your shortcut to clarity.

Money Hacks is the flagship personal finance podcast from The Business Times, delivering sharp, actionable tips to help you grow and manage your money. Explore more episodes at bt.sg/podcasts and send feedback or questions to btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Eugene Lim, key executive officer, ERA

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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ABOUT THE PODCAST

Money Hacks is a crisp, weekly podcast hosted by Howie Lim. Every Monday, it unpacks personal finance strategies and investing insights through conversations with expert guests. Whether it’s navigating employee perks, finding resilient sectors, or exploring value-based investing, listeners get actionable financial wisdom without the waffle.