......In average I would say, Mutual fund returns are not that attractive compared to my property portfolios.

some of the concerns mentioned also applies to new project under construction, + possible interest rate hike + http://www.consumer.org.my/index.php/devel...lawless-country

what I am saying is should not leave any investment unattended for 2 years,...because it is your money.

Yes I know...
I have 13 years investment experience in Mutual fund and I compare both property and investment and I can concluded that Mutual fund long run can't make much, mutual fund companies make money first and historical proven they make more than the investors in long run.

Yes, these problems can be solved but they take time and effort. I only mean to say that it is not true that the only downside of property investment is that it needs more initial capital. All types of investments have different risks, effort involved etc. This is why these days I prefer to invest in REITs and unit trust funds. Less troublesome, no need to constantly follow up on tenants, trouble with maintenance and utilities, etc. Note: I currently have three properties rented out: a condo, a low-cost flat and a house in Shah Alam. But my investments in stocks either directly or through unit trust funds still exceed the value of my property investments.

The BOLD one I agree...u can start from small value property, say RM100K property, pay 10% and rent it out or etc.
Once u make, then increase the investment value of property to RM200K.
The beautiful of prop investment is leveraging, u just need to pay deposits and the bank will loan u the different...
LEVERAGE IS MY FAVORITE BEVERAGE.

what is yr idea on residential property of let say higher than RM 400, 000? what is the rental yield? can it cover the loan repayment?
else the appreciation is the only chance of going up the higher value property....should one go up the value property or buy more unit of lower cost?

what did you guys do to your funds during the 2008 economy downturn ? Sell off your fund , average down or just hang in there? anyone think the next downturn is coming soon?

Not to make things complicated here, since this thread is about FSM and about Mutual Funds investment, we shall not talk Property investment in details here. OK

What I felt is that if u want to monitor the stocks/ index movement every day, need to wake up in the midnight to monitor the down jones index, might as well u invest in stocks direct. Cheaper and have better control. YES, it is true
Just take the annual report of the Mutual fund and follow the fund allocation for each stocks will do. No cannot do...does not have so much money-leh
If u choose to invest in mutual funds, monitoring once a month will is making sense (if u are employed u get your pay cheque once a month anyway, thus can decide whether to top up or sell it with extra cash on hand each month), YES or monitor every quarterly is good enough. YES/NO, depends on the amount invested and other non tangible things

Mutual Fund investors don't have to be over-reacted to any announcements, news and etc. You have paid the annual fees to the fund manager to do so for you. YES, don't have to be over-reacted but for me I would have to monitor the duration of the effect of the news

what did you guys do to your funds during the 2008 economy downturn ? Sell off your fund , average down or just hang in there? anyone think the next downturn is coming soon?

Contracts can't help you if you get a bad tenant. Maybe you've always had good luck and have good tenants, I have experience with bad tenants before. Even though the tenants were arranged through real estate agents and have signed contracts, it doesn't really help you if they won't pay up, won't pay on time or cause problems. Sometimes even if you have decided to evict them and want to cut your loss, it can be difficult. What can you do? Call the police? Sue them? Like I said, very troublesome.

I can cite many examples. A friend's house rented out to a business owner through a real estate agent. Ended up not paying a single month's rent after paying for initial deposit. Went to the office to complain many times, business owner even wrote postdated cheques that bounced, ended up running way with six months rent in arrears. One house rented out to a company, they ended up filling it with many illegal immigrant workers, caused many problems and complaints from neighbours etc. My father in law has a shop office that keeps changing tenants. A new tenant comes in, rents for 4 to 6 months, the business fails and then runs away. He keeps complaining that the real estate agent earns more from the property than he does.

Yes, these problems can be solved but they take time and effort. I only mean to say that it is not true that the only downside of property investment is that it needs more initial capital. All types of investments have different risks, effort involved etc. This is why these days I prefer to invest in REITs and unit trust funds. Less troublesome, no need to constantly follow up on tenants, trouble with maintenance and utilities, etc. Note: I currently have three properties rented out: a condo, a low-cost flat and a house in Shah Alam. But my investments in stocks either directly or through unit trust funds still exceed the value of my property investments.

I have vested in Mutual funds for > 10 years. In average I would say, Mutual fund returns are not that attractive compared to my property portfolios.

I started to invest in Public Mutual since year 2000, became Mutual Gold member in 2005, and then to Mutual Gold Elite.
I started to invest thru Fundsupermart in 2006, by opening an account in their Hong Kong branch when FSM hasn't been opened its branch in Malaysia.

This is just my personal experience.

If you know what you are doing and is prepared to put effort into any avenue of investment/trading, whether it be stocks, options, commodities, forex or anything you are knowledgeable in, there is a very good chance you will beat mutual funds.

Properties need time, effort, knowledge, timing, access to locality, good luck, and lots of patience. Especially patience. Plus dealing with difficult tenants. There aren't any above average investment that don't require effort, and is readily available to the general public, AFAIK.

If properties are more attractive, why put money in Public Mutual?. Not to mention PM returns are quite mediocre compared to other Fund managers.

sorry howzat, I think maybe he started with PM then over the years got into property than realized that property has better ROI or maybe both at the same time more or less, I guess.

U got me right.
I can't say for all. My experience dealing with property and mutual funds, the earlier gave me better return.
I made more in property not just because of luck, a lot of hard work though.
As I said earlier, the rich in the world has 2 things in common, they either make their fortune from real estate, or they keep their wealth in the form of real estate.  There is no exception.

Yes, no shortcuts. To make money in properties, work is required.

Properties is one of those vehicles that make people rich, but it is hardly exclusive. There are plenty of others whose wealth don't involve properties, exceptions like Buffet and Gates.

Do u know how many properties Buffet and Bills Gates own to conclude that?