Property Investment Potential Analyzer
房地产投资潜力分析器
Strategically Evaluate Your Financial Future in Property Investments.
策略性评估您在房地产投资的财务前景。
Considering a significant property investment? This advanced analyzer is designed for discerning investors to project potential financial outcomes and understand long-term implications. We encourage leveraging these insights in consultation with our licensed financial advisors. Benefit from a complimentary 15-minute strategic consultation and a comprehensive financial report to empower your investment planning.
正在考虑重大的房地产投资吗？此进阶分析器专为具慧眼的投资者设计，助您预测潜在财务成果并理解长期影响。我们鼓励您结合这些分析结果，咨询我们持牌理财顾问的专业意见。您可享有免费15分钟策略咨询及全面的财务报告，助您规划投资旅程。
Financial Parameters
财务参数输入
Illustrative Example / 说明性示例
Preset values are based on a property price of RM700,000, with a loan of RM635,000 at a 4% p.a. interest rate over a 35-year tenure.
预设数值基于一个说明性示例：房产价格 RM700,000，贷款 RM635,000，年利率4%，期限35年。
Customize Property Return Assumptions
自定义房地产回报假设
Investment Projection Analysis
投资预测分析
Total Capital Deployed
总投入资本
MYR 0
Represents the sum of the downpayment and total monthly instalments over the specified instalment period. This figure does not account for investment growth or rental income.
此为首期付款加上总分期付款期内每月分期付款的总和，尚未计入任何投资增长或租金收入。
Investment Strategy 1: KWSP 投资策略一：公积金 (KWSP)
Projected maturity value from a foundational savings plan, typically characterized by minimal active management.
来自基础储蓄计划的预计到期价值，通常仅需最少的积极管理。
MYR 0
Investment Strategy 2: Property 投资策略二：房地产
Projected maturity value from direct property ownership, an avenue often necessitating active participation and strategic oversight.
来自直接房地产持有的预计到期价值，此途径常涉及积极参与及策略性监管。
MYR 0
Investment Strategy 3: Managed Portfolio 投资策略三：管理投资组合
Projected maturity value from a globally diversified portfolio, professionally managed to align with your financial objectives.
来自全球多元化投资组合的预计到期价值，由专业团队管理以配合您的财务目标。
MYR 0
Investment Growth Projection Over Time
投资增长趋势预测
The chart below visualizes the projected account balance for each investment strategy, illustrating their growth trajectory over the holding period.
下图将每个投资策略的预计账户余额视觉化，展示其在整个持有期内的增长轨迹。
Projection Details
详细预测
Important Considerations & Disclaimer
重要考量及免责声明
Strategic Financial Planning Advisory: 策略性财务规划建议：
For comprehensive and personalized long-term investment strategies, particularly when evaluating significant commitments such as property, it is prudent and practically indispensable to consult with a licensed financial planner. A qualified financial planner can provide a holistic assessment of your financial situation, risk tolerance, and long-term objectives, offering unbiased advice tailored to your specific needs. This contrasts with guidance that may be offered by parties with a narrower focus, such as property agents, whose expertise typically centers on real estate transactions rather than comprehensive financial and retirement planning. Understanding the true, risk-adjusted performance and long-term implications of any investment, including property, is best achieved through professional financial counsel.
对于全面和个人化的长期投资策略，尤其是在评估如房地产等重大承诺时，咨询持牌理财顾问是审慎且实际上不可或缺的。合格的理财顾问能够对您的财务状况、风险承受能力和长期目标进行整体评估，提供针对您特定需求的无偏见建议。这与可能由专注范围较窄的相关人士（例如房地产经纪）提供的指引有所不同，后者的专业知识通常集中在房地产交易而非全面的财务及退休规划。要了解包括房地产在内的任何投资的真实、经风险调整后的表现及长远影响，最好是透过专业的财务咨询。
This Property Investment Potential Analyzer (the "Analyzer") is designed as a preliminary tool to assist you in exploring potential financial outcomes of various investment scenarios. The financial projections, charts, and analyses generated are estimates based on the data you provide and predefined assumptions regarding rates of return and qualitative factors. These are intended for informational and illustrative purposes to facilitate initial understanding and comparison.
此房地产投资潜力分析器（简称“分析器”）旨在作为初步工具，协助您探索各种投资方案的潜在财务成果。所产生的财务预测、图表及分析均为基于您输入的数据以及预设的假设回报率和定性因素所得出的估计。这些信息仅供参考及说明之用，旨在促进初步理解和比较。
Please be aware that these assumptions and the resulting estimates are subject to variations from actual past or future market conditions and individual investment performance. The Analyzer is a modeling tool; while developed with care, its outputs are illustrative and should be considered as one of many resources in your financial evaluation process. It does not account for all possible variables, market fluctuations, taxation, or individual financial circumstances.
请注意，这些假设及由此产生的估计可能会与实际的过去或未来市场状况及个人投资表现有所差异。本分析器为一模型工具；尽管开发过程力求审慎，其输出结果仅为说明性质，应视为您财务评估过程中的众多参考资源之一。它并未考虑所有可能的变量、市场波动、税务或个人财务状况。
The information provided by the Analyzer does not constitute financial, investment, legal, tax, or any other form of professional advice. It is not a recommendation or solicitation to buy, sell, or hold any specific investment. All investments involve inherent risks, including the possible loss of principal. Past performance is not indicative of future results.
分析器提供的信息不构成财务、投资、法律、税务或任何其他形式的专业建议，亦非购买、出售或持有任何特定投资的推荐或招揽。所有投资均涉及固有风险，包括可能损失本金。过往表现并非未来业绩的指标。
You are encouraged to use the insights gained from this Analyzer as a starting point for further research and discussion. Responsibility for all investment decisions rests solely with you. Users acknowledge that reliance on the Analyzer's outputs for making binding financial commitments is at their own discretion and risk.
我们鼓励您将从本分析器获得的见解作为进一步研究和讨论的起点。所有投资决策的责任完全由您承担。使用者承认，依赖本分析器的输出结果作出具约束力的财务承诺，其风险由使用者自行斟酌并承担。
We strongly recommend consulting with your independent licensed financial advisor to obtain personalized advice tailored to your unique circumstances before making any investment decisions.
我们强烈建议您在作出任何投资决定前，咨询您的独立持牌理财顾问，以获取针对您独特情况的个人化建议。