Ringgit and Sense

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...

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...