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The SECRET Financial Crisis That No One Is Talking About
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Күн бұрынMalaysia is in a financial crisis that no one seems to notice. Is Malaysia going to crash and burn or will we be able to triumph in the face of adversity? Join us as we delve into the factors, implications, and possible solutions to this pressing issue, shedding light on a significant yet often overlooked aspect of Malaysia's socioeconomic landscape.
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References of this video:
www.population...
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www.ncbi.nlm.n...
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blog.bismart.c...
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@MrMoneyTV Жыл бұрын
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@intjrovert9611 Жыл бұрын
btw be careful when taking advice from a "sponsored advice" like in this video...ask any licensed financial planner, they will tell you this: You should never take insurance plan that mixed with "saving"...you will get better return when you invest/saving in other platform like ASB & EPF...unlike what was "advised" in this video
@NivlaGnof Жыл бұрын
I guess u duno whats the consequences of depositing in epf, if u nid money & can't withdraw out until age 55 😂
@MrLittlecat123 Жыл бұрын
Saving for retire EPF still is the best. As mentioned on this video.
@SawJermine Жыл бұрын
Very true, the insurance everyone need is medical card and death. Medical card to offset ever-rising medical cost while death is for covering your liabilities such as loans in case of sudden deaths so it won’t burden your fam. Is better off investing in bonds or others to save up your money.
@NivlaGnof Жыл бұрын
@@MrLittlecat123 bruh, it's about balancing ur portfolio. U nid get financial planning course bruh
@LA-ly1nt Жыл бұрын
@@NivlaGnofthat's why EPF money is for retirement and other specific purposes. We need to set aside money for other things that we need to pay and save money for emergencies and things that we know we have to use money for later (sinking funds). Before complaining about EPF money being locked and cannot be used to cover our debt holes, we should be able to afford the debts in the first place without the money contributed to EPF. Smart people will know this and will not even think to debate about it.
@ckokloong Жыл бұрын
Singapore govt implement work-from-home for public sector and pushing private sector do the same. Main intention is to boost birth-rate. Msia govt should consider the same. Imagine if either mom or dad can wfh a few days to spend more time with children. Should help a lot.
@MrMoneyTV Жыл бұрын
Oh wow that’s a good strategy. Yes it’s a problem that should be tackled early.
@eugp4198 Жыл бұрын
A better term to use is "birth rate has been declining" than "population has been declining" in Malaysia.
@glorialoo6849 Жыл бұрын
Declining population is due to the fact that things are too expensive and the government is not helping much to non’s. Many have to leave family in Malaysia to work elsewhere and this does not help with ‘family’ bonding at all. So can’t blame the younger generations for not wanting kids or only 1-2 kids !
@Arterexius Жыл бұрын
Declining population is worldwide, not just Malaysia. The population is declining in Scandinavia too, despite Scandinavia having some of the best welfare systems in the world, with the highest degree of help.
@qihengchoo4574 Жыл бұрын
We need government to focus more on economic growth and lesser benefits. If government keeps expanding benefits, the younger will suffer in the future.
@Arterexius Жыл бұрын
@@qihengchoo4574 How the hell will the younger suffer in the future, from getting benefits that allow them to actually participate in society? The entire purpose of the Scandinavian welfare systems is Economic growth and given how bloody rich Scandinavia is, it shows how efficiently it works. It took us less than 100 years to go from industrial revolution level poor class, to a poor class today which is still richer than several European countries middle class. Less than 100 years. Welfare isn't a waste of money. Welfare is 100% economical, when done like Scandinavia
@qihengchoo4574 Жыл бұрын
@@Arterexius So where are the money from? Why they can have the best welfare system? That’s why I said our government needs to focus more on economic growth. If governments have no sufficient fund to sustain the aged population, what the government will do? The government will tax the rich and the younger.
@Arterexius Жыл бұрын
@@qihengchoo4574 Taxes of course and primarily taxes on the rich. Taking from the rich and giving to the poor in order to support a larger middle class, which increases the spending within both the local and the global economy, which increases economic growth, while simultaneously using the earnings from taxation to also improve education, which makes each new generation smarter than the previous, which in turn allows the industries to create even more complex products, which then makes the country worth more for foreign investors, further increasing the economic growth of the nation, making the industries more likely to increase wages for their middle class workers, which further increases local spending. The Scandinavian welfare systems literally follow the economic model of a global corporation. I honestly don't get how you can see that as a bad thing.
@soochenwoo2373 9 ай бұрын
What's wrong with working after 50 or 55? People are living longer and having more years of no income. The government need to encourage employers to open up flexi hours.
@izzuddinmnasir4884 Жыл бұрын
This and MLM merely the same. Relying future generation but young generation realize got rip off.
@MrLittlecat123 Жыл бұрын
It is hard to say this. Reduce the elder's benefits now and reserve it for future retiree.
@alwinlim101 Жыл бұрын
Buy Serasi and our future will be safe !
@chinhowchung6334 Жыл бұрын
This video content is surprisingly highly identical to @mingjai14 video about the aging population topic, even the scripts are highly identical
@worldorderfx Жыл бұрын
in today world many contents can be identical. It is just how the KZfaqr delivers it.
@MrMoneyTV Жыл бұрын
Do u think Malaysia will become like Japan or Singapore one day? 😢Would u be concerned about your retirement??
@vincenttiwtingjie Жыл бұрын
im concern on real estate prices
@felreizmeshinca7459 Жыл бұрын
If we are too rash to chase "modernisation" and accept western liberal ideologies, yes, we will definitely experience a decline in population growth. It will first start with increased divorce rates, and then problematic generation and crime rates, and then we see the aftermath. It is better people practice their religions and uphold traditional values that is proven to work throughout the ages. Yes we should embrace innovations and technologies, but at an affords me pace. For me personally, Malaysia is at a turning point. We can learn from first world countries mistakes or repeat the same mistakes. From what has happened previously, we usually learn from other countries because we have people fighting for the stability of the country, to go back to its roots.
@roybenedict9045 Жыл бұрын
I think working after retirement is good for your body and mental health
@rizqdanniel824 Жыл бұрын
@@roybenedict9045 haha You really don’t have old folks at home is it
@huanghuang1998 Жыл бұрын
haiya, Malay from Kampung will give a lot of birth one, dont panic!
@SiriusTheKid Жыл бұрын
We are already in a inflation recession. Buying power drop 35% Although the houses price remain stagnant, it actually means it already dropped 35%.
@roybenedict9045 Жыл бұрын
Even with declining birth rate, UN says in 2050 we will be 9.7 billion population with lesser resources. This is about 40% increase. Meaning a lot more people are competing for the same resources hence world crisis like water, food, air, war, and mass migration will be more concerning than anything else. That's probably the actual cause of inflation today around the world, cause resources is getting scarce.
@orionfalcon3539 Жыл бұрын
most of the growth is concentrated in africa. most developed or developing world, except for the middle east sees demographic growth below 2.1 tfr per woman, africa even if the population growth high, economic growth had always been slow and heavily relied on resource export/exploitation. commodity trade is very very hard to predict, ask an oil trader. Stocks you have P/E, oil? that being said, this vid is correct, we're facing a demographic crisis. That's why Russia is being Russia, to close their geographic "problems" before Russians are aged out and not enough young Russian for red army. Demographic move 2 ways, stupid slow, and stupid fast. You didn't realized you're in a crisis, until the crisis hits, by then it's too late. Heavy consumers are aged 30~45, enlighten me, how long do you need to raise a 30yo? 30years and 9months.
@steven8148 Жыл бұрын
some of those resources need to be harvest by productive worker. With lesser productive worker...the lesser resource get harvested. Some people will said yes we can use machine or robot. But lets see, as we still not yet created robot create robot technology and it still young and productive mind to create robots.
@roybenedict9045 Жыл бұрын
I agree to some level about demographic crisis but it is the least of our worries. Let's go back to the most basic stuff, oxygen will be shared among more people that means you'll get 40% less oxygen in 2050 than we have currently. So a lot of us will not be able to do heavy exercises like we used to. The same goes with food and water, when things become scarce then war and mass migration will be inevitable. it's already happening in some level right now.
@orionfalcon3539 Жыл бұрын
@@roybenedict9045 i bet you differ, when Russo-Ukraine war happened last year, we thought oil price will skyrocket to $250/b, since we taken out Russia's 10mil bpd of oil with boycott. months later oil price collapsed to lower then pre war level of $75/b. 10mbpd of oil taken out! and we found ways to replace, and europe didn't suffer apocalyptic winter. natural resource are plenty, we'll probably have more then enough for population to double. Need to understand we're not just giving birth, we'll die soon too, and we won't consume anything when we die. 2nd did you know Malaysia had been negative migration since 2018? 2018 Malaysia have 3.2mil migrant, today we have 2.4mil, source DOSM. why? since Indonesia is growing, most of them return to Indonesia. Other then Russo-ukraine war, where else? most wars are small and have been happening for years, with or without population as it's centre.
@roybenedict9045 Жыл бұрын
@@orionfalcon3539 People are living longer than before hence the population growth. You think our food is still nutrituos today, think again. Later on food security will be in questions then war will errupt, and mass migration like the Rohingya people will happen but it'll be on a much larger scale than what we see today. Clean water will probably be an issue moving forward. A whole new sets of problem will come faster than we can solved it if population continue to grow.
@ericlai3221 Жыл бұрын
Great info
@vincenttiwtingjie Жыл бұрын
im concern on real estate prices
@eugp4198 Жыл бұрын
Yes.. "property investment" is a thing of the past.. The last boat was 2012, and any properties bought after that year hardly see any increase in appreciation. Even China's population is declining and has a surplus of houses. They will feel a rapid decline in house prices.
@eugp4198 Жыл бұрын
And I don't think the good old days of property appreciation (2008 - 2012) will ever repeat again in our lifetime.
@vincenttiwtingjie Жыл бұрын
True
@izzuddinmnasir4884 Жыл бұрын
@@eugp4198hoping for that, the prob for me is income
@patrickyong1501 Жыл бұрын
When retirement age was 55, most people lived into their 65 or 70 only, in next decade we'll see human living into their 90s, what you going to do with all these free time?
@timetraveller22 Жыл бұрын
Perhaps can meditate, focus inward and in God and help others.
@dongkeekee Жыл бұрын
Technology is catching up exponentially... "Humans" are resilient and I personally belive, will find away to resove this "problem"... to attain a balance of equations ..... Historically has shown, we have dealt with even more worst scenes.... Presentation is a concern worth taking not of....but I would take it with a pinch of salt and broaden my knowledge accordingly...! Either way Cheers to all 🍻
@jmanmanboy Жыл бұрын
I hold GME for fam and frens to retire
@ahcatmeow3956 11 ай бұрын
Singapore 65yo...
@angteck6645 Жыл бұрын
3:21 Our population had been declining over the year? are you sure?
@steven8148 Жыл бұрын
I think he referring to YOUNG and PRODUCTIVE population
@MrMoneyTV Жыл бұрын
Yes 🙌🏼 ur right my friend
@angteck6645 Жыл бұрын
Is it? The bar charting shows the retirement population (age 50-60) group at around 2% while the young population enters the labour market (age 15-25) at 4% plus. Obviously, more labour is entering the market for the near future. 3:17
@angteck6645 Жыл бұрын
While you can say for those countries (eg: Japan n Sg) which the percentage of retirement age group are larger than teenager age group, but that not the case for Malaysia, referring to the chart in your video. I am not sure which data you refer to for your conclusion.
@shahrulfazli8381 Жыл бұрын
You look familiar. Did you ever go for jiu jitsu at Marcos Escobar KD?
@yeeyaophang1220 Жыл бұрын
That’s why we have AI and machines
@ottomanjean-paul8578 Жыл бұрын
BEST!
@rizqdanniel824 Жыл бұрын
The only One thing that we all can do..having more babies Thats all
@MrMoneyTV Жыл бұрын
Haha 😂 yes please 🙏🏼
@jepstark5103 Жыл бұрын
I think declines population due to high cost of living and educated. Old generation have many children due to lack of education, they just make babies without the consequences. Maybe future old work force will take over by autonomous robot or ai
@Franco-oj6bb Жыл бұрын
True...I asked my mum-in-law who has 7 children. Why she has so many children despite their poverty ? She told me she has no education on family planning. She is 85yo by now.
@Ebifrion93 Жыл бұрын
If Malaysia on track of negara maju, eventually why not? Education is the best contraceptive. Not to say which is better here, actually just an inevitable phenomenon as we looking more into life style and such. If we shifting towards quality job and higher income, the nature of such job don't even require high amount of labor in first place. Resources doesn't increase, just changed in form factor. From many people but get little to little people but get many.
@orionfalcon3539 Жыл бұрын
i disagree. Sorry, if I may. Economic 101, supply and demand. increasing productivity aka supply, but demand collapsed? Japan is pretty "productive" but due to demographic collapsed, gov had a hard time pushing inflation above 1.5%.
@maxng02 Жыл бұрын
OMG
@sootinglim9495 Жыл бұрын
advertisement, ha ha..
@dannyharridz Жыл бұрын
🫛
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