Should CDC vouchers be tied to property gains instead of being universal?

I’ve been thinking about how CDC vouchers are distributed, and whether there’s a more efficient way to use public funds.

Right now, they’re given broadly to all households. But in a market like Singapore, some households have seen very large property gains (—sometimes tens of millions (think 三木哥$88M GCB sale)—while others are struggling with daily costs (think 89 years old massage uncle who passed recently )

Would it make sense to factor in recent property gains when deciding who should receive support? For example:

Households with significant recent gains could receive less (or none)

More resources could be redirected to lower- and middle-income households

I understand universality keeps things simple and avoids grey areas, but it also means limited resources are spread very thinly.

Curious what others think:

Should support be more targeted based on wealth indicators like property gains?

Or is the simplicity and inclusiveness of universal vouchers more important?