Rough Transcript of Interview with Geraint Liu on 29 Aug 2018

by Patrick Liew on August 16, 2019

Rough Transcript of Interview with Geraint Liu on 29 Aug 2018

1. If I haven’t gotten my first property yet, what would be a good property to invest in? BTO? Resale? EC?

There’s no absolute answer to this question.

In other words, there’s no perfect property that meets everybody’s requirements.

What I teach my students is to analyse three factors:

a. Support factors.

What are the fundamentals to ensure that the property investment will offer you a safe, secure, stable and sustainable profits?

For example, are there factors that drive demand for that property investment?

b. Strategy factors.

What strategy can you apply to optimize your ROI?

For instance, how can you value-add to the features and fixtures, design and décor as well as furniture and furnishings to enhance capital and rental yields?

c. Strength factors.

How can you leverage on your strength and your team’s strengths to achieve the best possible results?

For instance, if you’re good in interior design and decoration or you can work on becoming good in this area, you can apply your expertise to value-add to the property and strengthen your profit from it.

2.I want to invest in my first property but I don’t have any money, what should I do?

Two important principles to remember.

First, the source of poverty is not money.

It’s the capacity and capability to earn money.

Therefore, commit yourself to learning.

To be specific, lifelong learning.

There is a Chinese saying that when the student is ready, the teacher will appear.

In my opinion, this maxim is not complete.

The student must proactively look for a teacher.

And not just any teacher but a mentor.

A mentor who will show you the steps to achieve success.

Walk the learning journey with you.

Offer you personalized guidance.

Share with you his research.

Help you build a community of professionals to support you.

And a network of investors to strengthen your growth.

And show you opportunities to be rich and wealthy.

These are some of the things I do for my students.

Second, the greatest poverty is not a poverty of money.

It’s a poverty of dreams, discipline and actions.

The poor will always complain about money.

The rich doesn’t complain about money.

They pursue opportunities.

If you know how to pursue opportunities, money will come to you.

3.What do I need to look out for before investing in property?

Look out for three major dimensions.

First, the macro dimension.

For example, are the political and socio-political factors supportive of growth?

Second, the micro aspects.

For example, are the supply and demand, and sentiment factors conducive to generating profits?

Then third, the micro-segment factor.

For example, will the developer, location, quality of property, environment, and other factors provide strong fundamentals to help you achieve optimal ROI?

4. After I bought my first property, and I want to invest in a 2nd property, how should I go about doing it?

I teach my students on how to build a portfolio of property investments.

First, invest in a property that has strong capital and rental growth.

Ensure that you’re getting a positive cash flow.

Then at an appropriate time, refinance your property to invest in your second property.

Ensure that both properties have strong capital and rental gains.

And that the monthly rentals can cover your monthly instalments to the lenders.

Then discipline yourself to continue to further expand your portfolio of property investments.

To build up a portfolio of investments, you cannot invest with your heart, but with your brain.

Don’t fall in love with the property but fall in love with the numbers.

Therefore, exercising discipline to do your research, due diligence, seek professional advice, and execute your plan effectively and efficiently.

To help our students, we have built arguably the largest network of property investors in Asia.

We aim to help our students build a portfolio of property investments to retire rich, retire early, and retire well.


I hope this message will find a place in your heart.

By the way, I have also recorded other reflections.

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Life is FUNtastic!


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