Capital Appreciation Vs Rental Yield (Passive Income)
Depends on the investor profile: Age, risk, income
20s to 30s High Gain, Low Yield (1st timer)
Usually this will be their 1st property investment. My recommendation is to go for high capital appreciation. With the capital gain, they can upgrade their property portfolio.
Age 30s to 40s Mid Gain, Mid Yield (Up-grader / 2nd or more properties)
I will recommend to go for projects that comes with reasonable capital appreciation and rental yield (bet 3-4%) This is usually the stage where there are a lot of other commitments (Car, family, lifestyle etc) where there is a need of balance in terms of investment and living.
Age 50s onwards Steady Gain, High Yield
This will be more for passive income mode for retirement. Personally, rental yield must from minimum 5% onwards.
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