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Category: ABCs of Property Investment

ABCs of Property Investment

Using emotion to decide whether to invest or not to invest? Do you feel lucky?

I am very serious and I have MANY friends who have told me so many times that they are waiting for the best time. No one knows when is the best time but it does not matter. They want the best time to enter the stock market (when BURSA is already red hot…), the best time to buy a property (when every Tom, Dick and Harry is already talking about property), the best time to have baby (Yes, Year of the Dragon for example…) and more. Not many look at things logically and maybe objectively…

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ABCs of Property Investment

No buyer wants to pay at bank valuation pricing?

A friend said recently that the property market is bad. Her reason is because no buyer wanted to buy her property at the bank valuation price. There are a few important things to note here. How do we know if property market is bad? First thing is to look at the number of transactions. If the property transaction numbers are dropping every quarter and all new property launches are empty of visitors, probably that’s a sign that the property market is not well. What’s the number of property transactions? Take a look at below:

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ABCs of Personal Finance

Where has price change hit the hardest? An example from the biggest economy in the world

After this huge number, the next one would be child Care / anything which is children related would be at the second place. Then, the third could be Food and Beverage. My Proton Persona (manual) is fully paid for 10 years ago while my wife’s Alza is in the 2nd year. So, I only pay instalment for Alza today and this is why the car installment is smaller than F&B. How is this compared to the situation in the US? Take a look at the below on how price changes have affected them.

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ABCs of Property Investment

Buy property first, then wait. Sure or not?

There are states which are doing way better than other states when it comes to property price increase. I mean, transactions are aplenty, of course the prices also inch up faster too. Fundamentally however, inflation happens and therefore, everything will increase in price and so do property too. The inputs into property investment will continue to increase, just a matter of how slowly or how small the increment is. Maybe some will take longer, for example the salary of construction workers. Some may be sudden, like some raw materials which are impacted by oil or logistics or technological inputs etc.

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ABCs of Personal Finance

Hitting RM1.3 million in EPF, can we achieve it or not?

Achieving RM1.3 million in EPF savings may be challenging for Malaysians, but experts suggest it’s possible through disciplined saving and employment strategies. Personal finance advice should include property investment and considering longer retirement ages due to rising living costs. Consistent salary growth is vital for building adequate retirement funds.

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ABCs of Personal Finance

Department of Statistics Malaysia: The 4 main expenditure categories

Do take a look at the below and think deeper. Are all these expenditures the ones which we could not avoid, we could not reduce and we could not run away from spending? You have the answer. In fact sometimes, as I walk past a cafe, I tell myself, I still have free coffee at home. Haha. It does NOT work all the time. That’s why I always have some balance inside my ZUS Coffee app these days.

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ABCs of Property Investment

Failing to buy a property? 7 reasons for failing to buy

Some (usually the younger ones) say vacations are better than a property. The former gives FEELING of happiness. The latter merely adds debt and worry of not being able to pay on time. Plus the fact that they can show off to their peers when they post those photos in Facebook. For the younger ones, they post it in Instagram. Many would comment and add comments which seem envious. Thus, the vacations must continue or people may start to think that they could no longer afford to go for vacations. Funny but true. We are going vacations to get more likes too, not just the enjoyment we get or the stress relief benefits.

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wealthy woman riding a private jet
ABCs of Personal Finance

Highest Wealth Per Person in 2025. Average vs Median is very different!

One millionaire grouped with a fresh graduate and the average number represents no one. Median however simply meant the middle value which is typically the place where most people would be. Just that there are still the highest and the lowest side. Do take a look at below chart depicting the wealth person and it shows the fifteen highest in the world.

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