101 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
    • 3.4 • 240 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.

    What You Should Know Before Being A Guarantor

    What You Should Know Before Being A Guarantor

    Have you ever been asked to be a guarantor for someone else’s loan? Often it is a partner or relative who asks, but nowadays it can also be friends or work colleagues. Usually it is difficult to refuse and you would be surprised at just how many of us often agree to be one without thinking of the long term consequences. Farah Razali of Zul Rafique & Partners shares some advice on the risks and consequences that comes with being a guarantor.

    Image credit: Shutterstock.com

    • 22 min
    Making Debt Work For You

    Making Debt Work For You

    It’s a wonderful thing to be able to say you are newly debt-free. Paying off your debt is like being handed a blank piece of paper on which to write the next chapter of your life. But while many of us aspire to be debt free, the reality is that most of us will have to live with debt until old age. Is this a bad thing though? How can you make debt work for you and live with it positively? What are the important factors to consider when in debt? Felix Neoh of Finwealth Management answers all these questions.

    Image credit: Shutterstock.com

    • 22 min
    Bankruptcy Is Not The End Of The Road

    Bankruptcy Is Not The End Of The Road

    Filing for bankruptcy can feel like you’ve hit the financial equivalent of rock bottom. While it does wipe out your old debt, bankruptcy is a mark on your credit record and it can affect one’s emotional and mental health as well. But it is important to remember that bankruptcy is not the end of the road and there are ways to get out of it. Nirmala Subramaniam of AKPK and licensed professional counsellor Heeran Kaur speaks to Sim Wie Boon on this.

    Image credit: Shutterstock.com

    • 27 min
    Caring For Your Elderly Financially

    Caring For Your Elderly Financially

    People are living longer than ever, thanks to modern medicine and advances in technology but this has brought about a new dilemma as children born of older parents are often faced with an unexpected cost down the road: becoming a young caregiver. Taking care of your parents is not an easy role. And even if you're not the one directly providing the care, it can lead to emotional and financial stress. In conjunction with International Day for Older Persons, Sim Wie Boon speaks to Rajen Devadason of RD WealthCreation and Linnet Lee of FPAM to get their advice on how to budget for the care of your elderly, what are the considerations and why is this important.

    Also, for more information on Malaysia Financial Literacy Month and other related events, please refer here https://smartfinance.my/, here https://www.investsmartsc.my/, and here https://worldfpday.org/global-events/

    Image credit: Shutterstock.com

    • 32 min
    Stocks, Funds and ETFs, What's Right For Me?

    Stocks, Funds and ETFs, What's Right For Me?

    Key highlights from our Ringgit and Sense webinar touching on the importance of investing, how it fits in with your financial planning, the types of asset classes to choose from, and some tips on how to pick stocks.

    For the full conversation, check out the FB Live session here:
    https://www.facebook.com/BFMradio/videos/536760667585566

    Image credit: Shutterstock.com

    • 22 min
    Lessons Learnt During A Pandemic

    Lessons Learnt During A Pandemic

    What are some of the financial planning lessons to take away from the pandemic? How do you build yourself back up after losing your savings and what are the common mistakes made during the financial crisis triggered by Covid-19? Should you have taken the moratorium or even dip into your EPF? Licensed financial planner Joyce Chuah answers all these questions and more with Sim Wie Boon on this episode of Ringgit and Sense.

    Image credit: Shutterstock.com

    • 22 min

Customer Reviews

3.4 out of 5
240 Ratings

240 Ratings

Escudolinkz ,

Magnificient Strategy

Good Job

A&wonderland ,

👍🏻👍🏻👍🏻

An informative financial platform! Keep up the good work!

jude raphael ,

More people should listen to this!

Malaysians as a whole have poor financial literacy, its such a breath of fresh air to have a podcast that is addressing this NEED. Keep it up guys!

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