“Weirdly, the higher interest rates stay, the more they have to inject via liquidity to finance the debt, the higher assets go…”
— Raoul Pal, The Everything Code
The Dangerous Illusion of Malaysian Property Stability
Most investors in Malaysia believe the same thing:
- Bricks are safer than bytes.
- Property will always appreciate.
- Passive rental income is king.
But here’s what you’re not being told:
1. Real estate returns are being eaten alive by inflation.
After factoring in stagnant rental yields, rising maintenance costs, and loan interest, most Malaysian properties today are giving you negative real returns — you’re just too emotionally attached to notice.
2. Property is not liquid, not borderless, and not portable.
Your building can’t cross borders in a crisis. Your tenancy laws can be changed overnight. And in a regime shift, your title deed becomes just paper.
What Raoul Pal Is Trying to Tell You
Governments are stuck in a death loop:
- They raised interest rates to “fight inflation.”
- But now their own debt is too expensive to maintain.
- So they quietly inject liquidity (print money) to keep the game going.
- This artificially pumps asset prices — especially scarce, digital assets like Bitcoin and Ethereum.
In short:
“The higher interest rates stay, the more they need to print → the more Bitcoin pumps.”
It’s reverse economics. It’s the Everything Code.
And most Malaysian investors are still stuck playing 1990s Monopoly.
What You Should Do Instead
You don’t need to sell everything. But you must diversify with aggression.
Here’s the smart move:
Take just 1 unsold property or 1 refinance opportunity
Allocate a portion to Bitcoin, Ethereum, or AI-linked crypto projects
Use an exchange like OKX (low fees, fast execution)
Stake, lend, or hold until next liquidity cycle rips
Why This Works (Psychologically and Structurally)
- Real estate is slow to price in macro shifts.
Crypto front-runs them in real-time. - Governments can’t stop printing.
But crypto protocols have fixed supply. - You’ve already missed the early property boom.
But crypto gives you a second chance at asymmetric upside.
Still Not Convinced?
Ask yourself this:
If another rate hike happens, do you gain or lose as a property owner?
If another liquidity injection hits the system, what moves faster — your apartment value or Bitcoin?
What’s easier to exit during a crisis — a hot wallet or a half-renovated unit in Damansara?
Start with $500. Or 1%. Or just curiosity.
This isn’t about gambling. It’s about front-running the inevitable.
Don’t be the last guy holding empty square footage when the liquidity flows elsewhere.
