By Daniel Sim

Singapore-based accountant Melissa Low, 27, wants more than just a fixed salary in her working life and property investment offers a way to financial security.

While many professionals in her age-group are enjoying life, Low spends her weekends visiting showrooms, properties for re-sale and seminars to enhance her knowledge.

Growing up in Malaysia, Low has always been a go-getter. She was a scholar, an avid chess player and also a valedictorian in school. Despite being employed full time, she still finds time to follow in her father's footsteps in business ventures and property investment.

Melissa graduated with a degree in accounting and finance from Nilai International College with the help of a scholarship from the Star Education Fund in 2003.

One of her latest property purchases is a 37sq m (400sq ft) studio apartment in Johor Baru. Her investment acumen has been honed by previous business ventures.

"I started with selling bags online but the market was too competitive. I also started a bubble tea business with a partner that I met online. But things didn't work out, so we closed it after six months," recalls Melissa. " I began reading property investment books by Milan Doshi and Ho Chin Soon. I was attracted to the idea of earning passive income from investing in property.

"What's more interesting, is the fact that it offers me flexibility and time to focus on my work in Singapore while enjoying good rental returns with my properties in Malaysia," points out Melissa.