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Ringgit and Sense

BFM Media
Financial Literacy
Investment Strategies
Tax Relief
Personal Finance
Retail Investment
Stock Market
Investing Strategies
Girl Math
Income Tax
2023 Budget
Indonesia Elections
Prabowo Subianto
EPF
Malaysia
Bursa Malaysia
Financial Planning
Retirement Planning
Medical Expenses
Self-Improvement
Education Savings Account

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.

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Artwork for Ringgit and Sense

Latest Episodes

This week on Ringgit & Sense, producer Jake Lim speaks to Hann Liew, a licensed fund manager and co-founder of Halogen Capital about whether cryptocurrencies still have a place in our portfolio amidst global volatility.

See omnystudio.com/listener f... more

This week, Producer Jake Lim sits down with Harvindar Singh, Managing Partner of Harvey & Associates to talk about individual tax reliefs, common mistakes that people make when filing their taxes, as well as tips for the tax season.

See omnystudio.c... more

On Ringgit & Sense this week, producer Jake Lim speaks to Farhana Roslan, Head of the Research Team at PNB Research Institute about wages in Malaysia - why growth has been so slow, whether it’s still worth pursuing tertiary education, and what the go... more

This week on Ringgit & Sense, producer Jake Lim zooms into ‘Pig Butchering’ scams - where scammers build up trust over a long period of time with their victims - in light of recent news, and he will be joined by Yuvarajan Periyan, licensed financial ... more

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Recent Guests

Harvinder Singh
Managing Partner of Harvey & Associates; council member at the Chartered Tax Institute of Malaysia
Harvey & Associates; Chartered Tax Institute of Malaysia
Episode: Tax Tips And Individual Reliefs YA2025
Farhana Roslan
Head of the Research Team
PNB Research Institute
Episode: Why Is Wage Growth So Slow In Malaysia?
Dr Mohaini Ahmad Basri
Licensed Financial Planner with Wealth Vantage Advisory
Wealth Vantage Advisory
Episode: Does High EPF Dividend Equate to Secure Retirement?
Dr. Cheng
Feng Shui Master
Episode: Ringgit And Sense 2026 CNY Special
Terence Ng
Associate Director of Equities at AIIMAN Asset Management
AIIMAN Asset Management
Episode: How To Pick Stocks
Chua Kim Soon
CEO of the General Insurance Association of Malaysia
General Insurance Association of Malaysia
Episode: Insurance For Homes Against Disasters
Chee Pei Pei
Tax partner and private leader at Deloitte Malaysia
Deloitte Malaysia
Episode: The Business of Family
Dr. Mohaini Ahmad Basri
Licensed financial planner with Wealth Vantage Advisory
Wealth Vantage Advisory
Episode: How To Deal With Rising Costs
Rumi Yeo
Financial coach with 30 years of experience in personal finance
Episode: How Your Mind Thinks About Money

Host

Jake Lim
Host of discussions focusing on personal finance, retirement planning, and economic trends, engaging with guest experts and providing insights for audience financial literacy.

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Talking Points

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Tax Tips And Individual Reliefs YA2025
Q: What are the common mistakes people make with lifestyle relief and medical expenses for 2025?
People often claim items that don't qualify (like sports memberships or gaming devices) and fail to keep supporting receipts; there are expanded areas like mental health and vaccines, but documentation remains key.
Tax Tips And Individual Reliefs YA2025
Q: How will the shift to MyCard as the sole tax identification number affect first-time filers and long-time filers alike?
It simplifies identification, removes the need to remember a separate TIN, and aligns with the MyTax system while still requiring accurate data submission by filers.
Why Is Wage Growth So Slow In Malaysia?
Q: What explains the siting gap between wage growth and cost of living in the Malaysian context?
Wage growth appears to lag because productivity gains have not translated into broadly higher wages across the distribution, and there has been a structural shift in the economy post-COVID toward lower-wage, service-oriented sectors. The discussion also points to a mismatch between education outputs and industry needs, as well as how minimum wage policies interact with the rest of the wage ladder.
Pig-Butchering Scams: How to Identify & Avoid
Q: What are the first red flags callers should watch for when evaluating investment offers?
The key red flag is transferring money to a personal account rather than a business or licensed entity, which signals a mule account; listeners should insist on legitimate, verifiable accounts and transparent credentials.
Ringgit And Sense 2026 CNY Special
Q: What would you say for people out there who are listening to this and they're born in the year of the horse?
They should be very careful, and consider appeasement rituals or overcome obstacles on their own.

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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?

Focused on personal finance and investment strategies, this series offers insightful discussions about various aspects of money management, financial planning, and challenge mitigation within the Malaysian context. Topics often center on retirement planning, the implications of economic conditions on finances, and practical advice for budgeting and saving, as well as guest interviews with financial experts who provide unique perspectives on emerging financial trends and tools. Noteworthy is the podcast's engagement with socio-economic issues such as the rising cost of living and lifestyle inflation, making it a valuable resource for listeners looking to enhance their financial literacy and make informed decisions regarding their financial f... 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. Morning Brief
3. Mr Money TV Podcast
4. Think Fast Talk Smart: Communication Techniques
5. The Property Show

How many episodes of Ringgit and Sense are there?

Ringgit and Sense launched 15 years ago and published 704 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. Harvinder Singh
2. Farhana Roslan
3. Dr Mohaini Ahmad Basri
4. Dr. Cheng
5. Terence Ng
6. Chua Kim Soon
7. Chee Pei Pei
8. Dr. Mohaini Ahmad Basri

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