Ringgit and Sense

Six years ago, Lee Ching Wei co-founded the financial comparison website, iMoney, with the aim of helping Malaysians "make intelligent decisions on money matters". In this episode of Ringgit and Sense, Ching highlights the importance of a personal credit score, while dispelling some myths and sharing some tips along the way. See omnystudio.com/listener for privacy information.

Lawrence shares the importance of estate planning, as Malaysians live longer and gather more wealth along the way. See omnystudio.com/listener for privacy information.

Jamie shares some strategies on how to better arrange your finances in order to fund your child's studies abroad. See omnystudio.com/listener for privacy information.

With China's richest man, Jack Ma, recently announcing that he will retire from Alibaba a year from now, Rajen helps us understand what retirement really means and how best to prepare for it. See omnystudio.com/listener for privacy information.

Desmond points out some financial and non-financial factors that have to be taken into consideration when purchasing property. See omnystudio.com/listener for privacy information.

Nirmala shares tips on how to plan a wedding that's within our means, along with strategies for a financially-sound 'happily ever after'. See omnystudio.com/listener for privacy information.

Tan Chung Han and Roshan Kanesan speak to Yap about 'hybrid wealth management'. A system aimed at millennials that can complement the existing ecosystem in helping investors achieve their respective financial goals. They ask what differs wealth management from retirement planning, potential pitfalls of the jumping jobs and gig economy, the importance of building a savings habit and the critic...

Nirmala helps us identify and avoid common pitfalls when buying a car. She talks about guiding principles and common mistakes when it comes to buying a car - the differences between car loans and mortgages amongst other things. See omnystudio.com/listener for privacy information.

Mafrukhin shares tips on how to manage our credit cards well, while dispelling myths and misconceptions about using this financial facility. See omnystudio.com/listener for privacy information.

We tackle the issue of student loans, especially PTPTN. Our guests KC Wong, CEO of Credit Bureau Malaysia and Rohani Mohd Shahir, founder Hijrah Wealth Management help us look into the problems, benefits and tips on how students can manage their loans better. Pn Rohani is also featured on the second episode of BFM's 'Rumit' series. See omnystudio.com/listener for privacy information.

Fazrul shares some tips for millennials to make 'adulting' less complicated, as they begin financially preparing themselves for retirement. Fazrul is also featured on the first episode of BFM's 'Rumit' series. See omnystudio.com/listener for privacy information.

It's imperative that Malaysians understand the importance of a credit score and how it pertains to our personal finance. Dennis shares some tips on how to obtain and maintain a good credit profile. See omnystudio.com/listener for privacy information.

Jamie shares the merits for diversifying one's financial portfolio, not just geographically but also across asset classes. See omnystudio.com/listener for privacy information.

Rajen talks about saving and investing. We also discuss the strategy of borrowing to buy assets -- is that good personal finance? Rajen thinks we should borrow to buy real estate but not to buy equities. He also shares on how one should pay off their loans. Should we pay off the smallest amount of loan first in terms of value or the loan with the highest interest rate? Listen in. See omnystudio.co...

Robert Foo sheds some light on the basics of investing in gold. He speaks on the benefits and drawbacks of having gold as part of your investment portfolio, and why it may not be the safe haven it's touted to be.  See omnystudio.com/listener for privacy information.

Pramod explains key concepts in behavioral economics, with the aim of helping us improve our investment decisions. The idea is to recognize and mitigate our emotions and cognitive biases that may lead to irrational behaviour in the markets. See omnystudio.com/listener for privacy information.

On this Hari Raya eve, Anuar shares some tips on managing our personal finances during this festive season. See omnystudio.com/listener for privacy information.

Rajen Devadason, CEO of RD WealthCreation draws parallels between Malaysia's RM1 trillion national debt to our personal finance obligations. He shares why when it comes to debt - be it personal or national - honesty is always the best policy. See omnystudio.com/listener for privacy information.

With all this talk about the Federal Government's debt exceeding RM1 trillion, what about our personal credit profiles?  KC outlines potential pitfalls that Malaysians can avoid, in order to maintain a healthy credit score. See omnystudio.com/listener for privacy information.

At the onset of 2018, the Malaysian Employers Federation expected 50,000 retrenchments this year. Is the gig economy a viable alternative? Raymond outlines the pros and cons of finding income outside of a regular 9-5 job. See omnystudio.com/listener for privacy information.

Post-GE14, Malaysians have seen a seemingly endless stream of news updates. Amid all this newsflow, how can we ensure we stay the course in achieving our financial goals? Lawrence helps us digest macroeconomic indicators, and other tips that may help shape our portfolios. See omnystudio.com/listener for privacy information.

We tackle the age old chicken and egg question of personal wealth, should I save or should I invest first? Helping us look into this is our regular guest, Rajen Devadason who gives some sagely insights into the concept of the risk-reward relationship.  See omnystudio.com/listener for privacy information.

Losing your job is a very daunting prospect, so today we focus in on this and consider how one can best prepare, or mitigate, the effects of retrenchment. See omnystudio.com/listener for privacy information.

In the next three years, one in 10 Malaysians will be aged 60 and above. By 2040, the ratio is projected to be one in five Malaysians, and the country would have already reached ageing nation status. In light of these facts we take a look at the 'aged care' industry in Malaysia and the cost involved in growing old and taking care of oneself. See omnystudio.com/listener for privacy information.

Even with rising concerns of a US-China trade war, CIMB Principal's CIO is still bullish on equities in the world's second-largest economy. Patrick also outlines some investment strategies for Malaysian retail investors. See omnystudio.com/listener for privacy information.