Ringgit and Sense

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, Licensed Financial Advisor with Harveston Financial Advisory. They also get into differences between savings accounts, fixed deposits, and money market funds. Image credit: Shutterstock.com Other episodes to check out: > Loan Moratorium: Should...

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, Licensed Financial Advisor with Harveston Financial Advisory. They also get into differences between savings accounts, fixed deposits, and money market funds. Image credit: Shutterstock.com Other episodes to check out: > Loan Moratorium: Should...

So should you opt-in for the loan moratorium? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They’ll get into how to make this decision, how to utilize this moratorium, and what this could mean for your payments later on. Image credit: Shutterstock.com Other episodes to check out: > Emergency Cash: How Much and How To Keep It &gt...

Buying a property outright isn’t the only way to invest in property, REITs provide another, more diversified, avenue. Instead of buying one particular property, you can get access to the rental from a diversified pool of property depending on the REIT. Roshan Kanesan speaks to DBS’s Banks Derek Tan to learn more about REITs and the key things to watch before investing in one, from reve...

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 speaks to him about: > How this has helped Aaron and whether it's been worth it > Whether he agreed with all the recommendations > What to watch if someone is thinking about getting a licensed financial planner > At what point should...

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 speaks to Aaron Tang a.k.a. Mr-Stingy.com, about how he learned about money, some of his favourite resources, and how he turns knowledge into actions. Other episodes you might like: > Mr Stingy's 10 Investing Principles > Mr. Stingy's Le...

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 speaks to Aaron Tang a.k.a. Mr-Stingy.com, about how he learned about money, some of his favourite resources, and how he turns knowledge into actions. Other episodes you might like: > Mr Stingy's 10 Investing Principles > Mr. Stingy's Le...

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 how to distribute it when you’re gone. Roshan Kanesan speaks to Licensed Financial Planner Rajen Devadason to get a better understanding of how all this works together, its importance in your life, and things to keep an eye on. Rajen De...

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 investing. To get a better understanding of active and passive investing, and which one might be for you, Roshan Kanesan speaks with Ben Johnson, Director of Global ETF Research with Morningstar Research Services. They get into fund performances, ho...

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 basics of ESG investing, what to watch, risks involved, and more. See omnystudio.com/listener for privacy information.

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...