The Futurizts Podcast

por Shinji Ong

Temporada 1

F0144: 5 Money Lessons That’ll Change How You Think About Wealth

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.

T1 · E44

28 oct 2025

42:17

F0143: A Simcard of Gold is Now RM510. What’s Happening — and Is It Too Late to Invest? (With Hann Liew & Sani Hamid)

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.

T1 · E43

30 sept 2025

1:06:59

F0142: Should You Still Buy Gold Or Bitcoin? Plus Answers To Your Top Questions!

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.

T1 · E42

16 sept 2025

50:10

F0141: Stonks to Watch NOW! Investment Analyst Azharuddin Shares His Stock List! 🚀

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.

T1 · E41

15 jul 2025

1:01:36

F0140: Your Top Money Questions Answered - Savings Tips, Insurance, Stocks, SST & More!

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.

T1 · E40

30 jun 2025

57:32

F0139: SST Increase - Are You Ready For Another Price Hike? (With Hann Liew)

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.

T1 · E39

17 jun 2025

1:04:52

F0138: RinggitPlus CEO - 7 in 10 Malaysians Save Less Than RM500 A Month! The Stats Are Worrying!

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

T1 · E38

15 abr 2025

1:02:01

F0137: Why Trump's Tariffs Will Negatively Impact Malaysia and Its Citizens (With Experts Hann and Sani)

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.

T1 · E37

9 abr 2025

1:23:23

F0136: Overworked & Underappreciated - Why Doctors Are Leaving Malaysia

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

T1 · E36

30 mar 2025

54:40

F0135: MrMoneyTV - Hitting RM1 million in EPF is NOT as hard as you think! But...

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.

T1 · E35

17 mar 2025

1:16:30

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