Dear AK, I started following your blog about 6 months ago. I will like to seek your advice on my financial aspiration. I did purchased some stock during my early work year and most of them are below IPO price. My paper lost is around 16k and my investment sum is around 35k. Due to this experience, we are very scare to do any stock purchase. However, we try our very best to save up as much as we could since we have not much idea on investment. We have around 200k in a FD account and two 60k BOC smartsaver account. As we are both employee, we wish to be obtain financial independence by having a backup income. But we were divided on how to start the cycle. My wife prefer purchasing another property for rent while i prefer your way which is to invest in REIT as i believe with our current cash reserve we are unable to get any good property......