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

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.

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

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

    Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced.

    Aaron also gets into his experience planning his wedding and the lessons that can be learnt from it.

    • 22 min
    Property: Rent, Don't Buy?

    Property: Rent, Don't Buy?

    To buy or not to buy a house? That is generally a question we get here on Ringgit & Sense. Following on from our first Ringgit Q&A last week, today we speak to Julian Ng to dive into his perspective on property, consideration when buying or renting and his take on a decision formula here.

    Roshan also asks him about the concentration and liquidity risks that come with buying property, taking advantage of rental yields as well as Julian's thoughts on REITs.

    Julian also gets into the advantages of buying a home, if you can afford it.

    • 21 min
    Ringgit Q&A: How, When And Why Should You Start Investing?

    Ringgit Q&A: How, When And Why Should You Start Investing?

    And starting today, every last Thursday of the month will be Ringgit Q&A sessions!

    Today, Roshan and Joyce focused on questions around investing, from basic investing strategies and how to think about saving for retirement, as well as what kind of returns we should aim for and thoughts on property.

    • 20 min
    How Do We Achieve Financial Freedom?

    How Do We Achieve Financial Freedom?

    What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm.

    • 17 min
    Crowdfunding - A Potential Alternative to Medical Insurance?

    Crowdfunding - A Potential Alternative to Medical Insurance?

    It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that they way to address this is through a national scheme championed by the government, but how would something like that look like?

    We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs, instead of insurance, but is this viable option?

    • 20 min
    Is EPF Enough For Your Retirement?

    Is EPF Enough For Your Retirement?

    How much do you need for retirement? Is the EPF basic requirement of RM240,000 really enough? What can you do to maximise your EPF? What is EPF Account 1 and Account 2?

    Roshan Kanesan gets into all these and more with Balqais Yusoff for an EPF perspective on retirement planning.

    • 20 min

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