Ringgit and Sense

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.

On this episode Roshan explores debt and bankruptcy with Nirmala of AKPK, getting into key pillars of debt management, options if you’re having issues with debt and the importance of a credit score. See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations. See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations. See omnystudio.com/listener for privacy information.

With the Tax Season incoming, Roshan gets into tax questions from listeners on this edition of Ringgit Q&A. Amongst the questions that were asked include: - Where do I start? - What are the differences between relief, rebate & exemption? - Should I file with my spouse? - How can I ensure I’m claiming everything I’m entitled for? - What happens if you are audited and don’t...

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers. Bain released a report on the future of Digital Financial S...

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers. Bain released a report on the future of Digital Financial S...

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced. Aaron also gets into his experience planning his wedding and the lessons...

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced. Aaron also gets into his experience planning his wedding and the lessons...

To buy or not to buy a house? That is generally a question we get here on Ringgit & Sense. Following on from our first Ringgit Q&A last week, today we speak to Julian Ng to dive into his perspective on property, consideration when buying or renting and his take on a decision formula here. Roshan also asks him about the concentration and liquidity risks that come with buying property, takin...

And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic investing strategies and how to think about saving for retirement, as well as what kind of returns we should aim for and thoughts on property. See omnystudio.com/listener for privacy information.