Ringgit and Sense

Should I buy and hold index funds for the long term or actively trade to beat the market? That’s the essential debate between active and passive investing. To get a better understanding of active and passive investing, and which one might be for you, Roshan Kanesan speaks with Ben Johnson, Director of Global ETF Research with Morningstar Research Services.

They get into fund performances, how fees factor into performance, what to watch when looking at fund facts sheets, and a look at Malaysian data on fund performance and survivorship.

Other episodes you might like:

> Mr Stingy's 10 Investing Principles

> How To Analyse Property Stocks In Malaysia

> How To Invest While Managing Anxiety?

> Bitcoin and Roboadvisors: How Do They Fit In A Portfolio?

> 5 Steps To Jumpstart Your Retirement Planning

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ESG has become a much bigger topic over the last few years, but is it for you? Roshan Kanesan speaks to Raymond Tang, CEO of Eastspring Investments, about the basics of ESG investing, what to watch, risks involved, and more.

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We’re coming to the middle of the year, which means it’s soon time for a mid-year review! But how do we go about doing a financial review and why is it so important? Roshan Kanesan dives into this with Licensed Financial Planner Yap Ming Hui of Whitman Independent Advisors.

Other episodes you might like:

> Life & Health Insurance: What, Why, And How Much?

> How To Invest While Managing Anxiety?

> 5 Steps To Jumpstart Your Retirement Planning

> No Risk, No Retirement?

> 3 Fixed Deposit Alternatives As Rates Stay Low

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Whether single, married, if you have dependents you need a financial plan to not just provide, but protect them. Today on the show, Roshan Kanesan gets into the basics of family financial planning with a focus on debt, insurance, and the importance of estate planning.

He speaks with Nirmala Supramaniam, Head of Financial Education Department at the Credit Counselling and Debt Management Agency (AKPK), and Fateen Rosli, Licensed Financial Planner with Wealth Vantage Advisory.

Other episodes you might like:

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

> Life & Health Insurance: What, Why, And How Much?

> 3 Fixed Deposit Alternatives As Rates Stay Low

> 5 Steps To Jumpstart Your Retirement Planning

> 4 Ways To Teach Kids About Money

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Luno, StashAway, and Wahed Invest are just a few names that have risen in the WealthTech and FinTech space in Malaysia. How could these new tools fit in your portfolio?

Roshan Kanesan speaks to Stephen Yong, Licensed Financial Planner from Wealth Vantage Advisory, and Vincent Fong, Chief Editor of Fintech News Malaysia, to explore this space and its place.

Other episodes you might like:

> Why Do You Need Different Assets In Your Portfolio?

> Bitcoin 101 - Is It The New Gold?

> Is Gold Still A Stock Market Hedge?

> 5 Things You Should Know Before Buying A Stock

See omnystudio.com/listener for privacy information.

As tax season comes to an end, Roshan Kanesan takes a forward look to our next tax filing and dives into ways to optimise your taxes to pay the right amount, not too much and definitely not too little.

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Is retirement realistic? The concept was kicked off in 1889 by German Chancellor Otto von Bismarck, establishing the concept for the rest of us, but the average lifespan back then was just 43. And if it still is, how do we achieve it given the current challenges we face?

Roshan Kanesan explores this with Rajen Devadason, CEO of RD WealthCreation, and Licensed Financial Planner with Manulife Investment Management Malaysia Berhad.

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Is EPF enough for retirement? How do I calculate my retirement needs? Should I take out EPF money to invest? Roshan Kanesan addresses these retirement planning questions & more with licensed financial planner Idham Idris of Wealth Vantage Advisory.

Other shows you might like:

> 5 Things You Should Know Before Buying A Stock

> 5 Steps To Get Women Investing

> Why Do You Need Different Assets In Your Portfolio?

> Fund Manager’s 5 Key Investing Lessons From 2020

> Mr Stingy's 10 Investing Principles

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Red flags, common mistakes, types of scams, and what to do, Roshan Kanesan gets into all this and more with Linnet Lee, CEO of FPAM. Most importantly they address how you and your loved ones can avoid getting scammed out of hard earned money and retirement funds.

Link noted in the show: www.bnm.gov.my/list-of-approved-and-registered-intermediaries

Other shows you might find helpful:

> Common Money Mistakes To Avoid In 2021

> With Cybercrime On The Rise, How Do We Better Protect Ourselves?

> 5 Things You Should Know Before Buying A Stock  

> Side Gig Income and Profits from Shares - Taxable? 

> Mr Stingy's 10 Investing Principles

Non-Exhaustive List of Reliable Sources

> www.sc.com.my/regulation/enforcement/investor-alerts/sc-investor-alerts

> www.sc.com.my/investor-empowerment/lodge-a-complaint/capital-market-service-related-complaints

> www.iosco.org/investor_protection/?subsection=investor_alerts_portal

> www.bnm.gov.my

> www.investsmartsc.my

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If you’ve taken on a side gig to supplement your income or made money from shares, you might want to catch Roshan Kanesan's chat with tax consultant Thanneermalai about what income is taxable & what isn’t.

They also wrap up the conversation with some tax filling and document preservation tips.

See omnystudio.com/listener for privacy information.