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ABCs of Property Investment

When we sell a property, must we pay Real Property Gains Tax (RPGT)?

Basic idea behind RPGT is to ensure people do not do the buy and flip which used to be rampant for some time. At the time, everyone thought they are so clever because they can just buy and quickly flip since the market is so hot. Well, many of these smart flippers suddenly have to contend with RPGT. In other words, they can still do flipping but every flip they do now comes with a ‘cost’ in the form of RPGT. So, if they bought a place a year ago and they are now selling for an extra RM50,000 they will not get the full RM50,000 profit anymore. They will get RM50,000 profit minus the corresponding RPGT rate.

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ABCs of Personal Finance

B40, M40 and T20? What is the salary to be within T5 in Malaysia?

Without adding the changes in 2025 and relying on just 2024, median income for a household of a T5 category starts from RM20,738 per month (image below) . In other words, this household has a yearly income of RM248,856. If this household is contributing to EPF and has an employer also contributing to the EPF for employer portion, then this household’s EPF will have accumulated the following per year.

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petronas tower malaysia
Kuala Lumpur / Selangor Props

Is Petronas Twin Towers still in top 10 tallest tower in the world?

I continue to share with everyone that if they want to see the TALLEST TWIN TOWERS in the world, they must visit Petronas Twin Towers. Some of them would say that my information is very old. Some would say the tallest is Burj Khalifa. I would tell them that they are right and then I would tell them that I have also been there before just this past August 2025.

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ABCs of Personal Finance

Are you wealthy enough to join the top 1 percent in Malaysia? How much do you need, really?

In some countries, to join the top 1 percent group, it could be millions and the millions could be in US$. In Malaysia, we just need RM2.1 million (USD485,000). Haha. Ok, that’s still millions but compare this to US$6.6 million for Switzerland or US$3.5 million for Singapore and suddenly this US$485,000 looks attainable. Well, in Singapore, even owning a fully paid HDB flat with a decent size in a popular neighborhood would already make the owner a millionaire in S$ too. Take a look at some of these transactions. Just note that not all areas are created equal yeah. When it comes to property, the more people want that area, the higher the price goes up.

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Malaysian economy and BNM

Positive news Malaysia. Inflation. Economic Growth. Jobs.

Usually, when I write about positive things, the total views would be lower versus the times when I write about negative things. let’s see if this article is the same. Come on, sometimes we just have to also celebrate the fact that there are a lot of positives too and not just all dark, gloomy and negative. For people of any country, the there are three things everyone needs.

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MM2H News

Malaysia My Second Home (MM2H). Latest numbers? Still attractive? 3 Major Reasons.

Do google those countries which are said to have lower cost of living than Malaysia. I do not wish to debate further in this article. In fact if cheapest is the thing you are after, perhaps just go to the cheapest country. There are definitely cheaper countries, I am sure. Plus the fact that the terms and conditions can even be more loose than Malaysia’s. Maybe no property purchase is needed… Maybe no fixed deposit is required… However, if Malaysia is one of the considerations, take a look at the current numbers as below.

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