Ringgit and Sense

We tackle the issue of student loans, especially PTPTN. Our guests KC Wong, CEO of Credit Bureau Malaysia and Rohani Mohd Shahir, founder Hijrah Wealth Management help us look into the problems, benefits and tips on how students can manage their loans better.

Pn Rohani is also featured on the second episode of BFM's 'Rumit' series.

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Fazrul shares some tips for millennials to make 'adulting' less complicated, as they begin financially preparing themselves for retirement. Fazrul is also featured on the first episode of BFM's 'Rumit' series.

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It's imperative that Malaysians understand the importance of a credit score and how it pertains to our personal finance. Dennis shares some tips on how to obtain and maintain a good credit profile.

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Jamie shares the merits for diversifying one's financial portfolio, not just geographically but also across asset classes.

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Rajen talks about saving and investing.

We also discuss the strategy of borrowing to buy assets -- is that good personal finance?

Rajen thinks we should borrow to buy real estate but not to buy equities.

He also shares on how one should pay off their loans.

Should we pay off the smallest amount of loan first in terms of value or the loan with the highest interest rate?

Listen in.

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Robert Foo sheds some light on the basics of investing in gold. He speaks on the benefits and drawbacks of having gold as part of your investment portfolio, and why it may not be the safe haven it's touted to be. 

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Pramod explains key concepts in behavioral economics, with the aim of helping us improve our investment decisions. The idea is to recognize and mitigate our emotions and cognitive biases that may lead to irrational behaviour in the markets.

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On this Hari Raya eve, Anuar shares some tips on managing our personal finances during this festive season.

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Rajen Devadason, CEO of RD WealthCreation draws parallels between Malaysia's RM1 trillion national debt to our personal finance obligations. He shares why when it comes to debt - be it personal or national - honesty is always the best policy.

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With all this talk about the Federal Government's debt exceeding RM1 trillion, what about our personal credit profiles? 

KC outlines potential pitfalls that Malaysians can avoid, in order to maintain a healthy credit score.

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