Uncle still believe more in stock. This is one of my old good memory during MCO.

Anyway, recently uncle just learn how to buy fix fund offer by PNB through tng, very convenient, expect for 4% div enough for uncle already, always play safe

My experience with unit trust also dissapointing. Took out money from EPF to buy unit trust but covid came wipe out all profit and fund was in the red few years. Only after covid got some <10% gain. If money left in EPF, got few years dividend >20%. Regret. My savings in other unit trusts also loss. PNB very safe ah? 4% is good enough in this day and age. Don't lose money cukup.

Can't comment much on UT, because some ppl win some ppl lose. I got one senior manager who retired with huge balance in UT. She earned alot as she bought those equity fund mark to KLCI mainly, start invest constantly when that time KLCI was 700points ++ when she retired was 1200++, she constantly invest all these years and beat the epf. But uncle won't do that now due to no confidence at all to current gov, if najib still in house I will be aggressive, lol.

PNB if not mistaken also conservative for their fix fund, they kumpul money to buy gov bond which is very safe, then pay out the div. Those equity with price fluctuation, uncle won't touch

Good point, as long don't lose money will be deemed as good investment. Uncle just don't understand why youth nowadays so keen to "invest" in condo then call themselves as "investor", and must buy one expensive cup of ice coffee and hold in hand when sharing their story, lol, maybe like that only can show he is successful . But what uncle see is holding negative asset and stay afloat with own blood😅.

most of these kids dont even have money for dp but die die want to join the bandwagon when kena brainwashed by parents, siblings, friends, aunties uncles , so called prop guru etc

buy subsale

https://www.starproperty.my/news/malaysia-s...-up-call/132580

There are some major corrections yet to happen. IFYKYK because people take for granted that how it is today will remain the same tomorrow. Thread carefully.

The star start producing such nonsense article? No need verify? Who is the author lol

"To illustrate the gravity of this issue, consider a mixed development in Kota Damansara. Launched in 2016 with an average pricing of RM750 per sq ft (psf), units in this development are now reselling for as low as RM268 psf since their handover in 2020. This represents a staggering plunge of up to 64% in value in one of the Klang Valley’s more prominent and desirable addresses."

I assume it's Emporis he's talking about. From past trascaction (from EdgeProp) lowest is RM570. Now posting lowest is RM469 as of today. RM268??? For a 700 sq ft that's only RM188k lol. Please let me know if got such deal. Even auction don't have such pricing...

Agreed with what uncle said above. These days it’s not just about capital, you also need strong info and tools to stay above water. If you're still set on managing rental as income, better to treat it like business. I’ve been using TurboTenant and it’s made things smoother, especially with tenant checks and keeping track of payments.

This post has been edited by jimkayle: Sep 3 2025, 06:25 PM

same tenant or change tenant?

One I increase rental stay for 6 years is the same tenant.
New 2600 new tenant.

Rental rates are subject to the property's location and broader market conditions.

All of which are good for all my houses in totally different locations.

Good luck to u
And don't compare it to other places you like better.

Buy 6.5% net yield and borrow at 3.5% interest. That's it.

It is a matter of accumulation of properties. After couple of years, before you realise it, you already handful already.

The JMB staff and management have to be honest and transparent.

I never truly believe in property as an investment asset, is too illiquid and for individual there is too much at stake. If you are a insti or HWNI then maybe its fine.

Try to project say for the same condo repayment you invest equal sum to your EPF or S&P500 index, for 20 and 30 years. How much will you end up with.

When you are young, you accumulate.
When you are old, having too much property is a big hassle.

Humans are like that. When you have too much cash on hand, you get itchy.
Even scammers would look for you.

So place some in some illiquid investments, so that when you are old, there's something left for you to cash out.

This post has been edited by funniman: Sep 4 2025, 03:35 PM

Right now, no. Early 2000s, 2010s, yes. I still have some holdings but getting tired of increasing maintenance fees, DBKL/MBPJ taxes, etc.

Buying for investment>[X]; buying for own-stay [✓]. Government plan to build 1,000,000 affordable houses by 2035. Don't be surprised that there are many parents buying using their children's names coz and these affordable units are very similar to open market units but selling at much cheaper price. This is affecting the secondary market badly and I don't see there will be capital appreciation in the near future.

10 years ago I noticed a condo unit opposite a proposed mrt station selling at 420-430k and now there are affordable home being built closer to the MRT. The asking selling price of the old condo dropped by at least 10% compared to 10 years ago.

But if you still want to buy for investment, the rule of thumb is to buy properties below market price (secondary/auction) or matured areas where that property can be easily rented out, so you achieve a positive return on investment by the end of the loan, even if you experience slight negative cash flows at the beginning.

Bear in mind that property is a long term investment and not easy to cash out especially at current market condition.