Ringgit and Sense

On the back of the launch of EPF’s online investing platform, Roshan speaks to Ming Hui about the merits of the platform, what to pay attention to and whether it’s for you. See omnystudio.com/listener for privacy information.

Most of us are well aware that we should be saving money, but like all good advice, it's easier said than done! Roshan Kanesan speaks to Suraya Zainudin on the struggle of saving money as well as her thoughts and    methods to manage personal finances. See omnystudio.com/listener for privacy information.

Most of us are well aware that we should be saving money, but like all good advice, it's easier said than done! Roshan Kanesan speaks to Suraya Zainudin on the struggle of saving money as well as her thoughts and    methods to manage personal finances. See omnystudio.com/listener for privacy information.

Is there a    difference between being cheap and frugal? What about speculating and investing? Well if you're not sure, Roshan Kanesan speaks to financial blogger Aaron Tan about these difference and other common misconceptions we have about money. See omnystudio.com/listener for privacy information.

Is there a    difference between being cheap and frugal? What about speculating and investing? Well if you're not sure, Roshan Kanesan speaks to financial blogger Aaron Tan about these difference and other common misconceptions we have about money. See omnystudio.com/listener for privacy information.

Roshan speaks to Robert about financial literacy, the essence of financial planning and EPF’s e-Members Investment Scheme.   See omnystudio.com/listener for privacy information.

Are you insured sufficiently? Can you live healthy on a budget? Is your office cover enough? How much of your budget should be allocated to insurance?  Roshan Kanesan speaks to Annie Hor about these and more in this episode of Ringgit and Sense.  See omnystudio.com/listener for privacy information.

Are you insured sufficiently? Can you live healthy on a budget? Is your office cover enough? How much of your budget should be allocated to insurance? Roshan Kanesan speaks to Annie Hor about these and more in this episode of Ringgit and Sense.  See omnystudio.com/listener for privacy information.

Are you insured sufficiently? Can you live healthy on a budget? Is your office cover enough? How much of your budget should be allocated to insurance?  Roshan Kanesan speaks to Annie Hor about these and more in this episode of Ringgit and Sense.  See omnystudio.com/listener for privacy information.

Should you have dividend paying-firms in your portfolio? What is a dividend trap? Where do dividends come from? Roshan Kanesan speaks to Rajen Devadason about Capitalism, the concept of the capital markets and dividends. See omnystudio.com/listener for privacy information.

ETFs have exploded over the last decade, but how much do you know about them? On this digital only episode of Ringgit and Sense, Roshan Kanesan and Wong Wai Ken of Stashaway discuss ETFs, the pros, the cons and what to watch out for. See omnystudio.com/listener for privacy information.

Do you want to invest, but just don’t know how to start? With markets at all time highs, it can be nerve-wrecking to start or continue investing. On this episode Roshan Kanesan speaks to Wong Wai Ken, of robo-advisory Stashaway, about investing strategies, dollar-cost averaging and actively versus passively managed funds. See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Nirmala Subramaniam of AKPK and financial planner Warren Mak about the common mistakes young people make, why saving just isn’t enough and how to think about investing. See omnystudio.com/listener for privacy information.

Expiry dates. Leverage risks. Liquidity risks. Warrants are a complex and divisive financial product. In this episode, Roshan hopes to break down this derivative product with Isabelle and ask the big question: are warrants a sustainable financial product or simply a gambling tool? See omnystudio.com/listener for privacy information.

Today on Ringgit and Sense, Roshan Kanesan speaks to Azraei Muhammad, a Takaful planner at Great Eastern Takaful, about the cost of higher education and factors to think about before committing to a Masters. See omnystudio.com/listener for privacy information.

The markets have generally been quite volatile this year, last week especially so when we saw the markets whipsaw. The Nasdaq took a hit, entering correction territory before recovering, closing up 4% at the end of the week. Roshan speaks to Joyce Chuah, about the need for emotional capital, financial behaviours to keep tabs on and investing strategies to utilise. See omnystudio.com/listener for p...

Roshan Kanesan speaks to Idham about the cost of personal connectivity. With the dawn of the age of the smartphone, the internet has essentially become a necessity and sometimes that can hurt our wallets. Telcos are offering us more minutes and gigabytes but is more really better? How much data should you get? Are you overspending? Should you choose postpaid or prepaid? Should you get a phone with...

Roshan Kanesan speaks to Hari Shivan, CEO of SoCash, a company that wants to change the supply chain of cash which could mean a future without ATMs- or just a lot less. SoCash wants to leverage the region’s level of cash dependance and possible see the Uberification of cash distribution and maybe even other financial services. See omnystudio.com/listener for privacy information.

On the back of strikes from Uber drivers and Uber’s lacklustre IPO, Roshan speaks to Robert Foo on the state of the gig economy. They’ll be getting into the importance of financial planning, especially since the lack of it here could land you in a lot of trouble, because you’ve got to do your own taxes and retirement planning since there’s no EPF or monthly tax deductions....

The tax season is coming to an end but maybe it’s not too early to start thinking about the next one. Roshan speaks to Thannee about ways to better plan next year’s taxes and possibly save some money, legally of course. Thannee also explains the differences between tax planning, tax avoidance and tax evasion. See omnystudio.com/listener for privacy information.

A few weeks back, EPF released the Belanjawanku expenditure guide. Roshan gets Joyce’s thoughts on the guide, reasons why we should definitely keep track of our expenses and why property may not be the best asset for you. See omnystudio.com/listener for privacy information.

A few months ago Marie Kondo was all the rage with her method for decluttering and tidying up.  Roshan speaks to Yap about how we can apply some of this to our own financial lives. See omnystudio.com/listener for privacy information.

With all the talk around bond yield curves and what they could mean for the economy, Roshan speaks to Zulfadzlie to get a better understanding of bonds, yield curves and what it means when yield curves invert. See omnystudio.com/listener for privacy information.

What do you need to know about getting audited, keeping documentation and the Special Voluntary Disclosure Program? Thaneermalai helps to clear up these issues. Roshan also speaks to Thanneermalai about Dato Seri Najib Razak’s recent RM1.5 billion tax bill. See omnystudio.com/listener for privacy information.

Why do you need credit score? Will not having one adversely affect you, whether now or in the future? Roshan and Dawn hope to shed some light on this important topic that is often taken for granted. See omnystudio.com/listener for privacy information.