Ringgit and Sense

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 dives into this with Licensed Financial Planner Yap Ming Hui of Whitman Independent Advisors. Other episodes you might like: > Life & Health Insurance: What, Why, And How Much? > How To Invest Whil...

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 planning with a focus on debt, insurance, and the importance of estate planning. He speaks with Nirmala Supramaniam, Head of Financial Education Department at the Credit Counselling and Debt Management Agency (AK...

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 Kanesan speaks to Stephen Yong, Licensed Financial Planner from Wealth Vantage Advisory, and Vincent Fong, Chief Editor of Fintech News Malaysia, to explore this space and its place. Other episodes you might like: > Why D...

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 little. See omnystudio.com/listener for privacy information.

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. And if it still is, how do we achieve it given the current challenges we face? Roshan Kanesan explores this with Rajen Devadason, CEO of RD WealthCreation, and Licensed Financial Planner with Manulife Invest...

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 financial planner Idham Idris of Wealth Vantage Advisory. Other shows you might like: > 5 Things You Should Know Before Buying A Stock > 5 Steps To Get Women Investing > Why Do You Need Different...

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 avoid getting scammed out of hard earned money and retirement funds. Link noted in the show: www.bnm.gov.my/list-of-approved-and-registered-intermediaries Other shows you might find helpful: > Common Mo...

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 taxable & what isn’t. They also wrap up the conversation with some tax filling and document preservation tips. See omnystudio.com/listener for privacy information.

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 explores with Lim Chia Wei, Senior Portfolio Manager at Affin Hwang Asset Management. They also break down quantitative easing, why rising Treasury yields sparked a market sell-off, and the potential consequences...

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 observations, tips, and advice, on how to better empower women financially. They also get into the behavioural differences observed in men and women, overcoming fears of risk, and Annie's first 5 steps when gu...

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 this and more with licensed financial planner Joyce Chuah. They also get into whether renting is a waste of money, whether to use EPF money for property, and how much is too much to commit to monthly loan p...

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 explores this with Loong Kok Wen, Head of Regional Property Sector at RHB Research Institute. They also get into the struggles of the current property players, the factors that drive profitability, the importance of the gener...

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? Roshan Kanesan explores all this and more with fund manager Danny Wong, CEO of Areca Capital. Other shows you might find helpful: > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Inve...

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 this and more with recently married personal finance writer Suraya Zainudin and Nirmala Subramaniam from the Credit Counselling and Debt Management Agency (AKPK). See omnystudio.com/listener for privacy information.

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 planning with VP Thanga, executive director and Licensed Financial Planner with Blueprint Planning. They get into life, critical care, and medical insurance, as well as common questions like ‘do I need my...

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 episode of Ringgit and Sense! Roshan Kanesan explores all this with Licensed Financial Planner Fateen Rosli, focusing on simple expense management, general money management tips, and tax relief optimisation....

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. Other Episodes You Might Be Interested In: > How To Invest While Managing Anxiety? > Mr Stingy's 10 Investing Principles > Should You Move EPF Money To Invest? > What Can You Learn From Billionai...

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. Other episodes you might find useful: - Money Goal Tips with Mr. Stingy and ‘Ringgit Oh Ringgit’ - Key Tax Tips for 2021 - Fund Manager’s 5 Key Investing Lessons from 2020 - Common Money M...

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, estate planning, and setting aside funds for investing. You can also check out some of these other related episodes to prepare for 2021! - Key Tax Tips For 2021 - Fund Manager’s 5 Key Investing Lessons...

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 Yeoh, Licensed Financial Planner with Wealth Vantage Advisory, they explore cash flow, investing, protection, tax, and estate planning. Image Credit (Background): kamarulzamanganu / Shutterstock.com You ca...

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 points, and more, with fund manager Jack Kouzi, Director of Australian Financial Services Licensee VFS Group. See omnystudio.com/listener for privacy information.

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. So what can you learn from the Oracle of Omaha about money and life? Roshan Kanesan explores with Rajen Devadason, Licensed Financial Planner with Manulife Investment Management Malaysia Berhad. Image Credit: EPA-EFE See om...

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 2020 comes to a close, Roshan Kanesan gets into all these questions and more with tax consultant Thanneermalai. With less than 30 days to maximise your tax reliefs, this little refresher hopes to help clarify the tax relief...

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 intimitading with the help of financial blogger Aaron Tang, who shares his thoughts, philosophy, and principles on investing. Photo was taken last year. See omnystudio.com/listener for privacy information.

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 happening tomorrow. Educator and author, Raymond Gabriel, breaks down financial literacy for kids, gets into tips for parents, and go-to fundamentals to help guide parents should things go off-tangent. People Systems Consultancy...