Ringgit and Sense

Death and taxes are unavoidable but loans might also classify as few of us would be able to buy a house with cash. How then should we navigate this world of loans that has its own terminology? Karl Ng, Founder of Bluebricks, a local loan agency helps us make sense of this. Image Credit: freepik.com See omnystudio.com/listener for privacy information.

The share price rally of the Magnificent Seven has been astounding but how does one actually value a technology company? How do you differentiate substance from hype?  Kelvin Goh, a portfolio manager at R3 Asset Management Pte Ltd will help us answer that question and more. See omnystudio.com/listener for privacy information.

As we reach certain milestones in our life, its timely to reflect on the financial mistakes we may have made along the way. Felix Neoh, Director of Financial Planning, Finwealth Management joins us for that discussion whilst reminding us how to recover from them. See omnystudio.com/listener for privacy information.

Considering a career change is a decision many of us ponder at least once in our lives. How can we be sure it's the right choice, and how do we overcome the financial fears associated with taking that first step? Idham Idris, Director of Corporate Treasury Investment Services and Licensed Financial Planner at Wealth Vantage Advisory Sdn. Bhd guides us through navigating this potentially life-chang...

We continue our series on how to manage the estate of a loved one who has passed on but in the final part, we ask what happens when there is no will? How does getting a letter of administration differ from a grant of probate. Gerald Samuel, a lawyer with 35 years experience tells us. See omnystudio.com/listener for privacy information.

The death of a loved one is already traumatic enough but dealing with the estate can be complex and overwhelming. But things can be made easier with a will if you plan ahead. We Speak to Gerald Samuel , a lawyer with 35 years experience as to how to obtain that grant of probate. See omnystudio.com/listener for privacy information.

For many Muslims, performing the pilgrimage to Makkah, whether for the Hajj or Umrah, is a once in a lifetime experience, but it comes with a hefty price tag. What are the financial factors that Muslims should consider as they plan for these important trips? We discuss planning for pilgrimage with Suraya Zainudin, Founder of the Financial Blog, Ringgit Oh Ringgit .  Ringgit & Sense was po...

On Ringgit and Sense today we delve into the growing mountain of student debt. Dr. Amirul Rafiq Abu Rahim, a Research Associate at the Khazanah Research Institute, sheds light on whether tertiary education truly facilitates upward mobility, the disproportionate burden of educational debt on lower-income households,  and whether there is a case for universal student loan debt forgiveness. Ring...

In the world of finance, there are often terms bandied about like preference shares, interest schemes and even cash trust. Lawyer Dr Seow Hock Peng, who is also Lecturer of Law at Tunku Abdul Rahman University of Management and Technology shares with us their differences, and how you should spot a red flag. Ringgit & Sense was powered by Sun Life Malaysia. Life is brighter under the sun....

Buy now pay later services have made it tempting to split a purchase into a few installments. But has it also given us a false sense of our purchasing power?  Shereen Hazirah Hishamudin, Senior Research Associate, at Khazanah Research Institute joins us to discuss what are the consumer protection in place at the moment, who is more prone to the risks of falling into a cycle of high debt, whet...

We delve into the financial mindset of young Malaysians with Peter Yong, Co-Founder and CEO of Mr. Money TV. We'll discuss whether it's fair to say they spend excessively and struggle to save against the backdrop of stagnating wages and rising living costs. We also dive into some very practical financial advice and the importance of the right mindset. See omnystudio.com/listener for privacy inform...

Buying a house and turning it into a home is on the wish list of most but due to high building material and labour cost, how should you budget for your renovation? Kenneth Tan, a first time home buyer shares his experience so that we can avoid the expensive mistakes but also know where the cost savings are. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under...

Cryptocurrencies are increasingly mainstream with the launch of ETF's but what are the pitfalls of this asset class and will it replace fiat currencies one day? Andy Baehr, Managing Director at CoinDesk Indices tells us and also what are the lessons from the recent FTX trial and the fall of its founder, Sam Bankman Fried. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is...

Last week, EPF has reorganized its existing two accounts into three to include the new flexible account for all members under the age of 55. Licensed financial planner, Angie Ng joins us to discuss the details of these changes, who and when you should dip into the new account. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun. See omnystudio.com/lis...

Death and taxes are said to be two unavoidable things in life which is why estate planning is an essential part of financial planning. Nor Fazlina, Chief Executive Officer, Maybank Trustees Berhad shares with us the difference between a will and a trust and the unique challenges women as well as Muslim women face in estate planning. Ringgit & Sense is powered by InsureLit from Sun Life Malaysi...

The most famous value investor is Warren Buffett but what does this style of investing mean? Faridq Ridzuan, Vice President of CFA Society Malaysia  discussed the basics of it,  how to identify a value stock and the importance of portfolio construction. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun. See omnystudio.com/listener for priv...

As part of the series on insurance this month, we delve into the 101 of Takaful. Idi Irwan, Executive Director of Bill Morrisons explains to us how Takaful is different from conventional Insurance products and the unique feature of surplus and deficit sharing. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun. See omnystudio.com/listener for privacy...

Insurance planning  for the family is often neglected but we speak to Antony Lee, President, Persatuan Insurans Am Malaysia as to why this is critical. He shares with us what considerations must be made from marriage to having children and even for the home. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun. Image Credit: Shutterstock.com See o...

Insurance is an often overlooked part of financial planning but why is it a critical part that should not be ignored? Dr Selina Dang, Licensed Financial Planner, Coreplus Advisory tells us whilst giving us some tips on what insurance to buy and how much one should set aside for it. Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun. Image Credit...

The year has started well with Bursa Malaysia in positive territory on a year to date basis but at the same time, there was a flurry of stocks which hit limit down over successive sessions. A reminder that markets can be rewarding yet volatile. Stephanie Tan, Head of Investor Strategy and Development at Bursa Malaysia tell us what tools they have in house which will help the retail investor overco...

As we draw close to the end of the lunar new year and start tallying our angpau haul, we discuss how guardians and parents can use this windfall money to impart financial literacy, especially with Raya happening in less than 2 months. Nalissa Suria, Project lead at Arus Academy shares the different ways to guide children in utilizing the money to maximize their learning potential, besides the “I’l...

The recent volatility of selected counters was a timely reminder that equity investing is not to be pursued without the right mindset and skills. Ng Zhu Hann, CEO & Founder at Tradeview Capital gives us some advice on what to adopt and how it can be rewarding when the right tools are in place. Ringgit & Sense was powered by Sun Life Malaysia. Life is brighter under the sun....

Indonesian voters have spoken - unofficial results indicate that defence minister Prabowo Subianto has won the presidential election by a comfortable margin. What does this mean for the policy direction of the country? We get colour and analysis from journalist Erin Cook who’s on the ground in Jakarta. Image credit: EPA-EFE See omnystudio.com/listener for privacy information.

It is Chinese New Year time again. In this special episode, Master Kenny Hoo of Good Feng Shui Geomantics shares his insights from a feng shui perspective on what the Year of the Dragon may have in store for the different zodiac signs. Ringgit & Sense was powered by Sun Life Malaysia. Life is brighter under the sun. Image credit: Shutterstock.com See omnystudio.com/listener for privacy in...

Investing is challenging even for professionals - but what are some of the tools and tips to make that process easier? Lim Mei Ching, a former fund manager and Author of 'Be Your Own Fund Manager' tells us whilst explaining what "FATA" is. Ringgit & Sense was powered by Sun Life Malaysia. Life is brighter under the sun. Image credit: Shutterstock.com See omnystudio.com/listener...