Ringgit and Sense

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.

Can you sell your house but continue to live in it till you die, rent-free? Home Equity Release might just be the plan for you. Roshan speaks to Rajen and Soelan about retirement planning and ways to cash in and monetise the equity in your house to fund your retirement. See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to lawyer Sam Choong about Estate Planning, and some of the structures that can be utilised when planning for assets, namely companies and trusts. See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Nurhisham about the Belanjawanku expenditure guide from the EPF and Social Wellbeing Research Centre (SWRC) They take a closer look at the guide and try to address some of the comments and criticism that have come up since Belanjawanku was launched last week. If you have any questions or comments, please let us know on Twitter at @BFMradio See omnystudio.com/listener...

Roshan Kanesan speaks to Robert Foo about the ways to manage excess cash that we might have considering that bonus season has just passed. See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Verinderjeet about our favourite financial topic, taxes. Verinder helps to break down some of the complexity in the system, from what makes up chargeable income to what you need for an audit. Roshan also asks about the differences between deductions, reliefs and rebates in the hopes of clearly delineating these terms. See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Rajen Devadason about EPF’s recent dividend announcement, the different ways to use Account II in the long run and some optional investment strategies for Account I funds. See omnystudio.com/listener for privacy information.

Today Roshan Kanesan speaks to Freddy Lim, Co-Founder and Chief Investment Officer of StashAway about robo-advisors, ETFs and the Stashaway platform. See omnystudio.com/listener for privacy information.

Liew Ooi Hann speaks to Roshan Kanesan and Tan Chung Han about RinggitPlus’ Experian led investment and what that means for both RinggitPlus and us, their users. Clarification: In the original interview, it was mentioned that Experian invested $10 million in Jirnexu. To clarify for accuracy, Experian led the $10 million Series B follow on investment in Jirnexu. See omnystudio.com/listen...

Following up from last week’s financial planning episode, today Roshan Kanesan explores the basics of insurance with Mitul Lakhani, CEO of iMoney Group. So if you’re confused about how to even start protecting yourself, this could be the episode for you. See omnystudio.com/listener for privacy information.

Amidst all the volatility in the financial markets, planning your financial goals and resolutions can be difficult but not impossible. Roshan Kanesan speaks to Steve Lim about the different elements we should be paying attention to when building a comprehensive financial plan. See omnystudio.com/listener for privacy information.