Ringgit and Sense

These past two years have seen a period of disruption and opportunities with the Covid-19 pandemic becoming a trigger for government spending, low interest rates and a supply chain crisis. And while the world is slowly learning to live with the virus, we’re now faced with a war in Europe. So how do these global trends affect your investments? What is the appropriate strategy to employ when you invest globally? Subash Pillai of Franklin Templeton explains. To learn more please visit www.franklintempleton.com.my/helloprogress.

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When it comes to investing, risk and reward are inextricably entwined. Therefore, it is important for anyone to weigh the potential reward against the risk to decide whether it's worth putting their money on the line. Licensed financial planner and CEO of Success Concepts, Joyce Chuah shares her thoughts on the relationship between risks and rewards, the search for yield and how to navigate these waters. To learn more please visit www.franklintempleton.com.my/helloprogress/

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A core tenant of investing and financial planning is asset allocation. You shouldn't put all your eggs in one basket as it greatly magnifies risks to your portfolio should that basket hit a rough patch. So how do you allocate your assets accordingly and in an optimum manner? What are some of the mistakes and fundamental rules when it comes to asset allocation? We discuss the 101 of asset allocation in today's episode of Ringgit and Sense. To learn more please visit www.franklintempleton.com.my/helloprogress/

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The pandemic has seen a boom in small businesses as many people started their own businesses ranging from baking to selling clothes to ICT services. While many have found new opportunities in this wave of new entrepreneurial strides, there's a lot of considerations to be had. One such is taxation. How can you make a better tax plan for your business? Why should you set up a sendirian berhad or open up a business bank account instead of using your own personal bank account? Tax expert Thanneermalai Somasundaram of Thannees Tax Consulting Services shares some advice. Image credit: Shutterstock.com

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The past two years of Covid-19 and recent spate of terrible floods has shined a spotlight on the need to protect yourself from unforeseen circumstances, whether you are a business owner, home owner or car owner. Antony Lee, the Chairman of the General Insurance Association of Malaysia (PIAM) joins Sim Wie Boon on Ringgit and Sense to discuss the importance of insuring your property against natural disasters and what you need to know about it. Image credit: Shutterstock.com

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Chinese New Year is around the corner and in conjunction with that, Sim Wie Boon speaks to Master Kenny Hoo of Good Feng Shui Geomantic Research for a Feng Shui perspective on how to spend your money in this year of the Water Tiger and what are the dangers to look out for. Image credit: Shutterstock.com

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Have you asked for a raise or promotion in your job recently? Do you plan to? How much would you ask for? On this episode of Ringgit and Sense, Sim Wie Boon speaks to communications coach Indira Nair about asking for a bump up in your salary or position from your boss. They discuss the culture around it, the different perspectives towards it and ways to approach it. Image credit: Shutterstock.com

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Can someone without a finance certificate manage their own investment funds well enough to build up a comfortable retirement nest or even generational wealth? Former fund manager and author of the book Be Your Own Fund Manager, Lim Mei Ching believes so provided if you apply both fundamental and technical analyses, coupled with strict and disciplined portfolio management skills. We speak to her about her latest book to find out more. To get her book online, visit: MPH Link or Shopee Link

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As investors grow savvier, more Malaysians are open to trying out new investment vehicles to grow their portfolios. While not a new form of investment, Exchange-Traded Funds or ETFs have been growing in popularity thanks to its growing reputation among investors for being conveniently tradable and having relatively lower management fees compared to mutual funds. So what exactly are ETFs and how should they be positioned in your portfolio? Tune in to find out. Image credit: Shutterstock.com

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We recap some of the most interesting conversations we’ve had on the show, including budgeting for your wedding, Buy Now Pay Later, the mental health impact of bankruptcy and the recent EPF withdrawals. Image credit: Shutterstock.com

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