Dec 22, 2025

I recently heard that Singapore’s property market outlook for 2026 is expected to experience what’s called a “soft landing.” Despite a significant pipeline of new housing supply putting some pressure on prices, this is being offset to some extent by lower mortgage benchmarks. As a result, price adjustments are likely to be moderate rather than steep, which should provide a degree of stability for property owners and investors. However, it remains important to approach purchasing decisions with caution given the evolving market conditions.

Reflecting on investment performance in 2025, common mistakes in personal portfolios have been highlighted. Many investors misjudged market timing, underestimated their risk exposure, and did not maintain sufficient diversification. Learning from these missteps is crucial, especially as uncertainty may persist into the coming year. A more disciplined approach to asset allocation and risk management will be essential to navigate the markets successfully.

As the year draws to a close, financial experts are advising individuals to focus on year-end financial housekeeping. This includes taking advantage of expiring tax reliefs such as topping up the Central Provident Fund (CPF) and contributing to retirement schemes like the Supplementary Retirement Scheme (SRS). Additionally, making charitable donations to approved institutions can be a strategic way to optimize tax efficiency before 2026 begins.

Overall, the message is one of prudence and careful planning. The interplay between housing supply and mortgage rates will be a key factor to monitor in the property market, while personal finance management through tax planning and portfolio reviews remains vital. This balanced approach should help individuals maintain financial confidence as they adjust to the shifting economic landscape ahead.

In summary, the outlook involves moderate adjustments rather than sharp shocks, with an emphasis on learning from past investment errors and making the most of year-end financial strategies. Staying informed and cautious will be important in ensuring stability and growth in both property investments and broader financial matters moving forward.

Stay Well!