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The property market is shifting fast!! Here are 4 trends developers should keep an eye on:
1️⃣ Build-to-Rent (BTR)
Still emerging locally, but rising affordability pressures is making rental-driven solutions increasingly attractive for millennials, Gen Z, and retirees.
2️⃣ Quality over Quantity
Buyers are more discerning: 70% of developers say customers prioritise sustainability, smart features, and livability over just price.
3️⃣ Geographical Diversification
Growth is no longer KL-centric, a total red ocean. Johor led the nation with a 59% jump in transactions in 2024, while Melaka and Negeri Sembilan saw double-digit price increases.
4️⃣ Financing Headwinds
56% of developers held back launches in H2 2024 due to rising costs but unsold inventory fell 10.3% in volume and 21.2% in value, hinting at improving fundamentals.
👉 Bottom line: Developers who embrace quality, diversify regionally, and adapt financing strategies will be best positioned to capture opportunities in 2025.
At CAPS Wealth Management, we offer alternative property plans for all demographics; thus, aiding fellow clients and viewers alike to hedge against inflation on the one hand, while providing the flexibility in asset portfolio on the other.
#financialplanning #rental #propertydevelopment #sustainability #alternativepropertyplan #inflation #returnoninvestment
At CAPS, we believe that productivity and flexibility should go hand-in-hand. The modern workforce, especially Gen Z, millennials, and even seasoned Gen X professionals, is no longer just seeking jobs; they are seeking balance, trust, and meaningful support from their employers.
But what does this mean in practice? Here are some key reflections from our work with businesses and employees:
1️⃣ Work-Life Balance Matters
Employees today value flexibility in where, when, and how they work. It’s not just a “perk” anymore — it’s a major factor in job satisfaction and retention.
2️⃣ The FWA Tug of War
Flexible arrangements can unlock efficiency, but they can also bring challenges like procrastination. Finding that sweet spot requires clear expectations and the right tools.
3️⃣ Trust & Communication Are Non-Negotiable
Micromanagement doesn’t work in a flexible setup. Instead, managers and employees must foster trust, set transparent goals, and maintain open communication.
4️⃣ Technology Is the Enabler
From payroll to performance tracking, technology is reshaping HR. Digital tools make processes faster, more transparent, and more inclusive for both local and foreign employees.
5️⃣ Early Wage Access (EWA) as a Retention Tool
Imagine this: an employee needs urgent access to funds. Traditionally, HR would go through piles of paperwork and finance teams would deliberate for days. With digital solutions, this can be done with just one click. Providing EWA not only eases financial stress but also shows employees that their well-being comes first.
At CAPS, we are passionate about helping companies reimagine HR, creating systems where flexibility supports productivity and where trust builds loyalty. Because when employees feel supported, businesses thrive.
#inclusivity #sustainability #EWA # FWA #capswealthmanagement #employeeretention
Imagine this: Your shop or office gets robbed, but the insurance company says, "Sorry, we cannot pay your claim."
Why? It is because they used a stolen 🔑 or access card to walk right in! No break in was observed.
This is an ongoing issue for businesses, especially in buildings like a mall with apartments above. Most Burglary Insurance (often included in Fire Insurance) only covers theft with proof of a forced entry such as a broken 🚪 or smashed 🪟
What if the thief did not break anything? They could have stolen a key card and waltz right in. Do not be shocked to learn that your insurance may not cover the loss!
Why "Forced Entry" Rules Can Be a Problem
1. Most Burglary Insurance Requires "Breaking In"
✔ Covered: Smashed windows, broken locks, crowbar marks on doors.
❌ Not Covered: Theft using a stolen key, access card, or an unlocked door.
2. Modern Thieves Don’t Always "Break In"
Criminals today are smart. Instead of smashing doors, they might:
Steal a key or access card from a worker, cleaner, or resident;
Copy a key without anyone noticing;
Wait for someone to forget to lock a door.
If they enter without force, your insurance cliam can be denied.
3. Mixed Buildings Are at Higher Risk
If your business is in a building with both shops and homes, the risk is even higher because:
Many people have access (residents, delivery guys, cleaners).
A stolen key or card can be used to enter legally, no "break-in" needed.
Insurers often deny claims if there’s no sign of forced entry.
📌 Real-Life Example: When Insurance Doesn’t Pay
A small 👕 store in a mixed-use building had Burglary Insurance. One night, a thief stole an access card from a resident, used it to enter the building, and stole RM50,000 worth of goods.
The store owner filed a claim, but the insurance company rejected it because:
No doors or windows were broken;
The thief entered "legally" with a card;
Policy only covered "forcible entry."
Result: The store lost 💰 and insurance didn’t help.
How to Protect Your Business
1. Check Your Insurance Policy
Does it only cover "forced entry" theft?
Is there an option to add "theft without break-in" coverage?
2. Ask About "Theft" or "Mysterious Disappearance" Coverage
Some insurers offer extra protection that covers theft even if nothing was broken.
3. Improve Security
Install CCTV (to prove theft happened).
Track who enters/exits (access logs help with claims).
Change locks/keys regularly (if employees leave).
Take action now:
✔ Review your policy: does it cover theft without forced entry?
✔ Upgrade security: make it harder for thieves to enter unnoticed.
✔ Get the right coverage: so you’re not left paying for losses yourself!
Contact us to make sure your business is truly protected!
By now, you must have read the FMT report, whereby a doctor with RM8 million in savings was scammed, yet again. We have had:
🔸️ teachers
🔸️ badminton players
🔸️ businessmen
🔸️ retirees
🔸️ even insurance agents!!!
falling prey to such malicious schemes.
The 2 most commonly used tactics are ❤️ scam and lucrative investments 💰. The former takes advantage of an individual's loneliness while the latter draws out your inner greed. The Edge Malaysia reported that a whopping RM53 billion were lost due to scams, with only 2% of victims managing to fully recover their losses. As a financial services provider, we will focus more on investment scams.
Scammers commonly draw their victims in by promising lucrative returns, ranging from 100 to 520%. In the aforementioned report, the doctor was ecstatic by the 520% return. By the way, in the Mandarin language, 520 = I ❤️ you. Something for all readers to take note 📝.
As the saying goes, "if something is too good to be true, it is." The "how is it possible?" question is no longer valid. Instead, we should be asking "what void are you trying to fill?" It may be a theory but we would guess that greed is correlated with lifestyle creep, i.e. the more you earn, the more lavish the spending.
There are a plethora of ways to invest safely be it, money market funds, precious metals, saving plans, FD, bonds, treasury bills etc. While there are risky investments, is it any more risky than dealing with someone whom you have never met?
Keep your money save, invest wisely. Scams aplenty, exercise your faculty.
#financialplanning #scams #CAPSWealth #greed
By now, you must have read the FMT report, whereby a doctor with RM8 million in savings was scammed, yet again. We have had:
🔸️ teachers
🔸️ badminton players
🔸️ businessmen
🔸️ retirees
🔸️ even insurance agents!!!
falling prey to such malicious schemes.
The 2 most commonly used tactics are ❤️ scam and lucrative investments 💰. The former takes advantage of an individual's loneliness, while the latter draws out your inner greed. The Edge Malaysia reported that a whopping RM53 billion were lost due to scams, with only 2% of victims managing to fully recover their losses. As a financial services provider, we will focus more on investment scams.
Scammers commonly draw their victims in by promising lucrative returns, ranging from 100 to 520%. In the aforementioned report, the doctor was ecstatic by the 520% return. By the way, in the Mandarin language, 520 = I ❤️ you. Something for all readers to take note 📝.
As the saying goes, "if something is too good to be true, it is." The "how is it possible?" question is no longer valid. Instead, we should be asking "what void are you trying to fill?" It may be a theory but we would guess that greed is correlated with lifestyle creep, i.e. the more you earn, the more lavish the spending.
There are a plethora of ways to invest safely be it, money market funds, precious metals, saving plans, FD, bonds, treasury bills etc. While there are risky investments, is it any more risky than dealing with someone whom you have never met?
Keep your money save, invest wisely. Scams aplenty, exercise your faculty.
#financialplanning #scams #CAPSWealth #greed
Imagine building your dream business, only to lose it all over a single workplace injury claim. That is exactly what happened in the heartbreaking case of Sumo Salad in SG, where an employee allegedly lodged a fraudulent injury claim. The financial and emotional toll reportedly contributed to the business owner's untimely death.
