Ringgit and Sense

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...

Malaysia’s largest-ever budget was announced last week, but what’s in it for you? Roshan Kanesan gets into Budget 2021 with a focus on the modified loan moratorium, new EPF withdrawal options, and the increased lifestyle tax relief. Photo taken last year. See omnystudio.com/listener for privacy information.

Tomorrow, Budget 2021 takes centre stage at Parliament, but before that happens, Roshan Kanesan explores: - how the budget works with a focus on understanding the debt-ceiling and how government debt works - as well as tax reliefs to watch out for, whether existing or new. Brought to you by Mah Sing. See omnystudio.com/listener for privacy information.

Is freelancing or the solopreneur life for you? Freelancing, gig work, and self employment have become more prominent sources of income, and are now even more in the spotlight with the rise of remote working and the uncertainties around convention full time employment. On this edition of Ringgit and Sense, Roshan Kanesan gets tips and tricks from Suraya Zainuding to better navigate the self employ...

Retirement is an important financial goal, but often taken for granted when we're young because of the distant timeline. Roshan Kanesan speaks to Peter Yong a.k.a Mr. Money TV for his perspective on retirement planning, particularly for young people, the power of compounding, common mistakes (including forgetting about inflation), and more. See omnystudio.com/listener for privacy in...

Do you want more control over your EPF money? On this episode, Roshan Kanesan explored the EPF I-Invest platform with Joyce Chua, licensed financial planner with Principal Asset Management. They get into the basics of this platform, eligibility, how to pick a fund, and more. See omnystudio.com/listener for privacy information.

Digital financial services have made it easier for us to make payments, invest, and get protected, but it’s currently quite a fragmented environment as each service operates independently. U Mobile’s GoPayz is trying to change that by bringing together various financial services onto one platform. Additionally, Roshan speaks to Idham Idris of Wealth Vantage Advisory, for a financial pl...

Investing is vital to your long term financial health, but it can be a nerve wracking experience. So how can you invest while managing the anxieties that come with it? See omnystudio.com/listener for privacy information.

Microtransactions and in-app purchases are big revenue generators for big tech, but could be detrimental to our wallets. Roshan Kanesan speaks to Idham Idris about the red flags when it comes to digital expenditure as well as ways to manage digital leisure spending better. See omnystudio.com/listener for privacy information.

With all the general excitement over capital gains in stocks markets over the last few months, income-based investing has gotten lost in the buzz, whether it’s because of all the attention taken up by tech in the US or rubber gloves in Malaysia. So today on RinggitAndSense, Roshan Kanesan explores the income-based investing strategy, with a close look at REITs and dividend stocks. (Note: Pho...

Why issue bonus shares? Are stock splits pointless? What should I watch with dividend-paying companies? We’ve seen quite a bit of news around stock splits and bonus issues over the last earnings quarter, with Apple and Tesla splitting their stock earlier this week, and TopGlove and Supermax proposing bonus issues. So Roshan Kanesan explores stock splits, bonus issues, & dividends, with f...

BIMB Investment Management has entered the digital space with its own offering, Best Invest, which they've dubbed robointelliegence and not a roboadvisor. Why have they done so, what makes this new buzzword different from roboadvisors, and what funds and assets do they offer? Roshan Kanesan gets into this and more with Najmuddin Mohd Lutfi. Best Invest App is developed by BIMB Investment Sdn Bhd,...

As the stock market booms, it's vital to not get caught up in all the excitement and optimism. While it's important to invest, it must be done responsibly, taking your goals and risk profile in mind. On this edition of Ringgit and Sense, Roshan speaks to Dato Hamidah and Raymond Gabriel for their thoughts on investing principles, common investing mistakes, and general financial wellness. See omnys...

Bankruptcy. While we've heard the term & probably used it in conversation, what does it really mean in Malaysia? Roshan explores this, as well as the implications and impacts of bankruptcy on an individuals life, and the way out of it. Roshan and Nirmala also discuss the common causes of bankruptcy, what happens to the individual's assets, how it could impact your spouse's finances, and more....

This year Bank Negara has cut rates 4 times, taking the OPR from 3% to 1.75%. This is the lowest level since 2004. While the central bank has done this to help stimulate the economy, it’s also punishing savers as Fixed Deposit rates have also fallen. As savers look for the best rates for their cash, one of the options that has come up is Stashway Simple. Roshan speaks to Ken about their new...

What are the differences between gold and stocks? Gold is the hedge as old as time. It’s widely regarded as a store of value, and it traditionally behaves inversely to the stock market. However in recent times we’ve seen stocks and gold go up together, with gold prices reaching all time highs, levels not seen since 2011, while the stock market is booming, with US markets hovering aroun...