Azharuddin Profile picture
Jan 29, 2023 10 tweets 3 min read Read on X
ChatGPT semakin popular, dah try?

Saya dgr podcast Morgan Stanley tntg trends 2023. Antara trend: Gen Z akan buat multiple income streams. Why? antara sebab: chatGPT

Saya tanya chatGPT utk dpt jawapan mengapa ini berlaku.

ChatGPT jawab dlm masa 10 saat sahaja‼️ Image
"Why settle for one source of income when you can have many? #GenZ is embracing multiple earnings streams for job security, financial stability, the freedom to pursue their passions. The gig economy & technology make it easier than ever! #MillennialMoney #EarningsStreams"
Soalan saya ChatGPT untuk suggest a tweet on multiple income di atas👆

Kemudian saya tanya:
"what are 3 reasons why Gen z going for multiple earnings stream?"
Answers👇
"1. Job security: With job security becoming increasingly uncertain, Gen Z is seeking to diversify their sources of income to reduce their dependence on a single employer"
"2. Entrepreneurial mindset: Gen Z is often described as entrepreneurial, and many are seeking ways to monetize their skills, passions, and interests through multiple streams of income"
"3. Financial freedom: Having multiple sources of income can help Gen Z build wealth and achieve financial independence more quickly. It also provides the flexibility to pursue their passions, travel, and live the lifestyle they want without being tied to a single job"
Rumusan:
Mengejar pelbagai income & kerja semakin popular dgn Gen Z kerana mahukan financial stability, capai financial goals dan bebas untuk kerja dan hidup on own terms.

Gen lain juga pursuing multiple income, mngkin sbb ia mudah dilakukan berbanding dulu.
You can register here for chatGPT dan tanya soalan sebanyak boleh.

chat.openai.com/auth/login
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More from @azha_nordin

Aug 22
Malaysia Menyala 🔥🚀: Ringgit, Economy, Stability

Article by Reuters hari ini cerita tentang Msia dan kenapa ringgit & saham naik, pelabur kembali berminat.

I'm summarising a news article tonight for a change.
Ada 5 main stories in the article, and... Image
...5 Faktor Kenapa Malaysia Menarik di Mata Pelabur Asing

1. Economic Growth:
o Ekonomi 2Q24 Msia terpantas hampir 2 tahun at 5.9%. Kenaikkan ekonomi juga agak "broad-based".
2. Bank Negara Malaysia’s Role:
o BNM has kept interest rates steady, focusing on supporting econ growth while maintaining financial stability. Polisi ini berbeza dgn negara lain Asean yg lebih berjurus kpd matawang and are likely to cut rates.

Polisi BNM ini bantu kenaikkan ringgit dan membuatkan bond Msia menarik.
@BNM_officialImage
Read 11 tweets
Aug 15
The best sector to own (arguably).
Saham bank diBursa telah lakukan V-shaped recovery. Dalam kata lain, harga saham skrg sudah melampaui waktu end-Julai (bila saham mula global turun).

Saham bank Msia lebih resilient kpd global stock turmoil and look set to go higher. Simple explanation here:Image
Semenjak berlaku kejatuhan mendadak 5 Aug, most bank stocks have recovered. Some even higher than their July peak.
Best performers (1 month):
1. Alliance +8.1%
2. Affin +7.2%
3. AM +6.9%
4. B Islam +6.0%
5. CIMB +5.6
Basically 3 main reasons mengapa bank stocks doing well.
Pertama: Profit konsistent, asset quality baik. Sector especially Maybank, CIMB, AM, show good momentum the past 3-4 qtrs. Profit sectors lain tak consistent & ada yg agak volatile.
Read 7 tweets
Aug 1
Ringgit "mengganas" 2-3 hari ni.

Kenapa ringgit naik begitu banyak lately vs USD, £, €, A$, Yuan. Tapi matawang Baht, Rupiah, Peso or even SGD tidak naik sangat.

Jawapan: Because Bank Negara (BNM) did a great job. Keep reading to find out why.

@BNM_official
Kita recap ringgit hari ini and this week.
Terakhir ringgit perform begini ialah Nov 2022 sewaktu GE15. But kali ini up across the board vs everyone.

(Selected popular "pair" here. Symbol ringgit ialah MYR, jika MYR dibelakang negatif/decline means ringgit mengukuh. Dan sebaliknya)Image
Image
Between 2022-2023 central banks global naikkan interest rates. US hikes were agressive, highest in 20 yrs. USD naik dan naik and terus naik.

BNM pula naikkan rates dari 1.75% ke 3.0% Mei 2023, about paras before Covid 2019. Then BNM stop. We say ini paras normal 3.0%.

Negara lain pula ambil langkah “mirror” inisiatif US kerana mahu defend currency mereka (+ control inflation, ini kita cerita lain), dan dpt benefit in 2023 by falling less.Image
Read 10 tweets
Jul 30
Nestle. This in interesting.

Menurut analysts, Nestle “revealed” di briefing smlm bahwa syarikat sdg alami “Downtrading”. Apa ni?

Maksudnya customers telah pun beralih kpd jenama lebih murah. Ia lebih ketara kerana sudah “broad-based” across all products. Ini antara sebab revenue & profit jatuh terok.Image
Harga produk popular Nestle iaitu Milo, Nescafe & Maggi tomato ketchup pula telah naik 5%-6% mulai 1 July. Do you buy these 3?

And Nestle are being careful to raise prices further to prevent more downtrading. Profit margin mngkin terjejas akibat higher material cost. Image
And yes, Boikot.
Nampak nya boikot ada juga impak kpd Nestle though not as bad as McD or Starbucks here.

“No helping either, is the lingering boycott of certain Western products due to Israel’s war on Gaza.”
According to Kenanga analyst in the report today.
Read 6 tweets
Jul 17
Way to go Bursa!
Bursa at RM10. Mkt cap RM8bn. It is now ranked 51 among listed Msian companies.

Pasaran saham Msia antara yang terpaling perform 2024, so Bursa dapat impak direct.

Bursa ni buat apa? Kenapa naik dah 50% ni?
How is this possible? Jom kita recap dan faham lebih sikit.Image
Bursa macam yang kita tahu, adalah operator pasaran saham Msia. Ia juga disenaraikan di pasaran saham Msia (pasaran dia sendiri) since 2005 via "demutualization" (boleh Google).

Revenue Bursa are fees derived from trading. The more we trade, the more revenue Bursa akan dpt.
Kenapa harga share Bursa naik 50%?Image
Jawapan dia mudah: kerana pasaran saham Msia antara yg terpaling perform in 2024.

Apabila pasaran saham bullish, value trading juga naik. Tahun ini Jan-Jun avg daily trading value (DTV) di pasaran naik 59%. Bermakna Bursa boleh collect fees lebih tinggi. Kali terakhir DTV setinggi ini: 2020 dan 2017.Image
Read 7 tweets
May 23
Bfood iaitu owner franshise Starbucks baru sahaja lapur kewangan. Prestasi semakin merosot, revenue menjunam, operating loss lebih besar.

Revenue qrtr Mac 2024 ialah RM139 mil, hanya separuh dari qtr Sep 2023 iaitu tempoh sebelum boycott bermula.

Will things get better and improve?Image
Kemerosoton revenue amat ketara dari RM279 mil (sebelum boikot), kepada RM183 mil, kemudian latest RM139mil. Profit telah menjadi loss 2 suku berturut. Image
Starbucks still make up the big chunk of the revenue for B Food, iaitu about 90%, baki dari Kenny Rogers Roasters dan lain. Starbucks ada sekitar 400 outlets, KR about 80.
Cashflow dari operations juga turun kepada RM100 mil vs RM201 mil tempoh 9 bln 2023. Image
Read 9 tweets

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