The Futurizts Podcast

On Monday (June 9), the government announced the revision on SST to boost revenue and strengthen the country’s finances. To ensure that the majority of citizens remain unaffected, the administration has promised that essential goods and services will not be taxed. But the SST document, which is over 222-pages and contains thousands of items, paints quite a different picture. Many people were shocked when they realized that imported fruits (even those that are produced locally) will be hit with the Sales Tax. For a better idea, Malaysia imports A LOT of fruits, including apples, oranges, starfruit, ciku, lemons, rambutans, jackfruit, longans, and papayas. These will all be taxed, as long as they are imported. This doesn’t even touch the more absurd things which the administration claims as non-essentials, such as salt, yogurt, fruit juices, butter and margarine, almost all cooking oils except palm oil, and almost all types of nuts except peanuts. On Sunday, I invited Hann Liew, founder of RinggitPlus and Halogen Capital, to break down the SST changes and how we can cope with price increases. TIMESTAMPS (01:41) General Impressions on SST Increase (06:08) A Lot Of Things Are Already Taxed (10:25) Why Taxing Imported Fruits Does Not Make Sense (14:24) How Soon Will We See Price Hikes? (17:49) Local Business Will Increase Prices As Well (24:12) Differences Between SST and GST (27:52) Why Not Tax Luxury Goods And The Rich? (32:30) How Can We Deal With Price Hikes? (39:03) What Should Lower Income Families Do? (43:22) RM1,000 to RM5,000 Excess Savings - What Should I Do? (46:46) Crypto Prices - How Are They Affected? (50:44) What Are The Benefits From The SST Increase? (01:01:42) One Piece Of Advice For All Malaysians Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Hann's socials: https://x.com/ooihann Follow The Futurizts: https://linktr.ee/thefuturizts Join our WhatsApp group: https://futuriztsmembership.wasap.my/ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Siew Yuen Tuck is the CEO and co-founder of RinggitPlus, Malaysia’s leading financial comparison platform under the fintech group Jirnexu. An Oxford University graduate in Modern History, Siew began his career in investment banking at Citigroup and later joined a UK hedge fund before returning to Malaysia to address the lack of accessible financial information. He launched RinggitPlus in 2012 to empower Malaysians with transparent, user-friendly tools for comparing and applying for financial products. Siew is also the driving force behind the annual RinggitPlus Malaysian Financial Literacy Survey (RMFLS), which in 2024 revealed improvements in financial well-being but highlighted the ongoing need for digital financial literacy. View the full survey here: https://ringgitplus.com/en/blog/wp-content/uploads/2024/09/RMFLS-2024-Survey-Report.pdf Join our upcoming event on Financial Planning for DUMMIES: https://lu.ma/hw5z1fyp (00:00) Who is Siew Yuen Tuck (YT)? (03:38) How Does RinggitPlus Earn Revenue? (07:06) Why Is It Difficult For Malaysians To Save? (10:50) Thoughts On Buy Now Pay Later (BNPL)? (13:44) What Is Your Savings Strategy? (17:08) Will Digital Banks Overtake Traditional Banks? (19:00) How To Prepare For Financial Uncertainties? (23:33) 48% Of T20s Are Living Paycheck to Paycheck (27:37) Social Media As A Financial Education Hub (32:03) Trump’s Tariffs And Its Impacts (37:41) Will EPF’s RM1.3 Million Be Enough To Retire? (41:12) Worst Mistakes To Make In Early 20s? (50:08) Which Cash App / Digital Bank Is Your Favourite? (57:38) How To Not Live Paycheck To Paycheck? (58:33) Summary And Takeaways Follow RinggitPlus: Website - https://ringgitplus.com/en/ Instagram - https://www.instagram.com/ringgitplus Subscribe to The Futurizts on Patreon to join our WhatsApp group for as little as $1 per month: https://www.patreon.com/thefuturizts Follow Us: https://linktr.ee/thefuturizts DISCLAIMER: The information contained in this video is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this video are solely that of the publisher.

On Apr 2, Donald Trump announced sweeping tariffs on multiple nations. Malaysia has been slapped with 24% reciprocal tariffs, which is a 50% discount versus the tariffs we “charge” to the US, according to the White House. Trump argues that tariffs will bring back industrialization to America. He believes that other nations have become more rich and powerful at America’s expense, and that foreign countries, whether friend or foe, have “looted,” “pillaged,” “raped,” and “plundered” the beautiful country. The steep tariffs will encourage US consumers to buy more local-made goods and major companies to build their factories in the country (at least that’s what Trump hopes). In this session, financial experts Hann Liew and Sani Hamid discuss the impacts of Trump’s tariffs and why it is the DUMBEST trade war in history. (01:33) What Are Tariffs And How They Impact You (07:20) How The Tariffs Will Affect Other Countries (13:35) Why This Is The DUMBEST Trade War In History (22:55) Does Malaysia Impose 47% Tariffs To The US? (29:17) How Important Is The US As Our Trading Partner? (34:33) Singapore PM Releases Chilling Statement (38:44) Is A Recession Imminent? (44:42) Where Will The Market Go? (48:40) I’m Just Beginning To Invest. What Now? (51:54) Is Dollar Cost Averaging (DCA) Still Good? (58:33) Should I Still Invest In The US? (01:05:05) How Will The Crypto Market Move Forward? (01:11:45) Will Tariffs Affect House Renovations? (01:14:33) How To Be Better Prepared For The Chaos Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Mr. Sani Hamid is an economist and certified financial planner (CFA) with over 30 years of experience in the financial markets. A frequent commentator in the media, Sani has worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Sani is currently based in Singapore, holding the position of Director, Wealth Management (Economy & Market Strategy) in Financial Alliance Pte Ltd. Follow Hann: https://twitter.com/ooihann Follow Sani Hamid: https://twitter.com/sanihamid Follow The Futurizts: https://linktr.ee/thefuturizts Join our WhatsApp group: https://wa.link/rrfac5 DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Dr. Jon Goh is a distinguished ophthalmologist with a passion for simplifying medical information for patients. A graduate of First Sechenov Moscow Medical University, he trained across multiple specialties before focusing on ophthalmology in major Malaysian hospitals. In this discussion, Dr. Goh shares his insights on Malaysia’s healthcare sector, shedding light on the growing issue of doctor burnout. He explores the challenges faced by medical professionals, from overwhelming workloads to systemic inefficiencies, and discusses potential solutions to improve working conditions. Watch the full video with timestamps on YouTube. (00:00) Who is Dr. Jon Goh? (02:13) Malaysia’s Healthcare Sector in One Sentence (09:33) Do Citizens Misuse & Abuse Insurance Claims? (11:50) Why Are Doctors Burned Out? (17:00) Do Doctors Charge Insured People More? (20:35) Private Hospital Costs Are Not Regulated! (28:02) Why Are Doctors Leaving the Country? (30:08) The Worse Case Scenario for Our Healthcare (39:42) Things to Do Before it Becomes a Crisis (45:46) Advice When Seeking Healthcare (47:18) Summary (50:59) Red Flags to Watch Out When Seeking Treatment Follow Dr. Jon: Instagram – https://www.instagram.com/heyitsdrjon Subscribe to The Futurizts on Patreon to join our WhatsApp group for as little as $1 per month: https://www.patreon.com/thefuturizts Follow us: https://linktr.ee/thefuturizts

Previously a registered financial planner, Peter made the daring transition to start his own brand, MrMoneyTV, in 2019. Now, just six years later, MrMoneyTV is one of the top financial content creators in Malaysia, having amassed hundreds of thousands of subscribers on YouTube & TikTok, and over 70,000 followers on Instagram. Together with his partner CK Yap, the channel has been steadfast on their mission in making money matters simple for Malaysians. In this session, we address your biggest questions and touched on topics such as achieving RM1 million in EPF, choosing the best medical premiums, starting a business, balancing hobbies with work, and savings tips. Watch the full session with timestamps on YouTube. (00:00) Is it hard to withdraw EPF money after hitting RM1 mil? (02:38) The best business to start with RM50k (05:19) Is EPF still a good place to stash retirement money? (13:30) The first thing you do after receiving your paycheck (17:52) How will the property market look like in 5-10 years? (29:32) Dealing with sky-high inflation from medical premiums (46:02) Advice to fresh grads starting their financial journey (51:04) How to balance hobbies with work? (59:44) Monetizing content as creators (01:10:30) Favourite quote of all time? Follow and subscribe to MrMoneyTV on: YouTube - https://www.youtube.com/@MrMoneyTV Instagram - https://www.instagram.com/mrmoneytv Join our WhatsApp group to receive to best FD rates, currency movements, and more on a daily basis: https://wa.link/rrfac5 -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Over the past decade, Maybank has consistently paid 5-7% in annual dividends, while Public Bank and CIMB have also maintained steady payouts, albeit at slightly lower rates. Some banks, like RHB, have even offered dividends as high as 7% in certain years. But are Malaysian banks a good starting point for new investors? How do stock dividends work, and what key dates—such as the ex-dividend date and declaration date—should you pay attention to? In this episode, investment analyst Azharuddin breaks down the ins and outs of investing in Malaysian banks, helping you understand when and why they might be worth considering. ---------------------- TIMESTAMPS: (01:00) Who is Azharuddin? (03:45) Are Malaysian banks a good place to start for beginners? (11:29) EPF's top local shareholdings are in banks (12:45) How do dividends work for stocks? (20:58) How to calculate dividend yield? (27:23) If banks make record profits, they'll declare special dividends. (30:22) Banks have rallied so much. Should I buy now? (40:06) Most banks are not Shariah-compliant. How? (46:37) Other industries to look into apart from banks (52:57) Last words and summary ---------------------- Azharuddin is formerly an investment analyst and has spent a large part of his career as head of research, leading both the equity and economic teams in several investment banks. He has also held management positions in listed corporates. Follow Azharuddin on X: https://x.com/azha_investing Join our WhatsApp group to receive to best FD rates, currency movements, and more on a daily basis: https://wa.link/rrfac5 -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Petronas has confirmed that it will layoff employees to ensure long term survival. The O&G giant announced on Feb 7 that it currently has too many workers and needs to undertake a workforce restructuring. “If we don’t do it now, there’ll be no Petronas in 10 years,” its CEO said. Starting the second half of 2025, employees who are no longer needed will be retrenched rightsized. Petronas has promised that those affected will receive “appropriate assistance.” According to its CEO, the company currently has 52,000 employees, but 16,000 are considered “Enablers,” which the group aims to reduce. In a separate story, EPF dividends for 2024 are expected to exceed 5.80%, possibly even higher. If this is realized, it will be the highest payout in the past three years. Dividends are typically backdated and announced in March, so we can expect EPF’s 2024 rates to be revealed early next month. In this session, financial experts Hann Liew and Sani Hamid discuss job security and EPF’s projected dividends. ---------------------- TIMESTAMPS (00:00) Is job security a myth? Is it no longer possible for an employee to stay with a company long term? (07:35) What should I do if I know I'm likely to be retrenched? (14:10) Apart from achieving good KPIs, are there any other ways to prevent ourselves from getting "rightsized"? TRANSITION TO EPF (26:09) EPF dividends are likely to exceed 5.80% (29:11) Singapore's CPF vs Malaysia's EPF (35:56) Why are EPF's payouts no longer 7-8%? (38:29) Is 5.50% return per year actually "good"? (44:41) Tips to increase retirement savings (53:27) Summary and last words ------------ Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid Join our WhatsApp group to receive to best FD rates, currency movements, and more on a daily basis: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Recently, an anonymous housewife shared how she manages to save RM200-250 per month on her husband’s RM1,500 salary, even with 3 kids. After EPF deductions, the take-home pay is only RM1,335. 😬 The post has gone viral on Facebook and shocked netizens. Many praised her discipline and dedication on saving and felt grateful of their own financial situation. In this episode, financial experts Hann Liew and Sani Hamid discuss the fundamentals of budgeting (centred around this housewife's post) and tips to better your current financial situation regardless of your income. ------------ TIMESTAMPS (00:01:05) Housewife manages to save RM200-250 per month on RM1,500 salary. First impressions? (00:04:46) Practical budgeting tips to learn from this housewife (00:12:31) Methods to end the month with a positive balance (00:17:17) Pay for stuff upfront using cash – why is this a good approach? (00:25:15) What’s stopping the government from hiking the minimum wage to RM3,000? (00:35:27) Comment – Any salary below RM2.5k is “borderline slavery”. Ways to increase income? (00:41:12) Guidelines to owning a car, house, luxury, etc. (00:47:24) The best rule for budgeting (00:51:45) Tips on buying your first house? (00:57:29) YOLO or delayed gratification – you have a choice on how you want to live (01:02:35) One sentence that will make a big difference in your financial wellbeing ------------ Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid Join our WhatsApp group to receive to best FD rates, currency movements, and more on a daily basis: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In 2022, EPF’s chief strategy officer said that Malaysians would require RM900,000-1 million to retire comfortably. But is this sufficient to retire? More importantly, how much will this be worth after 20-30 years? What's the secret to planning for retirement and enjoying the current moment? In this episode, financial experts Hann and Sani discuss, EPF, retirement, job hopping, gold, Bitcoin and more. ---------- Timestamps (00:00:19) 35 y/o woman achieved RM2 mil in EPF - is this possible? (00:03:59) Should you job hop for a higher pay? (00:08:58) How much salary increment should we receive per year? (00:14:29) How to tell how much we're worth? (00:19:14) Will RM1 million be sufficient to retire? (00:30:27) I'm depressed that I'm still so far away from RM1 mil (00:39:37) "Save so much for what? I won't live that long anyway." (00:49:17) Balancing between saving for retirement and living in the moment (00:58:23) What's driving Gold and BTC's stellar performance? (01:09:34) How can gold and BTC assist someone in retirement? (01:18:33) Advice for younsters -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 194 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

After signing the documents on Monday (7 Oct), PM Anwar expressed optimism for next year’s budget, noting that it will strengthen the local economy and equalize income distribution. While the details have yet to be announced, Budget 2025 will set the tone for Malaysia and the rakyat for the rest of the year. In 2024, our country has made significant progress by promoting foreign investment, posting strong GDP and trade numbers, and receiving an upgrade in rating from JP Morgan. Still, there are three areas which we need to urgently address in order to transition Malaysia into a first world country. Watch the full session on YouTube: https://youtu.be/JYjT23XmVcc -------------- (00:47) Malaysia has come a long way since the start of the year. (02:13) Budget 2025 – addressing the wealth gap (06:13) Our wages are extremely low (10:23) How to increase retirement savings? (15:10) Petrol subsidies are a problem (16:13) How inflation eats into your money (17:48) How much do you need to retire in 20-30 years? (18:18) Maximizing your tax reliefs (21:15) EPF or PRS? (24:29) Places to grow your savings -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 194 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

On Friday (27 Sept), the Ringgit hit its highest point since June 2021. At RM4.1220 versus the US dollar, it has gained 12.19% since the start of the year and has blown past the year-end target of analysts, with the most optimistic forecast at RM4.20. The average predictions were at RM4.40-RM4.50. Because of this, MIDF has revised their year-end target and expects the ringgit to hit RM4.03 by December. In this episode, financial experts Hann and Sani talk about the ringgit’s unstoppable momentum and what it means for you. ---------- Timestamps (00:00:19) Where will the ringgit go after this? (00:07:11) Why do low interest rates make a currency weaker? (00:08:50) Is MYR strengthening due to dollar weakness? (00:12:31) What is the ringgit's fair value? (00:15:50) But why are my bills still so expensive? (00:26:40) Going for a holiday soon. Convert MYR now? (00:32:44) At what point will the ringgit's strength be harmful to Malaysia? (00:39:23) How will US elections influence the ringgit? (00:44:45) A simple explanation for MYR's strength (00:47:19) I have all my savings in USD and US market. What now? (00:53:19) Outlook on the ringgit? Will it reverse? (01:03:42) Props to the current administration for enforcing good policies (01:07:17) How can we maximize the benefits from the strong ringgit? ---------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 194 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

At RM4.3180, the ringgit is now at its highest level since February 2023. Meanwhile, the FBMKLCI is at a four-year high. Stocks like Maybank, Tenaga, and CIMB have rallied 20-40% in the past 8 months. In this episode, Mr. Sani Hamid, a veteran economist and certified financial planner, addresses these topics and your burning questions! ---------- Timestamps (00:00:18) What’s happening to the ringgit? Why is it up so much, so quickly? (00:07:52) The Malaysian market at a four year high – what should newer investors do? (00:15:48) EPF’s investment strategy (00:16:37) Advice to a 20-25 y/o? (00:21:48) Easy tip for Malaysians to save more! (00:28:44) Home ownership – Yay or Nay? (00:39:28) You’ll pay lots of interest for a longer housing loan! (00:42:39) I have a huge sum of savings. What should I do? (00:50:49) Returns play a major role to maximizing your profits (00:51:53) Gold has reached $2,500 an ounce. Buy now? -------------- Mr. Sani Hamid is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 200+ people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

From 2009 to 2023, property prices have more than doubled. According to numbers from The Edge, an average apartment now costs about RM582,000. With fresh grads earning RM3,000 per month, it will take them 8 years to save up for a downpayment for a house. And that’s before other costs. This is why the younger generation can no longer afford a home. Resources: i) Average apartment prices are now RM582,887: https://theedgemalaysia.com/node/709887 ii) Golden rules before buying a property: https://www.propertyguru.com.my/property-guides/how-to-buy-new-house-malaysia-16637 Watch this episode on YouTube: https://www.youtube.com/watch?v=apSbgFUuL7Y ---------- (01:32) Average housing price has more than doubled in the past 15 years (03:16) Wages of Malaysians have stayed constant (04:02) Golden rules before owning a property (06:29) Being able to afford a property is only part of the story (11:00) The government should introduce a vacancy tax (12:15) Housing loan interest is crazy (13:18) During the first few years of your mortgage, most of it goes to the bank (14:53) Property investment is ruining our generation’s ability to buy a home (15:47) Renting prices are through the roof (16:57) How the fluctuating OPR affects your house loan (19:05) I’ve paid a property for 5 years, and almost 90% of its value is not settled (24:31) What if I already bought a property? (26:31) What is the OPR? (31:53) I’m 50 years old. Still a good time to buy property? (36:01) Landed properties good? (41:06) Homebuyers have to beware of difficult tenants (47:18) Some good news for Malaysians (49:46) Thoughts on gold investment? ---------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

The ringgit’s performance in the past two weeks is unreal. It has gained 3.50% in 8 days, from RM4.6588 to a 12-month high of RM4.4320, before settling at RM4.4635 against the US dollar. This massive movement has not been seen since November 2022, when the local note strengthened from RM4.7380 to RM4.50. In this session, financial experts Hann and Sani are back to talk about the ringgit's movements, what it means for you, and most importantly, will it hit RM4.00 before 2024 ends? ----------- Timestamps: (00:00:19) Why is the ringgit soaring? What's happening? (00:07:50) What does a stronger ringgit mean for investors? (00:12:06) There has been tons of good news for Malaysia recently. Did these help prop up the ringgit? (00:14:33) Is the ringgit fairly valued at RM4.50? (00:20:40) Year-end forecast for the ringgit? Will it hit RM4.00? (00:28:59) Is it a good time to invest in the US Dollar? (00:34:10) How can investors take advantage of the strengthening ringgit? (00:38:07) How will the S&P's recent retracement affect the ringgit and the FBMKLCI? (00:44:22) What assets are you looking at right now? (00:47:50) QnA from our Patrons -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 194 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

The FBMKLCI has gained 11.97% since the start of the year. The S&P is up 18.33% Gold is up 16.80%. Bitcoin rallied 46.07% (only 16% away from its all-time high of $73,800). It’s obvious that markets have performed exceptionally well so far. If you’re afraid to invest right now, you’re not alone. In this session, financial experts Hann and Sani discuss whether it’s too late to invest in the current market and the impacts of the recent assassination attempt on Donald Trump. ---------- Chapter 1: Trump's Failed Assassination Attempt (00:01:22) What does Trump's failed assassination mean for the markets? (00:07:08) How did the markets react after the shooting? (00:10:48) What's behind the Malaysian market's record performance? (00:14:18) What will happen to Bitcoin if Trump gets elected? (00:19:47) Which stocks are likely to rally under Trump's new presidency? Chapter 2: Personal Finance and Investing (00:29:50) Is it too late to invest now? (00:41:07) Is the Malaysian market good for long-term investment? (00:46:50) What should investors prepare for in the current market? (00:51:05) How to take profits without feeling guilty? (00:54:45) If you can choose only one asset to invest in, what would it be? (01:02:54) What roles do precious metals play in a portfolio? (01:05:37) Will the US dollar's dominance come to an end? -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 194 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In this session, we dive into the mind of Peter Yong, the founder of MrMoneyTV, to understand his personal motivations and strategies in managing money more effectively. Topics include: How can I grow my first RM1,000? Are ASB and ASM still good investments? I want save more. But how? What's the most sustainable way to increase income? Is it too late to buy crypto? Thoughts on Digital banks (GXBank, Rize, AEON Bank)? Watch this episode on YouTube: https://youtu.be/QwwaEtLLlPc This session was conducted live on Instagram on Monday (24 June). Due to the platform's poor recording quality, some parts of the session are choppy and may seem skipped. We sincerely apologize for this. We'll conduct future sessions on Google Meet or Zoom. ---------- Timestamps (00:01:04) What was your missions on starting MrMoneyTV? (00:04:48) I saved up RM1,000. What should I do now? (00:09:07) Is investing in ASB/ASM still worth it? (00:14:55) What's a simple savings tip that everyone should know? (00:19:20) The importance of increasing income (00:27:40) What's the secret to staying motivated? (00:30:43) Are there any investments better than EPF? (00:34:55) Are Malaysian banks still good to buy/dollar cost average? (00:45:42) ETFs in Malaysia (00:46:34) Where to invest in the S&P in Malaysia? (00:49:26) Thoughts on the current crypto market (00:52:40) Should I buy/rent property? (00:56:33) Is investing in gold still worth it? (01:00:33) Are digital banks (Rize, GXBank, AEON Bank) good? (01:07:09) What if I started late on investing? (01:11:06) Thoughts on BRICS and its impacts on Malaysia? ---------- Previously a registered financial planner, Peter made the daring transition to start his own brand, MrMoneyTV, in 2019. Now, just five years later, MrMoneyTV is one of the top financial content creators in Malaysia, having amassed hundreds of thousands of subscribers on YouTube & TikTok, and over 50,000 followers on Instagram. Together with his partner CK Yap, the channel has been steadfast on their mission in making money matters simple for Malaysians. Subscribe to MrMoneyTV on YouTube. Follow MrMoneyTV on Instagram. ---------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 190+ people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

On May 21, PM Anwar announced the cabinet’s decision to implement the subsidy rationalization for fuel. It will start with diesel first and apply to users in Peninsular Malaysia. The Prime Minister stressed that this move is targeted at foreigners and the rich, and will save the government RM4 billion annually. This means that diesel will be floated in the market really soon, which will see prices increase by 55%, from RM2.15/litre to RM3.33/litre. Along with financial experts Hann Liew and Sani Hamid, we discuss the details of what has been announced so far and how the new policies will impact you as a consumer. -------------- Timestamps: (00:01:16) Why is the government gradually removing blanket subsidies? (00:07:43) Do blanket subsidies exist in other countries (such as Singapore)? (00:13:48) Is smuggling and leakages the main reason for the government to remove blanket subsidies? (00:20:06) Will the removal of blanket subsidies lead to price increases? (00:28:22) Is it even a good time to remove subsidies especially with the recent SST increase and inflation? (00:34:23) Budi Madani - is it even a good initiative? (00:47:41) How would you remove subsidies to make sure that it is fair to everyone? (00:53:59) How can we as consumers brace ourselves for the inevitable price increase? (00:59:34) QnA Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 194 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

On 25 April, EPF officially announced Account 3, which is a new Account that will receive 10% of your monthly contributions. This account will allow members to withdraw the balance any time, and EPF said this was to replace targeted withdrawals. Old structure: 70% Account 1 (cannot be withdrawn until 55). 30% Account 2 (can be withdrawn early to pay for education, housing loan, and healthcare). New structure: 75% Account 1. 15% Account 2. 10% Account 3 (can be withdrawn any time). Along with financial experts Hann and Sani, we discussed the pros and cons of this move, plus tips on how to grow your retirement savings. -------------- Timestamps: (00:02:52) Thoughts on Account 3? Yay or Nay? (00:11:30) Could Acc 3 be the number 1 place to store emergency savings? (00:14:55) Differences between Malaysia's EPF and Singapore's CPF (00:26:19) Impacts of Acc 3 on EPF's future returns (00:35:28) How will voluntary contributions be distributed? (00:38:14) Will inflation rise due to Account 3? (00:42:45) What's going to happen to the ringgit? (00:44:27) Should I withdraw from Acc 3 to invest elsewhere? (00:50:55) Why you should not withdraw from Acc 3 to splurge (00:59:09) Let's talk about the wealth inequality (01:08:47) How can we as citizens increase our retirement savings? (01:19:15) QnA Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 164 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Gold, ASB/ASM, stocks, FDs – what do these have in common? They are all part of a diversified portfolio to help you maximize your returns. But how do you determine what percentage to allocate in each asset? Where else can you invest? Most importantly, when should you take profits? In this session, ex-investment banker Hann Liew and economist Sani Hamid discuss how to build a portfolio that maximizes your returns, gold’s remarkable rally, and more. -------------- Timestamps: (00:01:36) Why is Gold up 15.48% since January? (00:10:54) 5-10% of gold in your portfolio is sufficient. (00:16:13) How to build a well diversified portfolio (00:24:46) The "Sleep at Night" test (00:28:16) Types of portfolios and their ratios (00:36:13) Starting with RM1,000 (or smaller) (00:45:29) 1-3% crypto in your portfolio will tremendously increase returns (00:58:42) The secret to taking profits without feeling guilty (01:04:46) QNA Session (jackpot money, ASB Financing, etc.). -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 164 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

It seems like every other day, the Singapore dollar is making a new all-time high. Since the start of the year, the SGDMYR pair has rallied by 2.45% to RM3.5745. In the recent two years, the Sing dollar improved 15.46%, representing an annual return of 7.45%. This return is higher than EPF and 87% of unit trusts in Malaysia. In this episode, we invite Sani Hamid, an economist and certified financial planner with over 30 years in the markets, to discuss the declining ringgit and why the Singapore dollar only goes up. Watch the full presentation on YouTube: https://www.youtube.com/watch?v=6kFRoblFHK8 ------------------ Mr. Sani Hamid is an economist and certified financial planner (CFA). He is a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Sani’s socials: https://twitter.com/sanihamid ------------------ Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 102 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts ------------------ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

We’re back with Certified Financial Planners Hann and Sani. This session, as the title suggests, mainly focuses on investing in 2024. The speakers shared what sort of strategies we as investors could employ to maximize profits and insights on how next year will be for the markets. We also talked about a more pressing matter: the new 10% sales tax, which will be imposed on Low-Value Goods below RM500 starting January 1, 2024. Will the new 10% sales tax make local goods more competitive? How likely is this new policy to increased prices of online goods? Why are the US Federal Reserve’s decisions crucial for global markets? What is the investing outlook for 2024? How can we maximize profits next year? What assets/industries are likely to perform? Quick facts: i) In December, the government announced a 10% sales tax to be imposed on low-value goods costing below RM500. This tax is only applicable to online purchases, and local products will not be affected. More info: https://www.instagram.com/p/C0-wtyQpQIK/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA== ii) The Federal Reserve has recently kept interest rates steady in its final FOMC meeting. In fact, the committee is looking to reduce them earlier than expected next year. The result of this was a massive jump in the markets. The S&P, in the past 7 days rallied 3.16%, while back at home, the FBMKLCI recovered 1.50%. -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 102 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In this episode, Certified Financial Planners Hann and Sani share insights on Bitcoin's impressive 125% gain on a year-to-date basis and crypto as an investment class. The second half of the session covers EPF's projected payout for 2023, which experts estimate should range between 5.4-5.7%. What makes Bitcoin unique compared to traditional asset classes? Why is Bitcoin up 125% since January? What makes the asset so volatile? How can we position ourselves in a volatile asset to maximize returns and minimize losses? EPF is expected to pay 5.4-5.7% this year - will it be higher? What is EPF's investment strategy, and should we follow it? Quick facts: i) Bitcoin has made quite an impressive run this year. The asset rallied from $16,500 to $38,400, up 128% on a year-to-date basis. It has vastly outperformed other asset classes, such as the S&P (up almost 20% within a similar timeframe), gold (up 12%), and our Malaysian market (down 2.29%). ii) The Employees Provident Fund (EPF) posted a 33% jump in investment income for the first 9 months of 2023, to RM47.86 billion from RM36.04 billion the same period last year. For the 3rd quarter (Q3 2023), the total investment income rose to RM14.67 billion, which was RM2.38 billion higher compared to the corresponding period in 2022. -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 102 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In this episode, financial experts Hann and Sani break down Budget 2024 and its potential impacts (both positive and negative) to the rakyat. We also discuss the ringgit’s road to RM5.00 and assets to consider with geopolitical tensions on the rise. Budget 2024 represents Anwar’s promise to aid lower-income groups, but does it stay true to its proposal? How did the local market and the ringgit react to Budget 2024? Will the removal of price ceilings on chicken and eggs trigger a surge in prices? Will the SST increase to 8% force businesses to raise prices? Is removing diesel subsidies a good move for the economy? The ringgit is now at its lowest level since the Asian Financial Crisis. Why is this happening? -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- Your time is valuable and you hate sifting through the web for information. We get it, so let us do the work for you. By joining our WhatsApp group, you’ll receive financial updates - best FD rates, currency movements, and more on a daily basis. ✅ 102 people have joined, and only 2 unsubscribed (so far). ✅ We don’t spam. ✅ It’s $0.25/week. ✅ Pay monthly, cancel anytime. Try the First Week for Free: https://www.patreon.com/TheFuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

How much should we save for retirement? What is the recommended amount? What is the current state of the global & local market? How can I save more? Are long commute times to the office good or bad? Should I switch jobs to work in a bigger company? Recently, we started to accept anonymous questions from you guys through NGL.The response we received was overwhelming, and we are doing our best to keep up with all the questions. We have answered quite a few of them, but they are scattered between TikTok, Instagram, and Twitter. In this session, you'll gain insights from financial experts Hann Liew and Sani Hamid as they tackle some of the more contentious and challenging questions. -------------- Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid -------------- A compilation of all of the top questions (including links to sources) has been sent to all of our patrons. If you would like a PDF copy of the QnA, subscribe to us at Patreon for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts -------------- DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In this episode, we’re back with financial experts Hann Liew and Sani Hamid. Our discussion centered upon the recent wage report released by the Department of Statistics, which highlights the alarming wealth gap between the rich and the poor. We also addressed the question of whether Malaysians are underpaid, and the possible solutions that can be implemented in order to resolve this crisis. Finally, we talked about investing in general – what details that newbies should look out for and how to plan their personal finance journey. Quick facts: The recent quarterly wage report released by the Department of Statistics showed that the median salary of formal employees increased from RM2,400 to RM2,600 y-o-y in March, representing an 8.3% y-o-y increase. When tabulated into a horizontal bar chart, we can see that 82% of employees earn less than RM5,000 per month, and a staggering 35% of the population has a salary of less than RM2,000 per month. The distribution of wealth decreases exponentially as the salary figure increases, but it abruptly skews towards the rich (ie. those earning more than RM15,000 per month). This shows just how wide the wealth gap is between the rich and the poor. ~~~~~~~~~~~~ Hann is a personal finance expert with over a decade of experience in the financial industry. Previously the CEO of RinggitPlus, he is qualified as a licensed financial planner (CFP) and a chartered financial analyst (CFA), and has helped tens of thousands of Malaysians on their path toward financial literacy. Hann is currently the founder of Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Our other speaker, Mr. Sani Hamid, is an economist and certified financial planner (CFA). He’s a frequent commentator in the media and has over 30 years of experience in the financial markets, having worked for companies such as S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia, and Singapore. Hann’s socials: https://twitter.com/ooihann Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts This episode is proudly sponsored by Halogen Capital, the world's first Shariah-compliant crypto fund that provides institutional exposure to Bitcoin. Based in Kuala Lumpur, Halogen Capital provides quick and secure access to Bitcoin while removing the burden of buying and safekeeping coins: https://halogen.my/ ~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

How does the ringgit’s decline affect citizens, apart from seeing import prices go up? What are the reasons for the ringgit's decline? Why has it experienced such a significant drop not only against the US dollar but also against other major currencies? Many people are attributing the ringgit’s weakness to the lack of action from Bank Negara Malaysia. What measures could BNM undertake in this situation? Raising the OPR by a fair margin in order to “catch up” with other central banks and strengthen the ringgit is definitely something to consider. But wouldn't such OPR hikes further burden citizens, as what we are currently witnessing? BNM recently announced its intention to intervene in the currency market to halt the devaluation of the ringgit. How effective is this approach? Is it possible for the ringgit to strengthen and reach the RM4.44 range? ~~~~~~~~~~~~ In this episode, we are back with Hann Liew, the founder of RinggitPlus, and Economist Sani Hamid. Our conversation focused on the current declining ringgit, which has fallen almost 6% against the US dollar and over 11% against the pound sterling on a year-to-date basis. Comparisons to our Southeast Asian counterparts show that our ringgit hasn't fared well either. According to a recent report by MIDF, the ringgit stands as the second-worst-performing currency in Asia, trailing only behind the Japanese yen. The depreciation has undeniably caused significant concern among Malaysians. This session will address these worries and shed light on the past, present, and future trajectory of the ringgit. ~~~~~~~~~~~~ Hann is a personal finance expert with over a decade of experience in the financial industry. Qualified as a licensed financial planner, he has helped tens of thousands of Malaysians on their path towards financial literacy. Our other speaker, Mr. Sani Hamid, is a renowned economist and strategist with over 30 years of experience in the financial sector. He is a frequent commentator in the media and is widely respected in the field of economics. Hann’s socials: https://twitter.com/ooihann Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In our latest episode, we had the privilege of hosting esteemed guests Hann Liew, the founder of RinggitPlus, and Economist Sani Hamid.Our discussion spanned across various significant subjects, encompassing the dire state of EPF savings and potential strategies to enhance the retirement funds of Malaysians. We also delved into the recent OPR hike by BNM, as well as expert opinions on ASB and ASM. Should the retirement age be raised to increase the alarmingly low EPF savings of Malaysians? Would raising the mandatory EPF contributions from employers work? Why did Bank Negara Malaysia (BNM) hike the Overnight Policy Rate (OPR) by 25 basis points? Are more rate hikes are expected? ASB and ASM – are they still a good form of investment? Quick facts: The state of EPF savings for Malaysians is alarming. As of December last year, PM Anwar revealed that only 19% of EPF members had reached the basic savings target of RM240,000 to retire by 55. Even this amount wouldn’t be enough to retire in our opinion, as it will only give retirees RM1,000 per month to survive. Bank Negara Malaysia surprised the markets by raising the OPR by 25 basis points on May 3. The increase brought the interest rate back to the pre-pandemic level of 3.0%. Amanah Saham Malaysia (ASM) and Amanah Saham Bumiputera (ASB) are unit trust funds managed by Amanah Saham Nasional Berhad (ANSB). These funds have gained recognition for consistently providing good dividends, averaging 6.92% for ASB and 5.68% for ASM over the past 11 years. However, the dividend rates have recently shown a decline. ~~~~~~~~~~~~ Hann is a personal finance expert with over a decade of experience in the financial industry. Qualified as a licensed financial planner, he has helped tens of thousands of Malaysians on their path towards financial literacy. Our other speaker, Mr. Sani Hamid, is a renowned economist and strategist with over 30 years of experience in the financial sector. He is a frequent commentator in the media and is widely respected in the field of economics. Hann’s socials: https://twitter.com/ooihann Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

What do banks actually do with your money? Do they store it safely or use it for other purposes such as lending out or investing? How and why did Silicon Valley Bank, the 16th largest bank in the US, collapse in just two days? Should Malaysians be concerned about this contagion? What are the essential facts we should know about the PIDM insurance for member banks? There are widespread rumors of the US dollar hyperinflating - is this a plausible scenario? Is it possible for Bitcoin to reach $1 million in the next 90 days, and is it a genuine solution to the banking crisis? In this episode, we are joined by Hann Liew, the founder of RinggitPlus, and Economist Sani Hamid. Our latest conversation focuses on the current banking crisis, which has seen three US banks collapse within two weeks. This has understandably left a bitter taste for Malaysians, who concerned about the safety of their deposits. This session will address these worries and shed light on the fragility of the banking industry. ~~~~~~~~~~~~ Hann is a personal finance expert with over a decade of experience in the financial industry. Qualified as a licensed financial planner, he has helped tens of thousands of Malaysians on their path towards financial literacy. Our other speaker, Mr. Sani Hamid, is a renowned economist and strategist with over 30 years of experience in the financial sector. He is a frequent commentator in the media and is widely respected in the field of economics. Hann’s socials: https://twitter.com/ooihann Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

In this episode, we are joined by Hann Liew, the founder of RinggitPlus, and Economist Sani Hamid. Hann is a personal finance expert with over a decade of experience in the financial industry. Qualified as a licensed financial planner, he has helped over a thousand Malaysians on their path towards financial literacy. Our other speaker, Mr. Sani Hamid, is a renowned economist and strategist with over 30 years of experience in the financial sector. He is a frequent commentator in the media and is widely respected in the field of economics. Our speakers discussed the implications of the Budget 2023 on the Malaysian economy and the impact of low EPF savings on Malaysians. You will hear from the speakers’ thoughts on using EPF funds to pay of debts, how to deal with bankruptcy, and tips to boost your savings and financial stability. Hann Liew’s socials: https://twitter.com/ooihann Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

What’s the first, most important lesson about money that one must know about? Is setting financial goals important? How do we set goals that are realistic and achievable? How can I save money in the current era of inflation? What are the best investment options for a beginner? Let’s say I am a student with an allowance of RM500 per month. What are the most common financial mistakes that people make, and how can we avoid them? ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ Apart from being the advisor of The Futurizts, Mr. Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed as financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

Was it surprising for Anwar to be elected? Now that we have a new prime minister, what’s next? The Bursa market rallied after Anwar’s appointment – where is the next resistance? Will the Malaysian ringgit continue to strengthen? Why has the US dollar weakened? Can Malaysia avoid a recession in 2023? ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ Useful links: i) The next finance minister has a huge challenge: https://twitter.com/sanihamid/status/1596425144842743809?s=20&t=CftSpfe0BYxYCsTGxhSEQg ii) The Malaysian market should re-attach itself to global macro trends: https://twitter.com/sanihamid/status/1595996595140857858?s=20&t=CftSpfe0BYxYCsTGxhSEQg ~~~~~~~~~~~~ Apart from being the advisor of The Futurizts, Mr. Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr. Sani’s socials: https://twitter.com/sanihamid DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher and speakers.

The FTX debacle – how the second largest crypto exchange in the world collapsed in 3 days What can we learn from CEOs and billionaires? Should we trust them completely? How do we as investors avoid a crisis like this? Is the contagion over? Has Bitcoin bottomed? Where is the safest place to store your crypto? Is storing it in a cold wallet really safe? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Faz is CEO of MX Global, a cryptocurrency exchange licensed by the Securities Commission of Malaysia, which is invested in by Binance to bring compliant-first crypto products to the regulated market. With his Venture Capitalist roots and most recent stint as Chief Strategy Officer of Malaysia Digital Economy Corporation (MDEC), Faz advocates for policies to support the national adoption of blockchain technology and the commercialisation of web3 services. Faz’s socials: https://twitter.com/dfadzlishah ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Apart from being the advisor of The Futurizts, Mr. Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

The Malaysian Ringgit – Why is it weakening against the US dollar? Is this trajectory expected to continue? Why is the US dollar so strong right now? As Malaysians, should we be worried of our weakening local currency? What caused the crash of the sterling pound? How do we prepare for a recession? What are the do’s and dont’s? Malaysia’s August inflation came out at 4.7% - Why does it feel much higher? *Skip to (07:31) to get into our main discussion. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Apart from being the advisor of The Futurizts, Mr. Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and also has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Hann is a Fintech Entrepreneur and the Ex-CEO of RinggitPlus, Malaysia's leading financial comparison website. He is also a startup investor and advisor, having invested in 10+ startups including Fintech, SaaS, eCommerce, Media, Logistics, etc. since 2015. Qualified as a licensed financial planner, Hann has helped over a thousand Malaysians on their path towards financial literacy in the past two years. He was formerly the Council Member of the National Economic Action Council (EAC) in 2019 – 2020 and an investment banker at AVP, Equities and Funds Structured Markets at Barclays Capital (UK) in 2007 to 2010. Hann is a Chartered Financial Analyst (CFA) and a Certified Financial Planner (CFP), having achieved those qualifications in 2012 and 2016 respectively. He is currently the licensed director of CMSRL (Financial Planning) since 2020 and has studied Business Mathematics and Statistics at the London School of Economics (LSE) in 2007. Hann’s socials: https://twitter.com/ooihann ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Music Credits: Lofi Girl – 3AM Study Session DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

Inflation in the US hit 8.3% in August – What does this mean and how it will affect the economy? Will the Federal Reserve save the stock market? Can they prevent a recession? What should we expect in the upcoming FOMC meetings? Will the Fed be more aggressive? Why is Bitcoin becoming more correlated to the stock market? Will we see a decoupling soon? The Japanese yen hit a 7 year low against the Malaysian Ringgit – why is this the case? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Apart from being the advisor of The Futurizts, Mr. Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and also has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr. Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Additional sources and reading materials: i) US inflation hit 8.3%: https://www.nbcnews.com/business/economy/inflation-august-2022-consumer-prices-of-food-gas-rcna47291 ii) The Japanese yen – what you need to know: https://twitter.com/TheFuturizts/status/1568094164008734720?s=20&t=FRvHFOcxGJC8CVK0npipCw DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

How do interest rates affect the economy? The Federal Reserve raised interest rates by 0.75% - why did the markets rally? What are the key takeaways during the FOMC meeting? Why is the Singapore Dollar so strong against the Malaysian Ringgit? With the US recording two consecutive quarters of negative GDP, does that mean we’re in a recession? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Additional Sources and reading materials: i) The Fed raises rates by 0.75%: https://www.cnbc.com/2022/07/27/fed-decision-july-2022-.html#:~:text=Federal%20Reserve-,Fed%20hikes%20interest%20rates%20by%200.75%20percentage%20point,consecutive%20time%20to%20fight%20inflation&text=The%20Federal%20Reserve%20on%20Wednesday,range%20of%202.25%25%2D2.5%25. ii) US recession fears: https://theconversation.com/is-the-us-in-a-recession-well-that-depends-on-whom-you-ask-and-what-measure-they-use-187894#:~:text=In%20the%20U.S.%2C%20however%2C%20the,nonpartisan%20organization%2C%20says%20it%20is. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Mr Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and also has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts *Music Credits: Lofi Hiphop Chill Beats – 1 AM Study Session DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

How did Terra (LUNA), Celsius, 3AC, and Voyager collapse? What can we learn from this? Stablecoins and CBDCs – what are they? Will govt money continue to reign or will we see a new era? The different types of crypto exchanges – what are their business models, and what do they do with your funds? Are lending/borrowing platforms sustainable? How do they earn yield? Reading T&Cs – what are the red flags to look out for? Scams and false promises – how do we avoid them? What’s the best way to protect our funds? *Skip to (11:51) for the main session ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Sources & reading materials: i) The downfall of Terra (LUNA): https://twitter.com/FuturistsMY/status/1524315612373471232?s=20&t=EFxGsG0NvjgSkR6ZTtnhxA ii) Celsius’s Risk Disclosure: https://twitter.com/FuturistsMY/status/1547771053036158977?s=20&t=EFxGsG0NvjgSkR6ZTtnhxA ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Faz is CEO of MX Global, a cryptocurrency exchange licensed by the Securities Commission of Malaysia, which is invested in by Binance to bring compliant-first crypto products to the regulated market. With his Venture Capitalist roots and most recent stint as Chief Strategy Officer of Malaysia Digital Economy Corporation (MDEC), Faz advocates for policies to support the national adoption of blockchain technology and the commercialisation of web3 services. Faz’s socials: https://twitter.com/dfadzlishah ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A 5x beatbox champion and 6x TEDx speaker, Cody is an entrepreneur with a zealous mindset. He currently runs 5 businesses, all in different sectors: i) E ecommerce selling camping gear in America ii) Esports company called Sub Alt Esports iii) Music production house for advertisements and voiceovers iv) Web3 agency that helps brand onboard into the NFT industry v) Estate protocol – a company that promotes the ownership of real estate through fractionalization Cody’s socials: https://twitter.com/codycoexfoo ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

IN THIS EPISODE, YOU’LL LEARN: The recent inflation data released from the US: Why is it at 9.1%? Does the figure correctly reflect the true extent of inflation? A weaker Ringgit: is it good or bad for Malaysia’s economy? Sri Lanka’s economic collapse: What happened? What can the Malaysian government learn from Sri Lanka’s collapse? Why is Malaysia running low on chickens? Will Price Ceilings work? Foreign reserves: What are they and why are they crucial? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Additional sources & reading materials: i) Malaysia’s chicken crisis: https://twitter.com/FuturistsMY/status/1544183600647917570?s=20&t=1zfGxoP3MchNcKaEfP1XLA ii) Sri Lanka – What happened: https://twitter.com/FuturistsMY/status/1546758814023958530?s=20&t=1zfGxoP3MchNcKaEfP1XLA ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Mr Sani Hamid is currently a Director (Economy & Market Strategy) in Financial Alliance. He also heads the Financial Alliance Islamic Wealth Advisory (FAiWA) division within Financial Alliance. Sani has nearly 30 years of experience in the financial markets, having worked for companies such as S&P MMS where he led a team of analysts covering Emerging Asian economies; BNP Paribas Peregrine as a senior economist; and S&P Ratings as a Director in the sovereign team overseeing the ratings of countries such as Indonesia, India, Malaysia and Singapore. Sani is a Certified Financial Planner (CFP) and also has a Certificate in Islamic Banking & Finance from the International Islamic University of Malaysia. Mr Sani’s socials: https://twitter.com/sanihamid ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts *Music Credits: Lofi Hiphop Chill Beats - 3AM Study Session DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions of this podcast are solely that of the publisher.

IN THIS EPISODE, YOU’LL LEARN: • Who is Ab0ogee - An anonymous crypto whale who has helped the web3 community in Malaysia by sponsoring creators and NFT events. • How do we keep our crypto safe? Is a cold wallet really necessary? • What happened to the crypto market? How did we get here? • Ab0ogee's personal thoughts on surviving a bear market. • The long-term investor's sentiment - what is it? ~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today for as little as $1/month: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts ~~~~~~~~~~~~ Ab0ogee is an anonymous Malaysian entity in the web3 space. His team launched 7 DeFi projects over the last 2 years with aggregated deposits over $10 billion. Fiercely private, with little to no other public appearance, he shared that he focuses his effort in digital marketing, education, community building & DeFi. When not working on his core, his passion project includes helping artists and creators in the web3 industry find themselves and their true purpose. Ab0ogee is a frequent buyer of Malaysian NFTs and has sponsored NFT awareness events such as M1Nted Asia, WeArePoP, and others. Ab0ogee's socials: https://twitter.com/ab0ogee DISCLAIMER: The information contained in this podcast is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions expressed in this podcast are solely those of the speakers.

*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors. In this episode, we invited Shinji, our founder, to share the history of The Futurists, his personal struggles and successes, and additional market insights! Moderated by Clarice from M1NTED Asia, you’ll learn: The brief history of The Futurists (origins and long term goals) What are the best ways to build knowledge How does the Federal Reserve affect the economy? What are interest rates? Will we see a Bitcoin standard adopted by the world? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 01:08 How did you get yourself into the crypto space? 06:52 How did The Futurists begin? 11:50 Are there any other members in The Futurists’ Team? 13:42 What is Patreon? How do people support what you do? 16:52 What do you think about Cardano (ADA)? 21:47 Do you invest in NFT projects? What are the future of NFTs? 29:14 What do you think about Malaysia accepting crypto? What are the risks to MYR? 36:24 Where do you get your resources? How do you build knowledge? 41:04 Will there be any projects overtaking Bitcoin in the near future? 44:29 What is your opinion on govts using cryptocurrency? 49:25 What is your opinion on the weak Malaysian Ringgit on the country’s economy? 54:03 How does the recent rate hike from the Federal Reserve affect the economy? 63:34 What are the goals of The Futurists? 65:07 Can Bitcoin combat inflation? 74:34 Why is Bitcoin inevitable? 82:43 Could major countries ban Bitcoin? 88:52 Quick recap & summary ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Join our journey towards financial literacy and be a wiser investor today: https://www.patreon.com/TheFuturizts Find us at: https://linktr.ee/thefuturizts Moderator: Clarice from M1NTED Asia - https://twitter.com/M1ntedAsia *Music Credits: Lofi Hiphop Chill Beats – 1 AM Study Session