Ringgit and Sense

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.

Global stocks have endured several bouts of volatility so far this year. Rajen shares 4 lessons as to how investors can stay true to their personal financial goals amidst these turbulent times. See omnystudio.com/listener for privacy information.

Securities Commission Malaysia's 2017 Annual Report acknowledged the 'early success' seen by peer-to-peer financing platforms. Kristine recounts the traction that Peoplender's platform has gained since launching in July 2017, and shares the risks and opportunities for those considering this alternative financing avenue. See omnystudio.com/listener for privacy information.

Hong Kong billionaire Li Ka-shing announced his retirement on March 16, officially handing over the reigns of his business empire to his son Victor Li. What can we learn from the elder Li about having a well-prepared succession in place? Lawrence walks us through the options available to Malaysian businesses. See omnystudio.com/listener for privacy information.

Malaysia's first US dollar-denominated, Shariah-compliant security, called MyETF-50 recently made its debut on Bursa Malaysia. Meanwhile, the Securities Commission Malaysia is expecting to announce the nation's first robo-advisor by June. What does all this mean for your investment strategy? Julian weighs in. See omnystudio.com/listener for privacy information.

We discuss the rising cost of healthcare in Malaysia and the cost difference between private and public hospitals. We also talk about what needs to be done to prepare financially for our future medical needs. See omnystudio.com/listener for privacy information.

Warren Buffett has just released his highly-anticipated annual letter to shareholders of Berkshire Hathaway. Rajen highlights 3 lessons on investing that we can all learn from the Oracle of Omaha. See omnystudio.com/listener for privacy information.

Today we take a look at bankruptcy and financial distress. We discuss signs of financial distress and how to seek help and repair the damage. See omnystudio.com/listener for privacy information.

We have a special episode of Ringgit & Sense to celebrate Chinese New Year. Many of us are certainly excited about receiving ang pows and eating good food to celebrate this festival. However, as with all festive periods, we should be careful about how much we spend. Joyce Chuah and Lee Mun Wai -- licensed financial planners -- share their takes on how to best manage your personal finances duri...

Rajen shares his insights on the dos and dont's of leaving an inheritance for your children. See omnystudio.com/listener for privacy information.

We speak to Jasmine and Chune from financial comparison site GoBear Malaysia on how to choose the best credit card for one's needs.  See omnystudio.com/listener for privacy information.