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Property Investment 101: Working and Investing are complementary for journey to financial success

Property Investment 101: Working and Investing are complementary for journey to financial success

Everyone is working for money. Even the ones saying they have passive income.

It’s not just the working professionals yeah. The entrepreneur is also working to achieve her financial success. In fact she needs to work harder than a working professional because the entreprenuer has no income ceiling as everything is dependent on the success of her business. Meanwhile, a working professional no matter how he works would earn the same salary every month except when he gets a promotion or a bonus and an increment after every 12 months.

However, if an entreprenuer does not invest his earnings and chooses to spend it all, then she better be very lucky not to face any hiccups with her business. This is why working and investing are complementing one another. The more salary we have, the more we could invest. The more we could invest, the more potential additional income we could get and this will take away a lot of pressure we have by having just a job and we are very scared to lose that job everyday. How do we start? Here are 5 steps to start your property investment journey and I assume your working side is stable.

#1 – Understanding our financial position

Before investing into a property, first question is whether you could continue to pay for the property after buying it. Take into account your income, savings, expenses, and any debts you may have. This will help you determine how much you can afford to invest in a property and what type of property will be most suitable for your budget. For example, after deducting all expenses and you are left with RM1,300 per month for a property, choose to buy a property where the repayment is lower. What is the property price you could buy if you could spare RM1,300 per month? The answer is as below.

#2 – Research the property market

It’s not what our friends say. It’s not what the rich and successful businesswomen aunty said. She may tell you that landed property is better than high rise and she may be true because there are fewer landed properties versus high-rise but could we afford landed properties? Just need to remember, we have to start somewhere. So, look into the types of properties. Look into the areas. Look into duration versus distance. Look into all the amenties you must have and those you could drive to access. All these would help us to decide much better.

Consider working with a real estate agent who can help you navigate the market and find properties that match your investment goals.

#3 – Choose the right property

View many units. Drive to many different locations. Ask as many questions as possible. Once we have done enough, then we could then choose the property to buy. Actually, if you have viewed 20 properties and you could objectively choose the top property to buy out of these 20, you can worry less. Chances are there would be people who would like your property. Chances are you have done enough homework to decide and choose the right property. When choosing a property, consider factors such as location, type of property, condition, and potential for growth.

#4 – Consider financing options

Every bank has their own strengths. Some may be easier to get approval but their rates are slightly higher. Some may have lower rates but it would be harder to get approval if you apply to them. Speak to your friendly real estate agent friend and ask them to recommend some financial / mortgage consultants who could provide you with a better picture. When we buy a new property, most of the time, only a few banks would be lending for the property. As for the secondary market, the number of banks who are willing to lend would be higher but their considerations to approve your application would be bery different from one another

#5 Managing our investment

Once you’ve invested in a property, it’s important to manage it effectively to ensure you get the best return on your investment. This may involve finding reliable tenants, maintaining the property, and keeping up with any legal or regulatory requirements. For my properties in Penang, I just made sure I appoint a real estate negotiator with a REN Tag. Yes, I only trust the licensed ones. At least I could complain to the agency if something negative happens. This person helps me in anything and everything with my properties including ensuring the rental increase reminder too. Please do not try to do all of it alone. Paying that rental of one month every year is certainly value for money versus all potential problems.

In conclusion, property investment can be a great option for fresh graduates looking to secure their financial future. By understanding your financial position, researching the property market, choosing the right property, considering financing options, and managing your investment effectively, you can make informed decisions and maximize the potential for long-term growth and passive income.

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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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