Ringgit and Sense

We speak to former BFM presenter/producer and now financial blogger Julian Ng to discuss unit trusts. More specifically we ponder if funds that invest in Malaysia are more or less in line or have slightly underperformed over the years.

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1. What can I do to prepare my self financially in case I am retrenched?

2. Should I buy a home for investment or to live in? What should I consider?

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Licensed financial planner Felix Neoh answers some of your personal finance questions about:

- the benefits of budgeting
- how to prioritise saving
- avoiding common financial mistakes
- recovering your financial health after hit by emergencies

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The costs of bringing up a child can vary substantially depending on the educational choices that are made by their parents.Prudent financial planning must be taken into account for not just the needs of the child but also the financial capabilities of parents as well as long term retirement plans.

We look at the cost of bringing up a child at various stages of their lives from Pre-delivery to University.

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People are not saving enough for their twilight years. What if they contribute to a Private Retirement Scheme in addition to EPF? We speak to Husaini Hussin about the pro and cons of participating in Private Retirement schemes as part of someone's retirement savings plan.

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Life insurance has been on a rise in Malaysia with life insurance penetration rate poised to hit 70% by 2020 up from around 50% today, according to Malaysian Insurance Institute. Today we talk about life insurance, its benefits and drawbacks as well as the comparative benefits of fintech based insurance options. 

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Robin Lee, CEO of  Hello Gold Sdn Bhd shares insights about investing in cryptocurrencies, its pitfalls and opportunities and how his company's initial token offering project is an investment in making investments in cryptocurrencies easier.

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In today’s show we look at the importance of proper Wealth and Estate Planning, the differences between a will and a trust, tax implications of trust funds and how to avoid creating trust fund babies.

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Mark Reijman, Managing Director and Nadia Khan, Content Manager, of CompareHero.my, the homegrown comparison site, talk about life lessons for young graduates, and the necessity of having the mental fortitude to resist unnecessary spend.

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With the The Employment Insurance Scheme being tabled on the parliament, we speak to Joyce Chuah of Success Concepts on the subject of unemployment and saving up for a rainy day.

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