100 episodes

You 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.

BFM :: Ringgit and Sense BFM89.9

    • Business
    • 2.4, 13 Ratings

You 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.

    Why Do You Need Different Assets In Your Portfolio?

    Why Do You Need Different Assets In Your Portfolio?

    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.

    • 23 min
    Bitcoin 101 - Is It The New Gold?

    Bitcoin 101 - Is It The New Gold?

    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.

    • 18 min
    Is Passive Investing For You?

    Is Passive Investing For You?

    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.

    • 21 min
    Managing Falling FD Income

    Managing Falling FD Income

    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)

    • 21 min
    Credit Scores Dos and Don'ts

    Credit Scores Dos and Don'ts

    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.

    • 19 min
    Is It Time To Buy A Car with Lower Rates and Pressure on Showrooms?

    Is It Time To Buy A Car with Lower Rates and Pressure on Showrooms?

    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.

    • 19 min

Customer Reviews

2.4 out of 5
13 Ratings

13 Ratings

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