Zer Bin
@zerbinsiew
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Following
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Anything from personal finance to investment & business. God first. 🇲🇾
Malaysia
Joined September 2020
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Pinned Tweet
We need yen carry trade to unwind for the next bull market rip!
Bank of Japan and Federal Reserve often coordinate monetary policies complementing each other, especially in times of economic stress.
Other than Bank of Japan, the Bank of Canada, England, ECB, Swiss are also in
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How would it feel to have your husband/father, politically assassinated, demonized, jailed & separated from your family? When they could've given up, they took on the unrewarding fight, scorned and mocked by all. This is our PM, Anwar Ibrahim's family, Wan Azizah and Nurul Izzah
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@spectatorindex
With an interest rate of 3%, and inflation rate around 2%, despite weakening currency against USD, I would say we are holding up pretty well.
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@SawyerMerritt
@Tesla
@xai
@boringcompany
Elon has grown Tesla revenue by over 3300% while founding and growing SpaceX, Starlink, Neuralink, the Boring company.
And haters say Elon is distracted with X and doesn't deserve the compensation plan.
If a "distracted" Elon is what it takes to grow 3300%, keep the man
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@spectatorindex
We own 3 of the top 25 tallest towers in the world,
Merdeka 118, Petronas Twin Towers and Exchange 106, don't ask me why..
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Leader for the people, Anwar Ibrahim, 10th Prime Minister of Malaysia
"I've learned a lot in life, I have no regrets,
(If I get out) the young continue to suffer so I tried to endure,
Crazy as I am, I thought it was the right decision"
#PM10malaysia
#DSAI
#PM10
@anwaribrahim
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@spectatorindex
With the likes of Amazon $6B, Microsoft $2.2B, and Google $2B announcing investment plan for data centres in Malaysia and more to come
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@KobeissiLetter
The Fed Since 2020 (in reverse)
1. Mar 2020: Inflation will be a problem
2. Jan 2021: Inflation is not “transitory”
3. Sept 2021: Interest rates will rise until 2024
4. Jan 2022: Recession is not needed to lower inflation
5. Dec 2022: Disinflation has not begun
6. Feb 2023:
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@anwaribrahim
Global inflation stands at 5.8%.
Compared to neighbouring ASEAN countries, Malaysia is still relatively low
Singapore 3.1%
Indonesia 3%
Vietnam 3.7%
>Malaysia 2%
Thailand 0.2%
Travelling around the region, you would have felt that common day to day goods have a higher price
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@pemikirmsia
Finance is the biggest enabler for all the roadmaps developed.
The business case for Malaysia is more solid than ever.
Now is the time to pitch aggressively and attract global investors.
It was a bold and strategic move. PMX is putting Malaysia on the map again after many
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@SyedSaddiq
Zahid Hamidi granted DNAA, and MUDA leaving, is this surprising?
Part of the reform agenda is to have separation of power in judiciary, legislative and executive.
When you did not vote enough candidates from your party to have enough seats, the only choice to remain in power is
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@DailyDarkWeb
Don't fall for this gimmick, the data is encrypted, it is not stored in this format.
Plus all that just for $18K??
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@SyedSaddiq
This has been
@SyedSaddiq
biggest dilemma in Unity Government since Day 1.
Finally triggered the move after Zahid Hamidi's DNAA.
Being in Unity Gov,
1. He has no position in cabinet, unable to implement changes from within.
2. Being the only representative for MUDA and
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@anwaribrahim
Way to go PMX, aggressively developing the future of Malaysia,
here's more info about Pelan Hala Tuju Peralihan Tenaga Negara/National Energy Transition Roadmap
The largest growth industry for the next few decades in Malaysia is going to be energy transition.
Have you heard of NETR yet?
NETR, the National Energy Transition Roadmap details out the strategic projects and levers to accelerate Malaysia’s energy transition efforts. The plan
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@Rainmaker1973
Not a fair comparison.
You are cherry-picking 1 out of 12 rounds in a battle where a dancer has to strategize scoring points on music while keeping arsenals for specific moments,
VS
One exhibition round where the dancer gave everything he has to impress.
Breaking is a dance.
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@malaymail
First Public, now Maybank, the rest have no choice but to follow or lose market share.
E-payments will drive velocity of money(rate where money is spent) due to fewer barriers to transactions.
Establishing the right incentives is important to drive
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@malaysiakini
Reasonable salary requires reasonable skillsets and demand.
Upskilling is one of the ways to increase value. Prioritising the local workforce over foreign workforce will help.
Otherwise, forcing salary increases alone will just cause a ripple effect of inflation all across, or
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@pakpakchicken
First time ever, we hear Japan wrecking the markets. It makes no sense.
The anticipation is that the market will rally once rate cuts are here. Because everyone can't wait to buy into risk assets when interest is low. No one would hold bonds.
But for that to happen, the
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@hannahyeoh
Innocent until proven guilty. Unfortunately, Malaysians are quick to jump on the smear campaign, and it doesn't even matter to them even if proven otherwise. All it takes is to create the narrative and repeat it forever to discredit everything you have done. Keep doing your best,
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@Rashidaaah
@khalidahk
Thank you so much for doing this! I don't have much but can I sponsor a small amount for the flight ticket please?
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The largest growth industry for the next few decades in Malaysia is going to be energy transition.
Have you heard of NETR yet?
NETR, the National Energy Transition Roadmap details out the strategic projects and levers to accelerate Malaysia’s energy transition efforts. The plan
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@MuazMohd94
@anwaribrahim
Look at where we have arrived, really proud of this, for the first in the longest time, there is a transparent platform for young malaysians to ask direct questions to the PM and with a PM whom is willing to spend time to listen and address the concerns!
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@anwaribrahim
With a bodyguard looking like that, PMX can go anywhere and get the job done without worry. 😎
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@NewsBFM
GST is the right tax system to adopt.
Start small, say 3% and increase progressively.
SST was a populist move. It allows more loopholes than GST.
Implement GST, plug the leakages, it will surely help narrow the gap.
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@NewsBFM
What KPI? We have the most foreign tourists in ASEAN only because of Singapore, but our revenue generated per tourist is the least in ASEAN!
Malaysian Ringgit (MYR) drops to its lowest since 1998 against to USD at the rate of 1 USD-4.80 MYR.
Many say a weaker currency is good to boost tourism. How has Malaysia performed actually in the tourism sector?
In terms of foreign visitors, Malaysia tops the chart in ASEAN.
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@thevibesnews
First cut of the cabinet feels more like "sailing the ship".
Second cut of the cabinet should be steering and accelerating in the right direction.
The announcement of this new cabinet will send a clear signal on 2 areas,
1. Investors on commitment to execute the strategies and
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@MelGohCNA
Why
@SyedSaddiq
has no choice but to leave
@pakatanharapan_
Unity Government?
Some background,
To form unity government, PH has to compromise and work with UMNO. The moment this happened, PH has no choice but to come to the center, and can no longer play their strong left wing
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@TheFuturizts
We should take the hit short term in currency to spur domestic growth.
1. Spur tourism
Lower currency makes Malaysia a more popular tourist destination, further boosting GDP growth.
2. Spur exports
More attractive ringgit also means cheaper goods or commodities to export.
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@MarioNawfal
Elon has grown Tesla revenue by over 3300% while founding and growing SpaceX, Starlink, Neuralink, the Boring company.
And haters say Elon is distracted with X and doesn't deserve the compensation plan.
If a "distracted" Elon is what it takes to grow 3300%, keep the man
3
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@tzafrul_aziz
Many are asking MITI to stop investing in EV and focus on public transport are barking on the wrong tree.
Public transport is Ministry of Transport's mandate.
MITI is responsible to attract investment and grow the industries.
Electrification is coming
10,000 EV technician diperlukan within this 2 yrs.
Kerajaan jangkakan in 2030-2035 70% cars on the road adalah EV. Ada satu program bawah Madani 7hari amali 1hari ujian sedang dijalankn. Fully sponsored(RM7000). Cert IMI LVL3 EV Technician UK(laku diluar).
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1K
1K
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@SyedSaddiq
Why
@SyedSaddiq
has no choice but to leave
@pakatanharapan_
Unity Government?
Some background,
To form unity government, PH has to compromise and work with UMNO. The moment this happened, PH has no choice but to come to the center, and can no longer play their strong left wing
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@depressfanmyra
Whoever compromises first will be one step closer to their objective. It's not about a game of ideals but its about how close can we get to our final destination now. Tough choice to choose the lesser evil.
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@anwaribrahim
ADIA and Mubadala combined has an asset under management worth 1 trillion USD.
This visit is strategic to accelerate NETR and NIMP2030 as finance is a key enabler for both plans.
Malaysia once again is proven to be a high potential investment location.
The largest growth industry for the next few decades in Malaysia is going to be energy transition.
Have you heard of NETR yet?
NETR, the National Energy Transition Roadmap details out the strategic projects and levers to accelerate Malaysia’s energy transition efforts. The plan
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Should financial freedom be a goal?
Because if your goal is financial freedom, then you will be working for money.
But if your goal is to be valuable and provide value to others. Then, the byproduct will be financial freedom.
You will then work for yourself and add value to
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@NewsBFM
This absolutely affirms my point. We are not doing enough with tourism!
Malaysian Ringgit (MYR) drops to its lowest since 1998 against to USD at the rate of 1 USD-4.80 MYR.
Many say a weaker currency is good to boost tourism. How has Malaysia performed actually in the tourism sector?
In terms of foreign visitors, Malaysia tops the chart in ASEAN.
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@anwaribrahim
Malaysia is one of the few countries in the world that experiences inflation of less than 3%. See the map from IMF below.
Without subsidies, Malaysia could have experienced even higher inflation above 6%.
The economic situation we faced today is unlike the past few years,
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@Jaesais
@SawyerMerritt
@Tesla
@xai
@boringcompany
In fact, all these arguments on his compensation plan have only to do with one thing only, which is Tesla stock price.
If $TSLA is at $300, everyone would vote yes without batting an eye. No one will be talking about his "side hustles".
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Malaysian Ringgit (MYR) drops to its lowest since 1998 against to USD at the rate of 1 USD-4.80 MYR.
Many say a weaker currency is good to boost tourism. How has Malaysia performed actually in the tourism sector?
In terms of foreign visitors, Malaysia tops the chart in ASEAN.
1
13
23
@NewsBFM
To strengthen the ringgit, ringgit needs to be in high demand compared to other currencies.
Higher demand drives price up, same case for currencies.
Some key factors that affect exchange rate are,
1. Inflation
A country with higher inflation rate means, the value of their
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@501Awani
Why
@SyedSaddiq
has no choice but to leave
@pakatanharapan_
Unity Government?
Some background,
To form unity government, PH has to compromise and work with UMNO. The moment this happened, PH has no choice but to come to the center, and can no longer play their strong left wing
4
6
23
@anwaribrahim
Energy transition will be Malaysia's largest FDI in the next decades.
Check out my quick bites on NETR.
The largest growth industry for the next few decades in Malaysia is going to be energy transition.
Have you heard of NETR yet?
NETR, the National Energy Transition Roadmap details out the strategic projects and levers to accelerate Malaysia’s energy transition efforts. The plan
2
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0
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@hannahyeoh
@KBSMalaysia
Mungkin sebelum insiden ini, ada lagi banyak yang terlepas semakan.
Namun, disebabkan transparency cara kes ini dikendalikan, pemohon yang cuba menipu system di masa depan akan makin kurang dan proses pengesahan pemohon pasti lagi ketat.
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@NewsBFM
EVs and charging infrastructure is a chicken and egg thing.
Both has to come in parallel to support NETR's ambition.
Without enough chargers, you can't have too many EVs on the road. Without enough EVs, you can't build too many chargers profitably.
The largest growth industry for the next few decades in Malaysia is going to be energy transition.
Have you heard of NETR yet?
NETR, the National Energy Transition Roadmap details out the strategic projects and levers to accelerate Malaysia’s energy transition efforts. The plan
2
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55
0
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@spectatorindex
Some key drivers for Malaysia's high GDP growth,
1. Semiconductor
Malaysia is a manufacturing hub for integrated circuits (ICs), microchips, and semiconductor devices as well as advanced packaging and testing services for the global market. To name a few, there are Intel,
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@ThierryBreton
@DigitalEU
@EU_Growth
Derisking from China will mean taking a hit financially with higher capex, lower cash flow, and lower profits.
Investments in green/brown field projects, supply chain and logistics development, and development of skilled workforce take time to develop. Quality in the early phase
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@AgatheDemarais
Derisking from China will mean taking a hit financially with higher capex, lower cash flow, and lower profits.
Investments in green/brown field projects, supply chain and logistics development, and development of skilled workforce take time to develop. Quality in the early phase
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Maximize your credit card spending through cashbacks and collection of points!
Checkout my credit card strategy for 2024, follow if you like more tips like this!
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@Pelabur_Bijak
Don't fall for this gimmick, the data is encrypted, it is not stored in this format.
Plus all that for $18K?? I think they can do a better job on creating the narrarive.
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What KPI? We have the most foreign tourists in ASEAN only because of Singapore, but our revenue generated per tourist is the least in ASEAN.
There's no point having so many tourists, but we have nothing much to sell them.
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@anwaribrahim
What kind of jobs can data centres create other than building the infrastructure?
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Recently, I bought a secondhand car.
My mom told me, drive this for 2 more years, then you should get an EV.
I asked her why?
She said because EV is the future.
Even my mom understands this.
Electrification is inevitable, it is moving faster than you think.
Adapt or die.
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@jspujji
Breaking down running billion dollar companies to 4 simple steps
1. Strategy
- Define the strategy and plan on what, when, and how to achieve.
2. Execution
- Define how you are going to execute it, projects, structures, roles, timelines.
3. Governance
Set up systems to make
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@yapxiang
In terms of number of tourists, yes, mainly contributed by Singaporeans, which made up about 30% of our numbers. Our tourists are mainly from ASEAN countries.
But in terms of revenue, we are not no.1. We have a lot to offer but could have done better to translate into
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@TheFuturizts
Rize is killing it.
Best rates in the market.
Instant transfer in and out.
Quick approval. Easy interface.
Their debit card onboarding package is spot on too.
@alrajhibank
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@RnaudBertrand
Derisking from China will mean taking a hit financially with higher capex, lower cash flow, and lower profits.
Investments in green/brown field projects, supply chain and logistics development, and development of skilled workforce take time to develop. Quality in the early phase
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I've been looking into money market funds for my cash and here's why I think GO+ from Touch n Go ewallet is the best in the market right now
@MyTouchnGo
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China Plus One Strategy, what is it and how it impacts Malaysia?
China +1 is an operation diversification strategy whereby companies expand to countries outside of China, preferably those with lower labor and production cost.
Main drivers of this strategy are,
1. Increase trade
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Hackers hacked into hotels' accounts on and used the in-app messaging feature for phishing. It was so convincing that I nearly became a victim.
#bookingcom
#phishing
#scam
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@TheFuturizts
At the stage of fresh grad or the early years of your career, you should maximise your learnings.
Remove money out of the conversation and look for areas where you can have the steepest learning curve, both in hard and soft skills, where the latter has more importance.
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@ibrahimsaninet
@anwaribrahim
This is the man that is going to put Malaysia on the map again.
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@SyedSaddiq
The only relevant move for MUDA to ensure their survival. Since they have no relevancy in the cabinet, it only make sense for them to play in the left and leave the PH alliance.
If they stay, they will be a hypocrite.
If they leave, they can garner more supporters esp from PH
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@NasrudinFaqrul
Well written. Potential is already there. There is no way around it other than making it work.
The longer we delay, the more we bleed
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@KobeissiLetter
Markets are down globally. What happened?
Experts will attempt to explain what triggered the drop.
In the market, there is always someone benefiting.
Headline news and explanations serves to make people feel better that their wealth just got transferred to market makers.
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@The_AI_Investor
Easy to judge from the rearview mirror. $TSLA and $NVDA is a unicorn type of story.
Buffet holds on to his investing concept, which has consistently outperformed over decades and numerous cycles!
It's easy to cherry-pick special cases, but no one has managed to outperform with
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@NST_Online
Exact same behaviour during Kerajaan Gagal era, derhaka YDPA, terminate Darurat sesuka hati without going through YDPA, he wants only his own conditions and is willing to do whatever it takes!
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Why do we see recession and inflation at the same time?
Here’s a thread on supply side recession and demand side recession.
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@JonErlichman
Elon has grown Tesla revenue by over 3300% while founding and growing SpaceX, Starlink, Neuralink, the Boring company.
And haters say Elon is distracted with X and doesn't deserve the compensation plan.
If a "distracted" Elon is what it takes to grow 3300%, keep the man
0
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@KobeissiLetter
Feds will cut rates and inject massive liquidity.
Meanwhile, a weak dollar will give ECB and China opportunities to print.
Markets will be volatile, but not tank. It will rip instead because liquidity will be flooded everywhere.
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@Micro2Macr0
If you can choose only one from SoFi, Paypal and Square, which one would you choose?
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Malaysia Q2 GDP expanded by 5.9% beating expectation of 5.8%!
This achievement also reflects Malaysia leading our region as one of the fastest growth country,
Indonesia 5.1%
Singapore 2.9%
Thailand 2.1% forecast*
Vietnam 6.9%
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@Teslaconomics
Elon has grown Tesla revenue by over 3300% while founding and growing SpaceX, Starlink, Neuralink, the Boring company.
And haters say Elon is distracted with X and doesn't deserve the compensation plan.
If a "distracted" Elon is what it takes to grow 3300%, keep the man
1
1
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@MarioNawfal
What a disgrace to breaking. There are many more well deserving breakdancers who deserve the time on stage. This person is an obvious troll.
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GE13-BN lost popular vote
GE14-First change in ruling political party after 61 years
GE15-Let us write history once again
No matter the result tomorrow, at least we did our part for a better Malaysia
Lawan tetap lawan, lawan sampai menang
God bless Malaysia
#KitaBoleh
#GE15
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@surayaror
How to buy insurance quick summary,
1. Get medical and critical illness
2. Get minimal sustainability (around 25 years)
3. Constant review every 2-3 years to keep up with the latest insurance package
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Forget about New Year Resolutions, develop systems instead to achieve your goals. Here are the 6 steps you need for a successful year,
1. Identify the main areas in your life
These have to be areas you want to develop yourself in, e.g., personal health, self-improvement, family
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@TheFuturizts
Weaker currency is not necessarily a bad thing. There are a lot that ministers and businessmen can do to leverage this situation, which is happening now.
We either increase rates to tame inflation or keep rates low to boost GDP.
Today, Malaysia's inflation rate is still
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3
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Not a single doubt Anwar Ibrahim will be a good PM that will perform.
But to do a good job and to convince the people you are doing a good job is a different story.
Hope he excels in both.
#DSAIPM10
#MalaysiaMemilih
#DSAI
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Screen time takes away our time to think. Lesser thinking time makes us prone to following the flow instead of driving towards our own direction.
"The reason people get good ideas in the shower is because it's the only time during the day when most people are away from screens
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@ameliath
@anwaribrahim
The transparency and openness is really groundbreaking for malaysia politics!
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@anwaribrahim
Since 2021, companies have been accelerating their operations diversification, also known as the China Plus One strategy.
PMX has set Malaysia on the global stage through his recent bold and strategic speech in UNGA.
With the boost in investor's
China Plus One Strategy, what is it and how it impacts Malaysia?
China +1 is an operation diversification strategy whereby companies expand to countries outside of China, preferably those with lower labor and production cost.
Main drivers of this strategy are,
1. Increase trade
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@NewsBFM
Malaysia, one of the few countries in the world that experiences inflation of less than 3%. See the map from IMF below.
The economic situation we faced today is unlike the past few years, especially coming out of Covid, money printing from US, and from
0
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Here are my top 3 areas in NETR, where Malaysians can participate in this tailwind and benefit from it.
1. Energy Efficiency
Driver: Forthcoming Energy Efficiency and Conservative Act (EECA) bill. Green building certified projects in Malaysia are less than 1000 today.
a.
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From "fake it 'til you make it" to "be yourself," the workplace is full of conflicting advice. These 7 key points will help you cut through the noise and find success without compromising your integrity.
1
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Many are asking MITI to stop investing in EV and focus on public transport are barking on the wrong tree.
Public transport is Ministry of Transport's mandate.
Attracting investment and growing the industries is MITI's mandate.
Electrification is coming faster than you expect,
Pusat Tesla dah dibuka di Malaysia. What’s next?
Apakah langkah seterusnya untuk industri EV selepas kemasukan Tesla ke Malaysia?
#Tesla
#TeslaMalaysia
#EV
#TZA
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@pakpakchicken
Chicken, is there any concern/risk if Kamala Harris win the election? Will the narrative change?
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We have two lives, and the second begins when we realize we only have one.
0
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HSR will be a game changer.
To develop the economy we need to spend.
Spending on the right projects that will yield good ROI will be beneficial to all.
One of the biggest mistakes the previous PH gov did was too much saving and not enough spending.
Connecting this 2 mega
KL-SG HSR is economically feasible. Period.
You’re literally connecting two richest cities in Southeast Asia with 15 million people combined.
🧵
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@pakpakchicken
Both heavily manipulated by whales. They both have access to your set buys and sells. In short term, you are trading against them.
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Smart move by Public Bank, seeing this as an opportunity to gain market share.
E-payments will drive velocity of money(rate where money is spent) due to fewer barriers to transactions.
Establishing the right incentives is important to drive adoption.
0
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@Jurutewitter
I am supportive of HSR, rail is definitely great and will generate positive cashflow in future for us.
Let me know as rakyat of 🇲🇾, how can I decide on approval and cancellation of HSR?
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@amerhadiazmi
The moment when PH does not have enough seats and have to compromise to be in power, we should already foresee this day will come. Unity government in nature could not function on the same ideological grounds, it is a way of compromise to run the nation. As such the main focus
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My top 5 lessons learned in 2022
1/ Prioritise Health
Without health, you won't be able to accelerate progress in life. It's better to take a slower pace or pause to fix health then accelerate, than trying to achieve both life progress and fixing your health at the same time.
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Loi Tuan Ee, founder of Farm Fresh, at 42, was making half a million a year, decided to quit his job to start agriculture business.
In comparison to Tech and IT, milking cows could be one of the most unsexy businesses for any aspiring entrepreneur.
First, it’s hard to raise
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