Guys -
I was watching TikTok video about this Dato Vince explaining how to make passive income..
The way he describe, you can buy a house and then sub it out for rental and then use the money to buy another house again ..

So if you have $$ .. should you invest in property or put in reliable stocks like PB or CIMB?

Your thoughts .. i will be receiving $$$ from US stock trading so dunno which should be good option as inflation will take place and amount in FD will become smaller in the future.

I am not expert in stocks or even crypto .. so afraid will lose instead.

Buying property is all about location, location & location
Don't blindly buy.

if dont have any skill or knowledge on stock , just buy VOO , DCA it when you got money. Buy and forget.

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You liquidated your US stocks likely because you expected a Stock Crash coming soon - which usually comes once every decade or two, eg last US Stock Crash in 2008.

AFAIK, it's not wise to invest your money in property bc property prices in Malaysia have already peaked and is at market saturation (= prices unlikely to rise much further, eg no more 100% rise in 2-3 years time like in the mid-1990s), ... and bc property is an illiquid asset, eg cannot be immediately converted to cash for emergencies or urgencies.

So, better to invest in safer FD in major banks that give PIDM insurance of up to RM250k per bank account.
....... To account for inflation, use part of the annual interest income to topup your FD, eg if FD annual interest income is 3%, use 1.5% for the topup.
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Note that any trades in the market, eg stocks, cryptos, commodities, etc, can be manipulated by "gangsters" or co-conspirators, eg the Freemasons, Rotary Clubs, cartels, etc.
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just like stock. buying property for "investment" you also need to know what you are looking for. capital appreciation or passive income?

Buying property, but the location must be good plus so many aspect to see before buying

Yeah . .looking for passive income.
What doesnt make sense to me is the ..spending RM400K, but rental is merely 2K/month .. take how long to get back the ROI, except the property is mine and hopefully appreciate in the future to offset the inflation.

buy property sounds like good investment. but not anymore nowdays.
especially if you need bank loan, not worth it.

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Passive income from property rental can be a BIG headache = stress, eg tenants from hell, property repairs, etc.
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I’m in a similar situation. Still undecided whether to invest in a commercial property (with a 25 year bank loan) or continue with fixed deposits, ASMs, and stock investments.

I found a commercial property project priced at RM1.8M (nett), with surrounding projects fetching rentals of around RM8K± per month.

Appreciate your thoughts or advice on this.

who is Dato Vince? Lol... sorry my ignorant.

what type of investment you want- risky with high return?
or safe with low return....

Property... doubt it is worth it to invest anymore. Rental can never cover installment, unless you are lucky. Even best case when if break even.

then need to top up maintenance fee
cukai tanah chukai pintu.
some maintenance.

then when tenant exit- then need to find new tenant, might lost 1-2 month of idle time ( or worse 5-6 month)
and also 1 month commission to agent....

yes- tenant help u pay installment... that is a long game la, 20 years?
after 20 years.. condo wear and tear, not sure how much more your unit will be worth. Especially now a days so many other condo being built.

Perhaps shoplot a safer bet. that also depends a lot to luck.
One row might be prosper with a lot of foot traffic, while your row could be turn into car workshop that stop others to come.

Actually now is good to start accumulate cash. If you have loan it is better option to.reduce now.

if u dun want headache of dealing with people. just research and find stocks with good dividend. of course not 100% in 1 stock or even 100% on stocks. just diversify it a bit to mitigate the risk.

Buy stocks. Hodl. Keep buying. Use the dividends to keep buying. Come back after 10-15 years.
Have a list of filter. Everyone got their own filter.
Some ok with say dividend yield of 5%p.a and growing at 3%p.a,
I choose like 0.5-1%pma and they will automatically grow at 15-30%p.a and combine with options income. No company will give you 15-30% raise everywhere year.

Don't bother with house. Taxes, repair cost, troublesome tenants.

This post has been edited by Ramjade: Oct 14 2025, 07:04 PM

if 2k/mth nett after expenses = 24k pa from 400k = 6% yield pa

investment property for cashflow use leverage from homeloan , no need buy cash

400k borrow 90% , u only put 10% down , 40k outlay get 24k pa return nett interest = 60% pa gross return on capital

now do this on multiple properties = cashflow cash cow $$$ , but make sure properties you buy, value go up not down

also property need time/effort to manage or hire/pay a manager . NFA DYOR.

max_cavalera expert on rent-vesting , rent out 2 properties , sendiri live on renting , drive tesla

This post has been edited by phunkydude: Oct 14 2025, 08:42 PM

8k rental for RM1.8 mil property not worth if take bank loan
If RM800k property no brainer

All in crypto la. YOLO

Dato Vincent Nee ... property investor .. google and see ..
He did podcast in one of local stations and he explained his students makes money from rental .. even said one of his students has 200K per month passive income.

No balls to play crypto lah ..

Yes, thinking to buy stocks that has good dividend payouts .. Public Bank, CIMB .. any other suggestion from stocks gurus?

I have the same thinking on property .. nowadays, it is hard to get back ROI and plus shitty tenants. I have friend who suggested buy a property and turn to Air BNB wor ..
Sounds interesting but it is like rental too so if unlucky, shitty customer .. koyak but chances are lower compared to long term tenants.

I am more of conservative person so i wouldnt dare to roll hard .. i know inflation will sure affect the % FD so best option is long term stocks.

I don’t understand what you write there. Is there a conflict what you write?

sorry for the confusion .. mine is the company given stocks amd they will sell when it reaches a dateline set by them.