The Futurizts Podcast

The Psychology Of Money by Morgan Housel is widely considered as one of the most influential financial books of our age. Rather than talking about raw numbers and formulas, the book focuses on habits and personality, arguing that most of our money decisions are driven by the stories we hear, not facts. In this session, I broke down the first 5 chapters, shared real-life examples, and talked about...

The performance of gold has been astounding. Since 2024, the asset is up over 82%—1 gram of it (which is about the size of a simcard) is now worth RM510, and a kilo of that (about the size of a cholocate bar) could afford you a condo. Bitcoin, often dubbed as gold 2.0, has also been on an uptrend. Though it has retraced in the past couple of weeks, its performance since 2024 is actually more impre...

Become a Member of The Futurizts and miss nothing from us: https://futuriztsmembership.wasap.my/ Watch the full video with timestamps on YouTube: https://youtu.be/vp7SWXRJzKg Links and Resources: Sign up using “THEFUTURIZTS” for Versa Gold: https://versa.com.my/versa-gold/ Sign up for Luno and start buying crypto from as low as RM1: https://www.luno.com/invite/SSZXGK TIMESTAMPS (00:00) Why is Gold...

Last Monday (July 7), Donald Trump announced a 25% tariff on all Malaysian products entering the US, effective August 1. The letter, detailing to PM Anwar, sought to escalate the Malaysia-US trade relations, which Trump previously agreed to lower Malaysia’s tariffs down to a baseline of 10% while exempting semiconductors. The reason for the “new” tariffs, according to Trump, is to “eliminate the T...

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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 shock...

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 e...

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 c...

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 bur...

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...

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 an...

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 pr...

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 Li...

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 m...

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, postin...

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 Dece...

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 ringg...

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 RM5...

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 movement...

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 cur...

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 (GXBan...

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...

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). Ne...

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 maximiz...

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 financi...