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03/07/2017

These are the "four wealth generators of real estate."

27/06/2017

有钱的话，房子贷款应该去settle吗？（好多人问我）
房子贷款的利息在 4.5% 左右
如果你只是把钱放在 saving account (0.3%) 或者 FD (4%)的话，最好的做法是把钱拿去settle 你的贷款，还债。
如果你有办法让你的钱帮你赚超过4.5%的回酬的话，你就慢慢还你的房子贷款，把你多余的钱拿去投资。
至于是什么投资，你可以拿去做生意，投资信托基金，股票，保险，房地产。
投资根据个人能接受的风险而定。
(tips: 贷款的时候，请拿回教金融贷款，你如果有钱又还找不到地方投资的时候，你可以把你的钱拿去还贷款，省利息。然后当你需要钱的时候，你可以把你多还的部分拿出来，照旧跟回以前的利息(只是有个一次性的 RM50 左右的处理费用)。

Be Cautious Over Guaranteed Rental Return Schemes, Property Investors Told
21/06/2017

Be Cautious Over Guaranteed Rental Return Schemes, Property Investors Told

 Property investors who are considering guaranteed rental return (GRR) schemes, which promise a fixed rental income for house buyers for a certain period of time, should proceed with caution as such schemes are not governed by the Housing Development (Control & Licensing) Act.

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