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 SenseIncome Tax 101 - Breaking It Down
Roshan Kanesan speaks to Verinderjeet about our favourite financial topic, taxes. Verinder helps to break down some of the complexity in the system, from what…
Ringgit and SenseWhat To Do With EPF's Stellar Dividend?
Roshan Kanesan speaks to Rajen Devadason about EPF’s recent dividend announcement, the different ways to use Account II in the long run and some optional…
Ringgit and SenseRoboadvisors - A Good Way to Stash Away For Your Future?
Today Roshan Kanesan speaks to Freddy Lim, Co-Founder and Chief Investment Officer of StashAway about robo-advisors, ETFs and the Stashaway platform. See…
Ringgit and SenseWill The RinggitPlus Experian-ce Change?
Liew Ooi Hann speaks to Roshan Kanesan and Tan Chung Han about RinggitPlus’ Experian led investment and what that means for both RinggitPlus and us…
Ringgit and SenseInsurance: How To Get Started?
Following up from last week’s financial planning episode, today Roshan Kanesan explores the basics of insurance with Mitul Lakhani, CEO of iMoney Group…
Ringgit and SenseWhat Do You Need in a Financial Plan?
Amidst all the volatility in the financial markets, planning your financial goals and resolutions can be difficult but not impossible. Roshan Kanesan speaks to…
Ringgit and SenseBehavioural Coaching: The Missing Piece To Your Financial Plan?
Tan Chung Han speaks to K. Gunesegaran, Financial Planner and Money Coach, Wealth Street about behavioural coaching. They get into a range of behaviours that…
Ringgit and SenseEstate Planning: Your Photos and Cryptos Need One
Digital assets have become a big part of our lives yet many of us do not plan for them as we do physical assets. Photos, videos, emails, social media, and…
Ringgit and SenseDigital Financial Tools - Can They Help You?
Tan Chung Han speaks to Kalyani Nair about the role that digital tools and platforms can play in achieving our financial goals. See omnystudio.com/listener for…
Ringgit and SensePersonal Finance Tips for 2019
Joyce shares advice and tips to help firm up our personal finance plans for the new year. See omnystudio.com/listener for privacy information.
Ringgit and SenseFinancial Tips for the Season of Giving
Joyce shares some strategies on how to manage our finances well during the Christmas season. See omnystudio.com/listener for privacy information.
Ringgit and SenseCTOS - Is Your Online Data Safe?
We speak to Dennis about data breaches in the digital age, and the steps CTOS is taking to protect consumers. He also explains some of the steps consumers can…
Ringgit and SenseHow Protected Are Your Bank Deposits and Insurance Benefits?
Rafiz explains PIDM's mandate which seeks to protect your bank deposits, insurance policies and benefits. We will be discussing how PIDM protects your deposits…
Ringgit and SenseThe 5% Retirement Rule
Kevin explains the concept of the 5 percent withdrawal rate for retirement, and the various factors that contribute to a financially sustainable retirement…
Ringgit and SenseThe Emerging Affluent - Are They Financially Savvy?
Malaysia is included in Standard Chartered's Emerging Affluent Study for the first time in 2018. The report reveals some fascinating insights into the…
Ringgit and SenseGambling - Beyond 'Foolish' Mindsets
Does gambling have a place in our wealth accumulation strategy? Are there physiological factors that drive such behavior? Rajen shares his insights. See…
Ringgit and SenseBudget 2019 - Winners, Losers, and Your Finances
Ching shares with us the expected winners and losers from Budget 2019, and how we can start positioning our personal finances in anticipation of next year's…
Ringgit and SenseAKPK: Malaysia's Financial Well-Being is Quite Concerning
AKPK is about to unveil results from its survey into the financial habits of Malaysian working adults. Mohammad Mafrukhin shares with us a preview of his…
Ringgit and SenseFinancial Literacy - Not All Doom and Gloom
Linnet shares how FPAM is using an online platform to help raise the level of financial literacy in Malaysia. See omnystudio.com/listener for privacy…
Ringgit and SensePersonal Finance Lessons Ahead of Budget 2019
Robert helps us derive personal finance lessons from comments made so far by the Prime Minister and the Minister of Finance about the upcoming Budget 2019. See…
Ringgit and SenseRetirement Readiness - Save More Tomorrow
As Malaysia contends with an ageing population, the government is mulling raising the retirement age. Joyce shares some ways to ready ourselves financially for…
Ringgit and SenseKnow More About Your Credit Score
Six years ago, Lee Ching Wei co-founded the financial comparison website, iMoney, with the aim of helping Malaysians "make intelligent decisions on money…
Ringgit and SenseEstate Planning - It's Never Too Early
Lawrence shares the importance of estate planning, as Malaysians live longer and gather more wealth along the way. See omnystudio.com/listener for privacy…
Ringgit and SenseFinancial Planning for Your Child's Education Overseas
Jamie shares some strategies on how to better arrange your finances in order to fund your child's studies abroad. See omnystudio.com/listener for privacy…
Ringgit and SenseRetirement - The Jack Ma Way
With China's richest man, Jack Ma, recently announcing that he will retire from Alibaba a year from now, Rajen helps us understand what retirement really means…
Ringgit and SenseBuying a Home? Be Financially Mindful
Desmond points out some financial and non-financial factors that have to be taken into consideration when purchasing property. See omnystudio.com/listener for…
Ringgit and SenseA 'Lobster' Wedding on a 'Tuna Fish' Budget?
Nirmala shares tips on how to plan a wedding that's within our means, along with strategies for a financially-sound 'happily ever after'. See…
Ringgit and SenseMo' Money, Mo' Problems? Enter 'Hybrid Wealth Management'
Tan Chung Han and Roshan Kanesan speak to Yap about 'hybrid wealth management'. A system aimed at millennials that can complement the existing ecosystem in…
Ringgit and SenseWhen Buying a Car, 'Budget is Boss'
Nirmala helps us identify and avoid common pitfalls when buying a car. She talks about guiding principles and common mistakes when it comes to buying a car -…
Ringgit and SenseFinding the 'PASSION' in Credit Cards
Mafrukhin shares tips on how to manage our credit cards well, while dispelling myths and misconceptions about using this financial facility. See…
Ringgit and SensePTPTN: Bukan Free Money
We tackle the issue of student loans, especially PTPTN. Our guests KC Wong, CEO of Credit Bureau Malaysia and Rohani Mohd Shahir, founder Hijrah Wealth…
Ringgit and SenseHow to Start Planning for Retirement
Fazrul shares some tips for millennials to make 'adulting' less complicated, as they begin financially preparing themselves for retirement. Fazrul is also…
Ringgit and SenseHow to Score Good Credit?
It's imperative that Malaysians understand the importance of a credit score and how it pertains to our personal finance. Dennis shares some tips on how to…
Ringgit and SenseWhy Diversify?
Jamie shares the merits for diversifying one's financial portfolio, not just geographically but also across asset classes. See omnystudio.com/listener for…
Ringgit and SenseMoney Saved Acts As A Magnet For Money Earned
Rajen talks about saving and investing. We also discuss the strategy of borrowing to buy assets -- is that good personal finance? Rajen thinks we should borrow…
Ringgit and SenseInvesting in Gold
Robert Foo sheds some light on the basics of investing in gold. He speaks on the benefits and drawbacks of having gold as part of your investment portfolio…
Ringgit and SenseBehavioural Economics - Spock vs. Simpson
Pramod explains key concepts in behavioral economics, with the aim of helping us improve our investment decisions. The idea is to recognize and mitigate our…
Ringgit and SenseMaking Your Personal Finances Raya-Ready
On this Hari Raya eve, Anuar shares some tips on managing our personal finances during this festive season. See omnystudio.com/listener for privacy information.
Ringgit and SensePersonal Debt - Open That Drawer
Rajen Devadason, CEO of RD WealthCreation draws parallels between Malaysia's RM1 trillion national debt to our personal finance obligations. He shares why when…
Ringgit and SenseHow to Stay Credit-Positive
With all this talk about the Federal Government's debt exceeding RM1 trillion, what about our personal credit profiles? KC outlines potential pitfalls that…
Ringgit and SenseThe Gig Economy - Potential and Pitfalls
At the onset of 2018, the Malaysian Employers Federation expected 50,000 retrenchments this year. Is the gig economy a viable alternative? Raymond outlines the…
Ringgit and SensePersonal Investments - Noise vs Fundamentals
Post-GE14, Malaysians have seen a seemingly endless stream of news updates. Amid all this newsflow, how can we ensure we stay the course in achieving our…
Ringgit and SenseInvestment vs Savings, Which Comes First?
We tackle the age old chicken and egg question of personal wealth, should I save or should I invest first? Helping us look into this is our regular guest…
Ringgit and SenseRetrenchment - Financially Down But Not Out
Losing your job is a very daunting prospect, so today we focus in on this and consider how one can best prepare, or mitigate, the effects of retrenchment. See…
Ringgit and SenseAged Care - Better Late Than Never
In the next three years, one in 10 Malaysians will be aged 60 and above. By 2040, the ratio is projected to be one in five Malaysians, and the country would…
Ringgit and SenseInvesting in China Amid Trade War Concerns
Even with rising concerns of a US-China trade war, CIMB Principal's CIO is still bullish on equities in the world's second-largest economy. Patrick also…
Ringgit and SenseHow to Grow Wealthier During Increased Volatility
Global stocks have endured several bouts of volatility so far this year. Rajen shares 4 lessons as to how investors can stay true to their personal financial…
Ringgit and SenseIs P2P Prospering?
Securities Commission Malaysia's 2017 Annual Report acknowledged the 'early success' seen by peer-to-peer financing platforms. Kristine recounts the traction…
Ringgit and SenseLessons from Li Ka-shing: Business Succession Planning
Hong Kong billionaire Li Ka-shing announced his retirement on March 16, officially handing over the reigns of his business empire to his son Victor Li. What…
Ringgit and SenseCan ETFs and Robo-Advisors Change Your Life?
Malaysia's first US dollar-denominated, Shariah-compliant security, called MyETF-50 recently made its debut on Bursa Malaysia. Meanwhile, the Securities…
Ringgit and SenseCan You Afford to be Sick?
We discuss the rising cost of healthcare in Malaysia and the cost difference between private and public hospitals. We also talk about what needs to be done to…
Ringgit and Sense3 Investing Lessons from Warren Buffett
Warren Buffett has just released his highly-anticipated annual letter to shareholders of Berkshire Hathaway. Rajen highlights 3 lessons on investing that we…
Ringgit and SensePrevention is Better Than Cure
Today we take a look at bankruptcy and financial distress. We discuss signs of financial distress and how to seek help and repair the damage. See…
Ringgit and SenseSave Money This CNY
We have a special episode of Ringgit & Sense to celebrate Chinese New Year. Many of us are certainly excited about receiving ang pows and eating good food to…
Ringgit and SenseDon't Leave Your Kids Everything!
Rajen shares his insights on the dos and dont's of leaving an inheritance for your children. See omnystudio.com/listener for privacy information.
Ringgit and SenseClearing Up Credit Card Conundrums
We speak to Jasmine and Chune from financial comparison site GoBear Malaysia on how to choose the best credit card for one's needs. See omnystudio.com/listener…
Ringgit and SenseCar Ownership - What's Right For You?
Yamin shares his insights on what consumers should look for when buying both new and used cars. We also discuss the cost of car ownership, and some of the…
Ringgit and SenseGetting Your Portfolio Ready for 2018
Steve walks us through the steps of reviewing your portfolio, from asset allocation as per your risk profile, to periodical reviews and risk diversification…
Ringgit and SenseFinancial Planning for the Long Haul
Rajen shares practical advise about financial goal setting for the long haul, whether for a year, a decade or more. See omnystudio.com/listener for privacy…
Ringgit and SenseCan You Really Afford International School?
We discuss the cost, benefits and challenges of sending a child to international school. We highlight important points to consider as well as some common…