Lately, my DMs have been flooded with the same question: "Shinji, with fuel prices rising and the market shifting, how are you actually growing your money right now?"

I’ve realized that while social media is great for quick tips, it isn't the place for a technical deep-dive. Most people are chasing "hot stocks," but very few are building a system.

1. Never leave money dormant in your bank account.

When I receive my salary, I’ll transfer it to these digital banks to earn profit:

• AEON Bank (3.00% p.a.)

• RYT Bank (4.00% p.a. on first RM20k)

Doing nothing is a decision, and it’s expensive over the long run. 💸

You don’t need to follow the apps I use.

There are so many these days that allow you to grow your savings with little requirements.

For Bumis, the most obvious choice is ASB (for emergency funds).

For flexibility and PIDM protection, AEON Bank is good. 👌

Why “just saving” is not enough

A lot of people stop at ASB.

And don’t get me wrong, ASB is solid (~5–6% p.a.), but here’s the part most people don’t think about:

At ~5.5% returns, your money takes about 13 years to double.

That means:

• RM50k → RM100k (13 years)

• RM100k → RM200k (another 13 years)

That’s a very slow path to RM1 million. So, if your entire plan is:

You’re not wrong, but you’re also not optimising.

How I’m structuring my portfolio

Right now, I’m not betting on one thing. I’m building across multiple assets:

• Gold

• Bitcoin

• US ETFs

• Malaysian banks

The goal is simple: Push my overall portfolio towards ~8–10% average returns

Because at 10%:

• Your money doubles in ~7 years

• Not 13

That’s almost 6 years faster.

But there are RISKS. ⚠️

Take gold for example.

Unlike ASB (fixed price RM1/unit), gold prices can fluctuate wildly:

• 29 Jan: $5,600/Oz

• 23 Mar: $4,380/Oz (-22%)

• Today: $4,718/Oz

If you don’t know what you’re doing, there’s a real chance of you buying high and selling low.

The real problem

Most people don’t lose money because they chose the “wrong asset”.

They lose money because:

• They don’t know why they bought it

• They don’t know how much to allocate

• They don’t know when to hold or adjust

So everything becomes emotional.

How I handle these risks

I think long term. Not 5 years. Not 10 years.

But 20-30 years.

I’m still relatively young anyway (29 this year) and can afford the temporary downswings.

If you’ve read this far, you’re probably tired of "general tips" and want the actual blueprint.

What actually matters is the details behind all this — how much I’m allocating, what I’m buying more of, what I’m avoiding, and the mistakes that have actually cost me money over the past few years.

That’s not something I can fully break down in a newsletter.

So, on 9th May, I’m doing a 4-hr deep dive where I’ll walk through everything properly.

This isn’t a "Get-Rich-Quick" seminar.

As a CFP, I’m not here to sell you a dream. I’m here to show you the math. You’ll learn:

• My Holdings: Exactly what I’m buying and why.

• My Mistakes: The errors that have cost me tens of thousands, so you don’t repeat them.

• My 2026 Strategy: How I’m positioning myself against inflation and subsidy rationalization.

The "Insider’s Edge"

I’m not doing this alone. I’ve invited Azharuddin (@Azha_Investing), a former Head of Research and veteran Investment Analyst.

One of the most misunderstood ways to build passive income in Malaysia is through the banking sector.

Azharuddin is going to break down why banks like Maybank, Public Bank, and RHB are currently yielding up to ~6% p.a., and exactly which metrics you need to watch before you buy.

The Details

📅 Date: 9 May 2026 (Saturday)

⏰ Time: 2:00 PM – 6:00 PM

📍 Venue: Co-labs Coworking, KL Sentral (Nu Sentral)

• Early Bird (RM58): SOLD OUT 🔴 

• Standard Entry (RM68): AVAILABLE

• Pro Strategy Bundle (RM98): ONLY 3 SLOTS LEFT 🔥 

Secure Your Seat Here: https://luma.com/bcmwws7c

Note: Because this is an in-person session at Co-labs, we have limited seating (max. 60). Once the seats are gone, the registration will automatically close.

You’ll Also Walk Away With:

• My Portfolio Excel Template: The exact tool I use to track my path to RM1M.

• The 2026 Passive Income Guide: Azharuddin’s latest analysis on stable dividend stocks.

• The Full Session Replay & Slides: Even if you want to re-watch the technical parts later, we’ve got you covered.

If you’re serious about moving past "beginner" investing and want to know how to actually structure a portfolio, I’d love to see you there.

Secure Your Seat Here: https://luma.com/bcmwws7c