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
    • 2.7 • 110 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.

    A Simple Guide To Good Debt Management

    A Simple Guide To Good Debt Management

    Following up from our episode last week on BNPL - or Buy Now, Pay Later - today on the show Roshan Kanesan expands the conversation on credit and debt, and take a look at what good debt management looks like with writer Suraya Zainuddin of ringgitohringgit.com and Licensed Financial Planner Idham Idris from Wealth Vantage Advisory.

    Other episodes to check out:

    > Buy Now, Pay Later: Good, Bad, or Complicated? -

    > Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt

    > Bankruptcy: Basics, Impacts, And Way Out

    • 23 min
    Buy Now, Pay Later: Good, Bad, Or Complicated?

    Buy Now, Pay Later: Good, Bad, Or Complicated?

    Buy Now, Pay Later (BNPL), easy credit to help with cash flow or a debt trap in waiting?

    Roshan Kanesan speaks to Idham Idris, Licensed Financial Planner with Wealth Vantage Advisory, and Suraya Zainudin, founder and writer at ringgitohringgit.com, to find out.

    Other episodes to check out:

    > Emergency Cash: How Much and How To Keep it

    > Loan Moratorium: Should You Opt-In?

    > Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt

    > Bankruptcy: Basics, Impacts, And Way Out

    • 20 min
    Loan Moratorium: Should You Opt-In?

    Loan Moratorium: Should You Opt-In?

    So should you opt-in for the loan moratorium? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They’ll get into how to make this decision, how to utilize this moratorium, and what this could mean for your payments later on.

    Image credit: Shutterstock.com

    Other episodes to check out:
    > Emergency Cash: How Much and How To Keep It

    > Wealth Protection, Accumulation, And Distribution: What, Why, And How?

    >  3 Fixed Deposit Alternatives As Rates Stay Low

    • 9 min
    Emergency Cash: How Much And How To Keep It

    Emergency Cash: How Much And How To Keep It

    Emergency cash buffers are vital, but how much do you need to set aside and where should you keep the cash? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They also get into differences between savings accounts, fixed deposits, and money market funds.

    Image credit: Shutterstock.com

    Other episodes to check out:
    > Loan Moratorium: Should You Opt-In?

    > Wealth Protection, Accumulation, And Distribution: What, Why, And How?

    >  3 Fixed Deposit Alternatives As Rates Stay Low

    • 12 min
    How To Analyse And Choose Good REITs

    How To Analyse And Choose Good REITs

    Buying a property outright isn’t the only way to invest in property, REITs provide another, more diversified, avenue. Instead of buying one particular property, you can get access to the rental from a diversified pool of property depending on the REIT. Roshan Kanesan speaks to DBS’s Banks Derek Tan to learn more about REITs and the key things to watch before investing in one, from revenue generation and cost management to interest rates and other macroeconomic factors.

    Other shows you might like
    > Buying Property - First 5 Steps, 4 Common Mistakes, And More

    > How To Analyse Property Stocks In Malaysia

    > 5 Things You Should Know Before Buying A Stock

    > Active V Passive Investing: Which Is Better?

    > Wealth Protection, Accumulation, And Distribution: What, Why, And How?

    • 30 min
    How Mr. Stingy Learns About Money

    How Mr. Stingy Learns About Money

    Financial literacy an ongoing process that can be a little daunting considering how much information is out there. So for some guidance here, Roshan Kanesan speaks to Aaron Tang a.k.a. Mr-Stingy.com, about how he learned about money, some of his favourite resources, and how he turns knowledge into actions.

    Other episodes you might like:

    > Mr Stingy's 10 Investing Principles

    > Mr. Stingy's Lessons From the Pandemic and Recession Investing

    > Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’

    • 17 min

Customer Reviews

2.7 out of 5
110 Ratings

110 Ratings

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