Shows / Ringgit and Sense
Ringgit and Sense
Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.
Episodes
Ringgit and SenseEPF’s i-Emas: Better Than Taking a Lump Sum at 55?
For most of our working lives, EPF is about building up our retirement savings. But once we retire and that balance becomes accessible, the challenge changes…
Ringgit and SenseShould Tax Reliefs Change Your Spending Habits?
Tax reliefs are like a sale: a discount only saves you money if you actually needed the item in the first place. Licensed Financial Planner Rafiq Hidayat…
Ringgit and SenseBudget 2027 Taxes: What Can You Claim & Save?
Budget 2027 introduces personal income tax rate cuts and expands reliefs for middle-income families, upskilling, and first-time home buyers. However, taking…
Ringgit and SenseHigh Interest vs Small Loans: Which Debt To Kill First?
From mortgages and car loans to credit cards and BNPL schemes, most Malaysians aren't managing just one liability, they're juggling a whole portfolio of debt…
Ringgit and SenseGood Debt vs Bad Debt: Is It Really That Simple?
Borrow money for an asset, that’s good debt. Borrow money for a holiday, that’s bad debt. It sounds simple, but is personal finance ever actually that black…
Ringgit and SenseRetirement Risks: Longevity, Health Costs, & Capital
Reaching retirement with a sizable nest egg doesn't guarantee long-term security if longevity, healthcare inflation, and unexpected shocks erode your capital…
Ringgit and SenseNew iPhones, Price Hikes: Is Upgrading Actually Worth It?
As new iPhones hit stores tomorrow, it’s clear that smartphones are getting more expensive. So how should we navigate this as buyers? Alexander Wong, Managing…
Ringgit and SenseiPhones Are Expensive. Should You Subscribe Instead?
With Apple’s latest iPhones pushing prices higher than ever, are monthly subscriptions and leasing plans the answer instead of paying cash upfront? Idham…
Ringgit and SenseHow Will Your Wealth Be Passed to the Next Gen?
With trillions passing to heirs globally and an estimated RM90 billion in undistributed inherited assets across Malaysia, preparing successors involves far…
Ringgit and SenseP/E, DCF, or Price to Sales: How Should You Value Stocks?
How should you value a stock? There are numerous ways and models to value a company, but using the wrong one can give a very misleading picture of what a…
Ringgit and SenseIs IPO Investing Worth It? Red Flags to Watch
Should individual investors avoid investing in IPOs? With data showing that two out of three IPOs in Malaysia trade below their listing price within a year…
- Ringgit and Sense
Spending EPF Money: Dos and Don'ts In Retirement
A viral story claims a retiree allegedly blew through RM700,000 in EPF savings in just 21 days. True or false, it highlights a terrifying reality: decades of…
- Ringgit and Sense
PERKESO’s Lindung 24: Should You Opt Out?
Malaysian employees have until August 31st to make an important financial choice: whether to remain in or opt out of PERKESO’s new 24-hour accident protection…
- Ringgit and Sense
Wealth Management for ASEAN's Rising Affluent
ASEAN's affluent population is growing by 5-6% a year, with the middle class set to make up 65-70% of the region by 2030. CIMB's Haniz Nazlan joins us to break…
- Ringgit and Sense
Investing in an Uncertain 2H2026
At the midpoint of 2026, a fragile US-Iran ceasefire has broken down while an AI-fuelled memory chip boom has sent Korea's Kospi up 77%, and central banks are…
- Ringgit and Sense
Closing Malaysia's EPF Savings Gap
About 38% of EPF members have reached what EPF calls "Basic Savings," up from 35% last year, but that still leaves 62% short. And "Basic Savings" only covers…
- Ringgit and Sense
AI, Mega IPOs and Portfolio Construction for H2 2026
AI infrastructure buildouts, a wave of mega IPOs, energy supply shocks, and shifting safe-haven dynamics have prompted investors to rethink their positioning…
- Ringgit and Sense
Beyond Banks: The SGX Uncovered
Singapore is Southeast Asia's largest stock market, but most Malaysian investors only go as far as DBS, UOB, and OCBC for dividends. Is there more to the SGX…
- Ringgit and Sense
You Use BNPL. Now the Law Has Your Back
Buy Now Pay Later has become the default payment method for millions of Malaysian consumers, promising instant approval and zero friction at checkout. But that…
- Ringgit and Sense
Shariah Property Investing From Just RM500
Wahed's new fractional real estate product lets investors tap into Shariah-compliant property exposure with as little as RM500. We speak to Mohsin Siddiqui…
- Ringgit and Sense
Malaysia's Small Cap Stars: Inside RHB's Top Picks for 2026
RHB's top small caps for 2026 are financially stable, with bright growth prospects and resilient. Elaine Boey speaks with Alexander Chia, Head of RHB Regional…
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Islamic Financial Planning 101
This week on Ringgit & Sense, producer Jake Lim speaks with Nur Mahfuudhzah binti Normin, licensed financial planner at Resolute Planning about Islamic…
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Are T20s As Rich As We Think?
This week on Ringgit & Sense, producer Jake Lim speaks to Stephen Yong, licensed financial planner and Executive Director at Wealth Vantage Advisory about a…
- Ringgit and Sense
Unit Trust: Why You Might Prefer It Over ETFs
This week on Ringgit & Sense, producer Jake Lim speaks with Linnet Lee, licensed financial planner at Resolute Planning about unit trusts - what they are, what…
- Ringgit and Sense
Economic Crisis: How Can We Budget For It?
This week on Ringgit & Sense, producer Jake Lim speaks to Kevin Neoh, licensed financial planner and Head of Financial Planning at VKA Wealth Planners about…
- Ringgit and Sense
Is Social Media Hurting the Finances of Young Malaysians?
This week on Ringgit & Sense, producer Jake Lim speaks to Yuvarajan Periyan, licensed financial planner and co-founder of Uno Advisers about young money in the…
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Sukuk: Should You Have It In Your Portfolio?
This week on Ringgit & Sense, producer Jake Lim will be speaking to Datin Nor Hanifah Hashim, CEO & Head of Malaysia, Franklin Templeton about an investment…
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Licensed Financial Planners: What Do They Do, Really?
This week on Ringgit & Sense, producer Jake Lim speaks to Yap Ming Hui, founder of Whitman Holdings - he’s also a licensed financial planner - about the…
- Ringgit and Sense
How Much Do Pets Really Cost?
This week on Ringgit & Sense, producer Jake Lim speaks to Michelle Chin, co-founder of Oyen, Malaysia’s first pet insurance company about the costs of owning a…
- Ringgit and Sense
What Makes Or Breaks Family Businesses?
On Ringgit & Sense this week, producer Jake Lim speaks to Chua How Kiat, Leader for Deloitte Private Southeast Asia about family businesses- a little bit on…
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Bouncing Back From Raya Spending
On Ringgit & Sense this week, producer Jake Lim will be speaking to Idham Idris, Director of Corporate Treasury Investment Services at Wealth Vantage Advisory…
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Career Mistakes That Will Cost You
This week on Ringgit & Sense, producer Jake Lim is joined by Ku Sim Ling - she’s better known as AuntyHR on various social media platforms - to talk about…
- Ringgit and Sense
Should You Buy Crypto In These Volatile Times?
This week on Ringgit & Sense, producer Jake Lim speaks to Hann Liew, a licensed fund manager and co-founder of Halogen Capital about whether cryptocurrencies…
- Ringgit and Sense
Tax Tips And Individual Reliefs YA2025
This week, Producer Jake Lim sits down with Harvindar Singh, Managing Partner of Harvey & Associates to talk about individual tax reliefs, common mistakes that…
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Why Is Wage Growth So Slow In Malaysia?
On Ringgit & Sense this week, producer Jake Lim speaks to Farhana Roslan, Head of the Research Team at PNB Research Institute about wages in Malaysia - why…
- Ringgit and Sense
Pig-Butchering Scams: How to Identify & Avoid
This week on Ringgit & Sense, producer Jake Lim zooms into ‘Pig Butchering’ scams - where scammers build up trust over a long period of time with their victims…
- Ringgit and Sense
Does High EPF Dividend Equate to Secure Retirement?
This week on Ringgit & Sense, producer Jake Lim speaks to Dr. Mohaini Ahmad Basri, licensed financial planner with Wealth Vantage Advisory about his recent…
- Ringgit and Sense
Ringgit And Sense 2026 CNY Special
This week on Ringgit & Sense, we have a very special episode waiting for you - it’s the Feng Shui edition that comes on every Lunar New Year - producer Jake…
- Ringgit and Sense
Financial Mistakes to Avoid in 2026
This week on Ringgit & Sense, producer Jake Lim is joined by Ian Wong, Founder & CEO of Uno Advisers - he’s also a licensed financial planner - they’ll be…
- Ringgit and Sense
How Much Should You Spend for Valentine's?
This week on Ringgit & Sense, love is in the air - producer Jake Lim sits down with Linnet Lee, licensed financial planner at Resolute Planning to talk about…
- Ringgit and Sense
RIA Framework: Realistic And Achievable?
This week on Ringgit & Sense, Jake Lim will be talking about the implementation of the Retirement Income Adequacy or RIA framework by EPF. He’ll be asking…
- Ringgit and Sense
2026 New Year's Resolution For Your Finances
This week on Ringgit & Sense, producer Jake Lim sits down with Kevin Neoh, licensed financial planner with VKA Wealth Planners to talk about new year…
- Ringgit and Sense
How To Pick Stocks
This week on Ringgit & Sense, producer Jake Lim speaks with Terence Ng, Associate Director of Equities, AIIMAN Asset Management which is a subsidiary of AHAM…
- Ringgit and Sense
Your Questions on Credit Cards Answered
This week on Ringgit & Sense, producer Jake Lim is joined by Felix Neoh, Director of Financial Planning at Finwealth Management to answer some of the questions…
- Ringgit and Sense
What NOT To Do With Your Very First Paycheck
This week on Ringgit & Sense, producer Jake Lim is joined by Kimberly Law, co-founder and licensed financial planner at Uno Advisers. And since it’s job…
- Ringgit and Sense
Insurance For Homes Against Disasters
Chua Kim Soon, CEO of the General Insurance Association of Malaysia addresses something that’s very timely - insurance for homes against disasters. He…
- Ringgit and Sense
Trends And Challenges for Family Businesses
Chee Pei Pei, Tax Partner and Private Leader at Deloitte Malaysia talks about findings from Deloitte’s recent report on family businesses, as well as how…
- Ringgit and Sense
The Business of Family
Chee Pei Pei, Tax Partner and Private Leader at Deloitte Malaysia talks about findings from Deloitte’s recent report on family businesses, as well as how…
- Ringgit and Sense
How To Deal With Rising Costs
The latest figures from the Department of Statistics for headline inflation is seemingly quite low at 2.1% in September - and yet, many are still feeling the…
- Ringgit and Sense
How Your Mind Thinks About Money
Author and financial coach Rumi Yeo talks about his book ‘How Your Mind Thinks About Money’. The book breaks down the mindsets that we have about personal…
- Ringgit and Sense
What's In The Credit Consumer Bill 2025?
This week on Ringgit & Sense, producer Jake Lim is joined by Yuvarajan Periyan, licensed financial planner at Uno Advisers Sdn. Bhd. to talk about the Consumer…
- Ringgit and Sense
Malaysian Consumers: What Are Our Spending Habits?
This week on Ringgit & Sense, producer Jake Lim sits down with See Toh Wai Yu, CEO of Central Force Malaysia, a company that specializes in market research…
- Ringgit and Sense
Legacy Planning: Not Just About Assets
When it comes to legacy planning, many people perceive it to be as simple as writing a will. And while that can be true in some cases, it really is about…
- Ringgit and Sense
Budget 2026: Tax Relief & Goodies
This week on Ringgit & Sense, Jake Lim sits down with Thanneermalai Somasundaram, Managing Director of Thannees Tax Consulting Services to talk about the…
- Ringgit and Sense
Ringgitplus Survey 2025: Gen Zs Saving More?
Producer Jake Lim is joined by Siew Yuen Tuck, co-founder of Ringgitplus to discuss some findings from the Ringgitplus Financial Literacy Survey that was just…
- Ringgit and Sense
Money Matters: Cash, Credit, Savings and Mindsets
This week on Ringgit & Sense, producer Jake Lim speaks with Rajen Devadason, a Securities Commission licensed financial planner with Manulife Investment…
- Ringgit and Sense
Malaysia Budget 101: How Does It Affect Your Wallet?
This week on Ringgit & Sense, producer Jake Lim will be joined by Julia Goh, Senior Economist at UOB to talk about Budget 2026. He’ll be asking her why it’s so…
- Ringgit and Sense
Breaking Away from RM30,000 Credit Card Debt
This week on Ringgit & Sense, Jake Lim sits down with Qin, a senior manager in the beauty industry and Annie Hor, Financial Advisor, Harveston Capital. They’ll…
- Ringgit and Sense
Financial Goals In Your 40s & 50s
This week on Ringgit & Sense, Jake Lim continues his conversation with Idham Idris, Director of Corporate Treasury Investment Services at Wealth Vantage…
- Ringgit and Sense
Financial Goals in Your 20s & 30s
This week on Ringgit & Sense, producer Jake Lim talks to Idham Idris, Director of Corporate Treasury Investment Services at Wealth Vantage Advisory about…