Ringgit and Sense

Joyce shares some strategies on how to manage our finances well during the Christmas season.

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We speak to Dennis about data breaches in the digital age, and the steps CTOS is taking to protect consumers. He also explains some of the steps consumers can take to protect themselves. 

Dennis also speaks about alternative data scores, and how they increase financial inclusion. 

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Rafiz explains PIDM's mandate which seeks to protect your bank deposits, insurance policies and benefits.

We will be discussing how PIDM protects your deposits in the bank as well as your takaful and insurance benefits in the unlikely event of a failure of a member bank or insurer member.

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Kevin explains the concept of the 5 percent withdrawal rate for retirement, and the various factors that contribute to a financially sustainable retirement.

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Malaysia is included in Standard Chartered's Emerging Affluent Study for the first time in 2018. The report reveals some fascinating insights into the financial habits and trends among Malaysians earning about RM8,000 per month or higher. How much of the local population does the emerging affluent include, and how financially savvy are they? Plus, as more digital financial tools become available, Fernando explains how local banks can help Malaysians overcome their financial knowledge gap and accelerate their upward social mobility.

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Does gambling have a place in our wealth accumulation strategy? Are there physiological factors that drive such behavior? Rajen shares his insights.

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Ching shares with us the expected winners and losers from Budget 2019, and how we can start positioning our personal finances in anticipation of next year's fiscal measures.

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AKPK is about to unveil results from its survey into the financial habits of Malaysian working adults. Mohammad Mafrukhin shares with us a preview of his findings, while outlining the role emotions and employers may play in our overall financial well-being.

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Linnet shares how FPAM is using an online platform to help raise the level of financial literacy in Malaysia.

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Robert helps us derive personal finance lessons from comments made so far by the Prime Minister and the Minister of Finance about the upcoming Budget 2019.

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