Ringgit and Sense

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.

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.

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm. See omnystudio.com/listener for privacy information.

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm. See omnystudio.com/listener for privacy information.

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that the way to address this is through a national scheme championed by the government, but how would something like that look like? We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs,...

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that they way to address this is through a national scheme championed by the government, but how would something like that look like? We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs,...

How much do you need for retirement? Is the EPF basic requirement of RM240,000 really enough? What can you do to maximise your EPF? What is EPF Account 1 and Account 2? Roshan Kanesan gets into all these and more with Balqais Yusoff for an EPF perspective on retirement planning. See omnystudio.com/listener for privacy information.

It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for goal setting in 2020! They get into their own goals, systems they use, general thoughts on goal setting and some tips from their experience. See omnystudio.com/listener for privacy information.

It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for goal setting in 2020! They get into their own goals, systems they use, general thoughts on goal setting and some tips from their experience. See omnystudio.com/listener for privacy information.

Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding. We also get into the Putrajaya LIFT 2019 happening this weekend. See omnystudio.com/listener for privacy information.

Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding. We also get into the Putrajaya LIFT 2019 happening this weekend. See omnystudio.com/listener for privacy information.

As digital services and online payments become more popular, it's very important to protect yourself from the increase in online scams and fraud. Roshan speaks with Subhashish about what to watch out for, how to better protect yourself and why the festive season is generally a time to be more cautious with online payments.  See omnystudio.com/listener for privacy information.

As digital services and online payments become more popular, it's very important to protect yourself from the increase in online scams and fraud. Roshan speaks with Subhashish about what to watch out for, how to better protect yourself and why the festive season is generally a time to be more cautious with online payments.  See omnystudio.com/listener for privacy information.

Today on Ringgit and Sense, Roshan gets into the Private Retirement Scheme, especially as the year ends and people look for ways to maximise their tax reliefs. However if you've already got EPF, do you need to lock up your money with a PRS as well? Roshan gets into fees and competition for PRS funds, as well as a look at REITs as Manulife looks to Asia Pacific for its Reit funds. See omnystudio.co...

Digital Investment Management, or roboadvisors, look to be a cheaper and easier tool for investing over the long term. On this episode, Roshan speaks to a new entrant into the Malaysian scene, Mytheo, about the benefits of using a service like this for your money, their own offering as well as best practices for investing.  If you've got questions, comments, suggestions or stories, please get...

Digital Investment Management, or roboadvisors, look to be a cheaper and easier tool for investing over the long term. On this episode, Roshan speaks to a new entrant into the Malaysian scene, Mytheo, about the benefits of using a service like this for your money, their own offering as well as best practices for investing.  If you've got questions, comments, suggestions or stories, please get...