Ringgit and Sense

Being a conservative investor is not about totally eliminating risks as some token amount of risk gives some zing to the portfolio. This is of course after making sure the conservative investor has taken care of prudential matters like setting up an emergency fund.

News:

Millionaire women marrying on financial par with men

Student commits suicide after losing World Cup bets

Highest-paid World Cup coaches

Tip: Investing shouldn't be exciting so that your life can be

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In a marketplace flooded with agents touting impending doom left, right and centre, how do you know what the right insurance solution is for you? We identify key questions you should be asking as well as the fundamental role of an independent financial planner in finding that elusive solution.

News:

CIMB in-house survey show staff slightly bullish on stock market
Eastspring survey: Investors eyeing more income funds
Singaporean pays $2.7m for Buffet dinner

Tip: Insurance policies are not the correct investing vehicles

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We continue with the conversation with an exploration of returns on investment when it comes to your child’s education and explore alternatives like free education.

News:
- Worst College Majors
- 2000 protest in Singapore over new CPF rule
- Brazil's 1% richest benefits from World Cup
- Highest prize money ever for World Cup at $576m
- Cuepacs: Keep up fitness during World Cup

Tip: unit trust hidden costs #4 - Cash Holdings are Evil

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The cost of sending your children to university is so exorbitant that proper planning is essential. Surprisingly, there are also cheap or free alternatives.

News:
- US cost of raising a child till age 18 goes up sharply
- Advising the ultra-rich
- Inclusive Capitalism Conference attempts to quell capitalism backlash
- Is Giant wrong to sell shark meat at RM9.99/kg?

Tip: Start a college education fund now.

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It won't be long before we can buy unit trust and investment schemes from around the region under the Asean Collective Investment Scheme (CIS) Framework. This will enable shopping for the best-managed and cost efficient funds. We discuss the key points this framework.

News:
EPF Q1 return rate averages about 1.5%
Bankruptcy registers an alarming 32% jump
Five things that are cheapest in the world's costliest city

Money Tip-of-the-Week:
Unit Trust Hidden Cost #3 - Bad Trading.

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Buying too late, chasing prices, selling during crashes - these are some actions that make our investments perform worse than what the market actually achieves . We discuss how our emotions affect our long term investment returns and how to avoid behavioural pitfalls in investing.

News:
- Malaysia GNI per capita hits US$10k
- Singapore's CPF raises savings floor
- China urges banks not to deal with bitcoins
- Women will earn more than men in 50 years

Money tip: Automate your investments

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The idea of retirement is undergoing transformation. It is no longer a singular moment at 60 but an alignment of wants, health and funding at many different points of your life.

Plus: world personal finance news and money tip-of-the-day.

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Debt management is a serious issue that probably ranks up there with health. Madam Koid Swee Lian of Agensi Kaunseling dan Pengurusan Kredit (AKPK) wants to help you do that.

Plus world personal finance news and money tip-of-the-day.

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Brigitte Miksa, Head of International Pensions for Allianz Asset Management talks to us about the retirement conundrum: living longer but with chances of being poorer. She addresses the plight of widowed women, a state that is the biggest predictor of old-age poverty.

Plus: world personal finance news and money tip-of-the-day

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iMoney CEO Lee Ching Wei discusses how home loan refinancing could be used to your advantage. We also bring you a news snippet from the world of personal finance and the money tip-of-the-day.

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