Every year, Malaysia releases some 200,000 TVET graduates into the working world, and yet some of them struggle to secure jobs in Corporate Malaysia and are forced into the gig economy. This, when TVET graduates in other parts of the world are providing a lifeline for big tech, and are being moulded into technopreneurs. How can Malaysia elevate its TVET pipeline to ensure we don’t fall behind? And how do we remove the stereotypical perception that a bachelor's degree is “better” than TVET?



Image Credit: Shutterstock | mofaez

Every year, Malaysia releases some <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.nst.com.my/opinion/columnists/2022/03/784076/turn-tvet-graduates-technopreneurs">200,000 TVET</a> graduates into the working world, and yet some of them struggle to secure jobs in Corporate Malaysia and are forced into the gig economy. This, when TVET graduates in other parts of the world are providing a lifeline for big tech, and are being moulded into technopreneurs. How can Malaysia elevate its TVET pipeline to ensure we don’t fall behind? And how do we remove the stereotypical perception that a bachelor's degree is “better” than TVET?Image Credit: Shutterstock | mofaez

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Technopreneurs via TVET

Is the EPF's 6.15% dividend good enough? While the recent payout drew mixed reactions, the real crisis isn't the percentage, it's the dangerous over-reliance on a single pillar to fund decades of post-work life.



For generations, Malaysians have leaned heavily on the EPF as their primary retirement strategy. But as the ringgit fluctuates against the US dollar and global markets shift, generating outsized returns from overseas investments is becoming increasingly complex. 



To provide a harsh but necessary reality check on retirement adequacy, Rajen Devadason, Licensed Financial Planner with Manulife Investment Management (Malaysia), unpacks why the 6.15% yield is mathematically stronger than it looks, how to define your personal "enough" (ranging anywhere from RM500,000 to RM20 million), and the concrete blueprint required to build true financial freedom beyond the EPF.



Learn More About:




The 6.15% Verdict: Why EPF's dividend is stronger than it looks.


The Account 3 Trap: Why Rajen calls the suggestion to funnel all dividends into the flexible EPF Account 3 "monumentally asinine" and a major threat to long-term wealth.


Capital Preservation vs. Liquidation: The stark realities of retirement funding, and why the common strategy of draining your capital until your final day is a terrifying way to live.


The 5-Element Blueprint: A breakdown of Rajen's framework for financial freedom, featuring a "portfolio barbell" strategy designed to balance high-risk capital gains with reliable passive income streams.


Personal Inflation & Stagflation: Why the official national CPI likely doesn't reflect your real cost of living, and how rising energy costs from geopolitical conflicts could trigger a brief period of economic stagflation.

Is the EPF's 6.15% dividend good enough? While the recent payout drew mixed reactions, the real crisis isn't the percentage, it's the dangerous over-reliance on a single pillar to fund decades of post-work life.For generations, Malaysians have leaned heavily on the EPF as their primary retirement strategy. But as the ringgit fluctuates against the US dollar and global markets shift, generating outsized returns from overseas investments is becoming increasingly complex.&nbsp;To provide a harsh but necessary reality check on retirement adequacy, Rajen Devadason, Licensed Financial Planner with Manulife Investment Management (Malaysia), unpacks why the 6.15% yield is mathematically stronger than it looks, how to define your personal "enough" (ranging anywhere from RM500,000 to RM20 million), and the concrete blueprint required to build true financial freedom beyond the EPF.Learn More About:<ul><li>The 6.15% Verdict: Why EPF's dividend is stronger than it looks.</li><li>The Account 3 Trap: Why Rajen calls the suggestion to funnel all dividends into the flexible EPF Account 3 "monumentally asinine" and a major threat to long-term wealth.</li><li>Capital Preservation vs. Liquidation: The stark realities of retirement funding, and why the common strategy of draining your capital until your final day is a terrifying way to live.</li><li>The 5-Element Blueprint: A breakdown of Rajen's framework for financial freedom, featuring a "portfolio barbell" strategy designed to balance high-risk capital gains with reliable passive income streams.</li><li>Personal Inflation &amp; Stagflation: Why the official national CPI likely doesn't reflect your real cost of living, and how rising energy costs from geopolitical conflicts could trigger a brief period of economic stagflation.</li></ul>

EPF’s 6.15%, The Account 3 Trap & Retirement Mistakes

Is Southeast Asia's venture capital slowdown a crisis, or a necessary calibration? Kevin Brockland, Managing Partner at Indelible Ventures, joins us to unpack the desperately needed reset across the LP, VC, and startup funding chain. We discuss the region's historic lack of cash returns, the truth behind the "AI hype bubble," and why vertical integration is the true key to building defensible tech companies in the next cycle.



During the previous boom cycle, the region's venture ecosystem was fueled by overexuberance, "spray and pray" capital deployment, and a heavy reliance on copy-pasted Silicon Valley playbooks. This strategy ultimately led to a landscape plagued by overstated revenues, inflated paper valuations, and a severe lack of Distribution to Paid-In Capital (DPI) for investors.



Today, Southeast Asia is facing a harsh but necessary reality check. With a visible slowdown in fundraising momentum and increasingly selective LPs, the entire ecosystem must grow up. To unlock the next wave of durable value creation, founders and fund managers must abandon generic tech wrappers and instead focus on addressing the real efficiency layers and deep vertical workflows of traditional businesses.



We discuss:




The VC Reset: Why the funding chain, from LPs to VCs to startups, needs a harsh reality check to correct the overstated revenues and inflated paper valuations of the previous cycle.


The Missing Middle: The concerning lack of new fund managers in the region, and why fresh strategies are desperately needed to fix Southeast Asia's historically poor VC return outcomes.


Escaping the AI Bubble: Why founders need to stop pitching "AI agents" to business owners who only care about revenue, profit, and solving operational friction.


The "SaaS Apocalypse": Why the narrative of AI destroying all software is overblown, but why generic, horizontal SaaS layers are in severe danger of commoditisation.


The Vertical Moat: How the next durable wave of value creation in Southeast Asia will come from vertical AI/SaaS companies that deeply integrate into highly nuanced industry workflows to create ultimate customer stickiness.

Is Southeast Asia's venture capital slowdown a crisis, or a necessary calibration? Kevin Brockland, Managing Partner at Indelible Ventures, joins us to unpack the desperately needed reset across the LP, VC, and startup funding chain. We discuss the region's historic lack of cash returns, the truth behind the "AI hype bubble," and why vertical integration is the true key to building defensible tech companies in the next cycle.During the previous boom cycle, the region's venture ecosystem was fueled by overexuberance, "spray and pray" capital deployment, and a heavy reliance on copy-pasted Silicon Valley playbooks. This strategy ultimately led to a landscape plagued by overstated revenues, inflated paper valuations, and a severe lack of Distribution to Paid-In Capital (DPI) for investors.Today, Southeast Asia is facing a harsh but necessary reality check. With a visible slowdown in fundraising momentum and increasingly selective LPs, the entire ecosystem must grow up. To unlock the next wave of durable value creation, founders and fund managers must abandon generic tech wrappers and instead focus on addressing the real efficiency layers and deep vertical workflows of traditional businesses.We discuss:<ul><li>The VC Reset: Why the funding chain, from LPs to VCs to startups, needs a harsh reality check to correct the overstated revenues and inflated paper valuations of the previous cycle.</li><li>The Missing Middle: The concerning lack of new fund managers in the region, and why fresh strategies are desperately needed to fix Southeast Asia's historically poor VC return outcomes.</li><li>Escaping the AI Bubble: Why founders need to stop pitching "AI agents" to business owners who only care about revenue, profit, and solving operational friction.</li><li>The "SaaS Apocalypse": Why the narrative of AI destroying all software is overblown, but why generic, horizontal SaaS layers are in severe danger of commoditisation.</li><li>The Vertical Moat: How the next durable wave of value creation in Southeast Asia will come from vertical AI/SaaS companies that deeply integrate into highly nuanced industry workflows to create ultimate customer stickiness.</li></ul>

The VC Reset & Why The "SaaS-pocalypse" Is Overblown 

Geopolitical risk has spiked further. Following unprecedented military action, the Strait of Hormuz, a critical choke point handling 20% of the world's daily oil and LNG, is effectively paralysed.

With the geopolitical risk premium on oil already sitting between $20 and $30 per barrel, fears are mounting that a prolonged disruption could push prices past $100. This threatens to trigger a new wave of global inflation and force central banks to abandon their rate-cutting cycles.

Cedric Chehab, Chief Economist at BMI, joins BFM to unpack the macroeconomic fallout of the crisis, the US strategy of "regime reconfiguration" in Iran, and what this energy shock means for highly exposed economies in ASEAN.



Learn About:




The $30 Risk Premium: Why BMI estimates the "fair value" of oil is currently $55 to $65, and how panic buying and supply disruptions could drive prices even higher.


"Regime Reconfiguration" vs. Regime Change: Unpacking the US strategy in Iran, the search for a moderate transitional government, and the severe risks of sectarian conflict if the plan fails.


The Supply Squeeze: Why the global capacity to offset physical supply losses from the Strait of Hormuz is extremely limited, despite OPEC+ signals and US production.


The Central Bank Dilemma: How a sustained oil shock could kill hopes for monetary easing, forcing central banks to adopt hawkish forward guidance or aggressively raise rates to anchor inflation expectations.


The ASEAN "Triple Whammy": Why Southeast Asia is highly vulnerable to this crisis, facing deteriorating terms of trade, current account hits, and massive strain on government fiscal accounts due to energy subsidies.

Geopolitical risk has spiked further. Following unprecedented military action, the Strait of Hormuz, a critical choke point handling 20% of the world's daily oil and LNG, is effectively paralysed.With the geopolitical risk premium on oil already sitting between $20 and $30 per barrel, fears are mounting that a prolonged disruption could push prices past $100. This threatens to trigger a new wave of global inflation and force central banks to abandon their rate-cutting cycles.Cedric Chehab, Chief Economist at BMI, joins BFM to unpack the macroeconomic fallout of the crisis, the US strategy of "regime reconfiguration" in Iran, and what this energy shock means for highly exposed economies in ASEAN.Learn About:<ul><li>The $30 Risk Premium: Why BMI estimates the "fair value" of oil is currently $55 to $65, and how panic buying and supply disruptions could drive prices even higher.</li><li>"Regime Reconfiguration" vs. Regime Change: Unpacking the US strategy in Iran, the search for a moderate transitional government, and the severe risks of sectarian conflict if the plan fails.</li><li>The Supply Squeeze: Why the global capacity to offset physical supply losses from the Strait of Hormuz is extremely limited, despite OPEC+ signals and US production.</li><li>The Central Bank Dilemma: How a sustained oil shock could kill hopes for monetary easing, forcing central banks to adopt hawkish forward guidance or aggressively raise rates to anchor inflation expectations.</li><li>The ASEAN "Triple Whammy": Why Southeast Asia is highly vulnerable to this crisis, facing deteriorating terms of trade, current account hits, and massive strain on government fiscal accounts due to energy subsidies.</li></ul>

Technopreneurs via TVET

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