When we understand where we are coming from and understand that our property is not stronger than the Economy. Don't ever be mistaken about it! How Ant thinks? Ant follows plan and got formula somemore! Wealth = Asset Value + Cash Flow For property, it is true that your asset value will never go down to zero; but ourcash flow may go down to zero when the rental market is soften and we can't find tenants. Uncle8888's annual company off-site event is a good time to catch up with those veteran investors on their views on investment and their progress and development on retirement planning. Currently, two veterans (old timer property investor) are unable to find tenant for their investment property. One is three months and the other one is 9 months. Their cash flow is zero now and for how long more? For stocks; it true that single stock(s) may drop  ......