Ringgit and Sense

Bankruptcy. While we've heard the term & probably used it in conversation, what does it really mean in Malaysia? Roshan explores this, as well as the implications and impacts of bankruptcy on an individuals life, and the way out of it.

Roshan and Nirmala also discuss the common causes of bankruptcy, what happens to the individual's assets, how it could impact your spouse's finances, and more.

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This year Bank Negara has cut rates 4 times, taking the OPR from 3% to 1.75%. This is the lowest level since 2004.

While the central bank has done this to help stimulate the economy, it’s also punishing savers as Fixed Deposit rates have also fallen.

As savers look for the best rates for their cash, one of the options that has come up is Stashway Simple.

Roshan speaks to Ken about their new cash management product, and also gets into the direct debit technical issue Stashaway faced earlier in the week, as well as their recent portfolio optimisation on the back of unprecedented monetary policy from the US Federal Reserve.

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What are the differences between gold and stocks?

Gold is the hedge as old as time. It’s widely regarded as a store of value, and it traditionally behaves inversely to the stock market. However in recent times we’ve seen stocks and gold go up together, with gold prices reaching all time highs, levels not seen since 2011, while the stock market is booming, with US markets hovering around all-time highs.

What are the differences between stocks and gold? Why are they breaking their traditional relationship? Is gold still a stock hedge?

Roshan explores these and more with Rajen Devadason, Licensed Financial Planner with Manulife Investment Management Malaysia Berhad.

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With Cybercrime on the rise, how can we better protect ourselves & our identities?

Many aspects of our lives have become digital, from the way we communicate to the way we move money around, and we’ve seen this accelerate during the pandemic as the physical world shut down and people moved online. Now while the digital world has been convenient and powerful, there are growing concerns over cybersecurity, fraud, and privacy. Roshan explores ways to better protect yourself, common mistakes, the role of the dark web, and more.

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How does takaful differ from insurance? What do you need to pay attention to when choosing a plan? How does it play into estate planning? Roshan gets into these and more with Shahrul Azlan Shahriman of Great Eastern Takaful.

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Asset allocation is essential to any investment strategy, but what does that really mean?

Today Roshan gets into the purpose of allocation, relationship between stocks & bonds, as well as a look at other assets like gold, property and bitcoin, with Danny Wong, CEO of Areca Capital - fund manager and certificate financial planner.

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As the United States prints more US Dollars to fund its COVID-19 related economic recovery, Bitcoin has gained more prominence, alongside gold, as a hedge against the potential devaluation that the world’s reserve currency could face.

Bitcoin is up around 70% over the last 3 months, now trading around RM40, 000 per Bitcoin.

On this episode, Roshan explores the basics of Bitcoin, where it gets its value from, and whether it's the new gold.

Luno is a platform to buy, sell and store digital assets like bitcoin and is 1 of the 3 approved digital asset exchanges by the Securities Commission.

Note: Photo was taken last year.

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Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity.

So today Roshan explores the basics and merits of passive investing, the argument against stock picking and why not all ETFs are created equal.

Photo taken from past interview.

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Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity.

So today Roshan explores the basics and merits of passive investing, the argument against stock picking and why not all ETFs are created equal.

Photo taken from past interview.

See omnystudio.com/listener for privacy information.

Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this with Felix Neoh of Finwealth Management.

Mentioned Shows:

High Dividend Stocks: What to Pay Attention To (link: https://www.bfm.my/podcast/morning-run/ringgit-and-sense/high-dividend-stocks-what-to-pay-attention-to)

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