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 Sense
The Trials And Tribulations Of Getting Letter Of Administration
We continue our series on how to manage the estate of a loved one who has passed on but in the final part, we ask what happens when there is no will? How does…
- Ringgit and Sense
Wills And The Grant of Probate, Planning Helps
The death of a loved one is already traumatic enough but dealing with the estate can be complex and overwhelming. But things can be made easier with a will if…
- Ringgit and Sense
The Muslim Pilgrim's Progress: Planning For Umrah Or Hajj
For many Muslims, performing the pilgrimage to Makkah, whether for the Hajj or Umrah, is a once in a lifetime experience, but it comes with a hefty price tag…
- Ringgit and Sense
Rising Student Loan Debt: Is It Worth It?
On Ringgit and Sense today we delve into the growing mountain of student debt. Dr. Amirul Rafiq Abu Rahim, a Research Associate at the Khazanah Research…
- Ringgit and Sense
Making Sense Of The Types Of Shares
In the world of finance, there are often terms bandied about like preference shares, interest schemes and even cash trust. Lawyer Dr Seow Hock Peng, who is…
- Ringgit and Sense
Buy Now Pay Later, A Blessing Or Trap?
Buy now pay later services have made it tempting to split a purchase into a few installments. But has it also given us a false sense of our purchasing power?…
- Ringgit and Sense
Practical, Non-Judgemental Financial Advice For The Young
We delve into the financial mindset of young Malaysians with Peter Yong, Co-Founder and CEO of Mr. Money TV. We'll discuss whether it's fair to say they spend…
- Ringgit and Sense
Home Renovations No Small Change
Buying a house and turning it into a home is on the wish list of most but due to high building material and labour cost, how should you budget for your…
- Ringgit and Sense
Cryptocurrencies: A 101
Cryptocurrencies are increasingly mainstream with the launch of ETF's but what are the pitfalls of this asset class and will it replace fiat currencies one…
- Ringgit and Sense
The Nitty Gritty Of EPF Account 3
Last week, EPF has reorganized its existing two accounts into three to include the new flexible account for all members under the age of 55. Licensed financial…
- Ringgit and Sense
Estate Planning Is A Must For All
Death and taxes are said to be two unavoidable things in life which is why estate planning is an essential part of financial planning. Nor Fazlina, Chief…
- Ringgit and Sense
How To Be A Value Investor Like Warren Buffett
The most famous value investor is Warren Buffett but what does this style of investing mean? Faridq Ridzuan, Vice President of CFA Society Malaysia discussed…
- Ringgit and Sense
Takaful: Understanding The Differences And Benefits
As part of the series on insurance this month, we delve into the 101 of Takaful. Idi Irwan, Executive Director of Bill Morrisons explains to us how Takaful is…
- Ringgit and Sense
Insurance, For You, And Your Family
Insurance planning for the family is often neglected but we speak to Antony Lee, President, Persatuan Insurans Am Malaysia as to why this is critical. He…
- Ringgit and Sense
Insurance, Part and Parcel of Financial Planning
Insurance is an often overlooked part of financial planning but why is it a critical part that should not be ignored? Dr Selina Dang, Licensed Financial…
- Ringgit and Sense
Tools To Help You Invest On Bursa Malaysia
The year has started well with Bursa Malaysia in positive territory on a year to date basis but at the same time, there was a flurry of stocks which hit limit…
- Ringgit and Sense
Instilling Financial Savvy Through Angpau and Duit Raya
As we draw close to the end of the lunar new year and start tallying our angpau haul, we discuss how guardians and parents can use this windfall money to…
- Ringgit and Sense
The Mindset Of A Retail Investor
The recent volatility of selected counters was a timely reminder that equity investing is not to be pursued without the right mindset and skills. Ng Zhu Hann…
- Ringgit and Sense
Prabowo-Gibran On Track To Win Indonesia Elections
Indonesian voters have spoken - unofficial results indicate that defence minister Prabowo Subianto has won the presidential election by a comfortable margin…
- Ringgit and Sense
龍-term Investments For The Dragon Year
It is Chinese New Year time again. In this special episode, Master Kenny Hoo of Good Feng Shui Geomantics shares his insights from a feng shui perspective on…
- Ringgit and Sense
How To Manage Your Investments In 2024
Investing is challenging even for professionals - but what are some of the tools and tips to make that process easier? Lim Mei Ching, a former fund manager and…
- Ringgit and Sense
Nudging Millennials Towards Retirement Planning
In this age of rising life expectancy, saving for retirement has become a fundament of personal finance. Why do some people have solid retirement plans while…
- Ringgit and Sense
Time For New Financial Resolutions In A New Year
In the first Ringgit and Sense of 2024, we discuss what should be your financial resolutions. Stephen Yong, Licensed Financial Planner, Wealth Vantage Advisory…
- Ringgit and Sense
Taking Advantage Of Tax Breaks
2023 ends soon but before year ends, we explore all the tax breaks that are available with Christine Koh, Managing Partner of Owen KLCA. We also find out if…
- Ringgit and Sense
Tapping The Right Opportunities For 2024
As we draw a conclusion for the year, Rajen Devadason, CEO, RD WealthCreation joins Philip See to discuss the key lessons from 2023 that had a notable impact…
- Ringgit and Sense
Why Financial Planners Count
Data shows that more Malaysians are engaging professionally certified financial planners to help them understand the complex world of investments to match…
- Ringgit and Sense
The Illogical Logic Of Girl Math
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…
- Ringgit and Sense
What Does Higher For Longer Mean For Investments?
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…
- Ringgit and Sense
The Real Costs Of Children
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…
- Ringgit and Sense
Better Returns For ESG Investment In Asean +6
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…
- Ringgit and Sense
Stretching Your Household Budget As Inflation Bites
For ringgit and sense today, we discuss the impact of inflation on household budget. Felix Neoh, Director of Financial Planning of Finwealth Management tells…
- Ringgit and Sense
Art Investing, Not Only For The Super Rich
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…
- Ringgit and Sense
101 Financial Planning For Gig Workers
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…
- Ringgit and Sense
Budget 2024, A Mix Of Goodies And New Taxes
Budget 2024 is the most expansionary to date but with the government focused on fiscal consolidation, what goodies were there for the rakyat? Thanneermalai…
- Ringgit and Sense
The Connection Between Money And Mental Health
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…
- Ringgit and Sense
Balancing Financial Planning With Filial Piety
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'…
- Ringgit and Sense
Financial Literacy, An Essential Life Skill
Financial literacy is unfortunately not taught in schools as part of core curriculum but according to a recent survey by The Financial Industry Collective…
- Ringgit and Sense
15 Things All Investors Should Know
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…
- Ringgit and Sense
Creating And Maintaining A Financial Routine
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…
- Ringgit and Sense
Financial Lessons For Barbie
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…
- Ringgit and Sense
How to Ask For That Raise
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…
- Ringgit and Sense
Private Equity, Not an Asset Class for Everyone
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…
- Ringgit and Sense
The Real Cost Of A Bundle Of Joy
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 Sense
Using Family Offices To Retain And Grow Wealth
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…
- Ringgit and Sense
Balancing Your Books As A Young Person In KL
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…
- Ringgit and Sense
How To Manage Your Finances As A Couple
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…
- Ringgit and Sense
Women, Leaning In To Be Financially Independent
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…
- Ringgit and Sense
Money Matters In Marriage And Divorce
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…
- Ringgit and Sense
How To Ride The Global Silver Tsunami
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…
- Ringgit and Sense
The Age Old Question: To Buy Or Rent A Home?
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…
- Ringgit and Sense
The Singleton's Guide To Financial Security
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…
- Ringgit and Sense
How To Choose The Right Financial Planner
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…
- Ringgit and Sense
The Malaysian Credit Landscape
Earlier this year, credit reporting agency CTOS, in collaboration with Monash University Malaysia’s School of Business conducted a study looking into the state…
- Ringgit and Sense
Why FIRE Can Burn You In The End
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…
- Ringgit and Sense
Beware Online Scams
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…
- Ringgit and Sense
Phone Scams, How To Identify Them And How To Protect Yourself
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…
- Ringgit and Sense
Making Money The Sharia Way
Over the past decade, options for Sharia compliant investments and financing have grown tremendously cementing Malaysia as the world's third-largest Islamic…
- Ringgit and Sense
How To Make Money When Interest Rates Are Rising
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…
- Ringgit and Sense
Why Is It Important To Talk Money With Your Other Half?
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…
- Ringgit and Sense
EPF As Loan Collateral - Good Or Bad?
Earlier this month, Finance Minister Datuk Seri Anwar Ibrahim suggested allowing contributors of the EPF to take bank loans by using their contribution as…