Ringgit and Sense

Roshan speaks to Hann about this and benefits that slipped under the radar, as well as getting Malaysians back to work, the new top income tax bracket and his other takeaways from Budget 2020. They also get into the government's apparent digital push, the consumer digital service tax, and inflation.See omnystudio.com/listener for privacy information.

Roshan speaks to Hann about this and benefits that slipped under the radar, as well as getting Malaysians back to work, the new top income tax bracket and his other takeaways from Budget 2020. They also get into the government's apparent digital push, the consumer digital service tax, and inflation.See omnystudio.com/listener for privacy information.

Now we have heard a lot about fiscal and monetary policy this year, and with Budget 2020 just round the corner, Roshan speaks with Carmelo to help break all this down and maybe add more context for Budget 2020 and what it means for us.See omnystudio.com/listener for privacy information.

Now we have heard a lot about fiscal and monetary policy this year, and with Budget 2020 just round the corner, Roshan speaks with Carmelo to help break all this down and maybe add more context for Budget 2020 and what it means for us.See omnystudio.com/listener for privacy information.

Although September turned out to be a net positive for US stocks, October is starting out on quite a negative foot as US equities have fallen for a second day in a row. So in light of that, with the upcoming Malaysian Budget and falling interest rates, Roshan speaks to Rajen Devadason about ways to deal with the falling interest rates.See omnystudio.com/listener for privacy information.

We're all looking for ways to grow our money, and a new way that has come up in recent times is Peer-to-Peer financing, but is it right for you? Roshan speaks to Kristine Ng, Director and Founding CEO of Peoplender - the owner and operator the P2P platform Fundaztic They’ll be getting into the state of P2P investing, whether it’s suitable for you and the risks involved.See omnystudio.com/listener for privacy information.

We're all looking for ways to grow our money, and a new way that has come up in recent times is Peer-to-Peer financing, but is it right for you? Roshan speaks to Kristine Ng, Director and Founding CEO of Peoplender - the owner and operator the P2P platform Fundaztic They’ll be getting into the state of P2P investing, whether it’s suitable for you and the risks involved.See omnystudio.com/listener for privacy information.

Traditionally, women weren't as involved in investing as they are now. On this note, Roshan speaks to Linnet & Wai Ken about the statistics here, the changes in investing behaviour & talking about money in relationships.See omnystudio.com/listener for privacy information.

Traditionally, women weren't as involved in investing as they are now. On this note, Roshan speaks to Linnet & Wai Ken about the statistics here, the changes in investing behaviour & talking about money in relationships.See omnystudio.com/listener for privacy information.

Traditionally, women weren't as involved in investing as they are now. On this note, Roshan speaks to Linnet & Wai Ken about the statistics here, the changes in investing behaviour & talking about money in relationships.See omnystudio.com/listener for privacy information.

Are you insured? If you are, are you then over or under insured? With over half the country uninsured, Roshan Kanesan speaks to Stella about how to start, the different things to consider and how to tell if you’re over or under insured.See omnystudio.com/listener for privacy information.

Are you insured? If you are, are you then over or under insured? With over half the country uninsured, Roshan Kanesan speaks to Stella about how to start, the different things to consider and how to tell if you’re over or under insured.See omnystudio.com/listener for privacy information.

Is EPF enough? What is PRS? How do you manage a lump sum payout? Are you concerned about retirement? Roshan attempts to  address these question and more with Munirah Khairuddin.See omnystudio.com/listener for privacy information.

Is EPF enough? What is PRS? How do you manage a lump sum payout? Are you concerned about retirement? Roshan attempts to  address these question and more with Munirah Khairuddin.See omnystudio.com/listener for privacy information.

GDP, FDI, Yield Curves, these are terms we use regularly on The Morning Run, but what do they really mean? Today Roshan Kanesan speaks to Lim Chia Wei about these economic indicators and how they affect us.See omnystudio.com/listener for privacy information.

GDP, FDI, Yield Curves, these are terms we use regularly on The Morning Run, but what do they really mean? Today Roshan Kanesan speaks to Lim Chia Wei about these economic indicators and how they affect us.See omnystudio.com/listener for privacy information.

GDP, FDI, Yield Curves, these are terms we use regularly on The Morning Run, but what do they really mean? Today Roshan Kanesan speaks to Lim Chia Wei about these economic indicators and how they affect us.See omnystudio.com/listener for privacy information.

On the back of the launch of EPF’s online investing platform, Roshan speaks to Ming Hui about the merits of the platform, what to pay attention to and whether it’s for you.See omnystudio.com/listener for privacy information.

Most of us are well aware that we should be saving money, but like all good advice, it's easier said than done! Roshan Kanesan speaks to Suraya Zainudin on the struggle of saving money as well as her thoughts and  methods to manage personal finances.See omnystudio.com/listener for privacy information.

Most of us are well aware that we should be saving money, but like all good advice, it's easier said than done! Roshan Kanesan speaks to Suraya Zainudin on the struggle of saving money as well as her thoughts and  methods to manage personal finances.See omnystudio.com/listener for privacy information.

Is there a  difference between being cheap and frugal? What about speculating and investing? Well if you're not sure, Roshan Kanesan speaks to financial blogger Aaron Tan about these difference and other common misconceptions we have about money.See omnystudio.com/listener for privacy information.

Is there a  difference between being cheap and frugal? What about speculating and investing? Well if you're not sure, Roshan Kanesan speaks to financial blogger Aaron Tan about these difference and other common misconceptions we have about money.See omnystudio.com/listener for privacy information.

Roshan speaks to Robert about financial literacy, the essence of financial planning and EPF’s e-Members Investment Scheme.  See omnystudio.com/listener for privacy information.

Are you insured sufficiently? Can you live healthy on a budget? Is your office cover enough? How much of your budget should be allocated to insurance?  Roshan Kanesan speaks to Annie Hor about these and more in this episode of Ringgit and Sense. See omnystudio.com/listener for privacy information.

Are you insured sufficiently? Can you live healthy on a budget? Is your office cover enough? How much of your budget should be allocated to insurance? Roshan Kanesan speaks to Annie Hor about these and more in this episode of Ringgit and Sense. See omnystudio.com/listener for privacy information.

Are you insured sufficiently? Can you live healthy on a budget? Is your office cover enough? How much of your budget should be allocated to insurance?  Roshan Kanesan speaks to Annie Hor about these and more in this episode of Ringgit and Sense. See omnystudio.com/listener for privacy information.

Should you have dividend paying-firms in your portfolio? What is a dividend trap? Where do dividends come from? Roshan Kanesan speaks to Rajen Devadason about Capitalism, the concept of the capital markets and dividends.See omnystudio.com/listener for privacy information.

ETFs have exploded over the last decade, but how much do you know about them? On this digital only episode of Ringgit and Sense, Roshan Kanesan and Wong Wai Ken of Stashaway discuss ETFs, the pros, the cons and what to watch out for.See omnystudio.com/listener for privacy information.

Do you want to invest, but just don’t know how to start? With markets at all time highs, it can be nerve-wrecking to start or continue investing. On this episode Roshan Kanesan speaks to Wong Wai Ken, of robo-advisory Stashaway, about investing strategies, dollar-cost averaging and actively versus passively managed funds.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Nirmala Subramaniam of AKPK and financial planner Warren Mak about the common mistakes young people make, why saving just isn’t enough and how to think about investing.See omnystudio.com/listener for privacy information.

Expiry dates. Leverage risks. Liquidity risks. Warrants are a complex and divisive financial product. In this episode, Roshan hopes to break down this derivative product with Isabelle and ask the big question: are warrants a sustainable financial product or simply a gambling tool?See omnystudio.com/listener for privacy information.

Today on Ringgit and Sense, Roshan Kanesan speaks to Azraei Muhammad, a Takaful planner at Great Eastern Takaful, about the cost of higher education and factors to think about before committing to a Masters.See omnystudio.com/listener for privacy information.

The markets have generally been quite volatile this year, last week especially so when we saw the markets whipsaw. The Nasdaq took a hit, entering correction territory before recovering, closing up 4% at the end of the week. Roshan speaks to Joyce Chuah, about the need for emotional capital, financial behaviours to keep tabs on and investing strategies to utilise.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Idham about the cost of personal connectivity. With the dawn of the age of the smartphone, the internet has essentially become a necessity and sometimes that can hurt our wallets. Telcos are offering us more minutes and gigabytes but is more really better? How much data should you get? Are you overspending? Should you choose postpaid or prepaid? Should you get a phone with a plan? They explore these questions and more.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Hari Shivan, CEO of SoCash, a company that wants to change the supply chain of cash which could mean a future without ATMs- or just a lot less. SoCash wants to leverage the region’s level of cash dependance and possible see the Uberification of cash distribution and maybe even other financial services.See omnystudio.com/listener for privacy information.

On the back of strikes from Uber drivers and Uber’s lacklustre IPO, Roshan speaks to Robert Foo on the state of the gig economy. They’ll be getting into the importance of financial planning, especially since the lack of it here could land you in a lot of trouble, because you’ve got to do your own taxes and retirement planning since there’s no EPF or monthly tax deductions.See omnystudio.com/listener for privacy information.

The tax season is coming to an end but maybe it’s not too early to start thinking about the next one. Roshan speaks to Thannee about ways to better plan next year’s taxes and possibly save some money, legally of course. Thannee also explains the differences between tax planning, tax avoidance and tax evasion.See omnystudio.com/listener for privacy information.

A few weeks back, EPF released the Belanjawanku expenditure guide. Roshan gets Joyce’s thoughts on the guide, reasons why we should definitely keep track of our expenses and why property may not be the best asset for you.See omnystudio.com/listener for privacy information.

A few months ago Marie Kondo was all the rage with her method for decluttering and tidying up.  Roshan speaks to Yap about how we can apply some of this to our own financial lives.See omnystudio.com/listener for privacy information.

With all the talk around bond yield curves and what they could mean for the economy, Roshan speaks to Zulfadzlie to get a better understanding of bonds, yield curves and what it means when yield curves invert.See omnystudio.com/listener for privacy information.

What do you need to know about getting audited, keeping documentation and the Special Voluntary Disclosure Program? Thaneermalai helps to clear up these issues. Roshan also speaks to Thanneermalai about Dato Seri Najib Razak’s recent RM1.5 billion tax bill.See omnystudio.com/listener for privacy information.

Why do you need credit score? Will not having one adversely affect you, whether now or in the future? Roshan and Dawn hope to shed some light on this important topic that is often taken for granted.See omnystudio.com/listener for privacy information.

Can you sell your house but continue to live in it till you die, rent-free? Home Equity Release might just be the plan for you. Roshan speaks to Rajen and Soelan about retirement planning and ways to cash in and monetise the equity in your house to fund your retirement.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to lawyer Sam Choong about Estate Planning, and some of the structures that can be utilised when planning for assets, namely companies and trusts.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Nurhisham about the Belanjawanku expenditure guide from the EPF and Social Wellbeing Research Centre (SWRC) They take a closer look at the guide and try to address some of the comments and criticism that have come up since Belanjawanku was launched last week. If you have any questions or comments, please let us know on Twitter at @BFMradioSee omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Robert Foo about the ways to manage excess cash that we might have considering that bonus season has just passed.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Verinderjeet about our favourite financial topic, taxes. Verinder helps to break down some of the complexity in the system, from what makes up chargeable income to what you need for an audit. Roshan also asks about the differences between deductions, reliefs and rebates in the hopes of clearly delineating these terms.See omnystudio.com/listener for privacy information.

Roshan Kanesan speaks to Rajen Devadason about EPF’s recent dividend announcement, the different ways to use Account II in the long run and some optional investment strategies for Account I funds.See omnystudio.com/listener for privacy information.

Today Roshan Kanesan speaks to Freddy Lim, Co-Founder and Chief Investment Officer of StashAway about robo-advisors, ETFs and the Stashaway platform.See omnystudio.com/listener for privacy information.

Liew Ooi Hann speaks to Roshan Kanesan and Tan Chung Han about RinggitPlus’ Experian led investment and what that means for both RinggitPlus and us, their users. Clarification: In the original interview, it was mentioned that Experian invested $10 million in Jirnexu. To clarify for accuracy, Experian led the $10 million Series B follow on investment in Jirnexu.See omnystudio.com/listener for privacy information.