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7 reasons why we should start buying a property

When we buy our first property, that’s just buying a property. Our investment journey starts from the 2nd property onwards. (Yes, I am writing a book to focus on that 2nd property onwards. Please wait for it) As for those starting with 5 properties or even 10 properties, that’s called GAMBLING. I represent the working population of Malaysia and I have been working since July 1998. So, that’s over 20 years of non-stop full-time employment. I bought my first property in 2003 and my most recent property in 2017. So, a total of 14 years of property investment adventure as a working professional. Here are 7 reasons why we should start this journey / adventure.

#1 – Retiring with SOME serious money. How many of us will retire with half a million in savings? Well, buying that affordable property of RM250,000 today will ensure that by the time we retire,that home is half a million ringgit or higher.

#2 – Forced to save. Assuming we are able to save RM1,000 per month for 30 years, together with compounded interest, this monthly savings should give us half a million ringgit or more. Question: Without the banks forcing us to pay the mortgage every month, how many of us could save every month?!   

#3 – No wastage because nothing left to waste. A fresh grad may have to skip avocado toasts, Starbucks and even changing a new smartphone model every year in order to pay for the monthly mortgage. Well, one is becoming an asset. All the rest are just ‘rubbish’ after some time… 

#4 – Property investment is easy.  I am dead serious. Read more, survey the area, browse articles online (including and hey, the mistakes are totally minimised. If you do not believe me, ask 10 people who owns a property they bought over 5 years ago, how many are LOSING money even in today’s slow market… 

#5 – Opportunities still aplenty and future is bright.  Look to advanced property markets. Suddenly we realise it’s advantageous to be in a growing and not mature property market. 😛 On a longer period of time, regardless of whatever property cycle or the time on the property clock, property prices rise with income. (Unless most Malaysians stop receiving increments..) 

#6 – Leverage (It’s usually 1 to 10!).  Property is the only one where you pay just 10% downpayment or lower and the returns are based on the overall property price and not based on your downpayment. RM10,000 may be your downpayment for a RM100,000 home. The price increase is NOT based on your RM10,000 but it’s based on your RM100,000. Savvy? 

#7 – Everyone needs a home, somehow. Unlike cars or handbags, without a home, we have nowhere to go. Of course we could also rent but this is a basic need; shelter. This is why the demand for homes will continue to grow. Demographically, Malaysia is only 29 years old (median age). 

I could go on and on but 7 is my favourite number. I hope these are enough to get you started. Finally, I just want to also say that property investment will also allow one to be able to determine if they should leave their bad boss or stay and suffer. I already have many peers who are semi-retired today.  None of them are due to the stock market, nearly all are due to property investments. Do not speculate, do not gamble and it will be safe for a very long time yet. Happy starting your journey.

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written on 10 Dec 2018

Next suggested article:  When should we think of property; home vs investment

Property Investment always start with knowledge. Equip ourselves with more here.

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Charles Tan The Founder The Writer Kopiandproperty
Charles Tan

Charles is Founder of He writes from his investment experience for the the past 20 years in investments including property, stock, unit trust and more as well as readings and conversations with many property gurus in the industry. is an independent property blog which is not affiliated to any media company, property developer or even real estate agencies.

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