Building your breakdown

What does a second property really cost you?

Stamp duty up. Mortgage relief gone. Borrowing costs doubled. See the true friction cost of buying an additional property today.

S$
75% LTV mortgage at 5.2% over 5 years. Property appreciation at 5% p.a. Higher-rate taxpayer.
Property
What you walk away with
S$0
Friction costs
S$0
After stamp duty, mortgage interest, lost tax relief, and CGT on sale.
Whisky casks CGT free
What you walk away with
S$0
Friction costs
S$0
Based on 13.13% average annual return (VCL 6-year client average). No stamp duty, no mortgage, no CGT.
Projected value over 5 years
Property line excludes CGT (24%), which is payable on sale. See breakdown below.
+S$0 more with whisky casks

Where your money goes with property

Stamp duty surcharge (5%)
Mortgage interest cost
Lost tax relief
CGT on sale (24%)
Total friction costs
∞
No annual investment limit. There is no ceiling on how much you can allocate to whisky casks.
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Here's how property stacks up against whisky casks.

PropertyWhisky casks
Initial investment
5-year gain
Total costs
What you walk away with

Property friction costs breakdown

Stamp duty surcharge
Mortgage interest cost
Lost tax relief
CGT on sale
Total friction costs

Same capital in whisky casks

Entry costS$0 (no stamp duty)
Ongoing costsStorage and insurance fees apply
CGT on exitS$0 (wasting asset)
Projected value (5 years)
Property (after 5 years)
Whisky casks (after 5 years)
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Projections are based on industry average client return of 13.13% p.a. (6-year client average) and are for illustrative purposes only. Past performance is not a reliable indicator of future results. Whisky cask investments are unregulated. The value of investments can go down as well as up. Capital Gains Tax exemption applies to whisky casks as wasting assets under current tax treatment.