The Futurizts Podcast

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/ [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.

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 [https://x.com/ooihann] Follow Sani Hamid: https://x.com/sanihamid [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/ [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.

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/ [https://futuriztsmembership.wasap.my/] Watch the full video with timestamps on YouTube: https://youtu.be/vp7SWXRJzKg [https://youtu.be/vp7SWXRJzKg] Links and Resources: * Sign up using “THEFUTURIZTS” for Versa Gold: https://versa.com.my/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 [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.

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

Last Monday (July 7), Donald Trump announced [https://www.scmp.com/week-asia/economics/article/3317324/malaysia-seeks-urgent-trade-talks-us-after-25-tariff-blow] a 25% tariff on all Malaysian products entering the US, effective August 1. The letter, [https://theedgemalaysia.com/node/761722] 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 [https://lu.ma/6l9725r2] Join Our WhatsApp Group: https://futuriztsmembership.wasap.my/ [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.

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

Watch the video on YouTube: https://youtu.be/tfBnfBWa87k [https://youtu.be/tfBnfBWa87k] Links & Resources: i) Join Our WhatsApp Group: https://futuriztsmembership.wasap.my/ [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== [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 [https://thefuturizts.beehiiv.com/p/start-investing-us-market-f0d7] iv) Preparing for SST Increase: https://open.spotify.com/episode/0rHPNDYnFavIppjZrfgkDi?si=84552e87aa8e4cac [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.