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I wouldn’t automatically give renting the win. If comparable rents rise or tenant demand is strong, ownership may provide useful stability, and five to seven years is not necessarily a very short stay. The missing fact is whether the apartment could sensibly be rented out if Amir moves rather...

Before assigning percentages, confirm whether the S$48,240 is genuinely left after the first mortgage payment, moving, insurance and any service charges due near completion. If not, subtract those known items first. I’d then keep the largest portion untouched as the emergency fund, create a...