ETF .. does it give good dividends?

Nope. You have to sell off your asset to generate money. Unless you have like USD5m in it.

But the amount sold should be able to sustain you until you die depend
1. How much you have inside it
2. When you started selling
3. How much are you selling
4. How is the market doing
5. How long you have been invested. ETF need like 20-30years to see the effect.

Asian cannot get use to the idea need to sell things to generate income while this is the norm in western worldif you put into FD you are losing money to inflation.

This post has been edited by Ramjade: Oct 16 2025, 03:08 PM

general rule:

high risk high profit, low risk low profit, no risk no profit.

if an investment has guaranteed profit, then it is guarantee lose money or guarantee scam.

example, FD guarantee 3.5% interest, but with inflation, is guarantee lose money.

for non-resident alien, dividends from US stocks will be taxed 30% by the USA

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Not necessarily true.
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Malaysia's inflation rate for Aug 2025 is about 1.5%. So, if we put FD at 3.5% interest for 1 year, we should topup the principal by about 1.5% at maturity to account for yearly inflation = treat FD interest income as 2.0% only, ie not 3.5%.

Eg RM100,000 in FD at 3.5% interest for 1 year. At the 1 year maturity, we get RM3,500 in interest income. From this RM3,500 amount, we should topup the renewed FD principal by RM1,500 = RM101,500, and use the remaining RM2,000 as passive income.
....... Bc our FD principal increases yearly by 1.5% of topups, our passive income will also increase yearly by 1.5% = guarantee no lose money to inflation.

If can, put our money in EPF to get higher yearly dividends/interests of >5% bc EPF is government-guaranteed = quite low risk.
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inflation is 1.5% in one month. that is at least 15% per year

It still gives a bloody good div after tax.

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No la. For 2024, Malaysia's inflation rate is 1.8%. .......

https://www.google.com/search?q=what+is+mal...sclient=gws-wiz
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All in BTC during crash (Weekly RSI 30-35). HODL one cycle can easily hit 500% gains.

Even those who bought during last cycle's top (50-60K) and didn't sell is also up 100%.

BTC's market cap is still relatively small compared to GOLD. Gold is basically adding BTC's entire market cap every 2 weeks.

This post has been edited by Juggerballz: Oct 16 2025, 04:46 PM

I assume this is not ready then, shud be brand new units still under construction

most ppl have this mindset rental cover installment, frankly if your rental pays for your interest , good enough, anything else is a bonus, rest monthly top up take it as saving
5 years later when you sell it, the saving goes back to you as well

I have just recently purchase something about that pricing incl MOT and misc, rental is about 6k plus for now
as mine is subsale, the total upfront is 2.5x of yours
personally commercial has better chances as compare to residential/condo, just that the starting price much harder for most

hopefully by the time its CCC, your rental may go upwards or stagnant
If the value of property yield is higher than rental, then sell it, if not just collect rental as normal

This post has been edited by rx330: Oct 16 2025, 04:53 PM

Thanks for your sharing.

Yes, the one I aiming is an under construction double storey shoplots.

The unit is fronting main road with high traffic, hence the price is higher.

Mind to share how your experience managing the tenants and unit maintenance?

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This post has been edited by alexei: Oct 17 2025, 01:03 PM

All he said is purely marketing talk lah, lure u to join his class, after that teach u all the method which available online, sell u certain property which he has kickback, then renovation use his own company.

And u go and check www.istiadat.gov.my/, his datoship name is not in there, meaning he is using fake title. This type of guru better stay far far away lah.

How to create RM200k passive income nowadays? 3rd property already cap at 70% max loan. Unless you are cash rich and able to place 30% downpayment and create the so called "200k passive income"

1- Debt-free (Now still paying a house loan) and simple lifestyle, which i am not into branded stuff. Priority would be the kids future.
2- Low as i do not time to monitor.
3- Low stress so i dont want to think "shit .. why lose so much suddenly" ..
4- What or where can i read "FIRE" ..

Yes, i heard of it .. think it is called FCFD .. rate is higher than local rates except loss would be currency changes.

With regards to the Dato .. thanks .. i am just sharing and asking if it is doable or not.
I am not property expert so just asking opinions so the value would not depreciate due to inflation.

Yes, considering putting in EPF but downside is cannot take out until 55 .. then wont be able to use it ..

https://forum.lowyat.net/topic/5203278

Im not too sure which state you are in, but double storey shoplots cant be sold to foreigner, so you will lose a small % of prospective buyer in future.

but the benefit, its easier to rent out both ground and 1st, those 2nd n 3rd storey is a pain in the ass to rent, end up become hostel, also nightmare with the cleanliness
im not sure whats the trend at your side, but recently new shops, landlord will force tenant to take up the whole building, either you use it or you sublet, your pasal

nowadays developer also pandai, better access, better exposure units, they sell it higher, unless those days where 1st come 1st serve basis, all unit same price unless different built up

normally main road tenants bigger brands who are able to pay more rental for exposure

if compare to residential, should be much easier, just do your due diligence what biz they are doing, if extensive renovation needed, ask for more renovation deposit, after that technically own self settle sendiri unlike residential where aircon rosak, pipe rosak, toilet stuck
for commercial they do ownself aje

since yours is not a factory, the insurance premium should quite standard

as per all landlord, also depend on luck your type of tenant, you get a good one, good paymaster, then just keep it as it is, no need to hike too much on next tenancy agreement

+1.
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Also, why would a person who supposedly got very rich by knowing where to find a hidden treasure box, tell or teach others about it but charge them a hefty fee.? IOW, will the person get very rich by actually finding the hidden treasure or by charging gullible/greedy people the hefty fee.?
....... The latter way can be 500 gullible/greedy people X RM3,000 course fees = RM1.5 million, eg 10 classes of 50 people per class over 1 year. (RM500k as operating costs = profit RM1 million)
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This post has been edited by lurkingaround: Oct 17 2025, 04:11 PM

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If you later become very rich, will you run teaching courses like Vincent Nee.? .......

.

nope, cant be bothered

but we are always sharing within circle of friends info, wisdom and experience, so hopefully none will need to go thru any bad deals

IF they asking some money every few years, what will happened if i refuse to pay? I am not well verse in REIT. Why they ask money every few years?