Singapore
Investor. Farmer. Builder.
I got tired of watching my savings earn 0.05% while inflation ran at 3%. So I started building. Gold, a halal farm, and an AI agency. Every piece of advice I give, I have already done with my own money.
What I build
Physical Gold
I buy physical gold every month. Gold has averaged above 8% annually over the past two decades. A savings account gives you 0.05%. Most people I speak to do not know you can start with 1 gram at a time. No lump sum. Just consistent accumulation, the same way I started.
Learn about goldHalal Farming
My family raises the animals themselves in Gunung Pulai, Johor. Aqiqah, qurban, farm visits, and the OwnerSheep programme. No agents, no markup stacked on top of someone else's margins. When you book, you deal directly with the people who raised the animal.
Visit the farmAI Automation
I was spending hours a week on manual follow-ups and admin that a machine could handle better. I built the automation for my own businesses first. Now I build the same for other service businesses. Either it runs daily or we fix it until it does.
See LumoraI started buying gold because I did the math. My savings account was growing at 0.05%. Inflation was running at 3%. That is not saving. That is losing purchasing power slowly, every single year.
Gold has averaged above 8% annually over the past two decades. I started with 1 gram at a time. Picture it: while your savings account sits still, that gold accumulates quietly every month. I help others set up the exact same system.
The farm came after. My family runs Bani Ibrahim Farms in Johor. We raise the animals ourselves. No agents, no commissions, no margin stacked on top of someone else's margin. Syariah-compliant from feed to slaughter. You get the real thing or we do not sell it.
Lumora came from frustration. I was burning hours each week on tasks a machine could do better. Follow-ups, admin, scheduling. I built the automation for my own businesses first. Then I started building the same systems for other service businesses. The rule is simple: if it does not run daily, it does not count.
Three businesses. My own capital in all of them. One rule: if I would not put my own money into it, I will not tell you to. That is the standard. It has not changed.
Questions
Who is Umar Yusof?
I'm based in Singapore. I started buying gold in my 20s after realising my savings account was falling behind inflation every year. Three businesses later, I still accumulate monthly. I invest in stocks, property, and physical gold. I own Bani Ibrahim Farms in Johor and Lumora, an AI automation agency.
What is Bani Ibrahim Farms?
My family farm in Gunung Pulai, Johor. We raise the animals ourselves. Aqiqah, qurban, farm visits, and the OwnerSheep programme. No agents, no middlemen, no margins stacked on top. Full details at baniibrahimfarms.com.
What is Lumora AI?
Lumora is my AI agency, registered in Singapore. We build automation systems for service businesses: the kind that run daily, not just demo well. I built the first version for my own businesses before offering it to anyone else.
How can I contact Umar Yusof?
Follow me on Threads at @umar_invests or message me on Telegram at t.me/uyweb_bot. I respond myself.
Most people wait until they have the perfect question. You do not need one. Pick what interests you and reach out. I respond myself.