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Simplify your property investment journey

An article a day, keeps you updated all the way. was started in November 2013 and the founder Charles Tan has been writing here ever since. He believes Malaysians should invest (invest and not speculate or gamble) because that’s the only way to be financially prepared for retirement. Continue to read.

Charles Tan, DTM

Charles Tan is Founder of He shares from his personal investment experience for the past 20 years.

20 years experience

Writings would include investment experience in property, stock, unit trust and more as well as readings and conversations with many property gurus in the industry.

Independent blog

kopiandproperty is an independent property blog which is not affiliated to any media company, property developer or even real estate agencies.

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Charles Tan awards (1)

#3 in the top 10 Malaysian Real Estate Blogs in Malaysia by Feedspot. Happy engaging your audience and best wishes till we sit down for a latte.


Financial News

Finance News: Moody’s has downgraded outlook on the US banking system

I felt first hand the ASEAN financial crisis in 1997 / 98. The exchange rate of Ringgit to UK Pound went to as high as 1 Pound to RM8 at one point. Today, the exchange rate is 1 Pound to RM5.44 Please refer to the image from google as below:

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Enjoy! MRT Putrajaya Line – FREE RIDE until 31st March 2023

They say one picture tells a thousand words. Take a look a the photo below from the MRT Corp’s Facebook page yeah. Highlighted in yellow is “Free Ride for MRT Putrajaya Line starting 16th March until 31st March 2023 – PM Anwar.” It is a not a lot of money for two weeks but it is still a lot of good savings for meals, kopi-O and even some supper of roti canai! I am not sure if I would have the time but will see how to bring my kids for their second ride since it’s free.

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ABCs of Property Investment

Property Investment 101: Budget 2023 highlights for property

Property Investment 101: Budget 2023 highlights for property Let’s run through the Budget which was unveiled by PM Anwar Ibrahim recently. Source: (click here

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a confident woman holding bundles of cash money

EPF savings as collaterals for loans, no withdrawals

EPF is a form of retirement savings. In other words, it should just be used after retirement. Okay, I also agree that if should also be called upon in times of emergency. That’s why I am on the side of no blanket EPF withdrawal. Please be reminded that when people withdraw their funds suddenly, EPF would have to liquidate some of their investments quickly, whether or not they have profit or loss.

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Affordable Properties

People’s Housing Projects (PPR) should be for rent and not for sale

People’s Housing Projects (PPR) is built to provide homes to Malaysians who could not afford their own home as yet. Thus, all these PPR homes must be for the benefit of poor Malaysians and not to enrich anyone who managed to get a unit and is then sub-letting the unit out to foreigners and gaining profits from it while many other needy Malaysians are having to wait for a unit for years.

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person in white long sleeve shirt using macbook air
Airport related

Personal Finance 101: Anyone could lose their job. Everyone needs to be ready, especially financially.

I just read about Meta announcing a fresh wave of job cuts and the numbers being announced would be 10,000 over the next few months. I quickly checked and according to statista (click here for source) Meta has over 86,000 employees as at December 2022. When we use this as calculation, it meant that around 11-12 pct of the current employees would cease to be employees of Meta in a few months time.

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