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.

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.

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.