Ringgit and Sense

Tan Chung Han speaks to K. Gunesegaran, Financial Planner and Money Coach, Wealth Street about behavioural coaching. They get into a range of behaviours that investors face when dealing with investment decisions and how to manage them. See omnystudio.com/listener for privacy information.

Digital assets have become a big part of our lives yet many of us do not plan for them as we do physical assets. Photos, videos, emails, social media, and cryptocurrency are part of your estate and if left without a plan your family could be left without access to these assets. See omnystudio.com/listener for privacy information.

Tan Chung Han speaks to Kalyani Nair about the role that digital tools and platforms can play in achieving our financial goals. See omnystudio.com/listener for privacy information.

Joyce shares advice and tips to help firm up our personal finance plans for the new year. See omnystudio.com/listener for privacy information.

Joyce shares some strategies on how to manage our finances well during the Christmas season. See omnystudio.com/listener for privacy information.

We speak to Dennis about data breaches in the digital age, and the steps CTOS is taking to protect consumers. He also explains some of the steps consumers can take to protect themselves.  Dennis also speaks about alternative data scores, and how they increase financial inclusion.  See omnystudio.com/listener for privacy information.

Rafiz explains PIDM's mandate which seeks to protect your bank deposits, insurance policies and benefits. We will be discussing how PIDM protects your deposits in the bank as well as your takaful and insurance benefits in the unlikely event of a failure of a member bank or insurer member. See omnystudio.com/listener for privacy information.

Kevin explains the concept of the 5 percent withdrawal rate for retirement, and the various factors that contribute to a financially sustainable retirement. See omnystudio.com/listener for privacy information.

Malaysia is included in Standard Chartered's Emerging Affluent Study for the first time in 2018. The report reveals some fascinating insights into the financial habits and trends among Malaysians earning about RM8,000 per month or higher. How much of the local population does the emerging affluent include, and how financially savvy are they? Plus, as more digital financial tools become available,...

Does gambling have a place in our wealth accumulation strategy? Are there physiological factors that drive such behavior? Rajen shares his insights. See omnystudio.com/listener for privacy information.

Ching shares with us the expected winners and losers from Budget 2019, and how we can start positioning our personal finances in anticipation of next year's fiscal measures. See omnystudio.com/listener for privacy information.

AKPK is about to unveil results from its survey into the financial habits of Malaysian working adults. Mohammad Mafrukhin shares with us a preview of his findings, while outlining the role emotions and employers may play in our overall financial well-being. See omnystudio.com/listener for privacy information.

Linnet shares how FPAM is using an online platform to help raise the level of financial literacy in Malaysia. See omnystudio.com/listener for privacy information.

Robert helps us derive personal finance lessons from comments made so far by the Prime Minister and the Minister of Finance about the upcoming Budget 2019. See omnystudio.com/listener for privacy information.

As Malaysia contends with an ageing population, the government is mulling raising the retirement age. Joyce shares some ways to ready ourselves financially for retirement. See omnystudio.com/listener for privacy information.

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.