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
Why Diversify?
July 12, 2018 01:30 - 20 minutes - 19 MBJamie shares the merits for diversifying one's financial portfolio, not just geographically but also across asset classes.
Money Saved Acts As A Magnet For Money Earned
July 05, 2018 01:30 - 19 minutes - 18.3 MBRajen talks about saving and investing. We also discuss the strategy of borrowing to buy assets -- is that good personal finance? Rajen thinks we should borrow to buy real estate but not to buy equities. He also shares on how one should pay off their loans. Should we pay off the smallest amount of loan first in terms of value or the loan with the highest interest rate? Listen in.
Investing in Gold
June 28, 2018 01:30 - 19 minutes - 17.8 MBRobert Foo sheds some light on the basics of investing in gold. He speaks on the benefits and drawbacks of having gold as part of your investment portfolio, and why it may not be the safe haven it's touted to be.
Behavioural Economics - Spock vs. Simpson
June 21, 2018 01:30 - 21 minutes - 19.7 MBPramod explains key concepts in behavioral economics, with the aim of helping us improve our investment decisions. The idea is to recognize and mitigate our emotions and cognitive biases that may lead to irrational behaviour in the markets.
Making Your Personal Finances Raya-Ready
June 14, 2018 01:30 - 20 minutes - 19.2 MBOn this Hari Raya eve, Anuar shares some tips on managing our personal finances during this festive season.
Personal Debt - Open That Drawer
June 07, 2018 01:30 - 22 minutes - 20.7 MBRajen Devadason, CEO of RD WealthCreation draws parallels between Malaysia's RM1 trillion national debt to our personal finance obligations. He shares why when it comes to debt - be it personal or national - honesty is always the best policy.
How to Stay Credit-Positive
May 31, 2018 01:30 - 21 minutes - 19.5 MBWith all this talk about the Federal Government's debt exceeding RM1 trillion, what about our personal credit profiles? KC outlines potential pitfalls that Malaysians can avoid, in order to maintain a healthy credit score.
The Gig Economy - Potential and Pitfalls
May 24, 2018 01:30 - 20 minutes - 19.1 MBAt the onset of 2018, the Malaysian Employers Federation expected 50,000 retrenchments this year. Is the gig economy a viable alternative? Raymond outlines the pros and cons of finding income outside of a regular 9-5 job.
Personal Investments - Noise vs Fundamentals
May 17, 2018 01:30 - 21 minutes - 19.6 MBPost-GE14, Malaysians have seen a seemingly endless stream of news updates. Amid all this newsflow, how can we ensure we stay the course in achieving our financial goals? Lawrence helps us digest macroeconomic indicators, and other tips that may help shape our portfolios.
Investment vs Savings, Which Comes First?
May 03, 2018 01:30 - 22 minutes - 20.8 MBWe tackle the age old chicken and egg question of personal wealth, should I save or should I invest first? Helping us look into this is our regular guest, Rajen Devadason who gives some sagely insights into the concept of the risk-reward relationship.
Retrenchment - Financially Down But Not Out
April 26, 2018 01:30 - 21 minutes - 19.6 MBLosing your job is a very daunting prospect, so today we focus in on this and consider how one can best prepare, or mitigate, the effects of retrenchment.
Aged Care - Better Late Than Never
April 19, 2018 01:30 - 20 minutes - 18.7 MBIn the next three years, one in 10 Malaysians will be aged 60 and above. By 2040, the ratio is projected to be one in five Malaysians, and the country would have already reached ageing nation status. In light of these facts we take a look at the 'aged care' industry in Malaysia and the cost involved in growing old and taking care of oneself.
Investing in China Amid Trade War Concerns
April 12, 2018 01:30 - 21 minutes - 19.3 MBEven with rising concerns of a US-China trade war, CIMB Principal's CIO is still bullish on equities in the world's second-largest economy. Patrick also outlines some investment strategies for Malaysian retail investors.
How to Grow Wealthier During Increased Volatility
April 05, 2018 01:30 - 21 minutes - 19.8 MBGlobal stocks have endured several bouts of volatility so far this year. Rajen shares 4 lessons as to how investors can stay true to their personal financial goals amidst these turbulent times.
Is P2P Prospering?
March 29, 2018 01:30 - 22 minutes - 20.2 MBSecurities Commission Malaysia's 2017 Annual Report acknowledged the 'early success' seen by peer-to-peer financing platforms. Kristine recounts the traction that Peoplender's platform has gained since launching in July 2017, and shares the risks and opportunities for those considering this alternative financing avenue.
Lessons from Li Ka-shing: Business Succession Planning
March 22, 2018 01:30 - 19 minutes - 17.9 MBHong Kong billionaire Li Ka-shing announced his retirement on March 16, officially handing over the reigns of his business empire to his son Victor Li. What can we learn from the elder Li about having a well-prepared succession in place? Lawrence walks us through the options available to Malaysian businesses.
Can ETFs and Robo-Advisors Change Your Life?
March 15, 2018 01:35 - 22 minutes - 20.3 MBMalaysia's first US dollar-denominated, Shariah-compliant security, called MyETF-50 recently made its debut on Bursa Malaysia. Meanwhile, the Securities Commission Malaysia is expecting to announce the nation's first robo-advisor by June. What does all this mean for your investment strategy? Julian weighs in.
Can You Afford to be Sick?
March 08, 2018 01:30 - 22 minutes - 20.3 MBWe discuss the rising cost of healthcare in Malaysia and the cost difference between private and public hospitals. We also talk about what needs to be done to prepare financially for our future medical needs.
3 Investing Lessons from Warren Buffett
March 01, 2018 01:30 - 21 minutes - 19.6 MBWarren Buffett has just released his highly-anticipated annual letter to shareholders of Berkshire Hathaway. Rajen highlights 3 lessons on investing that we can all learn from the Oracle of Omaha.
Prevention is Better Than Cure
February 22, 2018 01:30 - 22 minutes - 20.6 MBToday we take a look at bankruptcy and financial distress. We discuss signs of financial distress and how to seek help and repair the damage.
Save Money This CNY
February 15, 2018 01:30 - 20 minutes - 18.8 MBWe have a special episode of Ringgit & Sense to celebrate Chinese New Year. Many of us are certainly excited about receiving ang pows and eating good food to celebrate this festival. However, as with all festive periods, we should be careful about how much we spend. Joyce Chuah and Lee Mun Wai -- licensed financial planners -- share their takes on how to best manage your personal finances during this festive season. Should we splurge on that new outfit and haircut to keep with tradition...
Don't Leave Your Kids Everything!
February 08, 2018 01:30 - 21 minutes - 19.6 MBRajen shares his insights on the dos and dont's of leaving an inheritance for your children.
Clearing Up Credit Card Conundrums
February 01, 2018 01:30 - 22 minutes - 20.3 MBWe speak to Jasmine and Chune from financial comparison site GoBear Malaysia on how to choose the best credit card for one's needs.
Car Ownership - What's Right For You?
January 25, 2018 01:30 - 21 minutes - 19.4 MBYamin shares his insights on what consumers should look for when buying both new and used cars. We also discuss the cost of car ownership, and some of the alternative financing and mobility options available.
Getting Your Portfolio Ready for 2018
January 18, 2018 01:30 - 22 minutes - 20.4 MBSteve walks us through the steps of reviewing your portfolio, from asset allocation as per your risk profile, to periodical reviews and risk diversification.
Financial Planning for the Long Haul
January 11, 2018 01:30 - 22 minutes - 21 MBRajen shares practical advise about financial goal setting for the long haul, whether for a year, a decade or more.
Can You Really Afford International School?
January 04, 2018 01:30 - 21 minutes - 20 MBWe discuss the cost, benefits and challenges of sending a child to international school. We highlight important points to consider as well as some common mistakes when making the choice between public or international school.
Personal Finance Tips for 2018
December 28, 2017 01:35 - 22 minutes - 20.4 MBThe Morning Run Crew discusses useful financial tips for the year ahead based on memorable conversations in 2017.
6 Personal Finance Lessons From 2017
December 21, 2017 01:30 - 19 minutes - 18.1 MBOn today's Ringgit and Sense, we take a look at some of the lessons from the year, ranging from financial resolution and tax advise, to conversations about financial scams and how to deal with finance and relationships.
Financial Resolutions, Just Do It
December 14, 2017 01:30 - 21 minutes - 20.1 MBRajen takes us through the advantages of financial resolutions and ways to kickstart, renew and keep to our 2018 financial resolutions.
The Ticking Savings Time Bomb
December 07, 2017 01:30 - 19 minutes - 18 MBWe speak to Joyce about the ticking time bomb in Malaysia. Malaysians are not saving enough for emergencies and retirement. Joyce shares practical tips on how we can save more money through implementing simple changes to our consumption patterns
5 Things To Know About Your Taxes
November 30, 2017 01:30 - 20 minutes - 18.4 MBAS cliché as it may sound, there is nothing more certain than death and taxes. While we cannot escape taxes, we can look into making sure that our taxes are calculated efficiently by correctly claiming the right reliefs and deductions applicable to us. 1. What are the deductions one can claim for to offset against their taxable income? Am I claiming the right amount of tax reliefs applicable to me? 2. What if I'm a married and working -- should I elect for a combine or separate asses...
Financial Planning in the Gig Economy
November 23, 2017 01:30 - 18 minutes - 16.9 MBRobert shares his views on :- 1) Options available in the gig economy e.g freelancing, Uber/Grab, AirBnB type options, online businesses etc 2) Passive vs. active second income 3) How to save for investment and retirement if you work in the gig economy 4) Declaring taxable income if you work in the gig economy