For those who don't believe low end properties
can beat EPF ....here is real life example

Let’s compare RM200,000 invested in EPF vs RM200,000 in a rental property generating RM730/month. 

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📊 Scenario 1: EPF (Compounding at 5.5%)
- Formula: \(200,000 \times (1.055)^5\) 
- Value after 5 years ≈ RM259,000 
- Total gain ≈ RM59,000 

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📊 Scenario 2: Rental Property
- Monthly rental income = RM730 
- Annual rental income = RM730 × 12 = RM8,760 
- Over 5 years = RM8,760 × 5 = RM43,800 
- Property value appreciation (assuming 3% per year): 
  \[
  200,000 \times (1.03)^5 \approx 231,900
  \] 
- Total value = RM231,900 + RM43,800 = RM275,700 

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⚖️ Comparison

Investment	Capital After 5 Years	Income	Total Value
------------	-----------------------	--------	-------------
EPF	RM259,000	reinvested dividends	RM259,000
Rental Property	RM231,900	RM43,800 rental cash	RM275,700

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🔑 Insights
- Rental wins slightly (RM275k vs RM259k) if property appreciates at ~3% annually. 
- EPF is safer: government-backed, liquid, no tenant risk. 
- Rental has risks: vacancy, maintenance, market downturns — but offers cash flow (RM730/month) which EPF doesn’t. 
- Over longer horizons (10–20 years), EPF compounding can catch up or surpass rental if property appreciation slows. 

Got people don't believe meh?
But from copilot's calculation, in 20 years time, epf can out perform my 200k flat with 700 rental.

Got people don't believe meh?
But from copilot's calculation, in 20 years time, epf can out perform my 200k flat with 700 rental.

If me, I would put that cash in KWSP, etc instead of buying investment property.

Property game is not same like those days.

(unless u r lucky like some that have family members doing work for free to manage such apartments... lol)

u forgot to include expenses and headaches dealing with tenants?

but like what many others said... good luck and use it as a great learning experience...
(unless u r lucky like some that have family members doing work for free to manage such apartments... lol)

According to TS, he already outright own the place. worth 200K (assuming he sells it), but rental is at [edit: it is below] less than 800rm. so the gross yield is not even 5% pa. EPF does appear superior just based on updated gross numbers.
hope he really analyse rationally and properly... the yield comparison is vs current worth of the property, not vs original price of 70K.

I kind of lucky to have tenants who always pay on time. The first tenant is a Arab lecturer that is the worst. Although he pay on time, but he drill lots of hole on the wall and saw off the windows bars to install aircon.
After that, the rest of my tenants are all OK. I rented to Malay, Indian, and Indon.

so after write so much, what is your decision?

My initial plan is to buy a life condo for my parents, but the suitable location that my parents prefer and condition that satisfy me (dual key to rent out) would cost both my own stay and rental unit and still short a couple of hundred k. So that's out of the picture for now.
Then I thought about my age, in less than 10 years I'll be able to withdraw from epf, might as well sell the rental unit and transfer it to my epf. But the I'll lost the current rental income that I give all to my father as his own expenses.
So, I'm thinking to maintain as is so my father can collect rent. Plus, I'm waiting for the lawfirm to get my house grant. Expect to wait for some time, so I'm not in a rush to sell at the moment.

parents, old age, condo, don't mix well

social life, mobility, health access.... better landed... we will see more old age living in condo and im not fond of this situation

Condo got lift, got maintenance. Landed much more expensive and need to maintain. Less security.

Correct security is very good....for some like La Vista Condo....too good till couriers can't go up you got to come down to collect your parcels before man complained...

The down side is maintenance fee tm450 is madness for my parents don't use them at all .....in this sense I prefer landed ....

Condo got lift, got maintenance. Landed much more expensive and need to maintain. Less security.

the security is a plus plus point that landed cannot offer.