If today you save a pile of money that good enough to invest a second house with downpayment + renovation to rent out.

Would you use it to acquire a rental house or dump into your existing house loan to clear up the debt faster?

Or you will invest in stock market?

What would you do?


Take note that if you acquire second house, there is a risk of cannot rent out or unable to cover your instalment.
Your saving power will be affected, and your debt will be higher too.

"Take note that if you acquire second house, there is a risk of cannot rent out or unable to cover your instalment.
Your saving power will be affected, and your debt will be higher too."

Investing in stock market will only profit? Won't lose? Won't have higher debt?

There is not equal explanation in your post.

So let me be honest with you, what's your agenda actually?

If got loan dump into flexi loan first save the interest.

Don't redeem fully... Nowadays supply is overwhelming in Msia... Relax one corner see see first

When you said u have a pile of money, i thought you have a sudden windfall of few mil.

At this point, I will steer clear of any property investments.

If I were you, I would either have it in my flexi loan or I would have it in Amanah Saham. Both would do fine. Whether the property market is stagnant or going down under, you will be able to have some extra bullets in your hands.

Better buy another property like semi D or landed house..