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Assumptions of This Model
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1This case study does not consider the first and only property (own stay) as an investment, since it is impractical to sell the property to cashout without already having another property.200
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2The CAGR of S&P 500 investment case is inclusive of dividend reinvestment.200
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3The excess paid for property each year is considered as annual investment for the property.
This amount will be added to the S&P 500 investment as DCA for a fair comparison.		400
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4The excess obtained from rental each year is considered as annual dividend from the property.
This is added to the final combined value of the property investment (house price + rental gain)
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5The net value for property investment is:
Property market value x (1-discount for disposal) + net rental gain
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6There is a midterm renovation for property investment after 20 years. The same amount spent will be added to the S&P 500 investment as DCA.
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7MYR-USD currency exchange fluctuation is not considered.
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8The rental could be managed via an agency (with commission) or via self.
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9Quit rent, parcel rent, and assessment rate are not considered.
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