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 Buy Property or Good Stocks or FD Interest

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phunkydude
post Oct 14 2025, 08:21 PM

Look at all my stars!!
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2,402 posts

Joined: Dec 2004



QUOTE(KronenZerg @ Oct 14 2025, 04:38 PM)
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.
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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.

QUOTE(lurkingaround @ Oct 14 2025, 04:56 PM)
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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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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

 

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