Ringgit and Sense

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...

In light of the fact that we’re entering the last month of the year, Roshan speaks to tax consultant Thannee about how best to prepare for your next tax filing, especially when it comes to maximising tax relief to pay the right amount of taxes. They also talk about how to deal and prepare for an audit and Thannee's thoughts on Budget 2020. See omnystudio.com/listener for privacy information.

When should you start a retirement fund for your child? How much does a kid cost today? How do we teach kids about money and finances? In conjunction with World Children's Day, Roshan addresses these with Steve Lim, as well as teaching the value of money, managing instant gratification, showing the power of compounding interest, and more. If you've got questions, comments, suggestions or stories,...

When should you start a retirement fund for your child? How much does a kid cost today? How do we teach kids about money and finances? In conjunction with World Children's Day, Roshan addresses these with Steve Lim, as well as teaching the value of money, managing instant gratification, showing the power of compounding interest, and more. If you've got questions, comments, suggestions or stories,...

Roshan speaks to Joyce about the practicality of the FIRE movement as well as calculating and re-thinking retirement. See omnystudio.com/listener for privacy information.

Roshan explores houses, renting & car loans with Robert and also talks about the upcoming Ringgit And Sense Live happening in 2 weeks. See omnystudio.com/listener for privacy information.

Have you written your will? Do you even need one? Roshan explores this with Sheila, as well as what makes a good will, when you should write one and more. They also get into the role depositories play in the estate planning ecosystem. See omnystudio.com/listener for privacy information.

Money and finance can be complicated matters and the question often comes up, do you need a financial advisor? And if you do, where do you start or how do you choose an advisor?  Roshan addresses these questions and more with Alvin Tan, President of the Association of Financial Advisors. They also get into fee-only versus commission based financial planning. See omnystudio.com/listener for pr...

Money and finance can be complicated matters and the question often comes up, do you need a financial advisor? And if you do, where do you start or how do you choose an advisor?  Roshan addresses these questions and more with Alvin Tan, President of the Association of Financial Advisors. They also get into fee-only versus commission based financial planning. See omnystudio.com/listener for pr...

Roshan speaks to Hann about this and benefits that slipped under the radar, as well as getting Malaysians back to work, the new top income tax bracket and his other takeaways from Budget 2020. They also get into the government's apparent digital push, the consumer digital service tax, and inflation. See omnystudio.com/listener for privacy information.

Roshan speaks to Hann about this and benefits that slipped under the radar, as well as getting Malaysians back to work, the new top income tax bracket and his other takeaways from Budget 2020. They also get into the government's apparent digital push, the consumer digital service tax, and inflation. See omnystudio.com/listener for privacy information.