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 SenseHow To Ask For A Raise
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…
Ringgit and SenseHow You Can Be Your Own Fund Manager
Can someone without a finance certificate manage their own investment funds well enough to build up a comfortable retirement nest or even generational wealth?…
Ringgit and SensePositioning ETFs In Your Portfolio
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…
Ringgit and SenseRinggit and Sense 2021: Important Lessons Of The Year
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…
Ringgit and SenseCapitalising On Trends With Thematic Investing
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…
Ringgit and SenseMalaysia’s Retirement Crisis, A Grey Rhino
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…
Ringgit and SenseFinancial Checklist Before Year End
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…
- Ringgit and Sense
Buying Your First Car
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…
- Ringgit and Sense
How Do Malaysians Save And Invest?
A recent nation-wide survey conducted by Luno Malaysia aimed at understanding the financial management habits of everyday Malaysians found that more than half…
- Ringgit and Sense
Saving For Your Children
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…
- Ringgit and Sense
Budget 2022: What's In It For You?
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…
- Ringgit and Sense
Financial Planning For Single Parents
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…
- Ringgit and Sense
What You Should Know Before Being A Guarantor
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…
- Ringgit and Sense
Making Debt Work For You
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…
- Ringgit and Sense
Bankruptcy Is Not The End Of The Road
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…
- Ringgit and Sense
Caring For Your Elderly Financially
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…
- Ringgit and Sense
Stocks, Funds and ETFs, What's Right For Me?
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…
- Ringgit and Sense
Lessons Learnt During A Pandemic
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…
- Ringgit and Sense
The Limitations Of Robo-Advisors
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…
- Ringgit and Sense
Financial Independence, Freedom, And FIRE: What, Why, And How
What is Financial Independence or Financial Freedom? Are they basically fancy words for retirement? Roshan Kanesan gets into all this and more with writer…
- Ringgit and Sense
You Need To Rebalance Your Portfolio, But How And Why?
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…
- Ringgit and Sense
Long Term Investing - What Are The Essentials To ‘Buy And Hold’?
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…
- Ringgit and Sense
How To Analyse And Choose Good Bank Stocks
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…
- Ringgit and Sense
What To Do If I Can't Get Life Or Medical Insurance?
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…
- Ringgit and Sense
A Simple Guide To Good Debt Management
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…
- Ringgit and Sense
Buy Now, Pay Later: Good, Bad, Or Complicated?
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…
- Ringgit and Sense
Emergency Cash: How Much And How To Keep It
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…
- Ringgit and Sense
Emergency Cash: How Much And How To Keep It
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…
- Ringgit and Sense
Loan Moratorium: Should You Opt-In?
So should you opt-in for the loan moratorium? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory…
- Ringgit and Sense
How To Analyse And Choose Good REITs
Buying a property outright isn’t the only way to invest in property, REITs provide another, more diversified, avenue. Instead of buying one particular…
- Ringgit and Sense
Why Mr. Stingy Hired A Financial Planner And Should You?
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…
- Ringgit and Sense
How Mr. Stingy Learns About Money
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…
- Ringgit and Sense
How Mr. Stingy Learns About Money
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…
- Ringgit and Sense
Wealth Protection, Accumulation, And Distribution: What, Why, And How?
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…
- Ringgit and Sense
Active V Passive Investing: Which Is Better?
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…
- Ringgit and Sense
Is ESG Investing For You?
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…
- Ringgit and Sense
What To Watch When Reviewing Your Investments And Insurance
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…
- Ringgit and Sense
How Do I Start My Family Financial Plan?
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…
- Ringgit and Sense
Bitcoin and Roboadvisors: How Do They Fit In A Portfolio?
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…
- Ringgit and Sense
Optimising Taxes: Planning And Reliefs For 2021
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…
- Ringgit and Sense
No Risk, No Retirement?
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…
- Ringgit and Sense
5 Steps To Jumpstart Your Retirement Planning
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…
- Ringgit and Sense
As Money Scams Rise, How Do I Spot Them And What Can I Do?
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…
- Ringgit and Sense
Side Gig Income and Profits from Shares - Taxable?
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…
- Ringgit and Sense
Why Does The US Federal Reserve Matter To Malaysians?
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…
- Ringgit and Sense
5 Steps To Get Women Investing
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…
- Ringgit and Sense
Buying Property - First 5 Steps, 4 Common Mistakes, And More
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…
- Ringgit and Sense
How To Analyse Property Stocks In Malaysia
Cheap, expensive, or fairly valued? What are important factors or metrics that investors should pay attention to when looking at different property developers?…
- Ringgit and Sense
5 Things You Should Know Before Buying A Stock
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…
- Ringgit and Sense
Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt
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…
- Ringgit and Sense
Life & Health Insurance: What, Why, And How Much?
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…
- Ringgit and Sense
Is A Tax Relief An Excuse To Spend Money?
Having trouble tracking your expenses or managing overspending? Not sure if you should maximise your tax relief? Wondering if there are simple methods to…
- Ringgit and Sense
3 Fixed Deposit Alternatives As Rates Stay Low
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…
- Ringgit and Sense
Money Goals Tips And Why You Need Goals
Need help setting goals for 2021? Roshan Kanesan speaks to Licensed Financial Planner Kevin Neoh and financial blogger Raymond Tan for their thoughts, tips…
- Ringgit and Sense
Tips On Avoiding Scams And Other 2020 Lessons
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)…
- Ringgit and Sense
Common Money Mistakes To Avoid In 2021
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…
- Ringgit and Sense
Fund Manager’s 5 Key Investing Lessons From 2020
Central bank influence, retail investor power, and currency risk - some of the key investing takeaways from the rollercoaster year that has been 2020. Roshan…
- Ringgit and Sense
What Can You Learn From Billionaire Warren Buffett?
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…
- Ringgit and Sense
Key Tax Tips For 2021
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…
- Ringgit and Sense
Mr Stingy's 10 Investing Principles
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…