Podcasts by Ringgit and Sense

The Illogical Logic Of Girl Math from 2023-12-07T09:30:28

We've all employed rationalizations for our purchases, whether it's crunching the numbers on the cost per wear or persuading ourselves that snagging a discounted item equates to savvy savings. T...

What Does Higher For Longer Mean For Investments? from 2023-11-30T09:30:42

In this era of high interest rates, how should you invest? We explore that conundrum since the historical correlations between asset classes appear to have broken down with Lim Chia Wei, Senior ...

The Real Costs Of Children from 2023-11-23T09:30:13

On Monday was World’s Children’s Day. Idham Idris, Director & Licensed Financial Planner from Wealth Vantage Advisory discuss the cost of having these bundles of joy, how to budget and when ...

Better Returns For ESG Investment In Asean +6 from 2023-11-16T09:30:27

Sustainable Assets under Management has increased to US 2.8trillion as of June 2023. A significant sum as more investors seek to align their own ESG values with investments. But is there suffici...

Stretching Your Household Budget As Inflation Bites from 2023-11-09T09:30:31

For ringgit and sense today, we discuss the impact of inflation on household budget. Felix Neoh, Director of Financial Planning of Finwealth Management tells us what are the adjustments that cou...

Art Investing, Not Only For The Super Rich from 2023-11-02T09:30:56

According to Art Basel’s 2023 market report with Swiss Investment Bank, UBS, Global art sales increased by 3% year-on-year to an estimated $67.8 billion thanks to event driven art fairs, gallery...

101 Financial Planning For Gig Workers from 2023-10-26T09:30:08

Gig or freelance work is increasingly common and there are many pluses but it's not without its financial consequences. We check in with Gor Sheau Shuenn, a licensed financial planner at Alpine ...

Budget 2024, A Mix Of Goodies And New Taxes from 2023-10-19T09:30:37

Budget 2024 is the most expansionary to date but with the government focused on fiscal consolidation, what goodies were there for the rakyat? Thanneermalai Somasundaram from Thannees Tax Consult...

The Connection Between Money And Mental Health from 2023-10-12T09:30:08

October 10 marks World Mental Health Day and The World Health Organisation (WHO) estimates that 1 in 4 people are affected by mental disorders at some point in their lives. We explore the connec...

Balancing Financial Planning With Filial Piety from 2023-10-05T09:30:41

October 1 was designated as International Day of Older Persons by The United Nations General Assembly. And Malaysia is expected to become a 'super-aged nation' by 2056. For Ringgit and Sense tod...

Financial Literacy, An Essential Life Skill from 2023-09-21T09:30:12

Financial literacy is unfortunately not taught in schools as part of core curriculum but according to a recent survey by The Financial Industry Collective Outreach (FINCO), it should be. We find...

15 Things All Investors Should Know from 2023-09-14T09:30:38

BFM just turned 15, so what are the 15 things every retail investor should know. We turn to Founder & Chief Research Officer of Trident Analytics Sdn Bhd and author of the book- “What I le...

Creating And Maintaining A Financial Routine from 2023-09-07T09:30

We have routines like eating healthy and exercising regularly but why isn't this extended to financial planning? Ian Wong, licensed financial planner & CEO of Uno Advisers tells us how to ma...

Financial Lessons For Barbie from 2023-08-24T09:30:50

Barbie the movie has grossed more than USD1bn at the box office but is she in the best shape financially? We check in with Rozanna Rashid, Licensed Financial Planner from Alpine Advisory as to w...

How to Ask For That Raise from 2023-08-17T09:30:02

The government is proposing progressive wages on a voluntary basis but rather than wait, how can you earn more over the course of your career? Deepa George, Managing Consultant at MYHRC Services...

Private Equity, Not an Asset Class for Everyone from 2023-08-10T09:30:43

Recently there has been more talk about private equity on the back of the listing of Mr DIY. But how does a PE firm work, what are the risks and potential returns. We ask Ng Sai Kit, Chairman of...

The Real Cost Of A Bundle Of Joy from 2023-08-03T09:30:19

Deciding to have a child is one of the biggest decisions to make. However what is the cost of even having a baby. Founder of the financial blog Ringgit Oh Ringgit and new mother, Suraya Zainudin...

Using Family Offices To Retain And Grow Wealth from 2023-07-27T09:30:07

Recently the Prime Minister announced that initiatives will be introduced to encourage family offices to start in Malaysia. But what is a family office, what can they achieve and what role do th...

Balancing Your Books As A Young Person In KL from 2023-07-20T09:30:14

The EPF Belajawanku Guide says that a single person in the Klang Valley can live on RM1930. We check in with a BFM intern, Ethan Kow to see if that is true. This is then followed by financial a...

How To Manage Your Finances As A Couple from 2023-07-13T09:30:20

The EPF Belajawanku Guide has suggestions on the minimum incomes for singles, couples and senior to live on depending on their location. Today we explore the figure recommended and how to balanc...

Women, Leaning In To Be Financially Independent from 2023-07-06T09:30:57

Women make up half of the Malaysian population, but yet fall behind in terms of salary and often take career breaks. Should women then plan when it comes to their finances. Rejina Rahim, co-foun...

Money Matters In Marriage And Divorce from 2023-06-22T09:30:49

Money may not buy love but it often is a cause for divorces. So, what are some of the practical issues that we need to be aware before matrimony and even when the the love flounders. Siew Choon ...

How To Ride The Global Silver Tsunami from 2023-06-15T09:30:44

In 2023, baby boomers will be celebrating birthdays between the ages of 59 and 77. And by 2030, one in six people in the world will be aged 60 years or over. Malaysia is of course no exception t...

The Age Old Question: To Buy Or Rent A Home? from 2023-06-08T09:30:36

Should you buy or rent a home? The arguments for and against have evolved over the years. There are now more factors in play – the pandemic and resultant work-from-home practices, for instance, ...

The Singleton's Guide To Financial Security from 2023-06-01T09:30:35

For many singleton nowadays, there’s something far more pressing on their minds than putting a ring on it: financial security. People with a partner or spouse generally have someone helping out ...

How To Choose The Right Financial Planner from 2023-05-25T09:30:19

What’s the difference between a financial planner, advisor, wealth manager and money coach? How do you decide who is better for your financial needs? Sim Wie Boon unpacks this with Desmond Chong...

The Malaysian Credit Landscape from 2023-05-18T09:30:17

Earlier this year, credit reporting agency CTOS, in collaboration with Monash University Malaysia’s School of Business conducted a study looking into the state of consumer credit in Malaysia for...

Why FIRE Can Burn You In The End from 2023-05-11T09:30:59

If you're a personal finance enthusiast, you would've heard of Financial Independence, Retire Early aka FIRE, a movement which encourages people to attain financial independence as early as poss...

Beware Online Scams from 2023-04-27T09:30:12

Continuing our two part episode focusing on scams, Ooi Beng Cheang of FPAM comes on the show again this time to talk about online scams. He shares tips on how to spot online phishing scams, what...

Phone Scams, How To Identify Them And How To Protect Yourself from 2023-04-20T09:30:39

Last week, news came out that 73% of mobile phone numbers, equivalent to more than 21 million people in Malaysia, were leaked or sold to scammers. This is especially concerning given that the ca...

Making Money The Sharia Way from 2023-04-13T09:30:53

Over the past decade, options for Sharia compliant investments and financing have grown tremendously cementing Malaysia as the world's third-largest Islamic banking market. We speak to Rafiq Hid...

How To Make Money When Interest Rates Are Rising from 2023-04-06T09:30:52

Since 2020, the US Federal Reserve has been raising the federal funds rate to 4.75-5% in an attempt to tame the rampant inflation that has reached 40-year highs. As a result central banks all ar...

Why Is It Important To Talk Money With Your Other Half? from 2023-03-30T09:30:25

No matter how in love you are with your partner, money can make it or break it in your relationship. Hence it is important to talk about your finances with your other half. Licensed financial pl...

EPF As Loan Collateral - Good Or Bad? from 2023-03-23T09:30:36

Earlier this month, Finance Minister Datuk Seri Anwar Ibrahim suggested allowing contributors of the EPF to take bank loans by using their contribution as collateral instead of adhering to calls...

Why Insurance Matters from 2023-03-16T09:30:43

Life is often uncertain and unpredictable, hence it is necessary to ensure you and your family are protected from any unforeseen life events. Whether it’s planning for retirement, or protecting ...

Investing Through A Stormy 2023 from 2023-03-09T09:30:24

With the US Federal Reserve still poised to hike rates as it seeks to tame inflation and a turbulent global economy plaguing markets, how can one keep their cool and stay invested? This top...

Budget 2023 Redux: What's In It For You from 2023-03-02T09:30:52

Budget 2023 was recently re-tabled in parliament with the theme: “Developing Malaysia Madani” which encapsulates the message of upholding sustainability, prosperity, innovation, trust, respect a...

Recession And Retrenchment, How Do You Prepare For It? from 2023-02-23T09:30:30

Signs of a recession are everywhere. From your groceries getting more expensive to companies looking to tighten their belts, it's crucial that you take this time to plan out your finances. This ...

The Issue Of Our Youth In Debt from 2023-02-16T09:30:17

A recent finding by UCSI showed that more than 70% of Malaysian youths are in debt with factors such as financial constraint, inflation and luxurious lifestyle being the main drivers. The issue ...

Life After Retirement, To Work Or Not To Work? from 2023-02-09T09:30:39

On today’s episode of Ringgit and Sense, we look at life after retirement, do you or do you not work? Do you have a choice? Because if you look at the numbers from EPF, it looks like many of us ...

How 2022 Impacted Markets And What Lies Beyond from 2023-02-02T09:30:36

2022 was an extremely difficult year for markets and no asset class really performed exceptionally well with exception for the US dollar. The 6.5 trillion dollars ETF industry saw their fund siz...

The Malaysian Savings Landscape from 2023-01-26T09:30:43

About a month ago, RinggitPlus ran a survey last month and found that more than 70% of Malaysians save less than 500 ringgit per month or do not manage to save at all. Hann Liew of RinggitP...

Will The Year Of Water Rabbit Be Good For You? from 2023-01-19T09:30:06

This year we’ll say goodbye to the fierce and ferocious tiger and wave hello to the cautious and peace-loving rabbit. The rabbit has long been a symbol of longevity, peace, and prosperity in Chi...

How Your Subconscious Affects Your Money from 2023-01-12T09:30:15

Have you ever made an investment and wondered what drove you to do it? What kind of bias or preconceived notions that led you to select a certain stock or asset class? Could it be your subconsci...

What To Look Out For In 2023 from 2023-01-05T09:30:06

As the year kicks off to a start, Stephen Yong of Wealth Vantage Advisory comes on the show again to share his outlook for 2023 and the key events to look out for that might impact your wallet. ...

Ringgit and Sense 2022: Important Lessons Of The Year from 2022-12-29T09:30:12

We recap some of the most interesting conversations we’ve had on the show, including a series on money and relationships, scams, personal loans and how to cope with your finances when everything...

How Did 2022 Impact Your Financial Goals from 2022-12-22T09:30:35

As the year wraps up, we take stock of how 2022 has impacted your financial goals. Stephen Yong of Wealth Vantage Advisory talks about his year end financial checklists, how the various global e...

Helping You Navigate Money Step By Step from 2022-12-15T09:30:47

Do you feel overwhelmed when it comes to money? Don't know where to start? Do you feel like you're on the wrong track? Suraya Zainudin, founder of Listen

How PIDM Protects Your Money In The Bank from 2022-12-08T09:30:02

Our conversation with PIDM continues about how they protect your money in case of an institution failure. Rafiz Abdullah of PIDM returns on the show to talk about how banks could fail and what h...

Ensuring Financial Resilience With PIDM from 2022-12-01T09:30:19

Do you know what happens to all the money in your bank if a bank fails? Can you get it back? Or is it gone for good? Well luckily in Malaysia, banks are members of an institution called PIDM whi...

Financial Freedom For All from 2022-11-24T09:30:16

In his latest book, Financial Freedom Investing, licensed financial planner Yap Ming Hui compiles his decades of experience in helping Malaysians achieve financial freedom. Sim Wie Boon dives in...

The Importance Of Islamic Estate Planning from 2022-11-17T09:30:22

Estate planning is a vital but often forgotten element in a Muslim’s financial plan. We usually spend the most of our time building and protecting our assets but usually forget the last part whi...

The Cost of A Divorce from 2022-11-10T09:30:41

As difficult as it may be, sometimes relationships don't work out the way we want them to be and unfortunately a divorce may be the last option for a couple. And while the emotional aspect can b...

How To Talk To Your Kids About Money from 2022-11-03T09:30:41

How young were you when you first had experience with money? How was it? And how has it shaped the way you view money while growing up? Sim Wie Boon speaks to Alina Amir of Fund For Life on the ...

Breaking Down The Malaysian Savings Landscape from 2022-10-27T09:30:06

The general consensus over the past few years, even before the pandemic, is that Malaysians generally do not save a lot. Be it because of structural issues or a lack of financial planning awaren...

Why Global Diversification Is Necessary from 2022-10-20T09:30:49

Increased globalization and interconnectivity has opened up the world of investing to near unlimited opportunities. Yet, most investors in Malaysia have about 80% of their investments in Malaysi...

Budget 2023: What Could've Been In It For You? from 2022-10-13T09:30:12

Budget 2023 was presented by Finance Minister Tengku Zafrul focusing on economic recovery and resilience with a bill of RM372.3 billion, the biggest that has been tabled in Malaysian h...

Healthy Eating On A Budget from 2022-10-06T09:30:13

With the Covid-19 pandemic leading to more indoor time, less physical activity and stress eating, it's not surprising that many Malaysians struggle with their weight. However, most Malaysians f...

The Hows And Whys Of Being A Licensed Financial Planner from 2022-09-29T09:30:08

The 5th of October is World Financial Planning Day, a day held to raise awareness about the importance of financial planning. And in conjunction with that, we explore the world of financial plan...

Money And Marriage: How To Make It Work from 2022-09-22T09:30:44

Continuing a special series on money and relationships, Dr Selina Dang of Coreplus Advisory comes on the show to discuss the kind of financial issues that might crop up in a marriage. Dr Selina ...

How OPR Hikes Impact Your Finances from 2022-09-15T09:30:42

The Monetary Policy Committee of Bank Negara Malaysia has once again increased the overnight policy rate by 25 basis points, bringing it from 2.25% to 2.50%. Bank Negara has been gradually hikin...

The Financial Conversations To Have Before Marriage from 2022-09-08T09:30:21

We continue our exploration of the axis between relationships and money and for this episode, we look at those at the cusp of making that everlasting commitment, getting married. Sim Wie Boon sp...

Can We Still Achieve FIRE Today? from 2022-09-01T09:30:49

With cost of living rising while wages remain stagnant and the investment markets in turmoil, how do adherents of the FIRE movement (financial independence, retire early) continue with thei...

Impact Of The High EPF Withdrawals And How It Hurts Our Future from 2022-08-25T09:30:54

EPF members' savings are at very low and worrying levels because over 145 billion ringgit had been withdrawn because of the four Covid withdrawal schemes. Half of the 13 million EPF members aged...

How SIDREC Helps With Your Disputes from 2022-08-18T09:30:18

Do you have a dispute with your capital market intermediary and having trouble settling the matter in the courts? Perhaps the Securities Industry Dispute Resolution Center or better known as SID...

Dating And Money, What To Look Out For And What To Say from 2022-08-11T09:30:45

It’s well known that money is one of the most common subjects for couples to argue about. In fact, many studies have shown that regardless of the happiness level within the relationship, money i...

The Cost Of Having A Pet from 2022-08-04T09:30:38

Pets can be amazing lifelong companions to us humans but unfortunately taking care of them can really put a strain on your wallet. From the initial costs of buying a pet or adopting one, to the ...

EVs, A Game For The Rich from 2022-07-28T09:30:07

As fuel price rises and concerns for the environment become more important, electric vehicles are starting to become popular around the world as more people switch up their petrol cars for ...

Infrastructure Investments, A Steady Eddie Choice To Make from 2022-07-21T09:30:58

As high inflation, rising rates and the thirst for yield creates challenges for many investors seeking income from their investments, alternative income generating solutions like infrastructure ...

Recession Is Here, What Do You Do? from 2022-07-14T09:30:30

Concerns on recession are becoming much more alarming as global economic data becomes more bleak day by day. With inflation creeping up and the cost of goods rising, what are you and I to d...

What Is A Recession and How Does It Impact You? from 2022-07-07T09:30:02

The word recession has been looming over the heads of many economists and government’s around the world for some time now. But what does a recession mean for the average person? Why does it happ...

Your First Credit Card from 2022-06-30T09:30:10

Are you planning to get a credit card? Or do you already have one? Why do you have? These are the questions we'll be pondering on this episode of Ringgit and Sense with Hann Liew of Ringgit...

Charlie Munger, The Abominable No Man from 2022-06-23T09:30:46

Charlie Munger, vice chairman of Berkshire Hathaway, is often overshadowed by his colleague Warren Buffett. But if you're an ardent follower of the two, you'll know that the investment phil...

What To Do When The Markets Are Volatile? from 2022-06-16T09:35:17

Whether you’re new to investing or have been in the market for years, you may feel a little bit like you are lost at sea looking for a safe harbour in 2022.

With a war going on in Euro...

Protecting Yourself From Investment Scams from 2022-06-09T09:35:09

Over the years, thousands of Malaysians have lost millions of ringgit to investment scams. So how exactly do these scams happen and what can you do to protect yourself from losing your money? Ja...

Hedging Against Inflation With REITs from 2022-06-02T09:30:42

If you haven’t already noticed, inflation is here and everything is getting more expensive. What does it do to your savings and investments? And how do you protect it? Ng Chze How of Manulife In...

What To Do When Everything Is Getting Expensive? from 2022-05-26T09:30:25

Covid-19, the stock market crashing, rising interest rates, inflation, and everything just getting more expensive. These are some of the things that can cause many of us to sweat buckets especia...

How To Budget When Planning Your Travels from 2022-05-19T09:30:06

After two years of Covid-19 and staying indoors, many are beginning to make holiday plans as the travel restrictions in the region begin to ease and the world shifts towards an endemic stage. Bu...

Last Minute Tax Filing Tips from 2022-05-12T09:30:20

Tax season is coming to an end and for those who have filed their taxes, they can expect their deductions and returns to be sorted out in due time. But there are those who have yet to file ...

Investing in Uncertain Times from 2022-05-05T09:30:12

As the world marches on it post-pandemic recovery trajectory, many of us might think that this will be a return to "more of the same" but with a rise in inflation, a sudden outbreak of war in Eu...

How PTPTN Helps Ensure Higher Education For All from 2022-04-28T09:30:18

Higher education is widely seen as a key stepping stone in social and economic mobility, but it doesn’t come cheap. For almost three decades, PTPTN has helped many students with loans to help&nb...

Personal Loans: When To Take It And When Not To from 2022-04-21T09:30:58

According to Bank Negara’s recently published 2021 annual report, Malaysian households have nearly 1.38 trillion ringgit worth of debt and a chunk of it are due to personal loans. Sim Wie Boon s...

Should Gold Be Your Safe Haven Investment? from 2022-04-14T09:30:31

During times of volatility and uncertainty, gold is seen as a safe haven investment to protect your wealth. But apart from that, what real value does it really have to your investment portfolio ...

Protecting Yourself From The Rising Cost Of Healthcare from 2022-04-07T09:30:39

For a World Health Day special, Sim Wie Boon will be diving into the rising healthcare costs in Malaysia exploring how much it costs to visit a clinic or hospital and get treated there as well a...

Don't Be A Fool For Scams from 2022-03-31T09:30:23

Scams have been rising lately in Malaysia with complaints about financial fraud, especially Internet, investment and phone scams being the top five issues raised by the public in Bank Negara’s 2...

Inflation-Proofing Your Retirement Savings from 2022-03-24T09:30:35

For many of us, we spend our younger years working really hard to build a career and earn a decent living so we can afford to live a comfortable life in retirement. However, things are not as si...

Tax Filing 2022: What You Should Know from 2022-03-17T09:30:17

Tax season is upon us and we all have slightly more than a month to file our taxes. So in conjunction with this, Sim Wie Boon speaks to Ang Weina, the global employer services leader of Deloitte...

How Technology Has Impacted Investing from 2022-03-10T09:30:03

Personal finance and investing has seen significant changes in the last century. Technology has saved us all an immense amount of time and money because everything is available through a click o...

Global Investment Themes To Watch in 2022 from 2022-03-03T09:30:19

These past two years have seen a period of disruption and opportunities with the Covid-19 pandemic becoming a trigger for government spending, low interest rates and a supply chain crisis. And w...

Assessing Risks When It Comes To Investing from 2022-02-24T09:30:15

When it comes to investing, risk and reward are inextricably entwined. Therefore, it is important for anyone to weigh the potential reward against the risk to decide whether it's worth putting t...

How To Optimise Your Asset Allocation Strategy from 2022-02-17T09:30:36

A core tenant of investing and financial planning is asset allocation. You shouldn't put all your eggs in one basket as it greatly magnifies risks to your portfolio should that basket hit a roug...

Tax 101 for Small Businesses from 2022-02-10T09:30:44

The pandemic has seen a boom in small businesses as many people started their own businesses ranging from baking to selling clothes to ICT services. While many have found new opportunities in th...

Insuring Your Car and Home Against Natural Disasters from 2022-02-03T09:30:48

The past two years of Covid-19 and recent spate of terrible floods has shined a spotlight on the need to protect yourself from unforeseen circumstances, whether you are a business owner, home ow...

How To Spend Your Money in the Year of Water Tiger from 2022-01-27T09:30:56

Chinese New Year is around the corner and in conjunction with that, Sim Wie Boon speaks to Master Kenny Hoo of Good Feng Shui Geomantic Research for a Feng Shui perspective on how to spend your ...

How To Ask For A Raise from 2022-01-20T09:30:56

Have you asked for a raise or promotion in your job recently? Do you plan to? How much would you ask for? On this episode of Ringgit and Sense, Sim Wie Boon speaks to communications coach Indir...

How You Can Be Your Own Fund Manager from 2022-01-13T09:30:08

Can someone without a finance certificate manage their own investment funds well enough to build up a comfortable retirement nest or even generational wealth? Former fund manager and author of t...

Positioning ETFs In Your Portfolio from 2022-01-06T09:30:12

As investors grow savvier, more Malaysians are open to trying out new investment vehicles to grow their portfolios. While not a new form of investment, Exchange-Traded Funds or ETFs have been gr...

Ringgit and Sense 2021: Important Lessons Of The Year from 2021-12-30T09:30:34

We recap some of the most interesting conversations we’ve had on the show, including budgeting for your wedding, Buy Now Pay Later, the mental health impact of bankruptcy and the recent EPF with...

Capitalising On Trends With Thematic Investing from 2021-12-23T09:30:38

Sim Wie Boon speaks to Wong Wai Ken, Malaysia Country Manager, for the robo advisor Stashaway about thematic investments. They'll be discussing why thematic investments have become more popular ...

Malaysia’s Retirement Crisis, A Grey Rhino from 2021-12-16T09:30:37

As a result of Covid-19 related withdrawals, almost half of the EPF members have less than RM10,000 left in savings, and 3.6 million of them now have less than RM1,000. These shocking figures po...

Financial Checklist Before Year End from 2021-12-09T09:30:31

The year is ending and it's time to look back and do some financial upkeep. What are the financial checklists you should cross off before we close the year off? Steve Lim of Affin Hwang Asset Ma...

Buying Your First Car from 2021-12-02T09:30

Do you remember your first car? What went into the decision to buy that specific car? Was it the price? The look? Or a decision made by your parents? Daniel Fernandez of dsf.my and BFM's Cruise ...

How Do Malaysians Save And Invest? from 2021-11-25T09:30

A recent nation-wide survey conducted by Luno Malaysia aimed at understanding the financial management habits of everyday Malaysians found that more than half of Malaysians say the most importan...

Saving For Your Children from 2021-11-18T09:35

Having a child can be expensive. Even before you lay eyes on that bundle of joy, you're probably already calculating the cost of seeing the doctor, having the baby, staying at the maternity ward...

Budget 2022: What's In It For You? from 2021-11-11T09:30

Budget 2022 is the largest budget to date at RM332.1 billion. According to the government, no sector has been left out and it will help each and every Malaysian. So what’s in it for you? W...

Financial Planning For Single Parents from 2021-10-28T09:30

One of the toughest jobs in the world is being a parent, so it’s doubly hard as a single parent. Apart from work obligations, household chores, and looking after the kids, usually all of t...

What You Should Know Before Being A Guarantor from 2021-10-21T09:30

Have you ever been asked to be a guarantor for someone else’s loan? Often it is a partner or relative who asks, but nowadays it can also be friends or work colleagues. Usually it is diffic...

Making Debt Work For You from 2021-10-14T09:30

It’s a wonderful thing to be able to say you are newly debt-free. Paying off your debt is like being handed a blank piece of paper on which to write the next chapter of your life. But whil...

Bankruptcy Is Not The End Of The Road from 2021-10-07T09:30

Filing for bankruptcy can feel like you’ve hit the financial equivalent of rock bottom. While it does wipe out your old debt, bankruptcy is a mark on your credit record and it can affect o...

Caring For Your Elderly Financially from 2021-09-30T09:30

People are living longer than ever, thanks to modern medicine and advances in technology but this has brought about a new dilemma as children born of older parents are often faced with an unexpe...

Stocks, Funds and ETFs, What's Right For Me? from 2021-09-23T09:30

Key highlights from our Ringgit and Sense webinar touching on the importance of investing, how it fits in with your financial planning, the types of asset classes to choose from, and some tips o...

Lessons Learnt During A Pandemic from 2021-09-09T09:30

What are some of the financial planning lessons to take away from the pandemic? How do you build yourself back up after losing your savings and what are the common mistakes made during the finan...

The Limitations Of Robo-Advisors from 2021-09-02T09:30

The rise of robo-advisors has taken the world by storm and grown in popularity especially with millennials and Gen Z. But as exciting as this development has been, is it the be all, end all fina...

Financial Independence, Freedom, And FIRE: What, Why, And How from 2021-08-26T09:30

What is Financial Independence or Financial Freedom? Are they basically fancy words for retirement? Roshan Kanesan gets into all this and more with writer Aaron Tang, founder of Mr-Stingy.com, a...

You Need To Rebalance Your Portfolio, But How And Why? from 2021-08-19T09:30

Balancing your portfolio means setting up a portfolio that fits your individual risk tolerance and investment goals. But it isn't enough to just "set it and forget it." You also need to make sur...

Long Term Investing - What Are The Essentials To ‘Buy And Hold’? from 2021-08-12T09:30

Buy and Hold is simple, but can go incredibly wrong as investors of Enron or Blockbuster Video would know. And with current stock market valuations bringing back Dotcom parallels, some are worri...

How To Analyse And Choose Good Bank Stocks from 2021-08-05T09:30

What should you watch when looking at bank stocks?

When it comes to the stock market investing, the banking sector can be an attractive one for a variety of reasons including yi...

What To Do If I Can't Get Life Or Medical Insurance? from 2021-07-29T09:30

Insurance is a vital pillar of personal finance, but what if for some reason, you can’t get insurance? How does this change your financial planning, and more importantly, how do you then p...

A Simple Guide To Good Debt Management from 2021-07-22T09:30

Following up from our episode last week on BNPL - or Buy Now, Pay Later - today on the show Roshan Kanesan expands the conversation on credit and debt, and take a look at what good debt manageme...

Buy Now, Pay Later: Good, Bad, Or Complicated? from 2021-07-15T09:30

Buy Now, Pay Later (BNPL), easy credit to help with cash flow or a debt trap in waiting?

Roshan Kanesan speaks to Idham Idris, Licensed Financial Planner with Wealth Vantage Adv...

Loan Moratorium: Should You Opt-In? from 2021-07-08T09:30

So should you opt-in for the loan moratorium? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They’ll get into how to make this d...

Emergency Cash: How Much And How To Keep It from 2021-07-08T09:30

Emergency cash buffers are vital, but how much do you need to set aside and where should you keep the cash? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston...

How To Analyse And Choose Good REITs from 2021-07-01T09:30

Buying a property outright isn’t the only way to invest in property, REITs provide another, more diversified, avenue. Instead of buying one particular property, you can get access to the r...

How Mr. Stingy Learns About Money from 2021-06-24T09:30

Financial literacy an ongoing process that can be a little daunting considering how much information is out there. So for some guidance here, Roshan Kanesan speaks to Aaron Tang a.k.a. Mr-Stingy...

Why Mr. Stingy Hired A Financial Planner And Should You? from 2021-06-24T09:30

Earlier this year Aaron Tang, a.k.a Mr. Stingy, took another step in his personal finance journey and engaged a licensed financial planner. Roshan Kanesan speaks to him about:

&...

Wealth Protection, Accumulation, And Distribution: What, Why, And How? from 2021-06-17T09:30

The most popular part of personal finance is the accumulation of wealth, but it's extremely important to think about how to protect the wealth you build, and how to distribute it when you’...

Active V Passive Investing: Which Is Better? from 2021-06-10T09:30

Should I buy and hold index funds for the long term or actively trade to beat the market? That’s the essential debate between active and passive investing. To get a better understanding of...

Is ESG Investing For You? from 2021-06-03T09:30

ESG has become a much bigger topic over the last few years, but is it for you? Roshan Kanesan speaks to Raymond Tang, CEO of Eastspring Investments, about the basics of ESG investing, what to wa...

What To Watch When Reviewing Your Investments And Insurance from 2021-05-27T09:30

We’re coming to the middle of the year, which means it’s soon time for a mid-year review! But how do we go about doing a financial review and why is it so important? Roshan Kanesan d...

How Do I Start My Family Financial Plan? from 2021-05-20T09:30

Whether single, married, if you have dependents you need a financial plan to not just provide, but protect them. Today on the show, Roshan Kanesan gets into the basics of family financial planni...

Bitcoin and Roboadvisors: How Do They Fit In A Portfolio? from 2021-05-06T09:30

Luno, StashAway, and Wahed Invest are just a few names that have risen in the WealthTech and FinTech space in Malaysia. How could these new tools fit in your portfolio?

Roshan K...

Optimising Taxes: Planning And Reliefs For 2021 from 2021-04-22T09:30

As tax season comes to an end, Roshan Kanesan takes a forward look to our next tax filing and dives into ways to optimise your taxes to pay the right amount, not too much and definitely not too ...

No Risk, No Retirement? from 2021-04-15T09:30

Is retirement realistic? The concept was kicked off in 1889 by German Chancellor Otto von Bismarck, establishing the concept for the rest of us, but the average lifespan back then was just 43. A...

5 Steps To Jumpstart Your Retirement Planning from 2021-04-08T09:30

Is EPF enough for retirement? How do I calculate my retirement needs? Should I take out EPF money to invest? Roshan Kanesan addresses these retirement planning questions & more with licensed...

As Money Scams Rise, How Do I Spot Them And What Can I Do? from 2021-04-01T09:30

Red flags, common mistakes, types of scams, and what to do, Roshan Kanesan gets into all this and more with Linnet Lee, CEO of FPAM. Most importantly they address how you and your loved ones can...

Side Gig Income and Profits from Shares - Taxable? from 2021-03-25T09:30

If you’ve taken on a side gig to supplement your income or made money from shares, you might want to catch Roshan Kanesan's chat with tax consultant Thanneermalai about what income is taxa...

Why Does The US Federal Reserve Matter To Malaysians? from 2021-03-18T09:37

Whether you invest in US stocks or not, the Fed plays a pivotal role in global equity markets, as its actions in the US have rippling effects globally, but why is this so? Roshan Kanesan explore...

5 Steps To Get Women Investing from 2021-03-11T09:37

How do we overcome the narrative that not enough women are investing or taking charge of their financial lives? Roshan Kanesan speaks to licensed financial advisor Annie Hor for her personal obs...

Buying Property - First 5 Steps, 4 Common Mistakes, And More from 2021-03-04T09:37

Should you buy property in 2021 with lowered rates and the homeownership campaign? What are the first steps I should take? What are the common mistakes people make? Roshan Kanesan discusses all ...

How To Analyse Property Stocks In Malaysia from 2021-02-25T09:37

Cheap, expensive, or fairly valued? What are important factors or metrics that investors should pay attention to when looking at different property developers?

Roshan Kanesan ex...

5 Things You Should Know Before Buying A Stock from 2021-02-18T09:37

Want to invest in stocks but don’t know where to start? What is the bare minimum you should know before buying a stock? What does a PE ratio mean and why is it important?

...

Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt from 2021-02-11T09:37

How much does a wedding cost? Should you take on debt? How do you manage familial and societal expectations?

In conjunction with Valentine's Day, Roshan Kanesan explores all thi...

Life&Health Insurance: What, Why, And How Much? from 2021-02-04T09:37

Healthcare can have a major impact on your finances if you’re unprepared, so today in conjunction with World Cancer Day, Roshan Kanesan explores key parts of insurance and healthcare plann...

Is A Tax Relief An Excuse To Spend Money? from 2021-01-21T09:37

Having trouble tracking your expenses or managing overspending? Not sure if you should maximise your tax relief? Wondering if there are simple methods to manage cash flow? Then listen to this ep...

3 Fixed Deposit Alternatives As Rates Stay Low from 2021-01-14T09:37

As Fixed Deposit rates fall in this low-rate environment, what are your alternatives? Roshan Kanesan finds out with Licensed Financial Planner Yap Ming Hui, and breaks down his 3 alternatives. Listen

Money Goals Tips And Why You Need Goals from 2021-01-07T09:37

Need help setting goals for 2021? Roshan Kanesan speaks to Licensed Financial Planner Kevin Neoh and financial blogger Raymond Tan for their thoughts, tips, and tricks for better goals in 2021.<...

Tips On Avoiding Scams And Other 2020 Lessons from 2020-12-31T09:37

What are the key money lessons to learn from 2020? Roshan Kanesan gets into this with Linnet Lee, CEO of the Financial Planning Association of Malaysia (FPAM), with a focus on avoiding scams, es...

Common Money Mistakes To Avoid In 2021 from 2020-12-24T09:37

On this edition of Ringgit and Sense, Roshan Kanesan explores the pillars of financial planning and the common mistakes people make, so that you can avoid them in 2021. With the help of Samantha...

Fund Manager’s 5 Key Investing Lessons From 2020 from 2020-12-17T09:37

Central bank influence, retail investor power, and currency risk - some of the key investing takeaways from the rollercoaster year that has been 2020. Roshan Kanesan dives deeper into these poin...

What Can You Learn From Billionaire Warren Buffett? from 2020-12-10T09:37

Warren Buffett is the world's 6th richest person and is considered one of the greatest investors alive, having reportedly achieved an annual average return of 20.5% since 1965.

...

Key Tax Tips For 2021 from 2020-12-03T09:37

Do I need to pay income tax? What income is taxable? What tax reliefs should I be paying attention to? What is a tax deduction? Do I need to pay taxes from selling sneakers?

As ...

Mr Stingy's 10 Investing Principles from 2020-11-26T09:37

Investing is important but it can be difficult, complicated or even scary to not just start, but to keep going. So today on the show, Roshan Kanesan hopes to make investing a little less intimit...

4 Ways To Teach Kids About Money from 2020-11-19T09:37

How can we better teach kids about money and personal finance?

That’s the question Roshan Kanesan explores today, in conjunction with Universal Children’s Day happen...

Budget 2021: What's In It For You? from 2020-11-12T09:37

Malaysia’s largest-ever budget was announced last week, but what’s in it for you?

Roshan Kanesan gets into Budget 2021 with a focus on the modified loan moratorium, ...

How The Budget Works And Tax Reliefs To Watch from 2020-11-05T09:37

Tomorrow, Budget 2021 takes centre stage at Parliament, but before that happens, Roshan Kanesan explores:

- how the budget works with a focus on understanding the debt-ceiling a...

'Ringgit Oh Ringgit's Tips and Tricks for Freelancers, Side Hustlers, and Solopreneurs from 2020-10-22T09:37

Is freelancing or the solopreneur life for you? Freelancing, gig work, and self employment have become more prominent sources of income, and are now even more in the spotlight with the rise of r...

Mr. Money TV On Retirement Planning, Compounding, and Mistakes from 2020-10-15T09:37

Retirement is an important financial goal, but often taken for granted when we're young because of the distant timeline. Roshan Kanesan speaks to Peter Yong a.k.a Mr. Money TV for his pers...

Should You Move EPF Money To Invest? from 2020-10-08T09:37

Do you want more control over your EPF money? On this episode, Roshan Kanesan explored the EPF I-Invest platform with Joyce Chua, licensed financial planner with Principal Asset Management.

Are Digital Financial Services Good For Your Wallet? from 2020-10-01T09:37

Digital financial services have made it easier for us to make payments, invest, and get protected, but it’s currently quite a fragmented environment as each service operates independently....

How To Invest While Managing Anxiety? from 2020-09-24T09:37

Investing is vital to your long term financial health, but it can be a nerve wracking experience. So how can you invest while managing the anxieties that come with it?

Are In-App Purchases and Games Loot Boxes Damaging Your Wallet? from 2020-09-17T09:37

Microtransactions and in-app purchases are big revenue generators for big tech, but could be detrimental to our wallets. Roshan Kanesan speaks to Idham Idris about the red flags when it com...

What To Watch When Buying REITs and Dividend Stocks? from 2020-09-10T09:37

With all the general excitement over capital gains in stocks markets over the last few months, income-based investing has gotten lost in the buzz, whether it’s because of all the attention...

Are Stock Splits Pointless? from 2020-09-03T09:37

Why issue bonus shares? Are stock splits pointless? What should I watch with dividend-paying companies?

We’ve seen quite a bit of news around stock splits and bonus issues over the...

BIMB's Best Invest - Digital, But Not A Roboadvisor from 2020-08-27T09:37

BIMB Investment Management has entered the digital space with its own offering, Best Invest, which they've dubbed robointelliegence and not a roboadvisor.Why have they done so, what makes this n...

Stock Market Investing - Key Lessons and Common Mistakes from 2020-08-13T09:37

As the stock market booms, it's vital to not get caught up in all the excitement and optimism. While it's important to invest, it must be done responsibly, taking your goals and risk profile in ...

Bankruptcy: Basics, Impacts, And Way Out from 2020-08-06T09:37

Bankruptcy. While we've heard the term & probably used it in conversation, what does it really mean in Malaysia? Roshan explores this, as well as the implications and impacts of bankruptcy o...

Stashaway Simple - Fixed Deposit Killer? from 2020-07-30T09:37

This year Bank Negara has cut rates 4 times, taking the OPR from 3% to 1.75%. This is the lowest level since 2004.

While the central bank has done this to help stimulate the eco...

Is Gold Still A Stock Market Hedge? from 2020-07-23T09:37

What are the differences between gold and stocks?

Gold is the hedge as old as time. It’s widely regarded as a store of value, and it traditionally behaves inversely to the...

With Cybercrime On The Rise, How Do We Better Protect Ourselves? from 2020-07-16T09:37

With Cybercrime on the rise, how can we better protect ourselves & our identities?

Many aspects of our lives have become digital, from the way we communicate to the way we move money...

Takaful And Its Role In Estate Planning from 2020-07-09T09:37

How does takaful differ from insurance? What do you need to pay attention to when choosing a plan? How does it play into estate planning? Roshan gets into these and more with Shahrul Azlan Shahr...

Why Do You Need Different Assets In Your Portfolio? from 2020-07-02T09:37

Asset allocation is essential to any investment strategy, but what does that really mean?

Today Roshan gets into the purpose of allocation, relationship between stocks & bonds, as we...

Bitcoin 101 - Is It The New Gold? from 2020-06-25T09:30

As the United States prints more US Dollars to fund its COVID-19 related economic recovery, Bitcoin has gained more prominence, alongside gold, as a hedge against the potential devaluation that ...

Is Passive Investing For You? from 2020-06-18T09:30

Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity.

So today Roshan explores the basics and merits...

Managing Falling FD Income from 2020-06-11T09:30

Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this with Felix Neoh of Finwealth Manageme...

Credit Scores Dos and Don'ts from 2020-06-04T09:30

Why should you care about #CreditScores?

Roshan speaks to Hann about the importance of credit scores as well as the dos & don'ts, how Credit Scores work and tips to maintain (or impr...

Is It Time To Buy A Car with Lower Rates and Pressure on Showrooms? from 2020-05-28T09:30

If you can afford it, is it a good time to buy a car with car sales down & lower interest rates?

Roshan Kanesan speaks to Joyce Chuah, CEO of Success Concepts and licensed f...

Mr. Stingy's Lessons From the Pandemic and Recession Investing from 2020-05-21T09:30

What should we learn from the pandemic? How do we invest during a recession? Roshan speaks to personal finance blogger Aaron Tang, a.k.a. Mr. Stingy, on these as well as tips on managing finance...

Is Value Investing Dead? from 2020-05-14T09:30

With the way markets have been over the last decade, is value investing still relevant?

On this episode, Roshan speaks to fund manager & investor Jack Kouzi about this, as w...

Practical Tips to Manage Spending During and After MCO from 2020-05-05T15:00

On this episode we revisit BFM's Personal Finance Webinar from last week - How To Manage Your Family Budget During and After MCO.

In this episode we revisit Fateen and Samantha'...

What Makes a Financial Plan? from 2020-04-30T15:00

On this episode we revisit BFM's Personal Finance Webinar from earlier in the week - 'How to Construct Financial Plans that can Weather Any Crisis'. In particular this episode revisits attribute...

MCO: Managing Cash Flows and Staying Invested from 2020-04-28T12:30

Last week BFM hosted a personal finance webinar taking a look at the impact of the Movement Control Order on our personal finances and aimed to help you build a checklist to get your through thi...

Retirement Planning - What Can We Learn From the Pandemic? from 2020-04-23T15:00

What are the basics to planning for retirement? Is retirement realistic considering that we're living longer? What can the pandemic teach us about retirement planning?

Roshan sp...

Can Your Boss Unilaterally Cut Your Salary? from 2020-04-21T03:00

How do employment arrangements work in Malaysia? Can employers unilaterally cut salaries? What options do employees have if there are disagreements with employers?

Roshan discus...

High Dividend Stocks: What to Pay Attention To from 2020-04-16T03:00

Should you take up the current low interest rates and buy a house or a car? If you were already planning a big ticket purchase before the MCO, should you continue with it?

What ...

Is It Time for a Side Hustle or Home Business? from 2020-04-14T15:00

As the MCO and COVID-19 changes the way we work and live, is it maybe time to start a home business, especially if you're worried about incomes and job security? Roshan also speaks to Raymond ab...

Moratorium And MCO: A Time to Reset Your Debt And Personal Finances? from 2020-04-09T15:00

In our continued coverage of the Prihatin Stimulus Package and managing personal finances with the MCO and COVID-19 in mind, Roshan speaks to Idham about:

- How to apply for aid in the S...

Loan Moratorium - What, Why, How and For Who? from 2020-04-07T15:00

BFM held its first ever webinar last week where we spoke to Nirmala of AKPK about loan Listen

Prihatin Stimulus, EPF, EIS and Loan Moratoriums from 2020-04-02T09:35

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you.

We got into cash ...

How To Prepare Financially For A Crisis from 2020-03-26T09:35

We speak to Ming Hui for his thoughts on managing your investments in this volatility and how to prepare financially for a crisis.

Market Crash - What Should You Do? from 2020-03-19T09:35

It’s no secret that the market has been hit hard, not just in Malaysia but of course the globe. So today on Ringgit & Sense we’re going ...

Debt & Loans: How Much Is Too Much? from 2020-03-12T09:35

On this episode Roshan explores debt and bankruptcy with Nirmala of AKPK, getting into key pillars of debt management, options if you’re having is...

Value Investing: Is It For You? from 2020-03-05T09:35

What is Value Investing? Is it for you?

And if you’re already investing, how do you balance between being invested & holding ...

Ringgit Q&A: Income Tax from 2020-02-27T09:30

With the Tax Season incoming, Roshan gets into tax questions from listeners on this edition of Ringgit Q&A.

Amongst the questions t...

Digital Financial Services - Understanding The Landscape from 2020-02-20T09:35

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just ...

Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’ from 2020-02-13T09:35

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and ...

Property: Rent, Don't Buy? from 2020-02-06T09:30

To buy or not to buy a house? That is generally a question we get here on Ringgit & Sense. Following on from our first Ringgit Q&A last week, to...

Ringgit Q&A: How, When And Why Should You Start Investing? from 2020-01-30T09:30

And starting today, every last Thursday of the month will be Ringgit Q&A sessions!

Today, Roshan and Joyce focused on questions aro...

How Do We Achieve Financial Freedom? from 2020-01-23T09:30

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active incom...

Crowdfunding - A Potential Alternative to Medical Insurance? from 2020-01-16T09:30

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that the way to address this is through a national ...

Is EPF Enough For Your Retirement? from 2020-01-09T09:30

How much do you need for retirement? Is the EPF basic requirement of RM240,000 really enough? What can you do to maximise your EPF? What is EPF Account ...

Money Goal Tips With Mr. Stingy And ‘Ringgit Oh Ringgit’ from 2020-01-02T09:30

It's the new year! Do you have resolutions for 2020?

Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on ...

FinTech: Democratising Capitalism? from 2019-12-26T09:30

Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as ...

Scams, Fraud and Online Payments - How Can You Better Protect Yourself? from 2019-12-19T09:30

As digital services and online payments become more popular, it's very important to protect yourself from the increase in online scams and fraud. Roshan...

If You Have EPF, Do You Really Need PRS? from 2019-12-12T09:30

Today on Ringgit and Sense, Roshan gets into the Private Retirement Scheme, especially as the year ends and people look for ways to maximise their tax r...

Cheaper and Easier, Is Digital Investment Management For You? from 2019-12-05T09:30

Digital Investment Management, or roboadvisors, look to be a cheaper and easier tool for investing over the long term. On this episode, Roshan spe...

The Year Is Ending, Have You Maximised Your Tax Reliefs? from 2019-11-28T09:30

In light of the fact that we’re entering the last month of the year, Roshan speaks to tax consultant Thannee about how best to prepare for y...

7 Ways to Teach Kids about Money from 2019-11-21T09:30

When should you start a retirement fund for your child? How much does a kid cost today? How do we teach kids about money and finances?

...

The FIRE Movement - Is It For You? from 2019-11-14T09:30

Roshan speaks to Joyce about the practicality of the FIRE movement as well as calculating and re-thinking retirement.

Homes, Rental and Car Loans from 2019-11-07T09:30

Roshan explores houses, renting & car loans with Robert and also talks about the upcoming Ringgit An...

What Makes a Great Will? from 2019-10-31T09:30

Have you written your will? Do you even need one?

Roshan explores this with Sheila, as well as what makes a good will, when you should wri...

Do You Need A Financial Advisor? from 2019-10-24T09:30

Money and finance can be complicated matters and the question often comes up, do you need a financial advisor? And if you do, where do you start o...

How Could Budget 2020 Affect Your Wallet? from 2019-10-17T09:30

Roshan speaks to Hann about this and benefits that slipped under the radar, as well as getting Malaysians back to work, the new top income tax bracket a...

Basics: Breaking Down Monetary and Fiscal Policy Before Budget 2020 from 2019-10-10T09:30

Now we have heard a lot about fiscal and monetary policy this year, and with Budget 2020 just round the corner, Roshan speaks with Carmelo to help...

Are REITs, Bonds & Dividend Stocks the Answer to Falling Interest Rates? from 2019-10-03T09:30

Although September turned out to be a net positive for US stocks, October is starting out on quite a negative foot as US equities have fallen for ...

Is P2P Financing The Right Investment for You? from 2019-09-26T09:30

We're all looking for ways to grow our money, and a new way that has come up in recent times is Peer-to-Peer financing, but is it right for you?

Women & Investing: Advice, Behaviours and Relationships from 2019-09-19T09:30

Traditionally, women weren't as involved in investing as they are now. On this note, Roshan speaks to Linnet & Wai Ken about the statistics here, th...

Insurance Considerations, Differences and How to Start from 2019-09-12T09:30

Are you insured? If you are, are you then over or under insured?

With over half the country uninsured, Roshan Kanesan speaks to Stella abo...

Calculating Retirement, Income Replacement & Lump Sum Payouts. from 2019-09-05T09:35