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A guided path · Singapore · 2026

Ownership Guide is a decision engine for high-cost commitments. The goal is simple: make the full exposure visible before you commit.

Choose your lane (10 minutes)

Transport

Own vs not own (break-even) → affordability (stress test) → mechanics.

  1. Pillar: Real Cost of Owning a Car (5-Year Breakdown)
  2. Run the numbers: Car vs Ride-Hailing Break-Even
  3. Stress test: Car Affordability (true monthly cost)

Or go to the Transport hub for the full flow.

Property

Exposure model → borrowing gate → cash shock planning.

  1. Pillar: Property Ownership Cost (5-Year Exposure Model)
  2. Run the numbers: Property Affordability Stress Test
  3. Reality check: Upfront cash required

Or go to the Property hub for the full flow.

Run the numbers (fast)

See all tools: Calculators hub

Decision comparisons (when you’re choosing between options)

Use comparisons first, then run the calculator to confirm your specific break-even.

Learn the mechanics (so you don’t mis-model)

If you want the whole structure, follow the hubs: Transport · Property