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Eureka! 50 Investment Strokes

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What’s your winning formula?

Text : Eunice Ng and Lawrence Julius

Like all investments, property investing may prove fruitful or woeful depending on how much time you’ve spent doing your homework and the way you go about managing your portfolio. Just when you think you’ve found that fool-proof winning formula, you’re changing tactics for the hundredth time. Truth be told, investments are all about adapting to change, the question is, how?

You’d have the high-rollers, the keepers, the ones who pounce on bargains, the ones who play it cool – it differs from man to man. Every person is unique in their own way, and the same goes for investment strategies. So with 50 individuals and 50 unique IDs, come 50 preferences and 50 styles of investing…

HIGH STAKES, HIGH GAINS

Voon YT, 33, Banker, KL

Eight years in mortgage related industry has given Voon considerable experience and insights into property investment.

Strategy? Buy and flip one property every three years. Within 20 years, he would have flipped at least seven times, making a minimum of RM100,000 from each flip. By then it would have accumulated up to RM6.4mil.

What? Mid-to-high end landed properties and shop lots; residential to be in gated and guarded scheme; preferably an award-winning property.

Focus? Under construction properties for quicker capital appreciation. Seldom buy sub-sales due to the lower capital appreciation.
Voon bought a condominium in Damansara Perdana from a developer at RM278,000 in 2008; sold it in 2011 after completion for RM418,000. The property appreciated by 50% in three years.

Location? Venturing outside of conventional locations to places like Rawang and Sg Long.

Homework? Visit the area three times a day – morning, noon and night, observe traffic and crowd.Avoid? Been there and done that stuff. Serviced apartments are in an oversupply situation and flooded with too many young investors who enter either with low capital or no holding power. Their inability to pay will eventually affect the price I wish to sell for even though I have the holding power.

Caution

The low interest rate era that everybody is enjoying will soon come to an end. Anticipate a higher interest rate, lest you get caught with over commitment.

Set your buffer zone thicker.

Expect interest rate to hike up to 8%. An increase in installment will eat into your household savings. Whenever you are applying for loan, ask the banker to give you a few sets of calculation based on different interest rates to gauge the new monthly installment should interest rates hike in the future.


LT, Realtor, KL

LT is a newcomer to property investing. She started out only two years ago, but she currently holds three properties under her belt, not to mention the previous one that she sold off. Even when starting out, her target properties were within the RM500,000 to RM700,000 range and has continued with this style for all her properties.

  • Investing for rental yield
  • Property preference Residential condo
  • Properties Condo in Mont’ Kiara (stay), condo in Puchong (renting out), condo near Sunway (sold), condo in Damansara Perdana (under construction)

Alphonse, 48, Businessman, KL
A 48-year-old with eight years of experience investing in properties, his most successful investment to date is a double story link house in Subang that gained 40.7% of capital appreciation within six years. Bought at RM270,000 in 2003, it was then sold for RM380,000 in 2009. He searches for rental properties that must generate at least a 10% yield.

  • Invests for capital appreciation and rental yield.
  • He divides his properties into two; properties valued below RM500,000 are rented out for yield, properties above RM500,000 will be reserved for capital appreciation.
  • Looking for commercial properties within Kuala Lumpur around the price of RM1mil.

Property Consultant, KL

  • More than 10 properties in his investment portfolio.
  • Invests for capital appreciation and rental yield.
  • Always look for niche properties.
  • Prefers commercial properties.
  • Aiming for a RM1mil to RM1.5mil commercial lot.
  • Advises first-time investors to start off with residential properties.
  • Recommends areas along the proposed new MRT line specifically Kota Damansara, Sg Buloh and Kajang.

Industrial Sport, Dato’ Ong Seng Chye, 47, Johor
Dato’ Ong, a real estate principle from Johor only invests in industrial properties. A niche market, he buys industrial land, build factories then sells or lease to factory operators.

Having bought a land and constructed a factory at RM2.9 million in 2004/05, he sold it to a US-based listed company at RM4.5 million in 2010 for a profit of 55% within six years. During the interim, the property was renting out at RM30,000 per month. But he warns of a capital intensive outlay as a 50% down payment is normally required for such sport.

How? He buys the land next to an established company. It will never go wrong as the company would want to expand in the future.

Where? Mostly within Johor such as Gelang Patah and Bandar Nusajaya.


Quek WK, 33, Entrepreneur, PJ
Although Quek WK, 33, invests nearer to where he stays in Petaling Jaya, he is quite a risk taker by buying off the plan. His buffer zone remains in the fact that he only buys from reputable developers in a good location.

In the wealth building stage, he prefers to purchase choice units at an early stage to be able to sell it off at a higher appreciation upon completion.

‘The difference is how much you can make and how early you can sell the property.”

His other choice locales are Damansara, SS2, Section 14 and Setia Alam.


William Yap, 50, Sales Director, KL

William prefers land investment to landed properties or condominiums due to the fact that land is scarce. Swimming against the tide, what normally people would avoid to invest in Queensland due to the recent floods may turn to be a potential investment. A 4,000 sq ft of land was selling at A$350,000 (RM1,122,950) prior to the flood. Now, you may be able to pick it up for A$75,000 (RM240,628). Give it four to five years, he says, for people to forget and in no time, you’ll find prices trending to its original state.

In another land purchase in 2009, an eight-acre land in Auckland, New Zealand had cost him only N$225,000 (RM721,863). Recently, an offer of N$320,000 (RM1,026,636) was received but he’s not selling as the infrastructure promised will be ready by end of 2011. By then, the valuation will have come up to N$485,000 (RM1,556,024), raking in 115.6% in two years!


Only Buy, Not Selling, Edwen Yew, 33, Developer, KL

Edwen Yew, who is a developer with an Australian property group, only buys and never sells.

‘My principle is, if you sell, the money doesn’t belong to you.”

Although not selling, identifying who the next buyer would be is important before he makes the decision as it reflects the quality of tenant you will get.

‘That’s why I will never touch student accommodation and hotels because it’s hard to know who your next buyer is.”

Investing since 2006, his investment appetite has transcended boundaries for diversification – Singapore, Guangzhou, Gold Coast, Melbourne and London.

His Aussie investment, a bungalow, which cost him A$250,000 (RM798,933) in 2006, is now valued about A$460,000 (RM1,469,887) and generates A$300 (RM959) per week with no rental problems. Yes, that’s how comprehensive and efficient Australia’s property management system is.

Locally, Mont’ Kiara, KLCC and Bangsar are considered areas of growth with good rental yields. For Edwen, prices of condominiums in the range of RM1 million to RM2 million with a rental rate of below RM10,000 are easy to be rented out to expatriates with a reasonable return rate.

His four-room, 1,700 sq ft condo with a good view and security in Mont’ Kiara bought for RM880,000 in 2007 has since appreciated 47.7% in four years to RM1.3 million. It generates RM6,800 in rental per month, that’s about 9.27% in rental yield.

Here’s advice from Edwen who started to invest in properties at the age of 28: ‘Start young. A lot of young adults who have the money only know how to enjoy life. I see them in nice, big cars but there’s not a single investment in property. Investing in property can never go wrong when you buy and sell at the right time.”


Sherman, CEO, KL
He bought his first property in 1998 as a home. Today he has eight properties, ranging from condos to shop lots to industrial land. He has not sold any and you’d imagine how much his properties have appreciated through the years, especially those bought way back during the financial crisis aftermath. An example is a double-story link-house in Subang, which he bought for RM270,000 in 2003 and sold at RM380,000 in 2009 – after it has appreciated more than 40%. With the properties he has now, he fetches around RM40,000 per month from rentals and reserves the units, which are not rented for the future.

  • Invest for rental yield
  • Invests in Klang Valley, Johor, Penang and overseas.
  • Prefers landed properties.
  • Preferred price range of RM500 to RM1,000 per sq ft.
  • Advises new investors to have a good grip on the fundamentals and invest in matured residential areas.

Edralph, Chartered Accountant, KL
This experienced investor of more than 15 years is a high roller with more than 10 properties to his account. Straightforward enough, his strategy is to go where the crowd is, where busy commercial centers are. He owns property in established areas like Mont’ Kiara and within the KL City Center, trusting that the best tenants are those of the working class. He has a wide range of residential and commercial properties, whether it is a condo or an apartment, a shop lot or a terrace house. What matters are the bargain and the potential of capital appreciation or rental yields.

  • Invests for capital appreciation and rental yield.
  • Preferred price range of RM300,000 to RM1.5mil in the Klang Valley area.
  • Advises to always renovate and touch-up your properties that are ?to be rented out to the best level possible.
  • Believes that the effects of the 70:30 Loan to Value Ratio for third house buyers will be felt by developers within the next few years.

Koh TC, 33, Subang Jaya
(business partner of Quek WK from PJ)
Like his partner Quek, Koh also looks into investing at an early stage and benefit from the early bird discounts. Koh said it is good to have a friend and partner to bounce ideas with. He prefers condominiums and apartments due to the affordability. Koh relies on the Internet to check on potential units as the information and Google Maps allow him to ascertain if a particular unit faces undesirable view.


Wilson Wong, Assistant Sales Manager, KL

A 29-year old from Kuala Lumpur, he just started property investing earlier this year. Although fresh from his first investment, he’s backed by good fundamentals and is confident about his maiden condominium in Cyberjaya. His strategy? Buying under construction properties and selling it off at a higher value upon completion.

  • Invests for capital appreciation.
  • Looks for properties outside of Kuala Lumpur, focusing on Petaling Jaya.
  • Preferred price range is RM200,000 to RM750,000.
  • Thinks that the My First Home Scheme does not offer much help.
  • Advises new buyers to buy in a location, which they know well.

THE BALANCING ACT

At Your Own Backyard, Dr Peter Yee, Lecturer/Author/Property Investor, Selayang

He buys, he holds and flips occasionally. You’ve probably heard of Dr Peter Yee from Selayang, a lecturer turned book author and property investor, currently preaching the path he took. But rather than joining the bandwagon of investing in the KL city center, he looks at his own backyard.

Investing near home has its practicality. Besides local knowledge, there are the nitty-gritty property management issues involved. Properties too far from where your eyes can see take up a whole lot of time from you. Therefore, 90% of his properties are within five minute’s driving distance from where he stays, which is at the periphery of the city center.

Although the capital appreciation in the locations he invests in may not be as enticing as other ‘hot” areas, it will be on the upside soon because there are a lot of people living near the city, and many more to come as the city becomes too expensive to live in.

…a city expands outwards about one mile per year and along with it the capital appreciation…

He quotes a research where a city expands outwards about one mile per year and along with it the capital appreciation of the land along the growth direction.

For him, a location is just another location unless properties there are able to generate income and easily managed. Being located near town or other smaller towns, it has the potential for capital appreciation.

He never believes in over commitment, buys two and sells one to save enough ammunition to accumulate a pool of properties over time. He is currently focusing on two types-landed shop offices and medium cost apartment or condominiums, all of which generates more than 10% yield.

‘The property market is at a high now and it’s a seller’s market. There will be buyers and it’s a good time to sell off older properties, especially those whose values have gone up but not giving good rental yields.

‘After every boom, a bust will come. While no one can predict, my guess is that it will happen in three to five years time.”

Significant Property Investments
Location? Bandar Baru Selayang
What? 3-story landed shop office
When? Bought in 2006 at RM648,000 off the secondary market. After five years it has now appreciated about 100% with a market value of RM1.3mil. It generates a rental of RM5,200 per month. That’s more than 9% yield based on original purchase price.

‘This is a good property to keep. Never sell a good property.

‘It’s a sin not to buy” an apartment valued at RM75,000 but auctioned at RM45,000. With an acquisition cost of less than RM50,000, now, it has become an income generator of RM500 to RM600 per month, giving about 10% yield.

Still bewildered at how some will complain that there are not enough affordable properties, he says these are properties that nobody wants or looks at, in other words ‘no class”. We still buy because we look at the money factor.

‘You cannot go wrong buying properties lower than market value. But finding one is not easy.”


Gavin’s Gamble, Gavin Tee, Founding President, KL

How often do you get to buy a tower? Not, unless you are Donald Trump or in the band of an investors club. Gavin Tee, Founding President of SwhengTee International Real Estate Investors Club and more than 20 others will be getting their hands into a tower of their own, to be exact – one of the two corporate towers of VSQ by Malton Bhd at above RM100 million.

This 20-story tower with a net lettable area of 166,000 sq ft, 39 units altogether, is slated for completion by 1Q 2012. Market price for surrounding offices trends around RM700 per sq ft, he says and expects prices to inch upwards after completion. Imagine if all were sold at RM700 per sq ft, they will make a whopping RM16 million within two years!

On the personal side, he went against the tide and invested in a gated and guarded bungalow in SS23 when many others were rushing to buy condominiums within the KLCC area in 2008 and 2009. A jewel missed by many. What has cost him RM3.3 million at the end of 2009 has now an offer of RM4 million made only recently.

He believes that all units purchased must have positive cash flow and not to leverage on the financial capacity of others or to take up loans that will be a burden to oneself. Therefore, a portfolio management consisting of high and low risk investments are encouraged, he concludes.

Potential areas? Malacca, Kota Kinabalu, Penang, Langkawi.
Investing guidelines? Prime city area, globalized location, tourism related area; see how well the surrounding properties complement each other.
Preference? Commercial properties due to the measures imposed on residential properties. Price range of RM250,000 to RM500,000, a safe bet and easier to transact; above RM1 million, better appreciation in the future.


Erman bin Mohamed, 35, Mechanical Engineer, Terengganu

Following investment strategies from a book, a 100km radius from where he is based in Paka, Terengganu, gives him two options – Kuantan and Kuala Terengganu.

He started property investment with a single story terrace in front of a polytechnic school in Terengganu. With students as his prospects, low rentals may be a problem. Bought in 2003 at RM79,000 from developer, he furnished the unit to maximize space and rented it out at RM800 per month instead of RM400 if left as it was. Kept for five years, he flipped the property in 2007 for RM100,000, gaining an appreciation of 26.6% in four years, for cash flow to buy another property.

To avoid? Single- and double-story bungalows in Terengganu as rentals are low in comparison to the value of the property; single-story bungalow valued at RM200,000 fetches about RM500 rental per month. The installment you pay, however, is RM1,200 per month.

Next property venture? Looking into investing properties with a group of friends. Serviced apartment or studio unit at Bukit Gambang.


Land Investment, anyone?

Dato Sekarnor Che Omar, 55, Developer, Kelantan

He looks for investments with minimal capital to maximize profits. What investment can bring you such except for land investment? However, land investment is a long term one where you hope to reap the profit in 10 years’ time.

An amount of RM300,000 to RM400,000 is all you need to get a piece of three-acre land in Kelantan, he says, placing importance in checking with authorities and surveyors to find out the future development in the surrounding areas and of the land.

He has a landbank in Tok Bali, an emerging landmark 30km from Kota Bahru. This land was of no economic value between five and 10 years ago. Today, a few education institutions are within its radius, with a new resort development by the sea.


Jason Banker, 27, KL

This 27-year-old banker started buying properties one year ago. But in that short span, he has already bought four properties. His properties range from an apartment, a condominium, a serviced apartment and double-story terrace house, all within the range of RM140,000 to RM500,000. He rents out his properties and is planning to get a commercial lot for his next investment.

  • Invests for capital appreciation and rental yield.
  • Prefers properties near colleges, near to city center or near an LRT station.
  • Advises new investors to look for discounts, get cheap prices, take longer term loans and not to lock-in the loan to contract so you would be able to sell off the property within a short period.
  • Recommends TTDI, Damansara Perdana, Kajang and KL City Center area.

Kent, Consultant, KL

Kent started buying property five years ago. The first was a landed property to call home in Bukit Jalil, which he bought for around RM450,000. This property has since appreciated about 66% to RM750,000. He went on to invest in two high-rises – one in Petaling Jaya, which is rented out, and the other in Kuala Lumpur, is still under construction. Now that his foundation is in place, he sets his sights on a commercial property priced at RM1mil to RM1.5mil to have an even fruitful return.

  • Invests for capital appreciation and rental yield.
  • Prefers a gated and guarded property with good accessibility.
  • Advises new investors not to over borrow when buying property.
  • Recommends commercial lots in KL City Center.
  • Calculated risk taker.

David, 34, IT Analyst, KL

34-year old David bought his first piece of property for investment five years ago in Kota Damansara. It was RM520,000 for a link-house, which has appreciated to RM700,000 today. Along the way he also bought a condo in Kelana Jaya worth RM320,000, and within a few years it appreciated 25% to RM400,000. He rents both of these properties out at RM1,800 each per month, preferably to the working-class singles or students. When hunting for property, he stays away from locales next to the LRTs because of the high traffic level and density that he thinks may hurt prices. It is also important to him that he likes the area and knows the real value of his next investment.

  • Investing for rental yield.
  • Looking to invest in commercial properties within the KL City Center with a budget above RM1mil
  • Prefer condos.
  • Recommends South Garden, SS2 Petaling Jaya and KL City Center area.

Tan Yang Po, 48, CEO, Singapore

This 48-year-old Singaporean has invested in property for the last 20 years now. Her target market now is Singapore, Malaysia, the US and the UK for she believes that these locations have a mixture of crisis and opportunity that can be taken advantage of. She focuses on residential properties because she believes that it is more secure and is of lower risk.

  • Invests for capital appreciation and rental yield.
  • Believes it is not about the price, but about the returns.
  • Bought a property in Singapore and sold it within two months for a profit of S$60,000 (RM145,523).
  • Advises first-time buyers to educate themselves before investing.

David J, 50, Civil Engineer, Kota Kinabalu, Sabah

  • 50-year-old casual investor.
  • Has about six properties spread out from Kota Kinabalu to the outskirts of Keningau.
  • Prefers high-rise properties but also acquires land for investment.
  • Intends to keep the properties as long-term investments for his children.
  • Believes that property prices in Kota Kinabalu especially, will hike up.

Lee CA, 39, Professional Photographer, KL

  • Calculated-risk investor.
  • Bought first property in 2006. Focused on commercial properties.
  • Buying a unit in the new KL Eco-City.
  • Adopts the buy-and-sell strategy to get quick returns.
  • Buy properties collectively with partners.
  • Buy properties under his company’s name.

Sr Kang Wee Leng Surveyor, PJ

Sr Kang is a man with a traditional sense when it comes to investing. He never exceeds his capabilities. To him, your capability to own a property depends on how well you adapt to your financial fluctuation. His first investment was about five years ago and to date, has four properties under his wings. Of those, three are residential properties while another is an office lot. He prefers investing closer to home, where three of his properties are within the Petaling Jaya area.

  • Planning to dive into commercial properties.
  • Scouting for good investments along the proposed MRT line.
  • Alert of developers’ background.
  • Advises new investors to prepare the capital before investing and not go beyond their capability.

Eugene Liew, 29 Senior Real Estate Negotiator, from Kuala Lumpur

  • Invests for capital appreciation and rental yield.
  • Seven years of investing experience.
  • Determines property value and makes sure that the property being bought has future potential.
  • Prefers to invest in condos, landed properties and ?retail lots.
  • Preferred price range of RM500,000 to RM750,000.
  • Advises first-time buyers to calculate risks and not to succumb to outside influence.

Alan Kueh, 34, Architect, KL

This 34-year-old has been investing in property for five years now. He practices a combination of capital appreciation and rental yield, but believes that the yield may be the deciding factor on whether to hold or sell the property.

  • Combination of a high-risk and slow and steady investor.
  • Suggests investing in Cyberjaya, Puchong and Petaling Jaya.
  • Prefers niche high-end developments.
  • Believes location is the main denominator – places with good amenities and good connectivity are always good to invest in.
  • Advises not to stretch your budget limits when investing.

SLOW AND STEADY THE RISK AVERSE

Can You Risk It?

Jonathan Lee, 29, COO of a Realtor Company

It’s a number game. Jonathan Lee’s rule of thumb is 3:1.

‘Buy three properties that generate positive cash flow, thus enabling you to afford the fourth property to gain capital appreciation.”

Started his first property purchase in 2005. This 29-year-old knows how much he can afford to lose – none.

‘We need to look at the risk-reward ratio where many fail to look at.”

And with the current 70% loan cap on your third residential purchase, all the more reasons there is to justify your investments. He illustrates; if one buys a landed property for RM500,000, RM150,000 is needed for down payment. By virtue, properties generally will appreciate by 30% after completion. For him, a 30% down to make RM150,000 is not justifiable.

It is due to such ruling too that he finds investing in apartments and condominiums more affordable.

Apart from assessing the risk-reward ratio, Jonathan has a simple formula for his capital gains strategy.

‘If it can get me a certain amount of gain, I will sell it, regardless of time.”

Being in the industry also has its benefits. He works in a realtor company as the Chief Operating Officer.

‘I have the benefit of knowing when the market peaks for a particular property. And I will sell it slightly below market peak as long as there’s a minimum of 30% of capital appreciation.”

He currently has a few properties under his stable, mostly within the Mont’ Kiara locales. All his properties generate a positive cash flow with the exception of two as they are still under construction.

Risk-Reward Ratio Justified
Location Mont’ Kiara
What 1-bedroom service apartment
When bought in October 2009 at RM370,000; sold in August 2010 for RM490,000.
Down payment of RM37,000; a round-up of other costs and down payment come up to about RM48,000.
Gross profit RM120,000, 32.4% appreciation within one year.

Characteristics of Investible Properties
Pose minimum risks Properties need to be rentable (generating positive cash flow) and to be able to cover the cost funds.

Prime location Quality and high concentration of population such as PJ, Damansara Uptown, KLCC, Desa ParkCity, Mont’ Kiara These areas thrive even with the absence of good public transport and connectivity.

Price preference Properties valued at RM1.5mil and below, as many people are transacting in that price range.


100:10:1, Andrew Saw, 29, Real Estate Negotiator, Wangsa Maju

The purpose of investing is to make money and make more money. What then is the logic behind selling a property at below market value or renting out at below market rental rates? It is probably not often heard of; if not, never.

Though only 29 years old, Andrew Saw, a real estate negotiator from Wangsa Maju, has learned to add value while making money. He will not let greed come in the way in comparison to many who are just looking to jump in and make quick fluke bucks.

His current apartment in Setapak is currently rented out at RM850 per month, generating a yield of 7.8% instead of the current market rate at RM1,000. He believes by renting out at a reasonable rate and not squeezing it off someone, they will in turn be your long-term tenant, one who will pay promptly and without much tenant problems. If at all you want to rent out at market rates, throw in perks and furnish the unit. In other words, ‘add value to their lives”.

‘After all, the reason people rent is because they can’t afford to have their own properties.”

‘And if ever the market moves to about RM250,000 due to its booming nature now in Setapak, I’ll sell it at RM230,000.” Puzzled?

In his foray, which started in 2008, he stumbled upon the apartment and purchased it in 2010 for RM130,000 instead of the market value at RM180,000. He made RM50,000 onset and he sees no need in settling for more.

The answer lies in ‘100:10:1″, he says and it takes effort.

He sees 100 properties, makes 10 offers and buys only one. By then you would already have a general view of the properties and its prices in the areas before making the decision, he says.

While it may take quite a while to complete the 100-property race, befriend real estate agents and build rapport with people in the industry. They will be able to get you there faster than you think.


CP Samy, 50, Group Sales Manager, Johor Bahru

Investing for almost 15 years, CP Samy, a 50-year-old Group Sales Manager of an insurance company in Johor, only invests in commercial properties. He says these properties give better return with good appreciation value compared to residential. CP is from Johor Bahru and he never invests too far off from where he stays. Commercial centers of fewer than 20 units are not in his books as these are normally small commercial conveniences that serve a neighborhood and not an entire township.

‘The township is where the people are. Hence, it would be easy to get rentals.”

One of his successful property investments is in Taman Molek, Johor, which he will not sell. Having bought the three-storey shop lot in 1998/99, it now generates a rental of RM7,500 per month. Today, it is valued at RM1.5 million.

His wise words: buy from developers with good reputation and properties with good access; get good agents and honor their commission.


Ethan Keong, 33, IT Professional, Setapak

  • Looking at Capital appreciation and rental yield.
  • Location Seri Kembangan, Kajang, places with good facilities and malls that are near to Cyberjaya.
  • Why Because most of the working population in Cyberjaya do not stay in Cyberjaya itself and may want to rent elsewhere that is nearer.
  • What Only residential; condominium, terrace houses in the range of RM300,000 to RM350,000.

Koh SK, 37, legal profession from Batu Pahat, Johor

Have to know the project, location and type, and your own budget.

Looking at possibility to invest in KL and to expand business.

Interested in office blocks and shop offices as they are easier to be managed unless you are a full time property investor.

Caution As a steady investor, if you don’t have that 30% extra on top of your down payment to buffer yourself against additional costs and emergencies, you are not ready to buy that property.

Another consideration, which many may not realize, is that the noise level increases with higher floor unit when there is a commercial component at the bottom. Some of us think the higher the unit the lesser noise they get. Not true. Koh says he’s been there to experience the noise factor first-hand. It is not any quieter as you go higher.


Jimmy Phuah, 35, Entrepreneur, KL

  • Three years of investing experience.
  • Invests for capital appreciation and rental yield.
  • Purpose of investment is to create a stream of passive income.
  • Prefers areas within Klang Valley and properties that adopt the LOHAS concept.
  • Preferred price range of RM250,000 to RM500,000.
  • Advises investors to always be alert of economic development and changes in government policies.

Chan WK, 28, from OUG, KL

  • Preferred Location around OUG, Bukit Jalil, Sri Petaling.
  • Why For convenience sake as they are nearer to her home and work place.
  • For Own Occupation Apartment/Condominium with price ranging between ?RM80,000 and RM100,000.
  • For Investment A condominium below RM200,000; prefers to buy in the secondary market.
  • How Will wait till the next economic slowdown and start buying for ?investment first before saving capital to buy dream home.

‘No time to play proerty” Robert, 56, Executive Vice President and wife Angie Chong, 56, housewife from Setiawangsa

  • Preferred characteristics Freehold, landed, near to city, accessible with network of roads and highways.
  • Pays more in downpayment and with excess cash to reduce principal sum and interest; and to pay up in less than 10 years.
  • Bought a two-story link house at less than RM200,000 ?in 1994. Today, it is valued at RM600,000; not selling; 200% appreciation in 17 years.
  • Bought a condominium in 2001 at about RM200,000; today it has appreciated to RM300,000, generating RM1,650 rental per month; 50% appreciation, 9.9% yield.
  • Next property venture A landed property in the range of RM600,000, in hopes to be future investment for their children.

Colbert Low, 36, Computer Engineer, KL

  • An annual income of RM50,000 ?to RM100,000.
  • Invests for capital appreciation.
  • Adopts the buy-and-hold approach ?to property investing.
  • Preferred area is Puchong.
  • Advises to do research and bargain ?for your property.

Low CH, 45, Chief Project Director, KL

  • 45-year old non-aggressive investor.
  • Invests for capital appreciation and rental yield.
  • Six years of investing experience.
  • Annual income of RM100,000 to RM500,000.
  • Looks for properties in good locations with good rental yield.
  • Prefers Kuala Lumpur as investment location.
  • Prefers landed property and would like to ?invest in land in the future.
  • Preferred price range of RM200,000 to RM750,000.
  • Most successful investment is a double-story link house in Seri Gombak, which has ?appreciated more than 100% and has yielded RM43,200 in six years.
  • Advises buyers to take note of economic cycle and never think that a place is too expensive.

Esther Chong, 38, Sales and Marketing Manager, Setapak
Her preference for a location that is convenient for her school-going children and proximity to her relatives has led her family to sell off their properties. At least their properties were disposed with
some profit.

With house prices on the rise, she does not mind looking into areas like Kepong, Rawang, Sungai Buloh despite being older housing areas and not-so-popular locations. She prefers landed properties with at least five rooms.


Alvin, Engineer, Penang
This investor from Penang says that when investing in properties outside of Kuala Lumpur, it is best to dive into commercial properties. Investing in Penang specifically, he prefers to buy from the secondary market and get good deals rather than straight from the developers as the prices are already high anyway. He prefers ground-floor shop lot units when investing but also owns an apartment to take advantage of its location near Universiti Sains Malaysia (USM) and rents it out to students.

  • Investing for capital appreciation and rental yield.
  • Preferred location is Bayan Baru, Penang.
  • Property investing range of RM500,000 and below.
  • Looks for low-priced units with 7% rental yield and above.
  • Low-risk investor.

Sydney Goh, Account Specialist, from Ipoh, Perak

Sydney is a professional in her late 30s, who opened her property investment portfolio about 10 years ago in Ipoh. After she moved to Kuala Lumpur for work, she gradually added more under her belt and had a total of eight properties.

In Kuala Lumpur, she prefers buying condos but advises on landed properties in Ipoh. She confesses that buying in Ipoh is not as rewarding as Kuala Lumpur, in terms of investment. When hunting, she locates the busy areas (i.e. commercial centers), then calculate a property not too far and not too near the area. She advises first-time buyers to take it easy and not to jump to decisions, not before carefully evaluating the property.

  • Invests for capital appreciation.
  • Freehold or leasehold is not a concern.
  • Sold off five properties within 10 years, currently have three.
  • Holds on to property and roughly sells when value is double the initial investment.
  • Recommends Kota Kemuning and Bukit Jelutong.

Jeslyn Wong, Sales Manager, KL

  • Casual investor with three properties; an apartment, a condo and a townhouse.
  • Stays in the condo and rents out ?the other two.
  • Prefers properties within a good ?township and community in Klang Valley.

Kelvin Chong, 36, Banker, KL

  • Slow and steady investor with 10 years of investing experience.
  • Invests for capital appreciation and rental yield.
  • Annual income of above RM100,000.
  • Invests in condos, shop lots,semi-detached units and bungalows.
  • Preferred locations are Mid Valley and the KL City Center.
  • Will sell property when it appreciates 30% to 40%.

Jessy Tan, 36, Mortgage and Funding Advisor, Penang

  • Slow and steady investor working ?in Kuala Lumpur.
  • Invests for capital appreciation.
  • Almost three years of investing experience.
  • Preferred locations are Penang and Klang Valley.
  • Invests in terrace houses and condos.
  • Preferred price range of RM250,000 to RM500,000.

Chee Ee Lyn, Assistant Manager, KL

Bought first property five years ago.
Stays in a condo in Petaling Jaya and is renting out another in Bandar Pelangi ?Utama for RM1,500.
Next investment will be a landed property in USJ.
Interested to buy property within the KL City Center.



Harish Subramaniam, 37, Digital Marketing Entrepreneur, KL

  • Slow and steady investor with eight years of experience.
  • Invests for capital appreciation and rental yield.
  • Does not adopt any one strategy but makes sure that he has good understanding of the location where he’s buying and has researched the developer.
  • Preferred investing location is in Taman Desa.
  • Looks at location, accessibility, community and affordability.
  • Prefers to invest in condos.

FIRST TIME HOUSE BUYERS KEEPING IT ON THE LOW

Housing Nesting Grounds, Dr Tan Kim Han, Property Manager/ Investment Advisor, KL

What are the similarities between swiftlets and property? According to Dr Tan Kim Han, founder of Royal Bird’s Nest and DAMA Bird’s Nest, who is also a qualified property manager and licensed investment advisor, it’s one and the same. The only difference is, instead of human tenants your occupancy is taken up by these agile little birds – with a talent to make valuable nests.

Dr Tan explains that investing in ‘swiftlet property”, or a ‘bird house”, may yield greater returns than the traditional property investing everyone is familiar with.

‘Swiftlets are expensive tenants,” Dr Tansays. ‘When more of these little birds make your property their home, your property’s capital appreciation rises.”

‘Say there’s 1,000 birds making your property their home, and each one is worth RM200, that’s a RM200,000 increase in capital appreciation,” explains Dr Tan.

‘A swiftlet’s nest is valued roughly around RM4,500 per kilogram,” Dr Tan shares, ‘…and if these birds in your property can produce just one kilo of nests, that’s equivalent to RM4,500 of rental every month.”

Do not be mistaken though, it is not as simple as constructing a building and go. It requires research, analysis and expertise to have your bird house up and running. With and initial base of RM700,000 to RM800,000 required just for starters, Dr Tan agrees that this is a high-risk investment for those who jump in without a plan.

A profitable trade if done successfully, the government is also supportive for more people to take on swiftlet nest production, especially in rural areas to eliminate the hardcore poor status from the forms. But for property investors who would like to dive into a different, more challenging but more rewarding angle of property investing, swiftlet nest farming might just be the flavor for you. And who knows, it may even outperform those hardworking condos you’re renting out now.


Zakaria bin Mohd, Sales Executive, KL

  • First-time home buyer.
  • Believes the My First Home Scheme helps to keep his options open.
  • Looking for a place in Sentul or along Jalan Ipoh.
  • Planning to invest for rental income ?in the future.

Julius Goh, Executive, KL

  • First-time buyer.
  • Aiming to invest in a landed property in Mutiara Damansara valued ?around RM1mil.
  • Aspiring to buy land in Cyberjaya and build a home.

Saliza Nizar, Sales Admin, KL

  • First-time home buyer.
  • Looking for a super link-house to stay with her family.
  • Feels the My First Home Scheme is good but it is hard to find a good home that is below RM220,000.
  • Preferred locations are Bangi, Puchong, Seri Kembangan and Cyberjaya.
  • Preferred price range of RM250,000 to RM500,000.

Flora, Insurance Agent in KL

  • Home buyer.
  • Bought RM285,000 condo off Jalan Kuching in 2008.
  • Price has appreciated more than 100% today.
  • When buying to stay, the most important thing is to love the area.
  • Thinks about transportation and accessibility.

Azlina Mokshin, Executive, Ipoh

  • First-time buyer working in Kuala Lumpur.
  • Would like to invest in an apartment in USJ that can fetch a rental of RM2,000 per month.
  • Prefer locations near education institutions or ?with high concentration of expats.
  • Would love to buy a condo ranging from RM500,000 to RM1mil in her hometown, Ipoh.

Crest T, Lecturer from Kota Kinabalu

  • First-time home buyer.
  • Bought a 1,100 sq ft condo priced at RM236,000, under construction.
  • Prefers the Penampang, Sabah area as it is close to her family and a good location just outside the Kota Kinabalu city.
  • Looks for properties with good facilities and accessibility.
  • Uses Bumiputera status for discounts.
  • Aiming to invest in properties within Kota Kinabalu.

There’s Always Room for Money
Yes, that’s a treasure chest of proven strategies and techniques when it comes to property investment, but of course, not without breaking into sweat or pain.

Property hunters are on the rise, especially those who are at the wealth building and accumulation stage, seeking off-the-plan bargains and making profits when the property completes. Interestingly, some find the secondary market unexciting; probably knowing that money has already been made at the earlier stage, driving some of the real estate prices through the roof. But you’ll never know when a good deal is lurking around the corner just as how some of the 50 above have made.

There is a reason to the 70% loan-to-value cap on the third residential purchase. Though not welcomed by most property investors, appetite has since shifted to apartments, condominiums and commercial properties to make big bucks.

While property investors do not welcome it, truthfully, it does give a certain degree of comfort that there are still chances to own a home without worrying that house prices are beyond the everyday Malaysian’s means. We are getting there…if left unchecked.

That said, we have had several good real estate years since the aftermath of the Global Financial Crisis where the initial capital required to purchase and interest rates are low. Some are savoring distressed properties where original buyers, be it genuine buyers or speculators, are unable to hold. Well, word has it that things may change soon. And it doesn’t take rocket science to know that what goes up, must come down. But in the world of investments, it is often preached that money can be made be it on the upside or the downside. Now, many lie in wait for the next property downturn to jump in and hopefully make some fluke shots.

Till then, enjoy this favorable condition while you can, only set your buffer zones thicker and put some calculation sense in your foundation before jumping onto the next bandwagon while the rest prepares the ammunition to catapult themselves higher into the world of property investments.

<p style=”style” mce_style=”style”><img src=”http://homefinder.com.my/images/market_talk/invest_tb.jpg” mce_src=”http://homefinder.com.my/images/market_talk/invest_tb.jpg” style=”margin-left: 5px; margin-right: 5px; float: left; border: 0pt none;” mce_style=”margin-left: 5px; margin-right: 5px; float: left; border: 0pt none;” border=”0″ height=”99″ width=”150″>Like all investments, property investing may prove fruitful or woeful  depending on how much time you’ve spent doing your homework and the way  you go about managing your portfolio. Just when you think you’ve found  that fool-proof winning formula, you’re changing tactics for the  hundredth time. Truth be told, investments are all about adapting to  change, the question is, how?</p>
<hr id=”system-readmore”>
<p><b> What’s your winning formula?</b></p>
<p>  Text : <b>Eunice Ng</b> and <b>Lawrence Julius</b></p>
<p> Like all investments, property investing may prove fruitful or woeful depending on how much time you’ve spent doing your homework and the way you go about managing your portfolio. Just when you think you’ve found that fool-proof winning formula, you’re changing tactics for the hundredth time. Truth be told, investments are all about adapting to change, the question is, how? </p><p>You’d have the high-rollers, the keepers, the ones who pounce on bargains, the ones who play it cool – it differs from man to man. Every person is unique in their own way, and the same goes for investment strategies. So with 50 individuals and 50 unique IDs, come 50 preferences and 50 styles of investing… <br>
</p>
<p><u><b>HIGH STAKES, HIGH GAINS</b></u></p><p><b>Voon YT, 33, Banker, KL</b></p>
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<p> Eight years in mortgage related industry has given Voon considerable experience and insights into property investment. </p><p><b>Strategy?</b> Buy and flip one property every three years. Within 20 years, he would have flipped at least seven times, making a minimum of RM100,000 from each flip. By then it would have accumulated up to RM6.4mil.</p><p><b>What?</b> Mid-to-high end landed properties and shop lots; residential to be in gated and guarded scheme; preferably an award-winning property.</p><p><b>Focus?</b> Under construction properties for quicker capital appreciation. Seldom buy sub-sales due to the lower capital appreciation.<br>
  Voon bought a condominium in Damansara Perdana from a developer at RM278,000 in 2008; sold it in 2011 after completion for RM418,000. The property appreciated by 50% in three years.</p><p><b>Location?</b> Venturing outside of conventional locations to places like Rawang and Sg Long.</p><p><b>Homework?</b> Visit the area three times a day – morning, noon and night, observe traffic and crowd.Avoid? Been there and done that stuff. Serviced apartments are in an oversupply situation and flooded with too many young investors who enter either with low capital or no holding power. Their inability to pay will eventually affect the price I wish to sell for even though I have the holding power.</p><p><b>Caution </b></p><p>The low interest rate era that everybody is enjoying will soon come to an end. Anticipate a higher interest rate, lest you get caught with over commitment. </p><p>Set your buffer zone thicker.</p><p>Expect interest rate to hike up to 8%. An increase in installment will eat into your household savings. Whenever you are applying for loan, ask the banker to give you a few sets of calculation based on different interest rates to gauge the new monthly installment should interest rates hike in the future.</p><hr>
<p><b>LT, Realtor, KL</b></p><p>LT is a newcomer to property investing. She started out only two years ago, but she currently holds three properties under her belt, not to mention the previous one that she sold off. Even when starting out, her target properties were within the RM500,000 to RM700,000 range and has continued with this style for all her properties.<br>
</p><ul><li>
  Investing for rental yield</li><li>Property preference Residential condo</li><li>Properties Condo in Mont’ Kiara (stay), condo in Puchong (renting out), condo near Sunway (sold), condo in Damansara Perdana (under construction)
</li></ul>
<hr>
<p><strong>Alphonse, 48, Businessman, KL</strong><br>
A 48-year-old with eight years of experience investing in properties, his most successful investment to date is a double story link house in Subang that gained 40.7% of capital appreciation within six years. Bought at RM270,000 in 2003, it was then sold for RM380,000 in 2009. He searches for rental properties that must generate at least a 10% yield.</p>
<ul>
  <li> Invests for capital appreciation and rental yield.</li>
  <li> He divides his properties into two; properties valued below RM500,000 are rented out for yield, properties above RM500,000 will be reserved for capital appreciation.</li>
  <li> Looking for commercial properties within Kuala Lumpur around the price of RM1mil.<br>
  </li>
</ul><hr>
<p><strong>Property Consultant, KL</strong></p>
<ul>
  <li>  More than 10 properties in his investment portfolio.</li>
  <li> Invests for capital appreciation and rental yield.</li>
  <li> Always look for niche properties.</li>
  <li> Prefers commercial properties.</li>
  <li> Aiming for a RM1mil to RM1.5mil commercial lot.</li>
  <li> Advises first-time investors to start off with residential properties.</li>
  <li> Recommends areas along the proposed new MRT line specifically Kota Damansara, Sg Buloh and Kajang.  </li>
</ul><hr>
<p><strong>Industrial Sport, Dato’ Ong Seng Chye, 47, Johor </strong><br>
Dato’ Ong, a real estate principle from Johor only invests in industrial properties. A niche market, he buys industrial land, build factories then sells or lease to factory operators. </p>
<p>Having bought a land and constructed a factory at RM2.9 million in 2004/05, he sold it to a US-based listed company at RM4.5 million in 2010 for a profit of 55% within six years. During the interim, the property was renting out at RM30,000 per month. But he warns of a capital intensive outlay as a 50% down payment is normally required for such sport.</p>
<p><strong>How? </strong>He buys the land next to an established company. It will never go wrong as the company would want to expand in the future.</p>
<p><strong>Where?</strong> Mostly within Johor such as Gelang Patah and Bandar Nusajaya.</p><hr>
<p><strong>Quek WK, 33, Entrepreneur, PJ</strong><br>
  Although Quek WK, 33, invests nearer to where he stays in Petaling Jaya, he is quite a risk taker by buying off the plan. His buffer zone remains in the fact that he only buys from reputable developers in a
  good location. </p>
<p>In the wealth building stage, he prefers to purchase choice units at an early stage to be able to sell it off at a higher appreciation upon completion. </p>
<p>’The difference is how much you can make and how early you can sell the property.”</p>
<p>His other choice locales are Damansara, SS2, Section 14 and Setia Alam.
</p><hr>
<p><b>William Yap, 50, Sales Director, KL</b></p>

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<p>William prefers land investment to landed properties or condominiums due to the fact that land is scarce. Swimming against the tide, what normally people would avoid to invest in Queensland due to the recent floods may turn to be a potential investment. A 4,000 sq ft of land was selling at A$350,000 (RM1,122,950) prior to the flood. Now, you may be able to pick it up for A$75,000 (RM240,628). Give it four to five years, he says, for people to forget and in no time, you’ll find prices trending to its original state. </p>
<p>In another land purchase in 2009, an eight-acre land in Auckland, New Zealand had cost him only N$225,000 (RM721,863). Recently, an offer of N$320,000 (RM1,026,636) was received but he’s not selling as the infrastructure promised will be ready by end of 2011. By then, the valuation will have come up to N$485,000 (RM1,556,024), raking in 115.6% in two years!
</p><hr>
<p>Only Buy, Not Selling, Edwen Yew, 33, Developer, KL</p>
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<p>  Edwen Yew, who is a developer with an Australian property group, only buys and never sells.</p>
<p>’My principle is, if you sell, the money doesn’t belong to you.”</p>
<p>Although not selling, identifying who the next buyer would be is important before he makes the decision as it reflects the quality of tenant you will get.</p>
<p>’That’s why I will never touch student accommodation and hotels because it’s hard to know who your next buyer is.”</p>
<p>Investing since 2006, his investment appetite has transcended boundaries for diversification – Singapore, Guangzhou, Gold Coast, Melbourne and London.</p>
<p>His Aussie investment, a bungalow, which cost him A$250,000 (RM798,933) in 2006, is now valued about A$460,000 (RM1,469,887) and generates A$300 (RM959) per week with no rental problems. Yes, that’s how comprehensive and efficient Australia’s property management system is. </p>
<p>Locally, Mont’ Kiara, KLCC and Bangsar are considered areas of growth with good rental yields. For Edwen, prices of condominiums in the range of RM1 million to RM2 million with a rental rate of below RM10,000 are easy to be rented out to expatriates with a reasonable return rate. </p>
<p>His four-room, 1,700 sq ft condo with a good view and security in Mont’ Kiara bought for RM880,000 in 2007 has since appreciated 47.7% in four years to RM1.3 million. It generates RM6,800 in rental per month, that’s about 9.27% in rental yield. </p>
<p>Here’s advice from Edwen who started to invest in properties at the age of 28: ‘Start young. A lot of young adults who have the money only know how to enjoy life. I see them in nice, big cars but there’s not a single investment in property. Investing in property can never go wrong when you buy and sell at the right time.”</p><hr>
<p>Sherman, CEO, KL<br>
  He bought his first property in 1998 as a home. Today he has eight properties, ranging from condos to shop lots to industrial land. He has not sold any and you’d imagine how much his properties have appreciated through the years, especially those bought way back during the financial crisis aftermath. An example is a double-story link-house in Subang, which he bought for RM270,000 in 2003 and sold at RM380,000 in 2009 – after it has appreciated more than 40%. With the properties he has now, he fetches around RM40,000 per month from rentals and reserves the units, which are not rented for the future. <br>
  <br>
  Invest for rental yield.<br>
  Invests in Klang Valley, Johor, Penang and overseas.<br>
  Prefers landed properties.<br>
  Preferred price range of RM500 to RM1,000 per sq ft.<br>
Advises new investors to have a good grip on the fundamentals  and invest in matured residential areas.
</p><hr>
<p>Edralph, Chartered Accountant, KL <br>
  This experienced investor of more than 15 years is a high roller with more than 10 properties to his account. Straightforward enough, his strategy is to go where the crowd is, where busy commercial centers are. He owns property in established areas like Mont’ Kiara and within the KL City Center, trusting that the best tenants are those of the working class. He has a wide range of residential and commercial properties, whether it is a condo or an apartment, a shop lot or a terrace house. What matters are the bargain and the potential of capital appreciation or rental yields. </p>
<p>  Invests for capital appreciation and rental yield.<br>
  Preferred price range of RM300,000 to RM1.5mil in the Klang Valley area.<br>
  Advises to always renovate and touch-up your properties that are ?to be rented out to the best level possible.<br>
  Believes that the effects of the 70:30 Loan to Value Ratio for third house buyers will be felt by developers within the next few years.<br>
</p><hr>
<p><strong>Koh TC, 33, Subang Jaya </strong><br>
  (business partner of Quek WK from PJ)<br>
Like his partner Quek, Koh also looks into investing at an early stage and benefit from the early bird discounts. Koh said it is good to have a friend and partner to bounce ideas with. He prefers condominiums and apartments due to the affordability. Koh relies on the Internet to check on potential units as the information and Google Maps allow him to ascertain if a particular unit faces undesirable view.

</p><hr>
<p><b>Wilson Wong, Assistant Sales Manager, KL</b><br>
</p>
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<p>A 29-year old from Kuala Lumpur, he just started property investing earlier this year. Although fresh from his first investment, he’s backed by good fundamentals and is confident about his maiden condominium in Cyberjaya. His strategy? Buying under construction properties and selling it off at a higher value upon completion.</p>
<p>Invests for capital appreciation.<br>
  Looks for properties outside of Kuala Lumpur, focusing on Petaling Jaya.<br>
  Preferred price range is RM200,000 to RM750,000.<br>
  Thinks that the My First Home Scheme does not offer much help.<br>
Advises new buyers to buy in a location, which they know well.</p><hr>

<p>THE BALANCING ACT</p>
<p><b>At Your Own Backyard, Dr Peter Yee, Lecturer/Author/Property Investor, Selayang</b><br></p>
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<p>He buys, he holds and flips occasionally. You’ve probably heard of Dr Peter Yee from Selayang, a lecturer turned book author and property investor, currently preaching the path he took. But rather than joining the bandwagon of investing in the KL city center, he looks at his own backyard.</p>
<p>Investing near home has its practicality. Besides local knowledge, there are the nitty-gritty property management issues involved. Properties too far from where your eyes can see take up a whole lot of time from you. Therefore, 90% of his properties are within five minute’s driving distance from where he stays, which is at the periphery of the city center. </p>
<p>Although the capital appreciation in the locations he invests in may not be as enticing as other ‘hot” areas, it will be on the upside soon because there are a lot of people living near the city, and many more to come as the city becomes too expensive to live in.</p>
<p>…a city expands outwards about one mile per year and along with it the capital appreciation…</p>
<p>He quotes a research where a city expands outwards about one mile per year and along with it the capital appreciation of the land along the growth direction.</p>
<p>For him, a location is just another location unless properties there are able to generate income and easily managed. Being located near town or other smaller towns, it has the potential for capital appreciation.</p>
<p>He never believes in over commitment, buys two and sells one to save enough ammunition to accumulate a pool of properties over time. He is currently focusing on two types-landed shop offices and medium cost apartment or condominiums, all of which generates more than 10% yield. </p>
<p>’The property market is at a high now and it’s a seller’s market. There will be buyers and it’s a good time to sell off older properties, especially those whose values have gone up but not giving good rental yields.</p>
<p>’After every boom, a bust will come. While no one can predict, my guess is that it will happen in three to five years time.”</p>
<p>Significant Property Investments<br>
  Location? Bandar Baru Selayang<br>
  What? 3-story landed shop office<br>
  When? Bought in 2006 at RM648,000 off the secondary market. After five years it has now appreciated about 100% with a market value of RM1.3mil. It generates a rental of RM5,200 per month. That’s more than 9% yield based on original purchase price. </p>
<p>’This is a good property to keep. Never sell a good property.</p>
<p>’It’s a sin not to buy” an apartment valued at RM75,000 but auctioned at RM45,000. With an acquisition cost of less than RM50,000, now, it has become an income generator of RM500 to RM600 per month, giving about 10% yield. </p>
<p>Still bewildered at how some will complain that there are not enough affordable properties, he says these are properties that nobody wants or looks at, in other words ‘no class”. We still buy because we look at the money factor.</p>
<p>’You cannot go wrong buying properties lower than market value. But finding one is not easy.”<br>
</p><hr>
<p><b>Gavin’s Gamble, Gavin Tee, Founding President, KL</b><br></p>
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<p>How often do you get to buy a tower? Not, unless you are Donald Trump or in the band of an investors club. Gavin Tee, Founding President of SwhengTee International Real Estate Investors Club and more than 20 others will be getting their hands into a tower of their own, to be exact – one of the two corporate towers of VSQ by Malton Bhd at above RM100 million. </p>
<p>This 20-story tower with a net lettable area of 166,000 sq ft, 39 units altogether, is slated for completion by 1Q 2012. Market price for surrounding offices trends around RM700 per sq ft, he says and expects prices to inch upwards after completion. Imagine if all were sold at RM700 per sq ft, they will make a whopping RM16 million within two years! </p>
<p>On the personal side, he went against the tide and invested in a gated and guarded bungalow in SS23 when many others were rushing to buy condominiums within the KLCC area in 2008 and 2009. A jewel missed by many. What has cost him RM3.3 million at the end of 2009 has now an offer of RM4 million made only recently.</p>
<p>He believes that all units purchased must have positive cash flow and not to leverage on the financial capacity of others or to take up loans that will be a burden to oneself. Therefore, a portfolio management consisting of high and low risk investments are encouraged, he concludes. </p>
<p>Potential areas? Malacca, Kota Kinabalu, Penang, Langkawi.<br>
  Investing guidelines? Prime city area, globalized location, tourism related area; see how well the surrounding properties complement each other. <br>
  Preference? Commercial properties due to the measures imposed on residential properties. Price range of RM250,000 to RM500,000, a safe bet and easier to transact; above RM1 million, better appreciation in the future.<br>
</p><hr>
<p><b>Erman bin Mohamed, 35, Mechanical Engineer, Terengganu</b><br></p>
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<p>Following investment strategies from a book, a 100km radius from where he is based in Paka, Terengganu, gives him two options – Kuantan and Kuala Terengganu. </p>
<p>He started property investment with a single story terrace in front of a polytechnic school in Terengganu. With students as his prospects, low rentals may be a problem. Bought in 2003 at RM79,000 from developer, he furnished the unit to maximize space and rented it out at RM800 per month instead of RM400 if left as it was. Kept for five years, he flipped the property in 2007 for RM100,000, gaining an appreciation of 26.6% in four years, for cash flow to buy another property. </p>
<p>To avoid? Single- and double-story bungalows in Terengganu as rentals are low in comparison to the value of the property; single-story bungalow valued at RM200,000 fetches about RM500 rental per month. The installment you pay, however, is RM1,200 per month.</p>
<p>Next property venture? Looking into investing properties with a group of friends. Serviced apartment or studio unit at Bukit Gambang.<br>
</p><hr>
<p><strong>Land Investment, anyone?</strong></p>
<p><b>Dato Sekarnor Che Omar, 55, Developer, Kelantan</b><br>
</p>
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<p>He looks for investments with minimal capital to maximize profits. What investment can bring you such except for land investment? However, land investment is a long term one where you hope to reap the profit in 10 years’ time.</p>
<p>An amount of RM300,000 to RM400,000 is all you need to get a piece of three-acre land in Kelantan, he says, placing importance in checking with authorities and surveyors to find out the future development in the surrounding areas and of the land. </p>
<p>He has a landbank in Tok Bali, an emerging landmark 30km from Kota Bahru. This land was of no economic value between five and 10 years ago. Today, a few education institutions are within its radius, with a new resort development by the sea. <br>
</p><hr>
<p><b>Jason Banker, 27, KL</b><br>
</p>
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<p>This 27-year-old banker started buying properties one year ago. But in that short span, he has already bought four properties. His properties range from an apartment, a condominium, a serviced apartment and double-story terrace house, all within the range of RM140,000  to RM500,000. He rents out his properties and is planning to get a commercial lot for his next investment. </p>
<p>  Invests for capital appreciation and rental yield.<br>
  Prefers properties near colleges, near to city center or near an LRT station.<br>
  Advises new investors to look for discounts, get cheap prices, take longer term loans and not to lock-in the loan to contract so you would be able to sell off the property within a short period.<br>
  Recommends TTDI, Damansara Perdana, Kajang and KL City Center area.<br>
</p><hr>
<p><strong>Kent, Consultant, KL</strong></p>
<p>Kent started buying property five years ago. The first was a landed property to call home in Bukit Jalil, which he bought for around RM450,000. This property has since appreciated about 66% to RM750,000. He went on to invest in two high-rises – one in Petaling Jaya, which is rented out, and the other in Kuala Lumpur, is still under construction. Now that his foundation is in place, he sets his sights on a commercial property priced at RM1mil to RM1.5mil to have an even fruitful return.</p>
<p>  Invests for capital appreciation and rental yield.<br>
  Prefers a gated and guarded property with good accessibility.<br>
  Advises new investors not to over borrow when buying property.<br>
  Recommends commercial lots in KL City Center. <br>
  Calculated risk taker.<br>
</p><hr>
<p><b>David, 34, IT Analyst, KL</b> <br>
</p>
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<p>34-year old David bought his first piece of property for investment five years ago in Kota Damansara. It was RM520,000 for a link-house, which has appreciated to RM700,000 today. Along the way he also bought a condo in Kelana Jaya worth RM320,000, and within a few years it appreciated 25% to RM400,000. He rents both of these properties out at RM1,800 each per month, preferably to the working-class singles or students. When hunting for property, he stays away from locales next to the LRTs because of the high traffic level and density that he thinks may hurt prices. It is also important to him that he likes the area and knows the real value of his next investment.</p>
<p>  Investing for rental yield.<br>
  Looking to invest in commercial properties within the KL City Center with a budget above RM1mil<br>
  Prefer condos.<br>
  Recommends South Garden, SS2 Petaling Jaya and KL City Center area.<br>
</p><hr>
<p><b>Tan Yang Po, 48, CEO, Singapore</b><br>
</p>
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<p>This 48-year-old Singaporean has invested in property for the last 20 years now. Her target market now is Singapore, Malaysia, the US and the UK for she believes that these locations have a mixture of crisis and opportunity that can be taken advantage of. She focuses on residential properties because she believes that it is more secure and is of lower risk.</p>
<p>  Invests for capital appreciation and rental yield.<br>
  Believes it is not about the price, but about the returns.<br>
  Bought a property in Singapore and sold it within two months for a profit of S$60,000 (RM145,523). <br>
  Advises first-time buyers to educate themselves before investing.<br>
</p><hr>
<p>David J, 50, Civil Engineer, Kota Kinabalu, Sabah<br></p>
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<p>  50-year-old casual investor.<br>
  Has about six properties spread out from Kota Kinabalu to the outskirts of Keningau.<br>
  Prefers high-rise properties but also acquires land for investment.<br>
  Intends to keep the properties as long-term investments for his children.<br>
  Believes that property prices in Kota Kinabalu especially, will hike up.<br>
</p><hr>
<p>Lee CA, 39, Professional Photographer, KL</p>
<p>  Calculated-risk investor.<br>
  Bought first property in 2006. Focused on commercial properties.<br>
  Buying a unit in the new KL Eco-City.<br>
  Adopts the buy-and-sell strategy to get quick returns.<br>
  Buy properties collectively with partners.<br>
  Buy properties under his company’s name.<br>
</p><hr>
<p>Sr Kang Wee Leng Surveyor, PJ</p>
<p>Sr Kang is a man with a traditional sense when it comes to investing. He never exceeds his capabilities. To him, your capability to own a property depends on how well you adapt to your financial fluctuation. His first investment was about five years ago and to date, has four properties under his wings. Of those, three are residential properties while another is an office lot. He prefers investing closer to home, where three of his properties are within the Petaling Jaya area.</p>
<p>  Planning to dive into commercial properties.<br>
  Scouting for good investments along the proposed MRT line.<br>
  Alert of developers’ background.<br>
  Advises new investors to prepare the capital before investing and not go beyond their capability.<br>
</p><hr>
<p><b>Eugene Liew, 29 Senior Real Estate Negotiator, from Kuala Lumpur</b><br>
</p>
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<p>  Invests for capital appreciation and rental yield.<br>
  Seven years of investing experience.<br>
  Determines property value and makes sure that the property being bought has future potential.<br>
  Prefers to invest in condos, landed properties and ?retail lots.<br>
  Preferred price range of RM500,000 to RM750,000.<br>
  Advises first-time buyers to calculate risks and not to succumb to outside influence.<br>
</p><hr>
<p>Alan Kueh, 34, Architect, KL</p>
<p>This 34-year-old has been investing in property for five years now. He practices a combination of capital appreciation and rental yield, but believes that the yield may be the deciding factor on whether to hold or sell the property.</p>
<p>  Combination of a high-risk and slow and steady investor.<br>
  Suggests investing in Cyberjaya, Puchong and Petaling Jaya.<br>
  Prefers niche high-end developments.<br>
  Believes location is the main denominator – places with good amenities and good connectivity are always good to invest in.<br>
  Advises not to stretch your budget limits when investing.<br>
</p><hr>
<p><strong>SLOW AND STEADY THE RISK AVERSE</strong></p>
<p>Can You Risk It?</p>
<p><b>Jonathan Lee, 29, COO of a Realtor Company</b><br>
</p>
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<p>It’s a number game. Jonathan Lee’s rule of thumb is 3:1. </p>
<p>’Buy three properties that generate positive cash flow, thus enabling you to afford the fourth property to gain capital appreciation.” </p>
<p>Started his first property purchase in 2005. This 29-year-old knows how much he can afford to lose – none. </p>
<p>’We need to look at the risk-reward ratio where many fail to look at.” </p>
<p>And with the current 70% loan cap on your third residential purchase, all the more reasons there is to justify your investments. He illustrates; if one buys a landed property for RM500,000, RM150,000 is needed for down payment. By virtue, properties generally will appreciate by 30% after completion. For him, a 30% down to make RM150,000 is not justifiable. </p>
<p>It is due to such ruling too that he finds investing in apartments and condominiums more affordable. </p>
<p>Apart from assessing the risk-reward ratio, Jonathan has a simple formula for his capital gains strategy. </p>
<p>’If it can get me a certain amount of gain, I will sell it, regardless of time.”</p>
<p>Being in the industry also has its benefits. He works in a realtor company as the Chief Operating Officer.</p>
<p>’I have the benefit of knowing when the market peaks for a particular property. And I will sell it slightly below market peak as long as there’s a minimum of 30% of capital appreciation.”</p>
<p>He currently has a few properties under his stable, mostly within the Mont’ Kiara locales. All his properties generate a positive cash flow with the exception of two as they are still under construction. </p>
<p>Risk-Reward Ratio Justified<br>
  Location Mont’ Kiara<br>
  What 1-bedroom service apartment<br>
  When bought in October 2009 at RM370,000; sold in August 2010 for RM490,000. <br>
  Down payment of RM37,000; a round-up of other costs and down payment come up to about RM48,000.<br>
  Gross profit RM120,000, 32.4% appreciation within one year.</p>
<p>Characteristics of Investible Properties<br>
  Pose minimum risks Properties need to be rentable (generating positive cash flow) and to be able to cover the cost funds.</p>
<p>Prime location Quality and high concentration of population such as PJ, Damansara Uptown, KLCC, Desa ParkCity, Mont’ Kiara These areas thrive even with the absence of good public transport and connectivity.</p>
<p>Price preference Properties valued at RM1.5mil and below, as many people are transacting in that price range.<br>
</p><hr>
<p>100:10:1, Andrew Saw, 29, Real Estate Negotiator, Wangsa Maju<br>
  The purpose of investing is to make money and make more money. What then is the logic behind selling a property at below market value or renting out at below market rental rates? It is probably not often heard of; if not, never.</p>
<p>Though only 29 years old, Andrew Saw, a real estate negotiator from Wangsa Maju, has learned to add value while making money. He will not let greed come in the way in comparison to many who are just looking to jump in and make quick fluke bucks.</p>
<p>His current apartment in Setapak is currently rented out at RM850 per month, generating a yield of 7.8% instead of the current market rate at RM1,000. He believes by renting out at a reasonable rate and not squeezing it off someone, they will in turn be your long-term tenant, one who will pay promptly and without much tenant problems. If at all you want to rent out at market rates, throw in perks and furnish the unit. In other words, ‘add value to their lives”.</p>
<p>’After all, the reason people rent is because they can’t afford to have their own properties.”</p>
<p>’And if ever the market moves to about RM250,000 due to its booming nature now in Setapak, I’ll sell it at RM230,000.” Puzzled? </p>
<p>In his foray, which started in 2008, he stumbled upon the apartment and purchased it in 2010 for RM130,000 instead of the market value at RM180,000. He made RM50,000 onset and he sees no need in settling for more. </p>
<p>The answer lies in ‘100:10:1″, he says and it takes effort. </p>
<p>He sees 100 properties, makes 10 offers and buys only one. By then you would already have a general view of the properties and its prices in the areas before making the decision, he says. </p>
<p>While it may take quite a while to complete the 100-property race, befriend real estate agents and build rapport with people in the industry. They will be able to get you there faster than you think.<br>
</p><hr>
<p>CP Samy, 50, Group Sales Manager, Johor Bahru<br>
  Investing for almost 15 years, CP Samy, a 50-year-old Group Sales Manager of an insurance company in Johor, only invests in commercial properties. He says these properties give better return with good appreciation value compared to residential. CP is from Johor Bahru and he never invests too far off from where he stays. Commercial centers of fewer than 20 units are not in his books as these are normally small commercial conveniences that serve a neighborhood and not an entire township. </p>
<p>’The township is where the people are. Hence, it would be easy to get rentals.”</p>
<p>One of his successful property investments is in Taman Molek, Johor, which he will not sell. Having bought the three-storey shop lot in 1998/99, it now generates a rental of RM7,500 per month. Today, it is valued at RM1.5 million. </p>
<p>His wise words: buy from developers with good reputation and properties with good access; get good agents and honor their commission.<br>
</p><hr>
<p>Ethan Keong, 33, IT Professional, Setapak</p>
<p>  Looking at Capital appreciation and rental yield.<br>
  Location Seri Kembangan, Kajang, places with good facilities and malls that are near to Cyberjaya.<br>
  Why Because most of the working population  in Cyberjaya do not stay in Cyberjaya itself and may want to rent elsewhere that is nearer.<br>
  What Only residential; condominium, terrace houses in the range of RM300,000 to RM350,000.<br>
</p><hr>
<p>Koh SK, 37, legal profession from Batu Pahat, Johor </p>
<p>Have to know the project, location and type, and your own budget.</p>
<p>Looking at possibility to invest in KL and to expand business.</p>
<p>Interested in office blocks and shop offices as they are easier to be managed unless you are a full time property investor.</p>
<p>Caution As a steady investor, if you don’t have that 30% extra on top of your down payment to buffer yourself against additional costs and emergencies, you are not ready to buy that property. </p>
<p>Another consideration, which many may not realize, is that the noise level increases with higher floor unit when there is a commercial component at the bottom. Some of us think the higher the unit the lesser noise they get. Not true. Koh says he’s been there to experience the noise factor first-hand. It is not any quieter as you go higher.<br>
</p><hr>
<p><b>Jimmy Phuah, 35, Entrepreneur, KL</b><br></p>
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<p>  Three years of investing experience.<br>
  Invests for capital appreciation and rental yield.<br>
  Purpose of investment is to create a stream of passive income.<br>
  Prefers areas within Klang Valley and properties that adopt the LOHAS concept.<br>
  Preferred price range of RM250,000 to RM500,000.<br>
  Advises investors to always be alert of economic development and changes in government policies.<br>
</p><hr>
<p><b>Chan WK, 28, from OUG, KL</b><br></p>
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<p>  Preferred Location around OUG, Bukit Jalil, Sri Petaling.<br>
  Why For convenience sake as they are nearer to her home and work place.<br>
  For Own Occupation Apartment/Condominium with price ranging between ?RM80,000 and RM100,000.<br>
  For Investment A condominium below RM200,000; prefers to buy in the secondary market.<br>
  How Will wait till the next economic slowdown and start buying for ?investment first before saving capital to buy dream home.<br>
</p><hr>
<p><b>’No time to play proerty” Robert, 56, Executive Vice President and wife Angie Chong, 56, housewife from Setiawangsa </b><br></p>
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<p>Preferred characteristics Freehold, landed, near to city, accessible with network of roads and highways.<br>
  Pays more in downpayment and with excess cash to reduce principal sum and interest; and to pay up in less than 10 years.<br>
  Bought a two-story link house at less than RM200,000 ?in 1994. Today, it is valued at RM600,000; not selling; 200% appreciation in 17 years.<br>
  Bought a condominium in 2001 at about RM200,000; today it has appreciated to RM300,000, generating RM1,650 rental per month; 50% appreciation, 9.9% yield.<br>
  Next property venture A landed property in the range of RM600,000, in hopes to be future investment for their children.<br>
</p><hr>
<p>Colbert Low, 36, Computer Engineer, KL</p>
<p>  An annual income of RM50,000 ?to RM100,000.<br>
  Invests for capital appreciation.<br>
  Adopts the buy-and-hold approach ?to property investing.<br>
  Preferred area is Puchong.<br>
  Advises to do research and bargain ?for your property.<br>
</p><hr>
<p><b>Low CH, 45, Chief Project Director, KL</b><br>
</p>
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<p>  45-year old non-aggressive investor.<br>
  Invests for capital appreciation and rental yield.<br>
  Six years of investing experience.<br>
  Annual income of RM100,000 to RM500,000.<br>
  Looks for properties in good locations with good rental yield.<br>
  Prefers Kuala Lumpur as investment location.<br>
  Prefers landed property and would like to ?invest in land in the future.<br>
  Preferred price range of RM200,000 to RM750,000.<br>
  Most successful investment is a double-story link house in Seri Gombak, which has ?appreciated more than 100% and has yielded RM43,200 in six years.<br>
  Advises buyers to take note of economic cycle and never think that a place is too expensive.<br>
</p><hr>
<p>Esther Chong, 38, Sales and Marketing Manager, Setapak<br>
  Her preference for a location that is convenient for her school-going children and proximity to her relatives has led her family to sell off their properties. At least their properties were disposed with<br>
  some profit. </p>
<p>With house prices on the rise, she does not mind looking into areas like Kepong, Rawang, Sungai Buloh despite being older housing areas and not-so-popular locations. She prefers landed properties with at least five rooms.<br>
</p><hr>
<p>Alvin, Engineer, Penang<br>
  This investor from Penang says that when investing in properties outside of Kuala Lumpur, it is best to dive into commercial properties. Investing in Penang specifically, he prefers to buy from the secondary market and get good deals rather than straight from the developers as the prices are already high anyway. He prefers ground-floor shop lot units when investing but also owns an apartment to take advantage of its location near Universiti Sains Malaysia (USM) and rents it out to students.</p>
<p>  Investing for capital appreciation and rental yield.<br>
  Preferred location is Bayan Baru, Penang.<br>
  Property investing range of RM500,000 and below.<br>
  Looks for low-priced units with 7% rental yield and above. <br>
  Low-risk investor.<br>
</p><hr>
<p><b>Sydney Goh, Account Specialist, from Ipoh, Perak</b><br></p>
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<p>Sydney is a professional in her late 30s, who opened her property investment portfolio about 10 years ago in Ipoh. After she moved to Kuala Lumpur for work, she gradually added more under her belt and had a total of eight properties. </p>
<p>In Kuala Lumpur, she prefers buying condos but advises on landed properties in Ipoh. She confesses that buying in Ipoh is not as rewarding as Kuala Lumpur, in terms of investment. When hunting, she locates the busy areas (i.e. commercial centers), then calculate a property not too far and not too near the area. She advises first-time buyers to take it easy and not to jump to decisions, not before carefully evaluating the property.</p>
<p>  Invests for capital appreciation.<br>
  Freehold or leasehold is not a concern.<br>
  Sold off five properties within 10 years, currently have three.<br>
  Holds on to property and roughly sells when value is double the initial investment.<br>
  Recommends Kota Kemuning and Bukit Jelutong.<br>
</p><hr>
<p>Jeslyn Wong, Sales Manager, KL</p>
<p>  Casual investor with three properties; an apartment, a condo and a townhouse.<br>
  Stays in the condo and rents out ?the other two.<br>
  Prefers properties within a good ?township and community in Klang Valley.<br>
</p><hr>
<p>Kelvin Chong, 36, Banker, KL</p>
<p>  Slow and steady investor with 10 years of investing experience.<br>
  Invests for capital appreciation and rental yield.<br>
  Annual income of above RM100,000.<br>
  Invests in condos, shop lots,semi-detached units and bungalows.<br>
  Preferred locations are Mid Valley and the KL City Center.<br>
  Will sell property when it appreciates 30% to 40%.<br>
</p><hr>
<p>Jessy Tan, 36, Mortgage and Funding Advisor, Penang</p>
<p>  Slow and steady investor working ?in Kuala Lumpur.<br>
  Invests for capital appreciation. <br>
  Almost three years of investing experience.<br>
  Preferred locations are Penang and Klang Valley.<br>
  Invests in terrace houses and condos.<br>
  Preferred price range of RM250,000 to RM500,000.<br>
</p><hr>
<p><b>Chee Ee Lyn, Assistant Manager, KL</b><br>
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<p>Bought first property five years ago.<br>
  Stays in a condo in Petaling Jaya and is renting out another in Bandar Pelangi ?Utama for RM1,500.<br>
  Next investment will be a landed property in USJ.<br>
  Interested to buy property within the KL City Center. <br>
</p>
<p>Harish Subramaniam, 37, Digital Marketing Entrepreneur, KL</p>
<p>  Slow and steady investor with eight years of experience.<br>
  Invests for capital appreciation and rental yield.<br>
  Does not adopt any one strategy but makes sure that he has good understanding of the location where he’s buying and has researched the developer.<br>
  Preferred investing location is in Taman Desa. <br>
  Looks at location, accessibility, community and affordability. <br>
  Prefers to invest in condos.<br>
</p><hr>
<p><strong>FIRST TIME HOUSE BUYERS KEEPING IT ON THE LOW</strong></p>
<p><strong>Housing Nesting Grounds, Dr Tan Kim Han, Property Manager/ Investment Advisor, KL</strong></p>
<p>What are the similarities between swiftlets and property? According to Dr Tan Kim Han, founder of Royal Bird’s Nest and DAMA Bird’s Nest, who is also a qualified property manager and licensed investment advisor, it’s one and the same. The only difference is, instead of human tenants your occupancy is taken up by these agile little birds – with a talent to make valuable nests.</p>
<p>Dr Tan explains that investing in ‘swiftlet property”, or a ‘bird house”, may yield greater returns than the traditional property investing everyone is familiar with. </p>
<p>’Swiftlets are expensive tenants,” Dr Tansays. ‘When more of these little birds make your property their home, your property’s capital appreciation rises.”</p>
<p>’Say there’s 1,000 birds making your property their home, and each one is worth RM200, that’s a RM200,000 increase in capital appreciation,” explains Dr Tan. </p>
<p>’A swiftlet’s nest is valued roughly around RM4,500 per kilogram,” Dr Tan shares, ‘…and if these birds in your property can produce just one kilo of nests, that’s equivalent to RM4,500 of rental every month.” </p>
<p>Do not be mistaken though, it is not as simple as constructing a building and go. It requires research, analysis and expertise to have your bird house up and running. With and initial base of RM700,000 to RM800,000 required just for starters, Dr Tan agrees that this is a high-risk investment for those who jump in without a plan. </p>
<p>A profitable trade if done successfully, the government is also supportive for more people to take on swiftlet nest production, especially in rural areas to eliminate the hardcore poor status from the forms. But for property investors who would like to dive into a different, more challenging but more rewarding angle of property investing, swiftlet nest farming might just be the flavor for you. And who knows, it may even outperform those hardworking condos you’re renting out now. <br>
</p><hr>
<p><b>Zakaria bin Mohd, Sales Executive, KL</b><br></p>
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<p>First-time home buyer.<br>
  Believes the My First Home Scheme helps to keep his options open.<br>
  Looking for a place in Sentul or along Jalan Ipoh.<br>
Planning to invest for rental income ?in the future.</p><hr>
<p><b>Julius Goh, Executive, KL</b><br></p>
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<p>  First-time buyer.<br>
  Aiming to invest in a landed property in Mutiara Damansara valued ?around RM1mil.<br>
  Aspiring to buy land in Cyberjaya and build a home.<br>
</p><hr>
<p><b>Saliza Nizar, Sales Admin, KL</b><br></p>
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<p>  First-time home buyer.<br>
  Looking for a super link-house to stay with her family.<br>
  Feels the My First Home Scheme is good but it is hard to find a good home that is below RM220,000.<br>
  Preferred locations are Bangi, Puchong, Seri Kembangan and Cyberjaya.<br>
  Preferred price range of RM250,000 to RM500,000.<br>
</p><hr>
<p>Flora, Insurance Agent in KL</p>
<p>  Home buyer.<br>
  Bought RM285,000 condo off Jalan Kuching in 2008.<br>
  Price has appreciated more than 100% today.<br>
  When buying to stay, the most important thing is to love the area.<br>
  Thinks about transportation and accessibility.<br>
</p><hr>
<p><b>Azlina Mokshin, Executive, Ipoh</b><br></p>
<div style=”margin: 1px 5px; padding: 3px 5px; width: 150px;”> <img src=”http://homefinder.com.my/wp-content/uploads/2011/12/invest_24.jpg” alt=”” style=”border: 0pt none; clear: both; display: inline-block; margin: 0pt ! important; padding: 0pt ! important;” mce_src=”http://homefinder.com.my/wp-content/uploads/2011/12/invest_24.jpg” mce_style=”float: left; border: 0pt none; clear: both; display: inline-block; margin: 0 !important; padding: 0 !important; ” border=”0″>
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<p>  First-time buyer working in Kuala Lumpur.<br>
  Would like to invest in an apartment in USJ that can fetch a rental of RM2,000 per month.<br>
  Prefer locations near education institutions or ?with high concentration of expats.<br>
  Would love to buy a condo ranging from RM500,000 to RM1mil in her hometown, Ipoh.<br>
</p><hr>
<p><b>Crest T, Lecturer from Kota Kinabalu</b><br></p>
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<p>  First-time home buyer.<br>
  Bought a 1,100 sq ft condo priced at RM236,000, under construction. <br>
  Prefers the Penampang, Sabah area as it is close to her family and a good location just outside the Kota Kinabalu city.<br>
  Looks for properties with good facilities and accessibility.<br>
  Uses Bumiputera status for discounts.<br>
Aiming to invest in properties within Kota Kinabalu.</p>
<p>There’s Always Room for Money<br>
  Yes, that’s a treasure chest of proven strategies and techniques when it comes to property investment, but of course, not without breaking into sweat or pain. </p>
<p>Property hunters are on the rise, especially those who are at the wealth building and accumulation stage, seeking off-the-plan bargains and making profits when the property completes. Interestingly, some find the secondary market unexciting; probably knowing that money has already been made at the earlier stage, driving some of the real estate prices through the roof. But you’ll never know when a good deal is lurking around the corner just as how some of the 50 above have made. </p>
<p>There is a reason to the 70% loan-to-value cap on the third residential purchase. Though not welcomed by most property investors, appetite has since shifted to apartments, condominiums and commercial properties to make big bucks. </p>
<p>While property investors do not welcome it, truthfully, it does give a certain degree of comfort that there are still chances to own a home without worrying that house prices are beyond the everyday Malaysian’s means. We are getting there…if left unchecked.</p>
<p>That said, we have had several good real estate years since the aftermath of the Global Financial Crisis where the initial capital required to purchase and interest rates are low. Some are savoring distressed properties where original buyers, be it genuine buyers or speculators, are unable to hold. Well, word has it that things may change soon. And it doesn’t take rocket science to know that what goes up, must come down. But in the world of investments, it is often preached that money can be made be it on the upside or the downside. Now, many lie in wait for the next property downturn to jump in and hopefully make some fluke shots.</p>
<p>Till then, enjoy this favorable condition while you can, only set your buffer zones thicker and put some calculation sense in your foundation before jumping onto the next bandwagon while the rest prepares the ammunition to catapult themselves higher into the world of property investments.<br>
</p>