Ringgit and Sense
333 episodes - English - Latest episode: about 1 month ago - ★★★★★ - 1 ratingYou might be a genius at managing other people’s money, but personal finance is quite another kettle of fish. Ringgit & Sense puts a clear mirror in front of you so you understand personal risk profiles, realistic investment horizons, retirement planning and the all-important education loan and health insurance plan, and the explosion of myriad personal finance products.
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Episodes
What To Watch When Reviewing Your Investments And Insurance
May 27, 2021 01:30 - 21 minutes - 19.6 MBWe’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...
How Do I Start My Family Financial Plan?
May 20, 2021 01:30 - 21 minutes - 19.5 MBWhether 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 episode...
Bitcoin and Roboadvisors: How Do They Fit In A Portfolio?
May 06, 2021 01:30 - 21 minutes - 19.9 MBLuno, 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 ...
Optimising Taxes: Planning And Reliefs For 2021
April 22, 2021 01:30 - 22 minutes - 20.4 MBAs 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.
No Risk, No Retirement?
April 15, 2021 01:30 - 21 minutes - 19.5 MBIs 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.
5 Steps To Jumpstart Your Retirement Planning
April 08, 2021 01:30 - 26 minutes - 24.4 MBIs 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 Investin...
As Money Scams Rise, How Do I Spot Them And What Can I Do?
April 01, 2021 01:30 - 23 minutes - 21.1 MBRed 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 Ourselve...
Side Gig Income and Profits from Shares - Taxable?
March 25, 2021 01:30 - 20 minutes - 18.7 MBIf 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.
Why Does The US Federal Reserve Matter To Malaysians?
March 18, 2021 01:37 - 28 minutes - 25.9 MBWhether 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 ...
5 Steps To Get Women Investing
March 11, 2021 01:37 - 21 minutes - 19.6 MBHow 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 y...
Buying Property - First 5 Steps, 4 Common Mistakes, And More
March 04, 2021 01:37 - 20 minutes - 18.5 MBShould 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 ...
How To Analyse Property Stocks In Malaysia
February 25, 2021 01:37 - 26 minutes - 24.2 MBCheap, 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
February 18, 2021 01:37 - 20 minutes - 19.3 MBWant 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...
Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt
February 11, 2021 01:37 - 22 minutes - 20.8 MBHow 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).
Life & Health Insurance: What, Why, And How Much?
February 04, 2021 01:37 - 21 minutes - 20 MBHealthcare 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 con...
Is A Tax Relief An Excuse To Spend Money?
January 21, 2021 01:37 - 21 minutes - 20.1 MBHaving 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...
3 Fixed Deposit Alternatives As Rates Stay Low
January 14, 2021 01:37 - 21 minutes - 20 MBAs 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 2020
Money Goals Tips And Why You Need Goals
January 07, 2021 01:37 - 20 minutes - 18.4 MBNeed 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 Lessons
Tips On Avoiding Scams And Other 2020 Lessons
December 31, 2020 01:37 - 18 minutes - 17 MBWhat 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 ...
Common Money Mistakes To Avoid In 2021
December 24, 2020 01:37 - 21 minutes - 19.6 MBOn 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
December 17, 2020 01:37 - 22 minutes - 20.5 MBCentral 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.
What Can You Learn From Billionaire Warren Buffett?
December 10, 2020 01:37 - 21 minutes - 19.6 MBWarren 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-EFE
Key Tax Tips For 2021
December 03, 2020 01:37 - 21 minutes - 19.4 MBDo 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: Doucefl...
Mr Stingy's 10 Investing Principles
November 26, 2020 01:37 - 19 minutes - 17.7 MBInvesting 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.
4 Ways To Teach Kids About Money
November 19, 2020 01:37 - 19 minutes - 18 MBHow 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 C...
Budget 2021: What's In It For You?
November 12, 2020 01:37 - 20 minutes - 18.4 MBMalaysia’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.
How The Budget Works And Tax Reliefs To Watch
November 05, 2020 01:37 - 21 minutes - 19.8 MBTomorrow, 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.
'Ringgit Oh Ringgit's Tips and Tricks for Freelancers, Side Hustlers, and Solopreneurs
October 22, 2020 01:37 - 21 minutes - 19.9 MBIs 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, a...
Mr. Money TV On Retirement Planning, Compounding, and Mistakes
October 15, 2020 01:37 - 21 minutes - 19.5 MBRetirement 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.
Should You Move EPF Money To Invest?
October 08, 2020 01:37 - 20 minutes - 19.1 MBDo 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.
Are Digital Financial Services Good For Your Wallet?
October 01, 2020 01:37 - 21 minutes - 19.4 MBDigital 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.
How To Invest While Managing Anxiety?
September 24, 2020 01:37 - 21 minutes - 19.9 MBInvesting 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?
Are In-App Purchases and Games Loot Boxes Damaging Your Wallet?
September 17, 2020 01:37 - 21 minutes - 19.7 MBMicrotransactions 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.
What To Watch When Buying REITs and Dividend Stocks?
September 10, 2020 01:37 - 20 minutes - 19.2 MBWith 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)
Are Stock Splits Pointless?
September 03, 2020 01:37 - 19 minutes - 18.1 MBWhy 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.
BIMB's Best Invest - Digital, But Not A Roboadvisor
August 27, 2020 01:37 - 22 minutes - 20.5 MBBIMB 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.
Stock Market Investing - Key Lessons and Common Mistakes
August 13, 2020 01:37 - 22 minutes - 20.3 MBAs 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.
Bankruptcy: Basics, Impacts, And Way Out
August 06, 2020 01:37 - 20 minutes - 18.8 MBBankruptcy. 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.
Stashaway Simple - Fixed Deposit Killer?
July 30, 2020 01:37 - 19 minutes - 18.1 MBThis 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 earli...
Is Gold Still A Stock Market Hedge?
July 23, 2020 01:37 - 21 minutes - 19.5 MBWhat 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 tradition...
With Cybercrime On The Rise, How Do We Better Protect Ourselves?
July 16, 2020 01:37 - 20 minutes - 18.9 MBWith 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...
Takaful And Its Role In Estate Planning
July 09, 2020 01:37 - 15 minutes - 13.9 MBHow 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.
Why Do You Need Different Assets In Your Portfolio?
July 02, 2020 01:37 - 23 minutes - 21.1 MBAsset 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.
Bitcoin 101 - Is It The New Gold?
June 25, 2020 01:30 - 18 minutes - 17.2 MBAs 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...
Is Passive Investing For You?
June 18, 2020 01:30 - 21 minutes - 20 MBPassive 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.
Managing Falling FD Income
June 11, 2020 01:30 - 21 minutes - 20 MBMany 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)
Credit Scores Dos and Don'ts
June 04, 2020 01:30 - 19 minutes - 18.2 MBWhy 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.
Is Time To Buy A Car with Lower Rates and Pressure on Showrooms?
May 28, 2020 01:30 - 19 minutes - 18 MBIf 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.
Is It Time To Buy A Car with Lower Rates and Pressure on Showrooms?
May 28, 2020 01:30 - 19 minutes - 18 MBIf 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.
Mr. Stingy's Lessons From the Pandemic and Recession Investing
May 21, 2020 01:30 - 20 minutes - 18.5 MBWhat 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.