Ringgit and Sense

The good news is that we are living longer. The bad news is retirement funding is getting more costly. This discussion will cover things you have to know to prepare for your post-work life.

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In another episode of our call-in session, we talk about about whether we should dabble with currencies, oil schemes or property. Also, what to do with a RM30m inheritance.  Our guest is Yap Ming Hui, Independent Financial Advisor from Whitman.

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We are always talking about saving and investing but today we deviate from that and talk about what Malaysians splurge on. The results aren't as wasteful as you think.

News:

Saving for the ages

Bad news: people are living longer

Janitor dies with $8m to his name

Money psychology is a thing

Tip:

Saving and spending are different sides of the same coin

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Bank Negara has replaced the BLR regime that of the base rate. Find out how you can benefit from this.

News:

Ex-Pimco boss moves money into new fund

Buffet leading in stock market wager

US recovery may become Malaysia's cushion

Cars to be 20% by 2017?

Tip:

Negotiate with banks that have the lowest base rates

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We discuss your personal finance issues with the help of a professional financial planner.

- Should I invest into the oil & gas sector?

- Buying into low-cost world index funds

- Financial planning for parents with special-needs children

- Identifying fraudulent or legitimate investment schemes

- Buy gold or invest in unit trust?

- Investing in start-ups

- Can a foreigner invest by buying shares in Malaysia?

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Wealth accumulation, an important aspect of financial planning, should be executed together with some kind of feedback to tell us how well we are doing financially. The role of personal net worth and cash flow statements are often understated in this respect.

News:

HELP University students win stock-picking contest

Fund advisor gains traction in index strategies

HK regulator investigates misleading research

Tip:

Liabilities are ok so long as cash flows are positive

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You don't necessarily have to cough out huge sums of money to buy property. With REITs you can become a regional and global property investor. Our guest is Yap Ming Hui, Independent Financial Advisor from Whitman.

News:

Malaysians want RM2m for retirement

Ronald Li invested till death

US wage growth is at odds with economic boom

What wealth women want

Tip:

Don't over-borrow while speculating in property

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Maybe all it takes is to look at resolutions differently for them to succeed. Liew Ooi Hann from Savemoney.my shares his wisdom with us.

News:

No GST for life insurance premiums

Food stall operators maintain prices despite oil price crash

Global government bond yields falling

Tip:

Your body is a wonderland

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After having provided phenomenal returns over the past few years, it is timely to talk about how to view property investing. For instance, questions like whether property is a sure bet and how returns compare to stocks and bonds are relevant.

News:

Turning fuel to taxes

How to avoid being a Scrooge at Christmas

Tip:

Invest in stocks like you invest in property - never sell unless you need the money

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We don't realise it but the things we do in the short term have long term financial consequences. This is akin to a very slow-moving crashing train.

News

Everyone wants a piece of China

Dr M: rich-poor divide in education

Child-raising non-essentials

Tip

Short-term decisions can whiplash long-term financial returns

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