Ringgit and Sense

On this episode Roshan explores debt and bankruptcy with Nirmala of AKPK, getting into key pillars of debt management, options if you’re having issues with debt and the importance of a credit score.

See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you?

And if you’re already investing, how do you balance between being invested & holding cash to invest?

Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations.

See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you?

And if you’re already investing, how do you balance between being invested & holding cash to invest?

Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations.

See omnystudio.com/listener for privacy information.

With the Tax Season incoming, Roshan gets into tax questions from listeners on this edition of Ringgit Q&A.

Amongst the questions that were asked include:

- Where do I start?

- What are the differences between relief, rebate & exemption?

- Should I file with my spouse?

- How can I ensure I’m claiming everything I’m entitled for?

- What happens if you are audited and don’t have a particular receipt for a tax-claimable item?

- Do I need to do anything post-retirement in relation to income taxes and IRB?

See omnystudio.com/listener for privacy information.

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services.

As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers.

Bain released a report on the future of Digital Financial Services with Google and Temasek earlier this year.

See omnystudio.com/listener for privacy information.

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services.

As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers.

Bain released a report on the future of Digital Financial Services with Google and Temasek earlier this year.

See omnystudio.com/listener for privacy information.

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.

See omnystudio.com/listener for privacy information.

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.

See omnystudio.com/listener for privacy information.

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.

See omnystudio.com/listener for privacy information.

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.

See omnystudio.com/listener for privacy information.