Over the weekend, I had a couple of friends over for tea and the conversation somehow turned into an argument over whether an HDB flat can be considered an investment.
When it reached the point where it seemed like it was going to become this:
Source: redditThey asked me for my opinion.
“Hmmm… Yes… and no.”
One of my friends asked, “Simi yes and no? Don’t act like you some pro debater leh...”
Smiling sagely, I replied, “Two words.”
After I took a long sip of my tea, I said quietly, “Lease decay.”
Seated at the other
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