Ringgit and Sense

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...

In this age of rising life expectancy, saving for retirement has become a fundament of personal finance. Why do some people have solid retirement plans while others don’t? We speak to Joyce Chuah of Success Concepts about the nexus between behavioural dynamics and retirement planning. Ringgit & Sense was powered by Sun Life Malaysia. Life is brighter under the sun. Image credit: Shutterstock.c...

In the first Ringgit and Sense of 2024, we discuss what should be your financial resolutions. Stephen Yong, Licensed Financial Planner, Wealth Vantage Advisory shares with us how to prepare for the year ahead, what calls for a readjustment in budget, and what you should do with your bonus. Ringgit & Sense was powered by Sun Life Malaysia. Life is brighter under the sun...

2023 ends soon but before year ends, we explore all the tax breaks that are available with Christine Koh, Managing Partner of Owen KLCA. We also find out if its better to file your own taxes or with your spouse and what to do, if you do get that letter from Inland Revenue. Image credit: Shutterstock.com See omnystudio.com/listener for privacy information.

As we draw a conclusion for the year, Rajen Devadason, CEO, RD WealthCreation joins Philip See to discuss the key lessons from 2023 that had a notable impact on personal finance and what financial goals to set for the coming year. Image credit: Shutterstock.com See omnystudio.com/listener for privacy information.

Data shows that more Malaysians are engaging professionally certified financial planners to help them understand the complex world of investments to match their financial goals. Anwar Mahbob speaks with Alvin Tan, President of the Financial Planning Association of Malaysia to find out how this profession has evolved and why financial planning is for everyone, not only the wealthy. Image...

We've all employed rationalizations for our purchases, whether it's crunching the numbers on the cost per wear or persuading ourselves that snagging a discounted item equates to savvy savings. This isn't exactly a new way of thinking while social media has recently labeled it as "Girl Math". Dr. Grace Lee, professor of economics at Monash University Malaysia speaks to us on the psychology behind g...

In this era of high interest rates, how should you invest? We explore that conundrum since the historical correlations between asset classes appear to have broken down with Lim Chia Wei, Senior Portfolio Manager at AHAM Capital. Image credit: Shutterstock.com See omnystudio.com/listener for privacy information.

On Monday was World’s Children’s Day. Idham Idris, Director & Licensed Financial Planner from Wealth Vantage Advisory discuss the cost of having these bundles of joy, how to budget and when is a good time to talk about money with them. Image credit: Shutterstock.com See omnystudio.com/listener for privacy information.

Sustainable Assets under Management has increased to US 2.8trillion as of June 2023. A significant sum as more investors seek to align their own ESG values with investments. But is there sufficient depth and breadth to the market? Jigar Shah, Global Head of Sustainability Research, Maybank Investment Banking Group gives us that answer whilst telling us if ESG returns can be superior. Image credit:...

For ringgit and sense today, we discuss the impact of inflation on household budget. Felix Neoh, Director of Financial Planning of Finwealth Management tells us what are the adjustments that could be made, who should look into reviewing their loans and whether long term goals like investment and retirement planning are not compromisable. Image credit: Shutterstock.com See omnystudio.com/listener f...