Gold is probably a better investment than landed prop - unless you can afford to buy cash.
Assume RM100k base investment.
Option A) Use RM100k to invest into gold.
Option B) Use RM100k as downpayment to buy a RM1M landed prop and rent out + cap appreciation.k
Option A) = no return except based on cap appreciation. Costs? Low to none, if you keep at home, low cost if you keep it in the Bank (safe deposit).
Option B) = cashflow negative return, so basically you hope for cap appreciation if you want any form of return until the 30 year loan period is up.
Costs?
1) Homeowner insurance.
2) Taxes (cukai pintu, cukai tanah, etc)
3) Maintenance
4) Management fees.
Basically your costs are a lot more than gold and to top it off you get taxes if you sell < 5 years (RPGT).
In both cases your only form of return (within the medium term) is in cap gains.
For gold - further advantages:
a) It is easily transferrable. If touch wood you go bankrupt, just transfer the gold to your family member and no one may be the wiser assuming you do it well. Property? Don't think the bank is stupid.
b) It is portable. If ever you need to leave the country in a hurry, 1 kg of gold is light, concealable and easily brought even on a flight. How are you going to bring your DSTH with you?
c) It can be hid. In a worst case scenario, dig a hole in your garden one midnight and bury the gold - dig it up later. Can you do that with prop? No way Jose.
So yeah, I'd rather buy gold when its low than props when its high.
buy gold or property? find out fr ddd camp.
pls judge yourself.