Ringgit and Sense

With Cybercrime on the rise, how can we better protect ourselves & our identities? Many aspects of our lives have become digital, from the way we communicate to the way we move money around, and we’ve seen this accelerate during the pandemic as the physical world shut down and people moved online. Now while the digital world has been convenient and powerful, there are growing concerns ov...

How does takaful differ from insurance? What do you need to pay attention to when choosing a plan? How does it play into estate planning? Roshan gets into these and more with Shahrul Azlan Shahriman of Great Eastern Takaful. See omnystudio.com/listener for privacy information.

Asset allocation is essential to any investment strategy, but what does that really mean? Today Roshan gets into the purpose of allocation, relationship between stocks & bonds, as well as a look at other assets like gold, property and bitcoin, with Danny Wong, CEO of Areca Capital - fund manager and certificate financial planner. See omnystudio.com/listener for privacy information.

As the United States prints more US Dollars to fund its COVID-19 related economic recovery, Bitcoin has gained more prominence, alongside gold, as a hedge against the potential devaluation that the world’s reserve currency could face. Bitcoin is up around 70% over the last 3 months, now trading around RM40, 000 per Bitcoin. On this episode, Roshan explores the basics of Bitcoin, where it get...

Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity. So today Roshan explores the basics and merits of passive investing, the argument against stock picking and why not all ETFs are created equal. Photo taken from past interview. See omnystudio.com/listener for privacy information.

Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity. So today Roshan explores the basics and merits of passive investing, the argument against stock picking and why not all ETFs are created equal. Photo taken from past interview. See omnystudio.com/listener for privacy information.

Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this with Felix Neoh of Finwealth Management. Mentioned Shows: High Dividend Stocks: What to Pay Attention To (link: https://www.bfm.my/podcast/morning-run/ringgit-and-sense/high-dividend-stocks-what-to-pay-attention-to ) See omnystudio.com/listene...

Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this with Felix Neoh of Finwealth Management. Mentioned Shows: High Dividend Stocks: What to Pay Attention To (link: https://www.bfm.my/podcast/morning-run/ringgit-and-sense/high-dividend-stocks-what-to-pay-attention-to ) See omnystudio.com/listene...

Why should you care about #CreditScores? Roshan speaks to Hann about the importance of credit scores as well as the dos & don'ts, how Credit Scores work and tips to maintain (or improve) your score. See omnystudio.com/listener for privacy information.

If you can afford it, is it a good time to buy a car with car sales down & lower interest rates? Roshan Kanesan speaks to Joyce Chuah, CEO of Success Concepts and licensed financial planner with Principal Asset Management on this. They also get into things to watch when getting a car loan, whether buying a car in cash is a good idea and possible merits of car subscriptions & e-hailing. See...

What should we learn from the pandemic? How do we invest during a recession? Roshan speaks to personal finance blogger Aaron Tang, a.k.a. Mr. Stingy, on these as well as tips on managing finances and Aaron thoughts on recession. Photo was taken last year. See omnystudio.com/listener for privacy information.

With the way markets have been over the last decade, is value investing still relevant? On this episode, Roshan speaks to fund manager & investor Jack Kouzi about this, as well as investing principles, assessing stocks & what he would tell his younger self. See omnystudio.com/listener for privacy information.

On this episode we revisit BFM's Personal Finance Webinar from last week - How To Manage Your Family Budget During and After MCO. In this episode we revisit Fateen and Samantha's thoughts on practical tips on managing spending, the 3 jar system, the envelope system and addressing some questions that came in during the webinar, including whether to continue investing during this period. See omnystu...

On this episode we revisit BFM's Personal Finance Webinar from earlier in the week - 'How to Construct Financial Plans that can Weather Any Crisis'. In particular this episode revisits attributes of a good plan, how much does a financial plan cost and a wide range of questions from the webinar watchers. See omnystudio.com/listener for privacy information.

Last week BFM hosted a personal finance webinar taking a look at the impact of the Movement Control Order on our personal finances and aimed to help you build a checklist to get your through this. In this episode of Ringgit and Sense we revisit the impact of the MCO to cash flow and how to balance between staying invested and raising money for financial needs. Catch the whole Facebook Live convers...

What are the basics to planning for retirement? Is retirement realistic considering that we're living longer? What can the pandemic teach us about retirement planning? Roshan speaks to Pei Si about this and more on this episode of Ringgit & Sense. See omnystudio.com/listener for privacy information.

How do employment arrangements work in Malaysia? Can employers unilaterally cut salaries? What options do employees have if there are disagreements with employers? Roshan discusses all this and more with Labour and Industrial Relations Lawyer, Mohan Ramakrishnan, on this episode of Ringgit & Sense. See omnystudio.com/listener for privacy information.

Should you take up the current low interest rates and buy a house or a car? If you were already planning a big ticket purchase before the MCO, should you continue with it? What about how to put your money to work during this time, are dividend yields the way to go? What should you watch out for when looking at stocks with high dividends? Roshan discusses all this with financial planner, Joyce Chua...

As the MCO and COVID-19 changes the way we work and live, is it maybe time to start a home business, especially if you're worried about incomes and job security? Roshan also speaks to Raymond about how to cut costs in our lives, making use of financial aid and the key lessons to take from this crisis. See omnystudio.com/listener for privacy information.

In our continued coverage of the Prihatin Stimulus Package and managing personal finances with the MCO and COVID-19 in mind, Roshan speaks to Idham about: - How to apply for aid in the Stimulus Package - Reasons to continue with the loan moratorium and how to manage it - Important lessons we have to learn from this crisis - How to look at investing right now See omnystudio.com/listener for privacy...

BFM held its first ever webinar last week where we spoke to Nirmala of AKPK about loan  moratoriums. Amongst the questions that we got into include: - What is a loan moratorium? - If I don't opt out, will I end up paying more? - How does it differ from a car loan to a mortgage? - What about converting my credit card debt into a term loan, what's the advantage there? - Will this impact my cred...

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We got into cash aid from the Stimulus, thoughts on EPF withdrawals, concerns over unemployment & more. See omnystudio.com/listener for privacy information.

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We got into cash aid from the Stimulus, thoughts on EPF withdrawals, concerns over unemployment & more. See omnystudio.com/listener for privacy information.

We speak to Ming Hui for his thoughts on managing your investments in this volatility and how to prepare financially for a crisis. See omnystudio.com/listener for privacy information.

It’s no secret that the market has been hit hard, not just in Malaysia but of course the globe. So today on Ringgit & Sense we’re going to try and address concerns around all the volatility we’ve seen and how we can best manage all the red in our portfolios. See omnystudio.com/listener for privacy information.