Ringgit and Sense

Should I buy and hold index funds for the long term or actively trade to beat the market? That’s the essential debate between active and passive investing. To get a better understanding of active and passive investing, and which one might be for you, Roshan Kanesan speaks with Ben Johnson, Director of Global ETF Research with Morningstar Research Services. They get into fund performances, how fees factor into performance, what to watch when looking at fund facts sheets, and a look at Malaysian data on fund performance and survivorship. Other episodes you might like: > Mr Stingy's 10 Investing Principles > How To Analyse Property Stocks In Malaysia > How To Invest While Managing Anxiety? > Bitcoin and Roboadvisors: How Do They Fit In A Portfolio? > 5 Steps To Jumpstart Your Retirement PlanningSee omnystudio.com/listener for privacy information.

ESG has become a much bigger topic over the last few years, but is it for you? Roshan Kanesan speaks to Raymond Tang, CEO of Eastspring Investments, about the basics of ESG investing, what to watch, risks involved, and more.See omnystudio.com/listener for privacy information.

We’re coming to the middle of the year, which means it’s soon time for a mid-year review! But how do we go about doing a financial review and why is it so important? Roshan Kanesan dives into this with Licensed Financial Planner Yap Ming Hui of Whitman Independent Advisors. Other episodes you might like: > Life & Health Insurance: What, Why, And How Much? > How To Invest While Managing Anxiety? > 5 Steps To Jumpstart Your Retirement Planning > No Risk, No Retirement? > 3 Fixed Deposit Alternatives As Rates Stay LowSee omnystudio.com/listener for privacy information.

Whether single, married, if you have dependents you need a financial plan to not just provide, but protect them. Today on the show, Roshan Kanesan gets into the basics of family financial planning with a focus on debt, insurance, and the importance of estate planning. He speaks with Nirmala Supramaniam, Head of Financial Education Department at the Credit Counselling and Debt Management Agency (AKPK), and Fateen Rosli, Licensed Financial Planner with Wealth Vantage Advisory. Other episodes you might like: > Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt > Life & Health Insurance: What, Why, And How Much? > 3 Fixed Deposit Alternatives As Rates Stay Low > 5 Steps To Jumpstart Your Retirement Planning > 4 Ways To Teach Kids About MoneySee omnystudio.com/listener for privacy information.

Luno, StashAway, and Wahed Invest are just a few names that have risen in the WealthTech and FinTech space in Malaysia. How could these new tools fit in your portfolio? Roshan Kanesan speaks to Stephen Yong, Licensed Financial Planner from Wealth Vantage Advisory, and Vincent Fong, Chief Editor of Fintech News Malaysia, to explore this space and its place. Other episodes you might like: > Why Do You Need Different Assets In Your Portfolio? > Bitcoin 101 - Is It The New Gold? > Is Gold Still A Stock Market Hedge? > 5 Things You Should Know Before Buying A StockSee omnystudio.com/listener for privacy information.

As tax season comes to an end, Roshan Kanesan takes a forward look to our next tax filing and dives into ways to optimise your taxes to pay the right amount, not too much and definitely not too little.See omnystudio.com/listener for privacy information.

Is retirement realistic? The concept was kicked off in 1889 by German Chancellor Otto von Bismarck, establishing the concept for the rest of us, but the average lifespan back then was just 43. And if it still is, how do we achieve it given the current challenges we face? Roshan Kanesan explores this with Rajen Devadason, CEO of RD WealthCreation, and Licensed Financial Planner with Manulife Investment Management Malaysia Berhad.See omnystudio.com/listener for privacy information.

Is EPF enough for retirement? How do I calculate my retirement needs? Should I take out EPF money to invest? Roshan Kanesan addresses these retirement planning questions & more with licensed financial planner Idham Idris of Wealth Vantage Advisory. Other shows you might like: > 5 Things You Should Know Before Buying A Stock > 5 Steps To Get Women Investing > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing PrinciplesSee omnystudio.com/listener for privacy information.

Red flags, common mistakes, types of scams, and what to do, Roshan Kanesan gets into all this and more with Linnet Lee, CEO of FPAM. Most importantly they address how you and your loved ones can avoid getting scammed out of hard earned money and retirement funds. Link noted in the show: www.bnm.gov.my/list-of-approved-and-registered-intermediaries Other shows you might find helpful: > Common Money Mistakes To Avoid In 2021 > With Cybercrime On The Rise, How Do We Better Protect Ourselves? > 5 Things You Should Know Before Buying A Stock   > Side Gig Income and Profits from Shares - Taxable?  > Mr Stingy's 10 Investing Principles Non-Exhaustive List of Reliable Sources > www.sc.com.my/regulation/enforcement/investor-alerts/sc-investor-alerts > www.sc.com.my/investor-empowerment/lodge-a-complaint/capital-market-service-related-complaints > www.iosco.org/investor_protection/?subsection=investor_alerts_portal > www.bnm.gov.my > www.investsmartsc.mySee omnystudio.com/listener for privacy information.

If you’ve taken on a side gig to supplement your income or made money from shares, you might want to catch Roshan Kanesan's chat with tax consultant Thanneermalai about what income is taxable & what isn’t. They also wrap up the conversation with some tax filling and document preservation tips. See omnystudio.com/listener for privacy information.

Whether you invest in US stocks or not, the Fed plays a pivotal role in global equity markets, as its actions in the US have rippling effects globally, but why is this so? Roshan Kanesan explores with Lim Chia Wei, Senior Portfolio Manager at Affin Hwang Asset Management. They also break down quantitative easing, why rising Treasury yields sparked a market sell-off, and the potential consequences of the unprecedented monetary policy. Other shows that might interest you: > 5 Things You Should Know Before Buying A Stock > How To Analyse Property Stocks In Malaysia > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing PrinciplesSee omnystudio.com/listener for privacy information.

How do we overcome the narrative that not enough women are investing or taking charge of their financial lives? Roshan Kanesan speaks to licensed financial advisor Annie Hor for her personal observations, tips, and advice, on how to better empower women financially. They also get into the behavioural differences observed in men and women, overcoming fears of risk, and Annie's first 5 steps when guiding her female clients to get more involved in investing. Other shows that might interest you: > 5 Things You Should Know Before Buying A Stock > Buying Property - First 5 Steps, 4 Common Mistakes, And More > Women & Investing: Advice, Behaviours and Relationships > Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’ > Wedding Planning: Critical Advice, Common Mistakes, And Taking On DebtSee omnystudio.com/listener for privacy information.

Should you buy property in 2021 with lowered rates and the homeownership campaign? What are the first steps I should take? What are the common mistakes people make? Roshan Kanesan discusses all this and more with licensed financial planner Joyce Chuah. They also get into whether renting is a waste of money, whether to use EPF money for property, and how much is too much to commit to monthly loan payments. Other shows that might interest you: > How To Analyse Property Stocks In Malaysia > Property: Rent, Don't Buy? > Why Do You Need Different Assets In Your Portfolio? > 5 Things You Should Know Before Buying A StockSee omnystudio.com/listener for privacy information.

Cheap, expensive, or fairly valued? What are important factors or metrics that investors should pay attention to when looking at different property developers? Roshan Kanesan explores this with Loong Kok Wen, Head of Regional Property Sector at RHB Research Institute. They also get into the struggles of the current property players, the factors that drive profitability, the importance of the general economy to the sector, and red flags to watch out for. Other shows you might find helpful: > 5 Things You Should Know Before Buying A Stock > Why Do You Need Different Assets In Your Portfolio? > Are Stock Splits Pointless? > What To Watch When Buying REITs and Dividend Stocks?See omnystudio.com/listener for privacy information.

Want to invest in stocks but don’t know where to start? What is the bare minimum you should know before buying a stock? What does a PE ratio mean and why is it important? Roshan Kanesan explores all this and more with fund manager Danny Wong, CEO of Areca Capital. Other shows you might find helpful: > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing Principles > Are Stock Splits Pointless? > What Can You Learn From Billionaire Warren Buffett?See omnystudio.com/listener for privacy information.

How much does a wedding cost? Should you take on debt? How do you manage familial and societal expectations? In conjunction with Valentine's Day, Roshan Kanesan explores all this and more with recently married personal finance writer Suraya Zainudin and Nirmala Subramaniam from the Credit Counselling and Debt Management Agency (AKPK).See omnystudio.com/listener for privacy information.

Healthcare can have a major impact on your finances if you’re unprepared, so today in conjunction with World Cancer Day, Roshan Kanesan explores key parts of insurance and healthcare planning with VP Thanga, executive director and Licensed Financial Planner with Blueprint Planning. They get into life, critical care, and medical insurance, as well as common questions like ‘do I need my own medical insurance if I have insurance from my company?’ and how to prioritise if you’re financially constrained. Image Credit: wan wei / Shutterstock.comSee omnystudio.com/listener for privacy information.

Having trouble tracking your expenses or managing overspending? Not sure if you should maximise your tax relief? Wondering if there are simple methods to manage cash flow? Then listen to this episode of Ringgit and Sense! Roshan Kanesan explores all this with Licensed Financial Planner Fateen Rosli, focusing on simple expense management, general money management tips, and tax relief optimisation. Other episodes you might like! > 3 Fixed Deposit Alternatives As Rates Stay Low > Tips On Avoiding Scams And Other 2020 Lessons > How To Invest While Managing Anxiety? > Fund Manager’s 5 Key Investing Lessons From 2020See omnystudio.com/listener for privacy information.

As Fixed Deposit rates fall in this low-rate environment, what are your alternatives? Roshan Kanesan finds out with Licensed Financial Planner Yap Ming Hui, and breaks down his 3 alternatives. Other Episodes You Might Be Interested In: > How To Invest While Managing Anxiety? > Mr Stingy's 10 Investing Principles > Should You Move EPF Money To Invest? > What Can You Learn From Billionaire Warren Buffett? > Fund Manager’s 5 Key Investing Lessons From 2020See omnystudio.com/listener for privacy information.

Need help setting goals for 2021? Roshan Kanesan speaks to Licensed Financial Planner Kevin Neoh and financial blogger Raymond Tan for their thoughts, tips, and tricks for better goals in 2021. Other episodes you might find useful: - Money Goal Tips with Mr. Stingy and ‘Ringgit Oh Ringgit’ - Key Tax Tips for 2021 - Fund Manager’s 5 Key Investing Lessons from 2020 - Common Money Mistakes To Avoid in 2021 - Tips on Avoiding Scams and Other 2020 LessonsSee omnystudio.com/listener for privacy information.

What are the key money lessons to learn from 2020? Roshan Kanesan gets into this with Linnet Lee, CEO of the Financial Planning Association of Malaysia (FPAM), with a focus on avoiding scams, estate planning, and setting aside funds for investing. You can also check out some of these other related episodes to prepare for 2021! - Key Tax Tips For 2021 - Fund Manager’s 5 Key Investing Lessons From 2020 - Common Money Mistakes To Avoid In 2021 - What Makes A Great Will? - How To Invest While Managing Anxiety? - Mr. Money TV On Retirement Planning, Compounding, and Mistakes - Scams, Fraud and Online Payments - How Can You Better Protect Yourself?See omnystudio.com/listener for privacy information.

On this edition of Ringgit and Sense, Roshan Kanesan explores the pillars of financial planning and the common mistakes people make, so that you can avoid them in 2021. With the help of Samantha Yeoh, Licensed Financial Planner with Wealth Vantage Advisory, they explore cash flow, investing, protection, tax, and estate planning. Image Credit (Background): kamarulzamanganu / Shutterstock.com You can also check out some of these other episodes to prepare for 2021! - Key Tax Tips For 2021 - Fund Manager’s 5 Key Investing Lessons From 2020 - What Makes A Great Will? - How To Invest While Managing Anxiety? See omnystudio.com/listener for privacy information.

Central bank influence, retail investor power, and currency risk - some of the key investing takeaways from the rollercoaster year that has been 2020. Roshan Kanesan dives deeper into these points, and more, with fund manager Jack Kouzi, Director of Australian Financial Services Licensee VFS Group.See omnystudio.com/listener for privacy information.

Warren Buffett is the world's 6th richest person and is considered one of the greatest investors alive, having reportedly achieved an annual average return of 20.5% since 1965. So what can you learn from the Oracle of Omaha about money and life? Roshan Kanesan explores with Rajen Devadason, Licensed Financial Planner with Manulife Investment Management Malaysia Berhad. Image Credit: EPA-EFESee omnystudio.com/listener for privacy information.

Do I need to pay income tax? What income is taxable? What tax reliefs should I be paying attention to? What is a tax deduction? Do I need to pay taxes from selling sneakers? As 2020 comes to a close, Roshan Kanesan gets into all these questions and more with tax consultant Thanneermalai. With less than 30 days to maximise your tax reliefs, this little refresher hopes to help clarify the tax reliefs to watch, as well as some tax basics and best practices when filing. Image Credit: Doucefleur / Shutterstock.comSee omnystudio.com/listener for privacy information.

Investing is important but it can be difficult, complicated or even scary to not just start, but to keep going. So today on the show, Roshan Kanesan hopes to make investing a little less intimitading with the help of financial blogger Aaron Tang, who shares his thoughts, philosophy, and principles on investing. Photo was taken last year.See omnystudio.com/listener for privacy information.

How can we better teach kids about money and personal finance? That’s the question Roshan Kanesan explores today, in conjunction with Universal Children’s Day happening tomorrow. Educator and author, Raymond Gabriel, breaks down financial literacy for kids, gets into tips for parents, and go-to fundamentals to help guide parents should things go off-tangent. People Systems Consultancy works with kids on financial literacy. Raymond is also the author of the book "Money Quotient." Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.

Malaysia’s largest-ever budget was announced last week, but what’s in it for you? Roshan Kanesan gets into Budget 2021 with a focus on the modified loan moratorium, new EPF withdrawal options, and the increased lifestyle tax relief. Photo taken last year.See omnystudio.com/listener for privacy information.

Tomorrow, Budget 2021 takes centre stage at Parliament, but before that happens, Roshan Kanesan explores: - how the budget works with a focus on understanding the debt-ceiling and how government debt works - as well as tax reliefs to watch out for, whether existing or new. Brought to you by Mah Sing.See omnystudio.com/listener for privacy information.

Is freelancing or the solopreneur life for you? Freelancing, gig work, and self employment have become more prominent sources of income, and are now even more in the spotlight with the rise of remote working and the uncertainties around convention full time employment. On this edition of Ringgit and Sense, Roshan Kanesan gets tips and tricks from Suraya Zainuding to better navigate the self employed life. They also get into identifying skills, Suraya's leap from employed to self-employed, as well as managing taxes, EPF, and retirement. Suraya Zainudin is a writer, speaker and digital marketer. She is also the founder of the personal finance website RinggitOhRinggit.com and curator of the Money Stories from Malaysians book series.See omnystudio.com/listener for privacy information.

Retirement is an important financial goal, but often taken for granted when we're young because of the distant timeline. Roshan Kanesan speaks to Peter Yong a.k.a Mr. Money TV for his perspective on retirement planning, particularly for young people, the power of compounding, common mistakes (including forgetting about inflation), and more.See omnystudio.com/listener for privacy information.

Do you want more control over your EPF money? On this episode, Roshan Kanesan explored the EPF I-Invest platform with Joyce Chua, licensed financial planner with Principal Asset Management. They get into the basics of this platform, eligibility, how to pick a fund, and more.See omnystudio.com/listener for privacy information.

Digital financial services have made it easier for us to make payments, invest, and get protected, but it’s currently quite a fragmented environment as each service operates independently. U Mobile’s GoPayz is trying to change that by bringing together various financial services onto one platform. Additionally, Roshan speaks to Idham Idris of Wealth Vantage Advisory, for a financial planner's perspective on the role of digital financial services.See omnystudio.com/listener for privacy information.

Investing is vital to your long term financial health, but it can be a nerve wracking experience. So how can you invest while managing the anxieties that come with it?See omnystudio.com/listener for privacy information.

Microtransactions and in-app purchases are big revenue generators for big tech, but could be detrimental to our wallets. Roshan Kanesan speaks to Idham Idris about the red flags when it comes to digital expenditure as well as ways to manage digital leisure spending better.See omnystudio.com/listener for privacy information.

With all the general excitement over capital gains in stocks markets over the last few months, income-based investing has gotten lost in the buzz, whether it’s because of all the attention taken up by tech in the US or rubber gloves in Malaysia. So today on RinggitAndSense, Roshan Kanesan explores the income-based investing strategy, with a close look at REITs and dividend stocks. (Note: Photo was taken in December 2019)See omnystudio.com/listener for privacy information.

Why issue bonus shares? Are stock splits pointless? What should I watch with dividend-paying companies? We’ve seen quite a bit of news around stock splits and bonus issues over the last earnings quarter, with Apple and Tesla splitting their stock earlier this week, and TopGlove and Supermax proposing bonus issues. So Roshan Kanesan explores stock splits, bonus issues, & dividends, with fund manager Danny Wong of Areca Capital, to break it down.See omnystudio.com/listener for privacy information.

BIMB Investment Management has entered the digital space with its own offering, Best Invest, which they've dubbed robointelliegence and not a roboadvisor.Why have they done so, what makes this new buzzword different from roboadvisors, and what funds and assets do they offer? Roshan Kanesan gets into this and more with Najmuddin Mohd Lutfi. Best Invest App is developed by BIMB Investment Sdn Bhd, a subsidiary of Bank Islam Malaysia Bhd.See omnystudio.com/listener for privacy information.

As the stock market booms, it's vital to not get caught up in all the excitement and optimism. While it's important to invest, it must be done responsibly, taking your goals and risk profile in mind. On this edition of Ringgit and Sense, Roshan speaks to Dato Hamidah and Raymond Gabriel for their thoughts on investing principles, common investing mistakes, and general financial wellness.See omnystudio.com/listener for privacy information.

Bankruptcy. While we've heard the term & probably used it in conversation, what does it really mean in Malaysia? Roshan explores this, as well as the implications and impacts of bankruptcy on an individuals life, and the way out of it. Roshan and Nirmala also discuss the common causes of bankruptcy, what happens to the individual's assets, how it could impact your spouse's finances, and more.See omnystudio.com/listener for privacy information.

This year Bank Negara has cut rates 4 times, taking the OPR from 3% to 1.75%. This is the lowest level since 2004. While the central bank has done this to help stimulate the economy, it’s also punishing savers as Fixed Deposit rates have also fallen. As savers look for the best rates for their cash, one of the options that has come up is Stashway Simple. Roshan speaks to Ken about their new cash management product, and also gets into the direct debit technical issue Stashaway faced earlier in the week, as well as their recent portfolio optimisation on the back of unprecedented monetary policy from the US Federal Reserve.See omnystudio.com/listener for privacy information.

What are the differences between gold and stocks? Gold is the hedge as old as time. It’s widely regarded as a store of value, and it traditionally behaves inversely to the stock market. However in recent times we’ve seen stocks and gold go up together, with gold prices reaching all time highs, levels not seen since 2011, while the stock market is booming, with US markets hovering around all-time highs. What are the differences between stocks and gold? Why are they breaking their traditional relationship? Is gold still a stock hedge? Roshan explores these and more with Rajen Devadason, Licensed Financial Planner with Manulife Investment Management Malaysia Berhad.See omnystudio.com/listener for privacy information.

With Cybercrime on the rise, how can we better protect ourselves & our identities? Many aspects of our lives have become digital, from the way we communicate to the way we move money around, and we’ve seen this accelerate during the pandemic as the physical world shut down and people moved online. Now while the digital world has been convenient and powerful, there are growing concerns over cybersecurity, fraud, and privacy. Roshan explores ways to better protect yourself, common mistakes, the role of the dark web, and more.See omnystudio.com/listener for privacy information.

How does takaful differ from insurance? What do you need to pay attention to when choosing a plan? How does it play into estate planning? Roshan gets into these and more with Shahrul Azlan Shahriman of Great Eastern Takaful.See omnystudio.com/listener for privacy information.

Asset allocation is essential to any investment strategy, but what does that really mean? Today Roshan gets into the purpose of allocation, relationship between stocks & bonds, as well as a look at other assets like gold, property and bitcoin, with Danny Wong, CEO of Areca Capital - fund manager and certificate financial planner.See omnystudio.com/listener for privacy information.

As the United States prints more US Dollars to fund its COVID-19 related economic recovery, Bitcoin has gained more prominence, alongside gold, as a hedge against the potential devaluation that the world’s reserve currency could face. Bitcoin is up around 70% over the last 3 months, now trading around RM40, 000 per Bitcoin. On this episode, Roshan explores the basics of Bitcoin, where it gets its value from, and whether it's the new gold. Luno is a platform to buy, sell and store digital assets like bitcoin and is 1 of the 3 approved digital asset exchanges by the Securities Commission. Note: Photo was taken last year.See omnystudio.com/listener for privacy information.

Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity. So today Roshan explores the basics and merits of passive investing, the argument against stock picking and why not all ETFs are created equal. Photo taken from past interview.See omnystudio.com/listener for privacy information.

Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity. So today Roshan explores the basics and merits of passive investing, the argument against stock picking and why not all ETFs are created equal. Photo taken from past interview.See omnystudio.com/listener for privacy information.

Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this with Felix Neoh of Finwealth Management. Mentioned Shows: High Dividend Stocks: What to Pay Attention To (link: https://www.bfm.my/podcast/morning-run/ringgit-and-sense/high-dividend-stocks-what-to-pay-attention-to)See omnystudio.com/listener for privacy information.

Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this with Felix Neoh of Finwealth Management. Mentioned Shows: High Dividend Stocks: What to Pay Attention To (link: https://www.bfm.my/podcast/morning-run/ringgit-and-sense/high-dividend-stocks-what-to-pay-attention-to)See omnystudio.com/listener for privacy information.