Ringgit and Sense

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.

Why should you care about #CreditScores? Roshan speaks to Hann about the importance of credit scores as well as the dos & don'ts, how Credit Scores work and tips to maintain (or improve) your score.See omnystudio.com/listener for privacy information.

If you can afford it, is it a good time to buy a car with car sales down & lower interest rates? Roshan Kanesan speaks to Joyce Chuah, CEO of Success Concepts and licensed financial planner with Principal Asset Management on this. They also get into things to watch when getting a car loan, whether buying a car in cash is a good idea and possible merits of car subscriptions & e-hailing.See omnystudio.com/listener for privacy information.

What should we learn from the pandemic? How do we invest during a recession? Roshan speaks to personal finance blogger Aaron Tang, a.k.a. Mr. Stingy, on these as well as tips on managing finances and Aaron thoughts on recession. Photo was taken last year.See omnystudio.com/listener for privacy information.

With the way markets have been over the last decade, is value investing still relevant? On this episode, Roshan speaks to fund manager & investor Jack Kouzi about this, as well as investing principles, assessing stocks & what he would tell his younger self.See omnystudio.com/listener for privacy information.

On this episode we revisit BFM's Personal Finance Webinar from last week - How To Manage Your Family Budget During and After MCO. In this episode we revisit Fateen and Samantha's thoughts on practical tips on managing spending, the 3 jar system, the envelope system and addressing some questions that came in during the webinar, including whether to continue investing during this period.See omnystudio.com/listener for privacy information.

On this episode we revisit BFM's Personal Finance Webinar from earlier in the week - 'How to Construct Financial Plans that can Weather Any Crisis'. In particular this episode revisits attributes of a good plan, how much does a financial plan cost and a wide range of questions from the webinar watchers.See omnystudio.com/listener for privacy information.

Last week BFM hosted a personal finance webinar taking a look at the impact of the Movement Control Order on our personal finances and aimed to help you build a checklist to get your through this. In this episode of Ringgit and Sense we revisit the impact of the MCO to cash flow and how to balance between staying invested and raising money for financial needs. Catch the whole Facebook Live conversation here.See omnystudio.com/listener for privacy information.

What are the basics to planning for retirement? Is retirement realistic considering that we're living longer? What can the pandemic teach us about retirement planning? Roshan speaks to Pei Si about this and more on this episode of Ringgit & Sense.See omnystudio.com/listener for privacy information.

How do employment arrangements work in Malaysia? Can employers unilaterally cut salaries? What options do employees have if there are disagreements with employers? Roshan discusses all this and more with Labour and Industrial Relations Lawyer, Mohan Ramakrishnan, on this episode of Ringgit & Sense.See omnystudio.com/listener for privacy information.

Should you take up the current low interest rates and buy a house or a car? If you were already planning a big ticket purchase before the MCO, should you continue with it? What about how to put your money to work during this time, are dividend yields the way to go? What should you watch out for when looking at stocks with high dividends? Roshan discusses all this with financial planner, Joyce Chua on this episode of Ringgit & Sense.See omnystudio.com/listener for privacy information.

As the MCO and COVID-19 changes the way we work and live, is it maybe time to start a home business, especially if you're worried about incomes and job security? Roshan also speaks to Raymond about how to cut costs in our lives, making use of financial aid and the key lessons to take from this crisis.See omnystudio.com/listener for privacy information.

In our continued coverage of the Prihatin Stimulus Package and managing personal finances with the MCO and COVID-19 in mind, Roshan speaks to Idham about: - How to apply for aid in the Stimulus Package- Reasons to continue with the loan moratorium and how to manage it- Important lessons we have to learn from this crisis - How to look at investing right nowSee omnystudio.com/listener for privacy information.

BFM held its first ever webinar last week where we spoke to Nirmala of AKPK about loan moratoriums. Amongst the questions that we got into include: - What is a loan moratorium?- If I don't opt out, will I end up paying more?- How does it differ from a car loan to a mortgage?- What about converting my credit card debt into a term loan, what's the advantage there?- Will this impact my credit score? See omnystudio.com/listener for privacy information.

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We got into cash aid from the Stimulus, thoughts on EPF withdrawals, concerns over unemployment & more.See omnystudio.com/listener for privacy information.

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We got into cash aid from the Stimulus, thoughts on EPF withdrawals, concerns over unemployment & more.See omnystudio.com/listener for privacy information.

We speak to Ming Hui for his thoughts on managing your investments in this volatility and how to prepare financially for a crisis.See omnystudio.com/listener for privacy information.

It’s no secret that the market has been hit hard, not just in Malaysia but of course the globe. So today on Ringgit & Sense we’re going to try and address concerns around all the volatility we’ve seen and how we can best manage all the red in our portfolios.See omnystudio.com/listener for privacy information.

On this episode Roshan explores debt and bankruptcy with Nirmala of AKPK, getting into key pillars of debt management, options if you’re having issues with debt and the importance of a credit score.See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations. See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations. See omnystudio.com/listener for privacy information.

With the Tax Season incoming, Roshan gets into tax questions from listeners on this edition of Ringgit Q&A. Amongst the questions that were asked include: - Where do I start? - What are the differences between relief, rebate & exemption? - Should I file with my spouse? - How can I ensure I’m claiming everything I’m entitled for? - What happens if you are audited and don’t have a particular receipt for a tax-claimable item? - Do I need to do anything post-retirement in relation to income taxes and IRB?See omnystudio.com/listener for privacy information.

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers. Bain released a report on the future of Digital Financial Services with Google and Temasek earlier this year.See omnystudio.com/listener for privacy information.

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers. Bain released a report on the future of Digital Financial Services with Google and Temasek earlier this year.See omnystudio.com/listener for privacy information.

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced. Aaron also gets into his experience planning his wedding and the lessons that can be learnt from it.See omnystudio.com/listener for privacy information.

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced. Aaron also gets into his experience planning his wedding and the lessons that can be learnt from it.See omnystudio.com/listener for privacy information.

To buy or not to buy a house? That is generally a question we get here on Ringgit & Sense. Following on from our first Ringgit Q&A last week, today we speak to Julian Ng to dive into his perspective on property, consideration when buying or renting and his take on a decision formula here. Roshan also asks him about the concentration and liquidity risks that come with buying property, taking advantage of rental yields as well as Julian's thoughts on REITs. Julian also gets into the advantages of buying a home, if you can afford it.See omnystudio.com/listener for privacy information.

And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic investing strategies and how to think about saving for retirement, as well as what kind of returns we should aim for and thoughts on property.See omnystudio.com/listener for privacy information.

And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic investing strategies and how to think about saving for retirement, as well as what kind of returns we should aim for and thoughts on property.See omnystudio.com/listener for privacy information.

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm.See omnystudio.com/listener for privacy information.

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm.See omnystudio.com/listener for privacy information.

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that the way to address this is through a national scheme championed by the government, but how would something like that look like? We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs, instead of insurance, but is this viable option?See omnystudio.com/listener for privacy information.

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that they way to address this is through a national scheme championed by the government, but how would something like that look like? We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs, instead of insurance, but is this viable option?See omnystudio.com/listener for privacy information.

How much do you need for retirement? Is the EPF basic requirement of RM240,000 really enough? What can you do to maximise your EPF? What is EPF Account 1 and Account 2? Roshan Kanesan gets into all these and more with Balqais Yusoff for an EPF perspective on retirement planning.See omnystudio.com/listener for privacy information.

It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for goal setting in 2020! They get into their own goals, systems they use, general thoughts on goal setting and some tips from their experience.See omnystudio.com/listener for privacy information.

It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for goal setting in 2020! They get into their own goals, systems they use, general thoughts on goal setting and some tips from their experience.See omnystudio.com/listener for privacy information.

Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding. We also get into the Putrajaya LIFT 2019 happening this weekend.See omnystudio.com/listener for privacy information.