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Ringgit and Sense

BFM Media
Financial Planning
Personal Finance
Malaysia
Financial Literacy
Budgeting
Insurance
Tax Relief
Retirement Planning
Investment Strategies
EPF
Credit Cards
Inflation
Debt Management
Employee Provident Fund
Estate Planning
Interest Rates
Bank Negara Malaysia
Buy Now Pay Later
Scams
Cryptocurrency

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

PublishesWeeklyEpisodes731Founded15 years ago
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Artwork for Ringgit and Sense

Latest Episodes

Reaching retirement with a sizable nest egg doesn't guarantee long-term security if longevity, healthcare inflation, and unexpected shocks erode your capital. Wan Saifulrizal Wan Ismail, CEO of AmMetLife Insurance Berhad, joins Ringgit & Sense to dis... more

As new iPhones hit stores tomorrow, it’s clear that smartphones are getting more expensive. So how should we navigate this as buyers? Alexander Wong, Managing Editor of SoyaCincau, joins Ringgit and Sense to unpack what your money actually buys acros... more

With Apple’s latest iPhones pushing prices higher than ever, are monthly subscriptions and leasing plans the answer instead of paying cash upfront? Idham Idris, Director of Corporate Treasury Investment Services and Licensed Financial Planner at Weal... more

With trillions passing to heirs globally, preparing successors involves far more than transferring financial balances.

Lim Eng Ping, Maybank’s Head of Wealth Management Malaysia, and Abdul Halim Abdul Rashid, Maybank’s Head of Islamic Wealth Manage... more

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Recent Guests

Lim Eng Ping
Maybank's head of Wealth Management Malaysia
Maybank
Episode: How Will Your Wealth Be Passed to the Next Gen?
Abdul Halim Abdul Rashid
Maybank's head of Islamic Wealth Management Malaysia
Maybank
Episode: How Will Your Wealth Be Passed to the Next Gen?
Pankaj Kumar
Managing Director of Datametrics Research and Information Centre (DARE)
Datametrics Research and Information Centre (DARE)
Episode: P/E, DCF, or Price to Sales: How Should You Value Stocks?
Ian Wong
Licensed Financial Planner, founder and CEO of UNO Advisers
UNO Advisers
Episode: PERKESO’s Lindung 24: Should You Opt Out?
Haniz Nazlan
Chief Executive Officer of Group Consumer Banking at CIMB
CIMB
Episode: Wealth Management for ASEAN's Rising Affluent
Harmander Mahal
Head of Wealth and Retail Banking for Standard Chartered Malaysia and Indonesia
Standard Chartered
Episode: Investing in an Uncertain 2H2026
Desmond Kuang
Chief Investment Officer Asia, HSBC Private Bank and Premier Wealth
HSBC Private Bank and Premier Wealth
Episode: AI, Mega IPOs and Portfolio Construction for H2 2026
Chin Hui Leong
Co-founder of The Smart Investor
The Smart Investor
Episode: Beyond Banks: The SGX Uncovered
Johnson Hong
Partner at Halim Hong & Quek
Halim Hong & Quek
Episode: You Use BNPL. Now the Law Has Your Back

Hosts

Elaine Bui
Host of Ringgit and Sense
Jake Lim
Host of Ringgit and Sense

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Talking Points

Recent interactions between the hosts and their guests.

iPhones Are Expensive. Should You Subscribe Instead?
Q: Now, Idham, whether it's a refurbished phone at 2000 Ringgit or a new base iPhone at 4000 Ringgit, buying a smartphone is becoming increasingly more expensive, especially if the purchase is outright; which financing paths make sense and how should we frame the decision?
Financing can be sensible for cash-flow management when the phone is essential for work or business, but you must separate the product decision from the financing and ask whether you would still choose the device if the monthly payment weren't available; otherwise, you risk upgrading cycles driven by the financing rather than true need.
P/E, DCF, or Price to Sales: How Should You Value Stocks?
Q: What should a retail investor realistically do before buying a stock?
Focus on fundamentals like debt and cash levels, operating margins, leadership, governance, and trading at sensible multiples with solid dividend policy, rather than chasing complex models.
P/E, DCF, or Price to Sales: How Should You Value Stocks?
Q: When is discounted cash flow the most appropriate tool to use?
DCF is most appropriate for businesses with definite lifespans or stable cash flows where terminal value can be reasonably estimated; otherwise, the model becomes highly sensitive to assumptions.
P/E, DCF, or Price to Sales: How Should You Value Stocks?
Q: So why can't we use the same valuation method for every company?
Different industries have different capital structures, growth profiles, and risk factors, so analysts choose methods that reflect those dynamics rather than applying a one-size-fits-all approach.
How Will Your Wealth Be Passed to the Next Gen?
Q: What role does technology play in wealth management, and can it replace humans?
Technology and AI democratize access and enhance advisory capabilities, but they do not replace humans. Advisors use tech to gather insights and spend more time with clients, asking better questions and providing more meaningful guidance.

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Frequently Asked Questions About Ringgit and Sense

What is Ringgit and Sense about and what kind of topics does it cover?

This show focuses on personal finance, wealth management, and investment strategy with a practical, Southeast Asia–leaning lens. Episodes commonly feature licensed financial planners, analysts, and executives from banks or asset managers who walk through real-world planning ideas, retirement readiness, and portfolio construction in uncertain markets. Legal and regulatory topics occasionally appear, especially around consumer credit, BNPL rules, and Islamic finance, offering listeners concrete guidance on how policy shifts affect everyday financial decisions. The conversations tend to blend actionable tips, framework-based guidance, and market color, making it useful for professionals, an informed retail audience, and anyone seeking to optim... more

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Which podcasts are similar to Ringgit and Sense?

These podcasts share a similar audience with Ringgit and Sense:

1. The Breakfast Grille
2. BBK新闻随便看 - 带你了解马来西亚的有趣时事!
3. Morning Brief
4. Mr Money TV Podcast
5. The Daily Ketchup

How many episodes of Ringgit and Sense are there?

Ringgit and Sense launched 15 years ago and published 731 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Ringgit and Sense?

Recent guests on Ringgit and Sense include:

1. Lim Eng Ping
2. Abdul Halim Abdul Rashid
3. Pankaj Kumar
4. Ian Wong
5. Haniz Nazlan
6. Harmander Mahal
7. Desmond Kuang
8. Chin Hui Leong

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