Ringgit and Sense

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.

Following up from last week’s financial planning episode, today Roshan Kanesan explores the basics of insurance with Mitul Lakhani, CEO of iMoney Group. So if you’re confused about how to even start protecting yourself, this could be the episode for you.See omnystudio.com/listener for privacy information.

Amidst all the volatility in the financial markets, planning your financial goals and resolutions can be difficult but not impossible. Roshan Kanesan speaks to Steve Lim about the different elements we should be paying attention to when building a comprehensive financial plan.See omnystudio.com/listener for privacy information.

Tan Chung Han speaks to K. Gunesegaran, Financial Planner and Money Coach, Wealth Street about behavioural coaching. They get into a range of behaviours that investors face when dealing with investment decisions and how to manage them.See omnystudio.com/listener for privacy information.

Digital assets have become a big part of our lives yet many of us do not plan for them as we do physical assets. Photos, videos, emails, social media, and cryptocurrency are part of your estate and if left without a plan your family could be left without access to these assets.See omnystudio.com/listener for privacy information.

Tan Chung Han speaks to Kalyani Nair about the role that digital tools and platforms can play in achieving our financial goals.See omnystudio.com/listener for privacy information.

Joyce shares advice and tips to help firm up our personal finance plans for the new year.See omnystudio.com/listener for privacy information.

Joyce shares some strategies on how to manage our finances well during the Christmas season.See omnystudio.com/listener for privacy information.

We speak to Dennis about data breaches in the digital age, and the steps CTOS is taking to protect consumers. He also explains some of the steps consumers can take to protect themselves. Dennis also speaks about alternative data scores, and how they increase financial inclusion.  See omnystudio.com/listener for privacy information.

Rafiz explains PIDM's mandate which seeks to protect your bank deposits, insurance policies and benefits. We will be discussing how PIDM protects your deposits in the bank as well as your takaful and insurance benefits in the unlikely event of a failure of a member bank or insurer member.See omnystudio.com/listener for privacy information.

Kevin explains the concept of the 5 percent withdrawal rate for retirement, and the various factors that contribute to a financially sustainable retirement.See omnystudio.com/listener for privacy information.

Malaysia is included in Standard Chartered's Emerging Affluent Study for the first time in 2018. The report reveals some fascinating insights into the financial habits and trends among Malaysians earning about RM8,000 per month or higher. How much of the local population does the emerging affluent include, and how financially savvy are they? Plus, as more digital financial tools become available, Fernando explains how local banks can help Malaysians overcome their financial knowledge gap and accelerate their upward social mobility.See omnystudio.com/listener for privacy information.

Does gambling have a place in our wealth accumulation strategy? Are there physiological factors that drive such behavior? Rajen shares his insights.See omnystudio.com/listener for privacy information.

Ching shares with us the expected winners and losers from Budget 2019, and how we can start positioning our personal finances in anticipation of next year's fiscal measures.See omnystudio.com/listener for privacy information.

AKPK is about to unveil results from its survey into the financial habits of Malaysian working adults. Mohammad Mafrukhin shares with us a preview of his findings, while outlining the role emotions and employers may play in our overall financial well-being.See omnystudio.com/listener for privacy information.

Linnet shares how FPAM is using an online platform to help raise the level of financial literacy in Malaysia. See omnystudio.com/listener for privacy information.

Robert helps us derive personal finance lessons from comments made so far by the Prime Minister and the Minister of Finance about the upcoming Budget 2019.See omnystudio.com/listener for privacy information.

As Malaysia contends with an ageing population, the government is mulling raising the retirement age. Joyce shares some ways to ready ourselves financially for retirement.See omnystudio.com/listener for privacy information.

Six years ago, Lee Ching Wei co-founded the financial comparison website, iMoney, with the aim of helping Malaysians "make intelligent decisions on money matters".In this episode of Ringgit and Sense, Ching highlights the importance of a personal credit score, while dispelling some myths and sharing some tips along the way.See omnystudio.com/listener for privacy information.

Lawrence shares the importance of estate planning, as Malaysians live longer and gather more wealth along the way.See omnystudio.com/listener for privacy information.

Jamie shares some strategies on how to better arrange your finances in order to fund your child's studies abroad.See omnystudio.com/listener for privacy information.

With China's richest man, Jack Ma, recently announcing that he will retire from Alibaba a year from now, Rajen helps us understand what retirement really means and how best to prepare for it.See omnystudio.com/listener for privacy information.

Desmond points out some financial and non-financial factors that have to be taken into consideration when purchasing property.See omnystudio.com/listener for privacy information.

Nirmala shares tips on how to plan a wedding that's within our means, along with strategies for a financially-sound 'happily ever after'.See omnystudio.com/listener for privacy information.

Tan Chung Han and Roshan Kanesan speak to Yap about 'hybrid wealth management'. A system aimed at millennials that can complement the existing ecosystem in helping investors achieve their respective financial goals. They ask what differs wealth management from retirement planning, potential pitfalls of the jumping jobs and gig economy, the importance of building a savings habit and the critical importance of compounding interest. See omnystudio.com/listener for privacy information.

Nirmala helps us identify and avoid common pitfalls when buying a car.She talks about guiding principles and common mistakes when it comes to buying a car - the differences between car loans and mortgages amongst other things.See omnystudio.com/listener for privacy information.

Mafrukhin shares tips on how to manage our credit cards well, while dispelling myths and misconceptions about using this financial facility.See omnystudio.com/listener for privacy information.

We tackle the issue of student loans, especially PTPTN. Our guests KC Wong, CEO of Credit Bureau Malaysia and Rohani Mohd Shahir, founder Hijrah Wealth Management help us look into the problems, benefits and tips on how students can manage their loans better. Pn Rohani is also featured on the second episode of BFM's 'Rumit' series.See omnystudio.com/listener for privacy information.

Fazrul shares some tips for millennials to make 'adulting' less complicated, as they begin financially preparing themselves for retirement. Fazrul is also featured on the first episode of BFM's 'Rumit' series.See omnystudio.com/listener for privacy information.

It's imperative that Malaysians understand the importance of a credit score and how it pertains to our personal finance. Dennis shares some tips on how to obtain and maintain a good credit profile.See omnystudio.com/listener for privacy information.