The Futurizts Podcast: Recent Episodes
Shinji Ong
We interview financial experts, economists, founders, and entrepreneurs to bring you the most updated matters on all things finance.
To learn more about The Futurizts, visit us at https://linktr.ee/thefuturizts and subscribe to our newsletter to receive actionable insights on the markets weekly.
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 how these lessons apply to our everyday financial choices.
TIMESTAMPS
(00:20) Everyone’s Financial Decision Makes Sense In Their Eyes
(03:22) You Can Be Talented And Still Be Unsuccessful
(06:15) Sacrificing What You Need For More Is Foolish
(09:57) Compound Interest Is Often Misunderstood
(14:41) Getting Wealth And Staying Wealthy Are Completely Different
(19:08) Most Of What You Do In Life Won't Matter
(26:03) Most Malaysians Won’t See Their First RM1 Million
(31:45) QnA
📘 Want the full 30-page summary (Chapters 1–17)?
I’ve compiled everything into a clean, easy-to-read PDF that goes deep into each chapter.
Join our WhatsApp group to get it: https://futuriztsmembership.wasap.my/
⚠️ Disclaimer: This video is for educational and informational purposes only.
Everything discussed reflects my personal opinions and experiences — always do your own research before making financial decisions.
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 impressive than gold – up 164%.
As of 28 Sept 2025, 1 BTC is currently $112,000, which coincidentally, could also afford you a condo, albeit a slightly cheaper one.
In this episode, financial experts Hann Liew and Sani Hamid breakdown the historic performances of both gold and Bitcoin, why they’ve increased so much in price, and the ultimate question everyone wants to know: whether it’s too late to invest.
TIMESTAMPS:
(01:03) What’s Happening To Gold?
(07:58) Will The US Dollar Disappear?
(12:22) How Many Percent Of Gold / BTC Should You Have?
(15:04) Why Not Go All-In?
(20:48) Why Is Bitcoin’s Performance Diverging From Gold?
(25:03) Price Predictions In The Next 5-10 Years
(34:30) Where To Buy Gold?
(44:43) How To Invest When All-Time High?
(54:09) Should I Put Monthly Savings Into Gold or Bitcoin?
(59:38) Wrapping Up
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://x.com/ooihann
Follow Sani Hamid: https://x.com/sanihamid
We post market updates daily in our WhatsApp group for over 395+ members. Click here to join: 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.
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 at All-Time High? Still Can Buy?
(07:49) When Will EPF Dividends Match Your Salary?
(12:41) One Investment I Never Regretted
(17:17) GXBank vs Ryt – Which Is The Better Travel Card?
(20:01) Best Platform To Buy Crypto?
(22:44) Is ASM Good?
(24:56) When Is A Good Time To Buy Bitcoin?
(29:43) Best Travel Card Currently?
(32:04) What To Do When Investments Are Losing Money
(39:08) Difference Between Buying Insurance Online VS An Agent
(44:36) Your Medical Premiums Should NOT Increase By More Than 10%
(46:36) Prediction For EPF Dividends
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.
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 Trade Deficit disparity” the US has with Malaysia.
In the same week, Bank Negara Malaysia (BNM) lowered the Overnight Policy Rate (OPR) by 25 bps to 2.75%, citing “continued expansion in global growth, supported by sustained consumer spending and to some extent, front-loading activities.”
In this episode, Investment Analyst Azharuddin breaks down what Trump’s tariffs really mean, why BNM’s rate cut matters, and the stocks he’s watching closely right now.
(01:38) What Are Tariffs? What Does Trump Aim To Do With Them?
(09:08) Tariff Impacts On Malaysia And The Stock Market
(17:14) What Stocks Are You Watching Now?
(28:50) Are Local Banks Still Good?
(42:14) Best Advice To A Beginner?
(54:32) How To Allocate Spare Cash?
(58:29) Final Thoughts
Join Azha’s event on 26 July – Stock Picking for DUMMIES: https://lu.ma/6l9725r2
Join Our WhatsApp Group: https://futuriztsmembership.wasap.my/
DISCLAIMER: The information contained in this episode is for informational and educational purposes only. Nothing herein shall be construed to be financial, legal, or tax advice. The opinions shared are solely that of the publisher and speaker.
Watch the video on YouTube: https://youtu.be/tfBnfBWa87k
Links & Resources:
i) Join Our WhatsApp Group: https://futuriztsmembership.wasap.my/
ii) Medical Cards Between RM50-120 (not sponsored): https://www.instagram.com/p/DKKBw_OJMg5/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==
iii) How To Invest In US Stocks: https://thefuturizts.beehiiv.com/p/start-investing-us-market-f0d7
iv) Preparing for SST Increase: https://open.spotify.com/episode/0rHPNDYnFavIppjZrfgkDi?si=84552e87aa8e4cac
TIMESTAMPS
(00:00) Bank Stocks or REITs?
(01:35) Financial Habit That Has Made Your Who You Are
(03:59) How To Buy Stocks?
(05:47) What Is The FIRE Movement?
(09:35) How Much Stocks Should I Allocate?
(12:03) Thoughts On Cash Trust?
(14:38) Why Not Use KDI Save – 4% pa?
(17:46) How To Deal With SST Increase?
(23:22) Gold & Bitcoin – Still Good To Buy?
(28:58) I’m New To Investing – How to Grow Savings?
(30:54) How Much Is Too Much To Pay For Medical Cards?
(33:59) What Stocks Am I Looking At?
(40:45) Thoughts On Fixed Deposits?
(43:57) Trump’s Tariff Pause – What Next?
(46:42) Is Versa And Luno Regulated?
(49:30) Will Trout Be Hit By SST Increase?
(50:10) If Company Provides Insurance, Should I Still Buy?
(52:45) Property Investment Still Good?
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 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
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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
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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
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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
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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 has the ringgit soared? What's happening?
(00:07:50) What does a stronger ringgit mean for investors?
(00:12:06) There are 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 advatange 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)?
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 are looking to 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.
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
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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/ooihannSani’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/TheFuturiztsFind 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’ll 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/ooihannSani’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/TheFuturiztsFind us at:https://linktr.ee/thefuturiztsThis 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?
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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.
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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
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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.
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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.
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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
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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?
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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?
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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
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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?
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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
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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
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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.
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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
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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
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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?
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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
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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?
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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.
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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
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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
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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
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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
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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.
*This podcast is not financial advice. It is used for entertainment purposes only.
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?
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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
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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/futuristsMY
Read our FREE weekly newsletter:
https://www.getrevue.co/profile/futuristsmy?via=twitter-profile
Find us at: https://linktr.ee/thefuturizts
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
- What happened to Terra (LUNA)? Why did it crash to zero in less than a week? Are all algorithmic stablecoins doomed to fail?
- Will inflation ease in the upcoming months? What's driving Bitcoin's price? Are we in a recession?
Crypto enthusiasts and DeFi Jedis share their thoughts on the crypto market. The first half of the session covers inflation, the Federal Reserve, interest rates, and recession fears. The second half of the session (34:38) talks about LUNA and the death spiral.
Notable speakers:
i) Mr Sani Hamid: https://twitter.com/sanihamid
ii) Crypto Balls (Balls): https://twitter.com/Crypt0_Balls
iii) Irsyad: https://twitter.com/isyirsyad
iv) Ihsan: https://twitter.com/inashdeen
v) Marish: https://twitter.com/iAmM0rpheu5
vi) CG: https://twitter.com/MYcaveman
vii) Dwayne Ong: https://twitter.com/Dwayneokq
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Read our FREE weekly newsletter:
https://www.getrevue.co/profile/futuristsmy?via=twitter-profile
Find us at: https://linktr.ee/thefuturizts
*Music Credits:
Lofi Hiphop Chill Beats - 1Am Study Session, 3AM Study Session
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
On 6th March 2022, Anton Nell tweeted that he and his colleague Andre Conje will be taking a break from crypto:
https://twitter.com/AntonNellCrypto/status/1500405473337565191
Who are they, you might ask?
Well, Andre and Anton helped to develop numerous DeFi projects like Fantom (FTM), Keeper Network, Yearn Finance, etc.
Widely considered as the 'godfather' of DeFi, Andre's departure created mass panic within the FTM community. Everyone scrambled. The price of FTM dumped 30% in a matter of hours.
Is this a massive rug-pull? And what's the future like for FTM right now?
In this raw, uncut session, DeFi Jedis and crypto enthusiasts debate about FTM and more.
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Read our weekly newsletter:
https://www.getrevue.co/profile/futuristsmy?via=twitter-profile
Find us at Twitter, Instagram, Pentas io, Opensea, and YouTube: @FuturistsMY
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session
Have you been a degen? Buying a coin with no fundamentals, falling into hype and FOMO, rug-pulled, scammed, etc.
If you said yes to any one of the above, then this episode is a must listen for you. Prominent developers and DeFi fanatics Irsyad, Morpheus, and imCaveman share their thoughts on how to (not) be a degen.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
Timestamps:
(00:00) Introduction to the speakers
(07:47) What is/are your definitions of degen?
(18:41) What is your most degen play? Tell us your worst experience.
(28:31) How do we stop ourselves from FOMO and hype?
(39:08) How important are market caps?
(43:20) The importance of rankings
(51:04) Why is Bitcoin different than all the other altcoins out there?
(56:25) Since Bitcoin's code is open source, can someone copy it? Will it work?
(63:13) Why is Bitcoin 'expensive'?
(66:53) Personal thoughts on Gold vs Bitcoin
(88:10) QnA
(90:28) What are your personal methods to achieve financial stability?
(97:10) Wrap up, conclusion
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Read our weekly newsletter:
https://www.getrevue.co/profile/futuristsmy?via=twitter-profile
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZj
Useful links:
1) Irsyad's socials: https://twitter.com/isyirsyad
2) Morpheus's socials: https://twitter.com/iAmM0rpheu5
3) imCaveman's socials: https://twitter.com/MYcaveman
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session
The ‘Virtuosos’ is a special season where we interview talented artists who have already achieved virtuosity in their works. It is part of Cryptonate’s project, initiated by a group of MBA Students from UKM. The goal is to utilize NFTs and the blockchain to spread awareness towards infertility.
In this final episode, we featured Pentas CEO Irsyad (@isyirsyad), artists Sue Anna Joe (@sueannajoe_) and Riharu (@iAmRiharu). We also brought back a few artists we've featured in our previous episodes.
Irsyad needs no introduction. He is a technology and innovation enthusiast with over ten years of expertise in Windows and Linux software development, including IoT embedded device and web apps. His extensive experience in building entire software solutions, such as cashless payment for unattended retail and smart vending systems enabled him to further his ideas and aspirations - creating a local NFT marketplace, known as Pentas.
Twitter: https://twitter.com/isyirsyad
Pentas marketplace: https://app.pentas.io/
SueAnnaJoe is a mother of two boys and a full time digital artist. She is a multi-disciplinary artist (canvas, digital, acrylic, etc) and has won multiple awards. She also has passion in photography. She participated in a number of exhibitions for photography and has appeared in various media, newspapers and magazines. She made a legendary sale on her genesis artwork 'Rusuk Emas' at Pentas for a whopping 22 BNB (RM52,000) on 12th Dec 2022.
Twitter: https://twitter.com/sueannajoe_
Riharu Harun is a sculptor, engraver, illustrator, and painter. He graduated from the Fine Arts Department in University of Technology MARA. A master of all trades, Riharu generously blends his array of skills into each of his artwork. His use of colours are amazing - emphasizing less on flamboyant colours but more on the enigmatic, mysterious shades. The common theme in his artworks depict female struggles, successes, and livelihoods. His portraits also touch the fragility of nature.
Twitter: https://twitter.com/iAmRiharu
Timestamps:
(00:00) Introduction
(05:48) What is the best approach to go beyond normal consumers in NFTs?
(10:45) What are the hurdles you've faced when conducting this project? Did the Queen have any doubts?
(13:53) Irsyad talks about the legality of Binance in Malaysia
(17:09) Raj adds about fundraising and NGO in NFTs.
(18:33) Riharu introduces himself
(21:53) Irsyad: How did the idea of Pentas came about?
(27:14) Irsyad: The objectives of Pentas
(31:02) Irsyad: The importance of motto and brand positioning
(35:02) Irsyad: Business tactics and strategies
(35:53) Sueannajoe introduces herself
(39:48) Riharu talks about his female artworks
(46:42) SueannaJoe talks about her experience as a digital artist
(49:00) SueannaJoe: How do you handle a toxic environment and emotional situation?
(53:04) Irsyad: How do you manage stress while coding?
(56:43) Irsyad: Tips to be a good CEO?
(58:02) Riharu: Where do you take inspirations?
(69:33) Irsyad: What is the end goal for Pentas?
(80:06) Irsyad shares his thoughts for event
(88:05) Irsyad wraps up the session and gives us his final thoughts
(94:27) Wrap up, conclusion to all 4 episodes
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session
Watch: https://www.youtube.com/watch?v=5qap5aO4i9A
The ‘Virtuosos’ is a special season where we interview talented artists who have already achieved virtuosity in their works. It is part of Cryptonate’s project, initiated by a group of MBA Students from UKM. The goal is to utilize NFTs and the blockchain to spread awareness towards infertility.
In the third episode, we featured Jihan (@lakarumbi), Arif Rafhan (@ArifRafhanDraw) and Amir (@DoDaDoodle).
Arif Rafhan Othman is a visual artist, both in traditional and digital platforms. His forte includes book illustrations, comics, concept art, sculptures, and murals. You can see his works at public places and offices commissioned by municipals and corporates – Eco World, DBKL, Coke, Expedia, Samsung, etc. His books and comics have been published in Malaysia, Singapore, and as far as the United States. He contributed to Gila-Gila and works with Dato Lat. Arif provides his visual skills for animation series and films both locally and overseas. This includes concept art, character designs, storyboarding and animations. His art is mostly centered around Malaysia, with tons of local references and themes.
Profile: https://twitter.com/ArifRafhanDraw
Amir Sabri is a doodle artist. He began as early as 2011, doodling to find a way to himself. “Doodling turns out to be the magical key for me to express my feelings, my doubts, and the best channel for me to spill everything out of my heart.” – Amir. His artwork is known to radiate positivity and tranquility amid the countless squiggles, lines, and curves. It has been a good source of side income for him for almost 10 years. Recently (2021), he quit his job in architecture to jump into the doodle world whole heartedly. Amir is the perfect example of an artist who pursues passion, not perfection.
Profile: https://twitter.com/DoDaDoodle
Jihan is an abstract artist with audio visuals. Her works touch on the fragility of life, happiness, anger, sadness, and death. Prior to the pandemic, she was a musician relying heavily on live performances as her main source of income. With Covid distorting her livelihood, she had no earnings for over a year. She ventured into the NFT space out of curiosity and immediately dominated. Her works are on multiple platforms: Teia, Hic Et Nunc, OBJKT, Versum, Rarible and Pentas. She mostly features an enigmatic female in her works, depicting surreal scenes that blend reality and illusion.
Profile: https://twitter.com/lakarumbi
Timestamps:
(00:00) Raj talks about the Cryptonate project
(03:36) Arif Introduces himself
(4:54) Jihan Introduces herself
(06:02) Amir Introduces himself
(11:39) How did you get to where you are today? What are your experiences and challenges to achieve success?
(25:32) Arif talks about the “Malay Lady Series” and how this idea came about.
(32:26) How does an artist tell if they’re done with an artwork?
(42:26) What are your lowest points? How did you pick yourself up?
(59:53) To Jihan: Was it a difficult challenge to relate your artwork to love?
(62:46) Raj talks about Amir’s works
(67:06) Arif talks about his reason for choosing ‘Uncertain’
(71:55) Raj wraps up
(73:28) Shinji ends the session, Arif gives some advice to artists
Support us at Patreon:
https://www.patreon.com/futuristsMY
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session, 1 AM Study Session
Watch: https://www.youtube.com/watch?v=5qap5aO4i9A
The ‘Virtuosos’ is a special season where we interview talented artists who have already achieved virtuosity in their works. It is part of Cryptonate’s project, initiated by a group of MBA Students from UKM. The goal is to utilize NFTs and the blockchain to spread awareness towards infertility.
In this second episode, we featured Asmoe (@asmoeroc), Dr. Jasma (@jasma_jamaludin) and Azyan (@AzyanDraws).
Asmoe. A promising young Graffiti Artist who defines his own identity by utilizing graffiti letters as the daredevil weaponry on scene. Born in Malacca & raised in Seremban, Negeri Sembilan, he started to splash the walls with colours since 2011. Ever since then, Asmoe has been exploring and experimenting with multiple styles and elements which are handsomely infused into his pieces. It is an attempt to exquisitely discover his perspective & individual personality in the game. Over the years, his evolved pieces & sketches have been featured in numerous blogs, media pages, and interviews worldwide.
Profile: https://www.instagram.com/asmoeroc/
Dr Jasma binti Jamaludin was born in 1994 and graduated from SEGI University with a degree in Bachelor of Medicine and Bachelor of Surgery (MBBS). She became interested in art during her early days as a medical student. Working as a doctor, she felt death, pain, and suffering through her patients. It is an onerous duty. The only way out for her it seems, is to paint experiences and expressions on canvas. Dancing and whirling with vibrant but surreal colours, her abstract artwork is not bound by her own imagination. It encapsulates the very essence of life and death itself.
Profile: https://www.instagram.com/artby.jasma/
Azyan is a self-taught digital illustrator specializing in the feminine genre of illustration. Born in 1990, Selangor, she graduated from UiTM with a Masters in Architecture in 2017. Azyan prioritizes softness and elegance is her artworks, but do not assume that she is limited to peaceful/beautiful sceneries. Some of her works address the struggles of society: depicting a mother’s ever-lasting love to a child, protecting women with their rights, etc. Azyan managed to get recognition from Mstar, SelangorFM, and won multiples awards in various platforms.
Profile: https://twitter.com/AzyanDraws
Timestamps:
(00:00) Intro
(00:33) Raj shares about the Cryptonate project
(02:35) Asmoe introduces and shares his backstory
(11:13) Dr Jasma introduces herself and her work experiences
(16:35) Azyan introduces herself
(19:44) How did each of you get to where you are today? How did you become so virtuosic?
(34:35) Asmoe talks about the origins of his name “ ASMOE”
(39:55) Azyan Shares her journey in arts
(46:45) What word/description did you choose for this Cryptonate project?
(60:00) Dr Jasma asked about minting in multiple platforms
(66:56) Wrap up, conclusion
Support us at Patreon:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session, 1 AM Study Session
Watch: https://www.youtube.com/watch?v=5qap5aO4i9A
The ‘Virtuosos’ is a special season where we interview talented artists who have already achieved virtuosity in their works. It is part of Cryptonate’s project, initiated by a group of MBA Students from UKM. The goal is to utilize NFTs and the blockchain to spread awareness towards infertility.
In this first episode, we featured Nurina (@NurinaNorman), Vivian (@NiuniusGallery), and Sha (@Imagishary).
Nurina is from Johore, Malaysia. She is an abstract artist whose work is deeply rooted in the material curiosities and playfulness of acrylic paint. She has a Bachelor’s Degree in Accounting from Multimedia University Malaysia and is a mother of four. She paints using acrylics on canvas, a method she mastered with her own techniques. She believes that abstract art allows her to express emotions in the form of colours, and everyone has a different perspective of what art is.
Profile: https://www.instagram.com/opera_d_artebynurinanorman/
Vivian is from Bentong, Pahang. She has a Bachelor’s Degree (Hons) in Interior Architecture and Design from Nottingham Trent University UK. She completed her master’s degree in landscape architecture from Leeds Beckett University UK. Studies aside, she is also a lecturer, author, composer, and a YouTuber (Niuniu’s Gallery). She is a master of all trades in art: thumbprint portraits, spray painting, speed painting, Zentangle, calligraphy, acrylic painiting, mural painting, etc.
Profile: https://www.instagram.com/niuniusgallery/
Sha is bubbly and cheerful at heart. She is a professional in marketing and has helped many artists publish and/or market their works on Pentas. She is a self-taught artist. Her love for arts began since she was young. “I always consider drawing or producing art as an escape from the hustle of life. My style of art is incorporated with nature and floral. Apart from producing fine arts my favorite kind of artwork is children's artwork which I consider the most relaxing piece of art I have ever produced. I started my own brand called imagishary KIDS which infuses art into children's growth and learning.” – Sha, 2022.
Profile: https://twitter.com/imagishary
Timestamps:
(0:00) Introduction
(0:46) Raj talks about his project to spread awareness towards infertility - Cryptonate
(6:23) Nurina introduces herself
(9:44) Vivan introduces herself
(19:50) Sha introduces herself
(25:37) Sha’s talks about her experiences in minting on Pentas
(29:32) Vivan share’s her experience on Opensea
(30:38) Nurina talks about her experience and understanding of NFTs
(31:57) What inspires you to make art? Do you have an end picture in mind when drawing?
(38:58) Which NFT platforms are better for beginners?
(41:38) Is marketing NFTs hard?
(46:03) If we’re not so outspoken like others, what can we do to market our works?
(50:22) How does one build confidence on twitter spaces.
(53:27) How difficult is Art?
(66:57) Wrap up, conclusion
Support us at Patreon:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session, 1 AM Study Session
Watch: https://www.youtube.com/watch?v=5qap5aO4i9A
Brilliant collectors JC (@J4nt4nCrypto) and Faris (@FarisScar) talk about the collector's perspectives in the current NFT industry.
In this session, you'll learn:
i) The fundamental properties of NFTs and how they work
ii) The Collector's mindset
iii) Copyrights for artists
iv) Fine arts and physical artworks
Timestamps:
(00:00) Introduction
(04:52) Q1: How does the blockchain relate to NFTs?
(11:45) Q2: What is minting?
(14:02) Q3: Can NFTs be used as a tool to combat climate change?
(18:40) Q4: Why doesn't 'Right Click Save As' work in NFTs?
(24:10) Q5: What stops an artist from tokenizing their works in various platforms?
(24:32) Faris talks about copyrights and law
(31:32) Q6: What is a good strategy to make NFTs as an investment?
(36:02) Q7: How do we stop ourselves from getting scammed?
(40:22) Shinji adds his thoughts on a possible 'rug pull' project
(44:58) Akmal talks about AI arts
(46:42) Q8: The balance of collectors and artists right now is not even. In particular, there are more artists than collectors. How do we bring balance to this?
(52:04) Q9: What are your opinions on fine arts as NFTs?
(56:47) Q10: How can one market their works if they are an introvert?
(60:17) Wrap up, conclusion
Subscribe to our weekly newsletter for only $0.50 a week:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session, 1 AM Study Session
Watch: https://www.youtube.com/watch?v=5qap5aO4i9A
Our 12th Tanah Tumpahnya NFTku session commends and acknowledges women in the NFT industry.
Although comparisons toward gender have faded with time, remnants of it still linger within our modern society. The speakers of this session shared their thoughts on the various challenges they've faced, and how they dealt with it as proud women. Hosted by Azyan (@AzyanDraws) and Sha (@Imagishary), this session is a must listen for people who are seeking hope within the NFT industry.
Timestamps:
(00:00) Opening
(01:36) Nymea (@Nymea__) introduces herself
(02:29) Tari Putri (@TariPutriNFT) introduces herself
(04:11) Bad Apple (@cheenabookit) introduces herself
(05:21) Sha (@Imagishary) introduces herself
(05:59) Azyan (@AzyanDraws) introduces herself
(06:25) Is it tough to be a female artist? Do people support what you do?
(16:09) How do we find strength and a cause within the community?
(32:22) QnA to Nymea: What/who inspired you to make art?
(35:44) Is it okay to take a few days off but still interact with the community?
(40:50) How do we empower ourselves as women if the space is dominated by men?
(52:20) How do we as women, encourage one another to continue striving/pushing?
(57:44) Some thoughts and questions on sexual harassment
(65:10) How can NFTs help women to empower themselves?
(72:18) QnA, conclusion
Subscribe to our weekly newsletter for only $0.50 a week:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session, 1 AM Study Session
Watch: https://www.youtube.com/watch?v=5qap5aO4i9A
In this session, Altimet, a well-known rapper, songwriter, composer, and actor from Malaysia, talked about his challenges, successes, and humble origins as an artist. His curiosity to learn more about the NFT industry led to a legendary collaboration with @PandaPunkNFT, @KonfederasiMY and @TunNFT. This session, hosted by @Imagishary and @FuturistsMY was a ‘hot-tub’ interview, where each artist shared their thoughts and experiences on the current NFT industry.
Timestamps:
(00:00) Opening
(01:46) PandaPunk's Introduction
(03:05) Background and Introduction of Tun
(12:29) Altimet Introduces himself
(14:05) Altimet talks about his music career
(16:11) Haris (KonfederasiMY) Introduction
(18:00) What are the challanges or fun moments when collaborating wth altimet?
(19:20) PandaPunk shares their collaboration experience with Altimet
(24:06) Tun shares his collaboration experience with Altimet
(26:10) Altimet talks about the purpose of the collaborations
(38:00) Altimet talks about his current NFT project on Pentas
(40:25) Haris explains the creative process of Sang Saka
(44:02) PandaPunk talks about collaboration with artists
(47:30) Altimet and his latest music “Amboi” - an instant hit which caught worldwide attention
(51:55) Altimet shares his thoughts on making art
(54:09) Tun shares his future plans
(56:10) PandaPunk gives some advice on collaborations
Subscribe to our weekly newsletter for only $0.25 a week:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*The cover art of this session was drawn by @TunNFT
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 1AM Study Session
How do collectors think? What are the specifics they look for before buying an artwork?
In Part II of this episode, we interview three prominent NFT collectors: JC (@J4nt4nCrypto), Cody (@codycoexfoo) and Bad Apple (@cheenabookit).
Hosted by Akmal from @GuinGang_, the session was fun but brutally honest. It is highly recommended for upcoming artists who want understand the mindset of NFT collectors.
Timestamps:
(00:00) Are roadmaps important?
(07:35) Which blockchain should I use when minting NFTs?
(14:15) Is Rarible a good platform to mint?
(17:53) What are your thoughts on artworks with editions?
(25:22) Do collectors feel that artists should separate their work?
(32:53) What do you think about photography in NFTs? Do collectors care about it?
(43:30) Is listing at a low price good for starting an NFT project?
(51:20) What are your thoughts on community engagement?
(59:14) Advice on creating art
(66:15) Thoughts on women of colour on nude art/photography?
(73:52) How should I launch my NFT projects?
(79:24) Tips on cybersecurity
(90:08) The best and final advice for artists
(92:05) Confucius said something
(94:02) Doctor plays the piano
(95:15) Wrap up, conclusion
Subscribe to our weekly newsletter for only $0.25 a week:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session, 1 AM Study Session
Watch: https://www.youtube.com/watch?v=BTYAsjAVa3I&t=118s
How do collectors think? What are the specifics they look for before buying an artwork?
In Part I of this episode, we interview three prominent NFT collectors: JC (@J4nt4nCrypto), Cody (@codycoexfoo) and Bad Apple (@cheenabookit). Hosted by Akmal from @GuinGang_, the session was fun but brutally honest. It is highly recommended for upcoming artists who want understand the mindset of NFT collectors.
Timestamps:
(00:00) Introduction
(02:27) Who is Cody?
(03:26) Cody talks about Estate Protocol
(05:23) Why collect NFTs?
(07:56) Who is JC?
(15:01) What do collectors look for when purchasing art?
(22:42) Who is Bad Apple?
(26:13) QnA
Subscribe to our weekly newsletter for only $0.25 a week:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 3AM Study Session
Twitter, Facebook, Instagram, Tik Tok - What do these have in common?
Marketing.
The challenge is to capture attention, provide value, and reward an outsider for their time, money, and attention spent on our product. This session tackles the complexity of marketing - from how Twitter's algorithm works and to how to target specific customers or your 'piece of the pie'. It is highly recommend for those who are currently running their own business or seek entrepreneurship.
Here are a few timestamps:
(00:00) Amirul introduces himself
(03:09) Pali introduces himself
(04:13) The Twitter Algorithm
(06:30) Faris introduces himself and Guin Gang
(10:20) Each of you own a business and know some form of marketing. Please share your strategies.
(18:05) Providing value is important, but art, with its abstract nature, how does it provide value?
(25:36) Guin Gang talks about their marketing strategies
(30:59) We have to only cater to our customers in marketing. True or false?
(36:35) Finding your niche in the markets
(42:30) Faris's thoughts on catering to your 'piece of the pie'
(44:30) Twitter vs Facebook vs Instagram, which platform is the best for marketing?
(56:30) The 'Retweet' function for Twitter: A strong feature that must not be underestimated or misused
(62:41) Cody: Is Discord a good funnel for people to do a call to action on your product?
(74:33) Colin shares his questions on having a solid foundation before taking a risk
(88:55) Cody shares his thoughts on marketing strategies
(92:48) Amirul talks about POG and his offered courses
(105:23) Final thoughts, conclusion on marketing
Subscribe to our weekly newsletter for only $0.50 a week:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Check out our Youtube channel: https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
Useful links:
1) Amirul's socials: https://twitter.com/AmirulMu_min
2) Pali's socials: https://twitter.com/wolfipali
3) Guin Gang's socials: https://twitter.com/guingang_
4) Cody's socials: https://twitter.com/codycoexfoo
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 1 AM Study Session, 3AM Study Session
Why do we make art? Must we have a cause? If so, how do we price our works? What is the 'fair value'?
In one of our most legendary sessions, we discussed about NFTs and sustainability. Artwork itself sometimes isn't enough, and we have to ensure that we can sustain without burning out. "Go for the long run", basically.
The session had over 150 listeners at its peak. Hosted by Sha (@Imagishary) and Shinji (@FuturistsMY), with featured speakers Amir (@AmirRozali), Abudullah (@AfricGuild), Faiz (@TigerPunksMY) and Asyraf (@BicaraKrypto), this is a session you wouldn't want to miss.
Here are a few timestamps:
(00:00) Opening
(01:37) Amir introduces his projects: @LabRatClub and Frame of Mind
(04:10) Abdullah talks about the African Culture
(10:01) Faiz talks about Tigerpunks and its cause
(14:12) Shinji shares the origins of 'Tanah Tumpahnya NFTku'
(17:21) Asyraf talks about his Youtube channel
(27:32) Is having a cause important for a project? Does it help with marketing?
(30:51) Amir: Can you explain the origins of LabRatClub? Why Rats?
(34:41) Faiz: In October'21, you conducted the first successful charity auction, raising funds to buy 2 ipads. What was your reaction then?
(39:50) Abdullah talks about AfricGuild's trailer and project
(59:16) @CodyCoexFoo talks about marketing NFTs
(75:57) @FancyFoxClub shares his perspective about marketing
(93:28) The "Legendary" moment
(94:51) Collectors can sniff a slight hint of bullsh*t from artists. What are the criterias for these?
(102:59) @Commoncentsmy (Snek) shares his thoughts about charity works
(105:10) How do we price an art?
(114:50) @buynselljpeg (ArtDeep) weighs in on marketing
(127:47) How do we explain NFTs to the public?
(138:42) Wrap up, conclusion
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
*The cover art of this session was drawn by @AmirRozali.
*Music:
Lofi Hip Hopchill Beats - 1 AM Study Session, 2 AM Study Session, 3 AM Study Session
What is money? How do we define it? Why is the blockchain important? We tackle these questions and MORE in this lounge session. Apart from being a settlement layer which cannot be disputed, we talked about the blockchain, which offers a permanent ledger that records all transactions and executions. Another interesting thought we discussed is that money is but a social construct. It has value because the governments give it value. So, is it theoretically possible to have DOGE to be the next currency if everyone were to accept it socially?
We highly recommend you to listen through the entire session. We had a team member (Harith, @harithk17) from Etherscan, BSCScan, etc to join us. We also had Nimu from @CoolnKultured to share his thoughts.
Here are a few timestamps:
(00:00) Introduction
(05:48) Bitcoin is intangible. It has no company, therefore it cannot produce any cash flow, revenue or dividends. It is a scam. Or is it?
(09:48) What is money?
(15:07) If everyone decided to stop using Bitcoin, will Bitcoin be obsolete?
(16:10) Is it possible for another cryptocurrency to overtake Bitcoin?
(19:15) Bitcoin mining consumes so much energy. It is extremely harmful to the environment.
(25:34) Proof of work: Why Bitcoin consumes so much energy.
(33:15) What is the Byzantine General's Problem? How does Bitcoin tackle this issue?
(37:10) Bitcoin is too volatile. It is not a safe asset to invest in.
(47:42) Why NFTs?
(60:44) "Right Click Save As, and I've stolen your NFT." XD
(73:43) The Blockchain Technology is just a fancy term for a Ponzi Scheme of gargantuan proportions.
(86:21) If majority of the people starts to accept DOGE, would it be a legal currency?
(92:35) Is Bitcoin really decentralized? What of the early adopters?
(102:48) What happens if Ethereum overtakes Bitcoin?
(106:02) Bitcoin's maximum supply is 21 million. Is this true? What is the true circulating supply of Bitcoin?
(115:57) Bitcoin is not undergoing any development now. True or False?
(121:15) Harith's socials and information
(122:25) Nimu (CoolnKultured)'s socials and information
Subscribe to our weekly newsletter for only $0.50 a week:
https://www.patreon.com/futuristsMY
Check out our Youtube channel:
https://www.youtube.com/channel/UCUwAPkUuRa5xVjjnYpfKZjg
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits:
Lofi Hiphop Chill Beats - 1 AM Study Session, 2AM Study Session
Hoogway - Forever Ago
Is your portfolio organized? Do you have a strategy on how many percent you want to allocate in each asset? What are your diversification strategies? Do you have one? If you do, or don't, listen in on our most recent session conducted for our Patreon members on 'Risk Analysis and Management'.
This recording is partial, and the full recording is only available for Patreon members to watch. If you're curious to find out more, head over to our Patreon and join our journey towards financial literacy.
Here are a few timestamps:
(00:00) Introduction
(01:20) Risk vs Reward, what are they?
(03:15) The Money Pyramid
(04:21) The 5 risk factors
(05:42) Deciding your risk factor
(08:15) Example of a risk 5 portfolio: YOLO
(11:21) Example of a risk 4 portfolio: Aggressive
(12:33) Wrap up, things to look forward to for the Futurists.
Access to the full recording is exclusive for our Patreon members only:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*Full slides for this session are available upon request only. Please DM us on Twitter or Instagram if you need them.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Sources: https://www.investopedia.com/articles/basics/03/050203.asp
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session
We're celebrating NFTs! Our 8th Tanah Tumpahnya NFTku session is to commend, congratulate and commemorate everyone involved in the NFT industry. We travelled far, not only as Malaysians, but as a society. The host of this session, @FuturistsMY conducted a 'hot tub' interview on the successes and challenges of featured artists: Haris (@KonfederasiMY), Azrin (@WoodGangNFT), Ar Ridha Razak (@ArRidhaRazak) and Sanuri (@SanuriZulkefli). It was a fun, emotional, and knowledgeable session.
Here are a few timestamps:
(00:00) Introduction
(10:27) KonfederasiMY: Legendary sale of Sang Saka #001 for 20 BNB (RM48,325.00) at the time of writing.
(14:55) KonfederasiMY: Is Sang Saka worked on by a few artists?
(18:03) WoodGangNFT: What is your inspiration to make WOOD figures? Why wood anyway?
(25:12) SanuriZulkefli: Please tell us about your fine art and amazing sketches!
(28:53) SanuriZulkefli: The bold use of golden colour within your art, why gold?
(31:19) ArRidhaRazak: The Metaverse, what is it? What are your plans?
(36:20) ArRidhaRazak: Talk to us a bit about your metaverse in OnCyber.
(39:59) @AzyanDraws explains the Metaverse
(43:24) @AmirRozali talks about his recent project: Frame of mind
(46:30) @TariPutriNFT talks about their project to empower women in the NFT industry
(49:23) KonfederasiMY: What was your reaction when someone bought Sang Saka #001 for 20 BNB?
(59:09) WoodGangNFT: Collaborations with Tizzy (TI25AQYAH), how did it come to be?
(66:17) SanuriZulkefli: Can you explain a bit about the descriptions in your artworks? What inspired you to write like this? Any plans to make comic arts?
(73:10) ArRidhaRazak: NFTnostalgic (Seetizens), how did this idea come to be?
(76:41) ArRidhaRazak talks about the fine arts posted in the Pentas profile of @seetizens
(79:29) @Mir__Moein, International Artist from Istanbul shares his project on OpenSea.
(83:21) ArRidhaRazak: You are a qualified architect. What advice/perspective would you like to give to current/upcoming architects?
(88:50) KonfederasiMY: Are there any plans to hire more people into your team?
(96:48) SanuriZulkefli: Any plans to open a private, virtual/physical gallery for your artworks? Do you send/keep your sold artworks?
(103:54) WoodGangNFT: Let's discuss about collectibles. With many other PFP projects coming up in Pentas now, how do you stay ahead of the game?
(110:11) @GuitaPlec talks about their project and commeration with local music
(117:04) ArRidhaRazak sings us a Puisi
Useful Links:
1) Sang Saka #001: https://app.pentas.io/nft/110768
2) WoodGangNFT's Pentas Profile: https://app.pentas.io/user/0x9c38f79e33adEE649b5AF16C3EA4f1e82C15327f
3) Sanuri's Pentas Profile: https://app.pentas.io/user/0x950FEC7e16506E2f3738D95cC20C
4) Seetizens & NFTnostalgic's:
https://app.pentas.io/user/0xbc5564836E823c669d3B574B8C4Db381fA91748c
5) Ar Ridha's Puisi:
https://app.pentas.io/nft/145607
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
*The cover art of this session was drawn by @SanuriZulkefli.
*Music:
Lofi Hip Hopchill Beats - 1 AM Study Session, 2 AM Study Session, 3 AM Study Session
Let's face it: Ethereum, second to Bitcoin, has tons of competitors which are looking to dethrone its rightful place. Charles Hoskinson, a previous co-founder of Ethereum, went on to develop Cardano (ADA), which is now one of the top blockchain networks in the cryptocurrency market. Let's not forget about Solana (SOL), its transactions per second can reach to a cap of about 400,000. Other honorable mentions include Polkadot (DOT) and Polygon (MATIC)
This is the session where we discuss about the blockchain wars. How do each of these blockchain networks tackle the blockchain trilemma (decentralization, security, scalability)? We also talked about the environmental concerns regarding proof of work (mining). Featured speakers within this session: Nando (@Nei_var), Raffiq (@Summerwatchorg), Wirshad (@TheShadspeare) and Harith (@harithk17).
Here are a few timestamps:
(00:00) Introduction
(00:42) Weekly news update (link to slides attached below)
(07:43) What is proof of work? Why is it so controversial?
(14:57) What is Ethereum?
(22:32) How is Cardano (ADA) different from Ethereum?
(32:53) What are smart contracts?
(44:13) Solana (SOL), why is it so interesting?
(51:54) Solana's decetralization. Questionable?
(60:12) Polygon (MATIC), a brief discussion on layer 1 and layer 2 blockchains.
(70:05) ETH2.0, what is the future for Ethereum?
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
Slides for this session (you are free to reproduce, but please give us credit):
https://drive.google.com/file/d/1ulEa3zKXOddEwlcNIMNVmutL6VAx0gat/view?usp=sharing
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session, 2AM Study Session
Afraid of looking at charts? Ever wondered what TA (Technical Analysis) is all about? How about starting with the absolute basics?
In this partial recording, we talk about supports and resistances as well as setting up your account in TradingView. We typically use the daily/4 hr timeframes to have a long term outlook in the markets. We also use the Heikin Ashi indicator because other indicators are more difficult to understand trends.
Access to the full recording is exclusive for our Patreon members only.
Watch the partial recording here:
https://www.youtube.com/watch?v=wbrw-zyF-M8
Join our journey towards financial literacy;
https://www.patreon.com/futuristsMY
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session
Could an artist solely focus on their own works? How do we shill and step up in Twitter spaces?
Let's be honest, the NFT marketplace is extremely competitive. Many talented artists out there are currently struggling on sales and marketing. In this session, we talked about a few strategies, including advertising, passion, consistency and niches. Featured artists include: @AzyanDraws (host), @FuturistsMY (co-host), @Tanah_io, @Sampahkings and @Pamiizmail. Here are a few of the timestamps:
(00:00) Introduction
(06:05) Is it difficult for an artist to focus on his/her artworks solely? Now, they must be educated in markets and analysis. Is this true?
(24:10) The NFT marketplace is a battleground. What strategies do you have in your arsenal? Do you consider other artists as well?
(38:44) How does one shill art?
(68:18) We're currently seeing more creators than collectors, what are your thoughts?
(74:28) Stepping up in Twitter space is difficult. Are there any tips to this?
(88:05) When an artist looks at their own artworks which fail to sell, it is easier to just give up and go back to what they’re comfortable in doing. But how do we push ourselves forward to give it another try?
(106:55) How do we find a niche in the markets?
(119:55) How would you explain NFTs and the blockchain to a newcomer? How do we encourage them to enter this space?
*The cover art of this session was drawn by @Pamiizmail.
*Music:
Lofi Hip Hopchill Beats - 1 AM Study Session
Lofi Hip Hopchill Beats - 2 AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
What's with the recent hype and fad of DOGE and SHIB? How about the massive rug pull of the SQUID token? On 05 Nov'21, from 8.30 pm to 10.00 pm, the Futurists had a really good back and forth discussion on meme coins. Featured speakers include: @Muhdraffiqq, @Coolnkultured and @FarisNishReed (Kmock). Here are a few timestamps:
(00:00) Introduction and recent news (BNB, SOL, etc)
(10:45) Facebook's new METAverse
(15:02) The massive rug pull of SQUID
(23:53) DOGE vs SHIB, a standoff
(34:55) Why do people FOMO so hard into meme coins?
(39:39) What does it mean to look at cryptocurrencies with good fundamentals?
(44:50) Why is the SHIB token so "cheap"?
(50:00) Understanding the importance of market caps and utilizing it
(56:05) Do you see yourself buying into meme coins if Tesla or other big companies begin accepting them?
(61:15) The cryptocurrency fundamental checklist
(69:16) Smart Contract Platforms: Polkadot, Cosmos, Polygon, etc
(73:00) QNA and some technical analysis for week of 05 Nov'21
Useful links and resources:
1) https://www.lookintobitcoin.com/charts/stock-to-flow-model/
2) https://www.washingtonpost.com/world/2021/11/02/squid-game-crypto-rug-pull/
3) https://cointelegraph.com/news/should-zuck-lead-us-to-the-metaverse-crypto-leaders-weigh-in
4) https://yourstory.com/2021/11/dogecoin-shiba-inu-shib-crypto-tokens-blockchain/amp
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*The data used in this session was collected from multiple websites on 05 Nov'21. We do not own any rights to it.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session, 2AM Study Session
Why is a collector motivated to collect a certain art? How do collectibles compete against fine arts? We tackle these questions and more in our sixth lounge session: Collectors and Collectibles. Hosted by Imagishary, this session featured four other guest speakers: @RoachpunkMY, @ChickypunksNFT, @Aceplxx, and @FuturistsMY. Timestamps are provided below:
(00:00) Introduction
(04:12) There's a zoo of collectibles in Pentas right now, will people ever get bored of it? Is it just a hype?
(28:00) Why do we collect art?
(57:59) What kind of challenges are commonly faced when creating a collectible project?
(76:36) Tips and tricks for starting a collectible project
(107:53) Shinji's thoughts on speaking in Twitter spaces
(113:45) Pros and cons of collectibles
(130:30) Pentas School, what is it?
(135:44) Ar Ridha closes the session with another of his legendary pantuns.
*The cover art of this session is drawn by @Imagishary.
*Music:
Lofi Hip Hopchill Beats - 1 AM Study Session
Lofi Hip Hopchill Beats - 2 AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Did you know that the US Dollar was once a physical certificate of ownership towards gold? Foreign countries used to be able to redeem the dollar for physical gold, and vice versa. This lasted until the termination of the Bretton Woods agreement, initiated by President Richard Nixon in 1971. Since that day, the world has changed drastically. Inflation, economic instability, poverty, etc.
In this lounge session, we debated thoroughly on banks, Bitcoin and gold. How could an entity or a group of entities revolutionize the entire monetary system of the world? Is Bitcoin an incorruptible form of money?
Here are a few timestamps:
(00:00) Recent news on the approval of a Bitcoin Futures ETF
(06:27) Why Bitcoin?
(15:10) Why are certain people no longer interested in banks or gold?
(19:58) Decentralization in a nutshell
(21:53) Bitcoin is mostly used for illegal activities. True or false?
(28:00) Cryptocurrencies have no fundamentals. True or false?
(45:57) Are Bitcoin transactions completely anonymous?
(50:10) Bitcoin is too expensive or too late
(54:05) Can the blockchain technology eliminate the need for banks/third parties?
(69:30) Bitcoin reached a new all time high, what now?
(80:35) Thoughts on XRP
(95:35) Environmental issues with Bitcoin versus gold
(107:18) Technical Analysis for week of 22 Oct'21
(116:56) QNA
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*The data used in this session was collected from multiple websites on 22 Oct'21. We do not own any rights to it.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session, 2AM Study Session
In our fifth Tanah Tumpahnya NFTku Twitter Space session, we discussed about connections and emotions. Along with the guest hosts: Addyspacer, AzyanDraws, Imagishary and Lakarumbi, we shared our thoughts on what many artists are facing right now. Some of the interesting topics include the importance of having a healthy mindset and market analysis for NFTs.
Here are some of the timestamps:
(00:00) Introduction
(04:40) How do you create your work? Do you connect your work with your viewers?
(15:39) What's stopping you from following the trend towards making collectibles?
(33:32) Do you feel emotions when you work on your art? If so, do you control those emotions or let them flow freely?
(49:23) How do you get inspirations on what you create? Do you take any references from the outside world?
(71:55) Is it important to have a good mindset when making art?
(87:40) It's difficult to be an artist now, do you have any advice for artists out there?
(104:57) Market analysis for NFTs
(107:27) SWOT analysis
*The cover art of this session is fully rendered by Addyspacer.
*Music:
Lofi Hip Hopchill Beats - 1 AM Study Session
Lofi Hip Hopchill Beats - 2 AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
In our most exciting and insightful lounge session, we dove deep into cryptocurrencies, the blockchain, and more. Along with the Pentas core team, Irsyad Saidin (@isyirsyad), Marish Molah (@iAmM0rpheu5) and Izzan Zinol (@jancoca), we debated about the origins of Bitcoin and Ethereum, with its respective use cases and limitations. Other key speakers include Faris (@kmock), Wirshad (@TheShadspeare) and Yu Liang (@Im_YuLiang). Here are the timestamps and funny moments:
(00:00) Introduction, recent news and events
(02:37) Origins of Bitcoin (whitepaper, history, Satoshi Nakamoto, etc)
(06:28) Decentralization in the blockchain (Miners, definition, etc)
(11:50) Explaining the blockchain technology to a 5 year old. How?
(17:18) Is Bitcoin the same as Ethereum (Obviously no, but why?)
(26:55) Key differences between Bitcoin and Ethereum
(29:35) Is it possible for Bitcoin to overtake Ethereum in the long run?
(33:41) Bitcoin versus Ethereum
(39:40) XRP and DOGE to $1000? Possible? (Spoilers it's not)
(46:00) What are stablecoins?
(54:50) Inflation, Bitcoin and the early days of the internet
(62:20) Too late to invest in cryptocurrencies?
(67:37) So why is Bitcoin still king of all cryptos?
(74:23) The halving event, what is it?
(81:05) Why 21 million Bitcoin?
(82:18) Zero point zero-zero-zeruh-zeroh-zeru...
(83:15) What if Satoshi Nakamoto decide to reveal their real identities?
(86:15) Technical Analysis from professional trader Yu Liang (@Im_YuLiang)
(96:00) Fear and greed index, what is it?
(98:10) Closing thoughts
(101:20) Dollar Cost Averaging
Articles and references used within this session:
1) https://cointelegraph.com/news/bitcoin-moves-past-48k-as-facebook-instagram-and-whatsapp-go-down
2) https://cointelegraph.com/news/gensler-confirms-sec-won-t-ban-crypto-but-congress-could
3)https://timesofindia.indiatimes.com/business/cryptocurrency/bitcoin/cryptocurrency-platform-coinswitch-kube-raises-260-million-valued-at-1-9-billion/articleshow/86805635.cms
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*The data used in this session is collected from multiple websites on 08 Oct'21. We do not own any rights to it.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session, 2AM Study Session
Investing can be daunting. We must do tons of research and analysis before placing our money into an asset. This lounge session will equip you with the basics of investing. Obviously investing takes way more time and analysis, but we decided to just touch on some key techniques, including Dollar Cost Averaging and Lump Sum.
Here are the important timestamps:
(00:00) Welcome and contents
(02:23) What is a bull market?
(03:47) What is a bear market?
(05:00) The scary scenario of the 2017 - 2018 Bear Market (BTC dropped from $20,000 to $3,000 in the span of a year).
(06:25) Investing strategies: Lump Sum and DCA
(07:20) Pros and Cons of Lump Sum method
(09:37) Pros and Cons of Dollar Cost Averaging
(11:56) My investment strategy towards cryptocurrencies
(14:01) Compounding interests for passive income (Google search CAGR calculator for the formula)
Example given during presentation, staking 3000 ADA at 5% APY (compounding interest):
After 5 years: 3828.84 ADA (Interest earned = 828.84 ADA)
After 10 years: 4886.68 ADA (Interest earned = 1886.68 ADA)
Join our journey towards financial literacy:
https://www.patreon.com/futuristsMY
Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*The data used in this session is collected from multiple websites on 08 Sept'21. We do not own any rights to it.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session
In our fourth Tanah Tumpahnya NFTku Twitter Space session, we discussed on how to create value in NFTs. It was an amazing session which drew audience from all around the world (United States, Thailand, Indonesia, Vietnam, etc). Along with featured artists Amiwabisabi, Seetizens, NFTnostalgic and Shosabishi, we debated about the importance of value in NFTs. We also gave our own perspectives about hype and FOMO.
Here are some of the timestamps:
(00:00) Welcome & Introduction
(07:38) What do you look for when you buy NFTs?
(31:55) How do we add value to what we're creating? Plus some thoughts on Cryptopunks.
(55:38) What are the other use cases of NFTs? Is it limited to JPEGs for now?
(79:15) International Artist Chambo talks about the significance of timestamps in NFTs.
(87:05) A deep dive into HYPE and FOMO. What if the hype for your NFTs die down?
(119:45) The importance of passion. What if your works don't sell?
(122:20) Pentas CEO Irsyad Saidin weighs in his thoughts on advocating other artists and building a strong community.
(138:08) Ar Ridha closes this legendary session with his original poem. The poem is minted into an NFT and is for sale at each of the featured artist's Pentas profile.
(142:01) Wrap up, conclusion.
*Music:
Lofi Hip Hopchill Beats - 1 AM Study Session
Lofi Hip Hopchill Beats - 2 AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
You've probably heard people say: "Cryptocurrencies have no fundamentals because there are no cash flows, P/E ratios, etc."
Well, they are fundamentally wrong and our analysis will prove that. It includes a checklist of five different steps to help you analyze a particular cryptocurrency and give you a better opinion on whether you should buy/sell/hodl it. We also gave our opinions on how to make your own price predictions. Here are some of the timestamps:
1) (00:00) Intro
2) (02:15) Who are you in the markets? Are you a trader or an investor?
3) (07:10) The Futurists' Cryptocurrency Fundamental Checklist
4) (09:45) Avalanche (AVAX) example analysis, based on the fundamental checklist
5) (16:30) Making your own price predictions
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Find us at Twitter, Instagram, Pentas io and Opensea: @FuturistsMY
*The data used in this session is collected from multiple websites on 01 Sept'21. We do not own any rights to it.
*This podcast is not financial advice. It is used for entertainment purposes only. We are not financial/legal advisors.
*Music Credits: Lofi Hiphop Chill Beats - 1 AM Study Session
In our second Tanah Tumpahnya NFTku Twitter Space session, we debated extensively about art and passion within NFTs. Along with featured artists AzyanDraws, Imagishary, Seetizens, FuturistsMY and NFTnostalgic, we gave our opinions on how to have a real drive and confidence towards your art.
Here are the topics with the timestamps:
1) Intro (00:00)
2) How do you maintain your passion as an artist? (05:20)
3) What is the best/most annoying thing about minting NFTs? (23:30)
4) How do you gain confidence over your works? (44:45)
5) What if your art does not sell? (62:30)
6) How exactly does one price NFTs? (90:40)
7) Ar Ridha's orginal pantun (114:10)
8) Wrap up, conclusion, giveaway (115:30)
Music Credits:
Lofi Hiphop Chill Beats - 1 AM Study Session
Lofi Hiphop Chill Beats - 2 AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
In our first ever Tanah Tumpahnya NFTku Twitter Space session, we talked extensively about the past and future of NFTs. Along with featured artists Ar Ridha Razak (Seetizens), Afiq (NFTnostalgic), and Nabil (MalaysiaPunks), we explained what NFTs are and how they are here to stay.
We also shared our thoughts on what are the best/better platforms to sell NFTs. We discussed about how to market NFTs, create FOMO and maintain a strong brand.
In the middle of the session, Ar Ridha Razak also gave us a quick pantun, with the caption as follows (84:30):
Sungguh indah, Jurnal suara,
Patun dibuat, cantik sekali,
Pentas NFT tempat kita,
Plan your future, make it beauty.
The CEO of Pentas, Irsyad Saidin shared his insights on NFTs (119:00). He also gave us an inspiring quote: "If you want to go fast, go alone. If you want to go far, go together."
Finally, to close off our third session, Ar Ridha Razak sang us one of his syair (128:45).
*Music - Lofi Hiphop Chill Beats - 1AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY
In our third Tanah Tumpahnya NFTku Twitter Space session, we talked extensively about Tradition and Culture. Along with featured artists Shefaa, Imagishary, Tigerpunks and AzyanDraws, we tackled the importance of preserving culture and the debate on technology overcoming tradition.
Another topic we ventured into is writing. We discussed about how descriptions play a vital role in an art. We also shared our opinions on how to write better with a structure and direction.
Finally, to close off our third session, Ar Ridha Razak gave us one of his iconic pantuns. The caption for the pantun is as follows:
Writing is the torchlight to brighten the dark,
Wisdom in writing to expose your intention,
Practice makes perfect will turn on your spark,
We promise your Art will glow its expansion.
Jagalah ibu jagalah bapa,
Hormat semua berseni bersama,
Tradisi seni jangan dilupa,
Gabunglah penulisan dengan NFT kita.
- Ar Ridha Razak
*Music: Lofi hip hopchill beats - 1 AM Study Session
Join us in our journey towards financial literacy:
https://www.patreon.com/futuristsMY