• Is it mathematically more logical to (i) frontload a downpayment to minimise loan amount and tenure, or (ii) invest the monies to generate passive income p.a. of around 3% while servicing a loan?

• In relation to the previous question, what lifestyle and financial considerations should one take in making such a decision?

• Post-Mah Bow Tan "HDB as investment" era, what should the financial considerations be for an owner of a HDB flat whose flat is fully paid for, but the flat is approaching 40 years of its 99 leasehold? Can and should a HDB flat ever be treated as an investment? If so, is it in reality more of a depreciating asset or an appreciating one?

• Based on data, notwithstanding macroeconomic trends, at which point in its leasehold is a HDB flat no longer an appreciating asset but a depreciating asset?

• The internet has "gurus" that talk about owning/living in a condo as an investment, even if that requires leverage. From a purely financial standpoint, is this a viable and more stable investment strategy, versus living within means, having less leverage and making (lower-risk) investments?

• Like to ask about the CPF versus bank loan approach to buying property in your 40s. What are the main considerations for this demography of people?

Thanks for organising yet another AMA session. For many new home buyers, I believe one of the considerations would be whether to opt for a fixed/floating rate. What are some of the pros, cons and considerations you can share about both?