Which ever means deriving positive returns will be the best approach. About 80% of singaporean lives in HDB. Not many will be able to afford a 2nd property as prices of properties in Singapore is sky high. So the only solution is to look for alternative ways to grow using this financial instrument. Property is by far, I would say, the best financial instrument for capital gain on a long term basis, unless otherwise. Maybe you needed to liquidate your fund instantly.
It can be short term gain if the area you invest in booms.
There is a lot of homework to do. Buying a home is also an investment, until you sell it. Most of the houses in Malaysia are freehold. Everyone wants to sell at appetising price but the rule of thumb is always the locality, potential and convenience of your house.
Buying in Johor Bahru
When is the best time to buy? Now. Nobody can anticipate the downtime therefore a waiting game can easily stretch for 10 years down the road. Do a detailed homework on which and where to buy instead of buying low, how low is low. Waiting for financial crisis may not be wise unless time is on your side. Even if you are young, you will soon see time flies.
If you think that buying a property for investment doing nothing and waiting for returns then this may not be right for you. I always believed, take care of it, assets, and the return will be stable, if not more.
