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Licensed Unit Trust Consultant for Eastspring Investments.

13 years · RM 25 million AUM · 400+ Malaysian client accounts

I help Malaysian professionals in their 30s to 50s build portfolios that survive macro reality — combining global macro context, chart analysis, and Eastspring’s fund range.

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Visual Story · Regular Investing · 1 card

Never Depend on a Single Income

One salary is one tap, and someone else owns the handle. RM300 a month for twenty years builds a second one — RM176,706 in the tank, RM736 a month coming out.

9 Sep 20262 min
Visual Story · Investor Psychology · 13 cards

Rich Dad, Broken Compass

Kiyosaki's book changed how I think about money. Then he called a crash 19 times in 15 years while the S&P 500 rose 478%. Thirteen cards on what to keep and what to drop.

5 Sep 20263 min
Visual Story · Malaysia · Investing 101 · 14 cards

Unit Trust vs Fixed Deposit

Put RM10,000 in a fixed deposit for twenty years and it buys what RM8,811 buys today. Fourteen cards on where your money should actually sit — including when the FD is the right answer.

3 Sep 20263 min
Visual Story · Compound Interest · 14 cards

The Rabbit Beat the Tortoise

One man saved for ten years and stopped. The other saved for thirty-three. The one who did less finished RM318,806 ahead — and there is one number that flips the whole result.

3 Sep 20263 min
Visual Story · AI & Crypto · 11 cards

The Toll Booth Problem

AI agents really are paying each other, millions of times a month. Solana earned about US$18,850 from 75.4 million of those payments. Eleven cards, swipe it.

2 Sep 20262 min
Visual Story · When Your Fund Falls · 11 cards

Why Invest During a Market Drop?

Your fund fell 15%. Should you top up? What RM10,000 really does after the fee, if prices recover and if they keep falling — and three questions to ask first. Eleven cards.

1 Sep 20263 min
Merdeka ke-69 · Kad Ucapan

Negara Dah Merdeka 69 Tahun. Bila Pula Giliran Kewangan Korang?

Malaysia got its freedom 69 years ago — how about your financial freedom? Merdeka kewangan bukan maksudnya kaya. Dua kad, dua bahasa.

31 Ogos 202630 saat
Visual Story · The DCA Study · 10 cards

I Tried to Beat the Market

Twenty-seven clever ideas, four studies, and two data bugs I found in my own work. Everything that failed — and the one simple thing that did not. Ten cards, swipe it.

30 Aug 20262 min
Visual Story · Investing 101 · 7 cards

Count Units, Not Ringgit

Your account value goes up and down. Your unit count only ever goes one way. Seven cards, ninety seconds — swipe it.

28 Aug 202690 sec
Visual Story · Long-Term Evidence · 4 cards

The Nasdaq 100, Forty Years In

Thirty-three good years, seven bad ones, and the fifteen years it took to undo the worst of them. Four cards, swipe it.

28 Aug 202660 sec
Technology & Markets · Crypto · AI

Will AI Agents Push Up Crypto Prices? The US$18,850 Answer

AI agents really are paying each other on crypto rails. So why did every one of those coins fall in 2026? The answer is one number, and once you see it you cannot unsee it.

19 Aug 202612 min read
Technology & Markets · AI · Payments

Agentic Payments Explained: When a Robot Does Your Shopping, Who Actually Gets Paid?

Visa, Mastercard and Circle just launched an alliance to let AI agents spend your money. Everyone is watching the wallet. The decision that matters happens long before the wallet opens.

19 Aug 202614 min read
Macro Lens · AI · Inflation

AI Will Make Life Cheaper. But First, It's Making Life Expensive.

Everyone is waiting for AI to bring prices down. But chips, power bills, and laptops are all getting dearer — because every revolution sends you the bill before it sends you the reward.

20 Jul 20265 min
Investor Mindset · Long-Term Investing

Why a Legendary Trader Told Gen Z Not to Trade

Peter Brandt has traded futures and currencies for fifty years. His advice to young people who want to do the same: don't. Save, invest 80/10/10 every month, and welcome the declines.

16 Jul 20268 min read
From Where I Sit · Weekly Recap

Week of 18 May: The new Fed Chair has an oil problem on day one

Kevin Warsh just became the most powerful central banker on Earth — and inherited an inflation problem he can't fix with rate cuts. What it means from where we are in ASEAN.

18 May 20266 min read
Chart Lens · Bitcoin · Cycles

Bitcoin's Cycle Bottom: Where the Support Levels Actually Are

History points to an October–December low, but Bitcoin has only fallen 48% so far. The three support levels that matter, explained simply.

27 Jul 20268 min read
Macro Lens · AI · Risk

Being Right Wasn't Enough: What the AI Hedge Fund Collapse Teaches

Situational Awareness fell 67% in one month after being up 439%. What really went wrong, and the lessons for everyday investors.

3 Aug 20267 min read
Macro · Korea · Semiconductor Cycle

Korea Is the Cheapest Stock Market in 20 Years. That's Exactly the Problem.

A major institutional asset manager called Korea "off the chart cheap." Korea is also up 156% in twelve months. Both are true. The trick is in how you measure cheapness — and PEG, the metric flashing the bargain, was never designed for cyclicals.

30 Apr 202610 min read
Macro · Agricultural Commodities · Hormuz Crisis Series

When Three Shocks Collide: Tariffs, War, and the Agricultural Repricing Nobody Is Modelling

Liberation Day tariffs, the Iran-Hormuz crisis, and retaliatory trade disruption are converging on a single planting cycle. History says one shock moves prices. Three shocks change the regime.

31 Mar 202614 min read
Macro · Oil · Geopolitics

1973 vs 2026 Oil Shock: The Playbook Repeats

Oil shocks don't cause crises — they expose the policy mistakes already baked in. The 1970s proved it. The Hormuz closure is proving it again.

28 Mar 202615 min read
Data Literacy · Chart Analysis

The Relative Performance Trick: How Charts Lie Without Lying

A Fundstrat chart on the Iran conflict looks bullish for crypto and energy. But the framing hides a bloodbath.

27 Mar 20268 min read
Macro · China · Watchlist

China's Credit Pulse Is Flickering — Here's What I'm Watching

Four macro signals confirmed. Two still missing. TSF stabilising, Caixin PMI at 52.1, DXY below 100, yuan up 6%.

Mar 20266 min read
Macro · Markets · Malaysia

The TACO Trade: How a Single 7am Post Moves $1.7 Trillion

Wall Street named the trade after him. Iran called it manipulation. A Nobel laureate called it treason.

Mar 202612 min read
Macro · Gold · Safe-Haven

Gold's Paradox: Why the Ultimate Crisis Metal Is Crashing in the Biggest Crisis

Gold just posted its worst week since 1983 — during the largest oil supply disruption in history.

Mar 20268 min read
Macro · Geopolitics

China Is Watching. The World Is Watching. And the Clock Is Running Out.

The US is burning through precision missiles in the Iran war. China is watching. History says this is what empire decline looks like.

Mar 202610 min read
Macro · Commodities · Interactive

The Commodity Supercycle

After a decade of underinvestment, AI-driven demand and geopolitical fragmentation are converging. Five supercycles. Five interactive charts.

Mar 202612 min read
Malaysia · Investment

Why Malaysia in 2026

GDP at 6.3%. Asia's highest dividends at 4.5%. Ringgit at 5-year highs. The case for investing at home.

Mar 20268 min read
Macro · Iran War 2026

The Market That Didn't Get the Memo

Oil +67%. Rates rising. Dollar surging. US stocks: −2%. Four markets are reading the same playbook. One isn't.

Mar 20267 min read
Markets · Investor Psychology

8 Crash Predictions. 0 Crashes. +400% S&P 500.

Robert Kiyosaki has called a market crash every year since 2009. The S&P 500 has quadrupled.

Mar 20266 min read
Investment Analysis

Do Bonds Really Protect You When Markets Crash? We Checked 5 Crises.

We compared Malaysian stocks, bond funds, and international bonds across five major crashes.

Mar 20268 min read
Macro · Oil · Currency

The Double Squeeze: Why Japan Is Caught Between Oil and the Dollar

Japan pays for its energy in dollars it doesn't print. When Brent rises and the yen weakens, the pain multiplies.

Mar 20267 min read
Macro Liquidity

The Bond Market's Crystal Ball for Stocks

The 10Y–2Y yield curve spread predicted every major S&P 500 crash and rally for 27 years.

Mar 20265 min read
The Map
Macro Map · Regime-Based Asset Allocation

What regime. What wins. What's next.

A hundred years of macro history on a single grid. Growth × inflation classifies the current US regime. Rotation signals tell you when to tilt into EM, Japan, or Europe. Every ETF ranked by trend × macro-fit. Leading indicators + Markov odds hint at what's next. Updated daily.

60+ ETFs scored · 8 leading indicators · 7 rotation signals Historical analogs with 12-month forward returns
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